Jump to content


  • Tweets

  • Posts

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 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
        • Like

Tell the payday lenders they're fired! Lord Sugar blasts the legal loan sharks


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4222 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Lord Sugar wades into the PayDay loan trap..

 

 

Payday loan companies and short-term high-interest lenders such as Wonga have, regrettably, become part of our everyday life.

 

Last year I backed the Mirror’s campaign to End Legal Loan Sharking and warned people against the danger of pre-payday cheque-cashing firms in my book, The Way I See It.

 

I wrote: “The interest rates are ridiculous and, again, people get stuck on a treadmill where they have to pay back outrageous amounts of money for a piddling £100-200 advance against their salary.”

 

In recent years it’s estimated that the volume of loans by payday lenders in Britain – from both foreign and home-grown firms – has more than doubled to £1.8billion.

 

Another reason for the surge of payday lenders is not just the demand but also the supply.

 

Tighter regulations in the US have meant that many payday lenders have targeted the UK.

 

Nearly half of states in the US have legislated to make payday lenders less profitable with steps such as capping their interest rates.

 

The American state of Georgia has even banned payday lending under the “cash for cheques” system.

 

Loans of less than $3,000 are covered under the Georgia Industrial Loans Act, which limits smaller loans from individuals or companies to an interest rate of no more than 8%. Loan companies also need a licence to operate in the state.

 

It is clear that companies are having a field day in the UK where they don’t have to abide by tough laws like that – and all of this at the expense of some of the most financially vulnerable people in our country.

 

This is why the amendment to the Finance Bill being put forward today by my fellow Labour peer Lord Parry Mitchell is so important.

 

This Labour amendment aims to give the Finance Conduct Authority (FCA) the power to place a cap on the total cost of any loan if it judges that that loan will cause detriment to the consumer.

 

Giving the FCA the power to set guidelines on the impact of lenders’ behaviour on consumers is essential to protect the public from unfair practices and the never-ending cycle of debt. It introduces a much-needed sense of fairness to the lending process.

 

Read more.. http://www.mirror.co.uk/money/personal-finance/lord-sugar-blasts-legal-loan-1460508

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...