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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Minii credit / Opos


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Firstly i would just like to say, i have read these forums and they have been such a big help to me. Its great to see that im not alone in the situation that i have with these crooks!

 

I have received numerous times the email that everyone gets from Opos regarding the loan i took out with Minicredit. For a £100 loan that i took out with them, my balance now apparently stands at £749.00.

 

I have emailed them to ask for a breakdown in the total that they say i owe and i have not received a reply.

These guys have now started calling my house up to 10 times a day and its really getting me down, and the rest of the people that live here. I spoke to them yesterday to try and sort this mess out as they wouldn't answer my emails, Basically the guy on the phone said that i needed to make a payment today of £45 and he would then after the payment had cleared "get back to me to see if Minicredit would accept monthly repayments of £250"

 

I refuse to pay them any money in the hope they will accept a repayment plan, not only because if they say no then that is my money gone, but also because i dont believe i should be repaying any where near the amount they say that i owe.

 

Does anyone have any advice of what steps i can take next, and also how i can get these people to stop calling me?

 

Thanks

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Firstly send them an email and state that you will only deal with them via letter or email. They are not allowed to ring you more than 3 times a day or it is classed as harassment. Only deal with them via email. Offer them the £100, plus one month interest (£30) and the first default fee, that's what I have done, stick to your guns and they will give in. They were trying me for £1045 on a £100 debt, I have today received an email offering to settle my account on my offer of £155 less payment made to date. When I made my first offer they came back with an reduced settlement of £523, but I ignored them and repeated my original offer. Good luck it is an effort but its worth it!

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  • 2 weeks later...

These guys are playing so hard to get. Ive sent them emails every day for over a week and still no reply, yet they still try and contact me by phone.

 

Ive also received a text from "Optima solicitors" (very professional, no?) regarding this debt, as it has apparently been passed on to them.. conveniently with the same ref number.. they really dont think these things through.

 

Ive just sent another email requesting they send me a full break down, and also that they stop harassing me by phone. I've also CC'd myself in to all emails as a back up.

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With this abuse of process i am inclined to tell them where to stick it. I do not believe there is any set definition of harassment and it can be argued that if you don't answer the phone they can call again. Harrison v link set out some rules ( i think). Why not write to them and email them saying no phone calls writing only. Claims@minicredit.co.uk. And kristle.martinson @minicredit.co.uk

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