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    • If you are buying a used car – you need to read this survival guide.
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    • 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
      • 160 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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Another Wonga problem


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Sorry to jump on your thread am new here and not sure how to start my own my problem is also regarding wonga i have been challenging a debt with them from back in 2009 that I had completely forgotten about until I recently looked into my credit file and was shocked to see a balance of £1198 owing to them anyway I emailed them for a breakdown of this amount and recived a statement as follows

 

Initial loan £400

 

Total sum paid £191.10

 

Total principle amount less sums paid £208.90

Transfer fee £5.50

 

Default fee £10

Default fee £45

 

Interest £111.98

Interest £170.60

Interest £226.28

Interest £10.05

 

Agency fee £50

Agency fee £360.29

 

Total outstanding £1198.60

 

Are these fees even legal and has anyone successfully challenged these types of fees from wonga before I am keen to pay what I owe but not these ridiculous charges any help as to how to go about this will be greatly appreciated

 

regards

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I rather suspect that the fees can be challenged. I am sure someone will be along to advise soon.

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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

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Oh dear. WOnga charging multiple default fees again. I thought they stopped doing that last summer. And what are these "agency fee's"? Some nice unlawful interest there. Especially since its earning on itself.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Thank you for you help and starting a thread for me citizenB

 

Would you be able to pay the money that you genuinely owe either over a period of say 3 - 6 months or in one lump sum ?

 

If so, I wonder if it might be worth sending a forceful letter advising that you will pay not a penny more or less than you actually owe - that you will not be paying any of their "charges".

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

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I have said to them I feel these charges are excessive and unjustified especially as it states on there site only 60days interest will be charged on a defaulted account I know it's an old debt but I don't want to be ripped off with all these charges I've told them I am willing to pay what I genuinely owe and asked that it be recalculated

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I have said to them I feel these charges are excessive and unjustified especially as it states on there site only 60days interest will be charged on a defaulted account I know it's an old debt but I don't want to be ripped off with all these charges I've told them I am willing to pay what I genuinely owe and asked that it be recalculated

 

 

Has this been in writing? If not, then I suggest you make an official complaint to their Head office and confirm that what you are willing/able to pay.

 

You want a response in a similar way - on paper.

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

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For a defaulted sum of £208.90 sum I am being charged £989.70 in charges not only is this excessive I think your find on your terms it clearly states only 60days interest would be applied to any defaulted account so any further interest is void I would suggest that the interest to this account is recalculated so we can then come to a reasonable arrangement to pay what I actually owe and not unlawful fees

 

Regards

 

 

I have emailed them the above and am now waiting for a response the account has not been chased in all these year I am just trying to get on top of everything and finally sort this out but as I said before only want to pay what I actually owe can they actually enforce these charges

 

Regards

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Please keep us updated :)

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

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If you dont get a satisfactory resolution, make sure you file a full complaint with the OFT. Theyve already dealt with wonga a few times lately, and wonga keep saying that the problems are old and not how they do business now.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Got this reply

 

 

 

If you’re able to pay any amount, please remember that you can pay some or all of the outstanding balance at any time by visiting the ‘my account’ area of www.wonga.com and choosing ‘Repay my loan.’ You can also select or add an alternative card and make whole or part payments at any time.

 

Alternatively you can pay using your primary debit card by calling our automated payment line on 0845 862 1439.

 

We’re here to help, so please call our collections team asap on 0844 842 9109 at any time, we’re open 24 hours a day, 7 days a week. We look forward to discussing your account and trying to help find a solution for you.

 

We’re here to help so if you need us, please call.

 

Thanks,

 

Collections department

0844 842 9109

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Tell them you want to make payment by standing order ONLY. PDL's including wonga, are known for stripping accounts and passing card details around.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I've replied telling them no payments shall be made untill charges are recalculated think ill be having to go to oft with this as they don't seem bothered

 

Yes any payment would be into there bank am not giving out my card of account details

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Dont ring them. There's no need. They have no rights or reason to call. If they want to contact you, they can write to you like mature adults and act like a responsible lender.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Also when looking closer at my credit report the default was issued in June 2009 for £1310 then a fee of £10 was later added in July 2009 bringing it to £1320 and leaving a balance of £1198 so only £122 has been reported as being paid when it say on my statement £191.10 has been paid they are not replying to my request to speak via email

 

Any help as to what to do as this is slowly driving me mad

 

Regards

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You need to issue a full complaint with wonga and the OFT.

 

For the complaint, keep it short and simple. Outline the problems you have with them, and bullet point how you would like them resolved. Make sure to head the letter "formal complaint".

 

It sounds like theyre up to their old tricks again, despite telling the OFT and FOS that theyve changed their internal procedures.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Stand your ground. tell th that because of the unlawful charges and interest that has accrued, you want All markers removed from your credit file when you make the settlement. If they fail to comply, then you will inform the oft, throw the account into dispute and let the fos/oft investigate.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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You could tell them that you know theyve already been investigated and have been actioned by the oft for this type of thing, so you know the oft would be very interested, as would stella creasy mp and various national journalists.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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