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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
      • 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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How to go about sorting this mess out!


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Hi. I defaulted two months ago and have a HSBC current account. I also have loans with Quickquid and Lending Stream that I am now paying off. Neither company set up direct debits or managed to take money from my account once I'd cancelled my card. If you can't/don't want to open a new account elsewhere have you thought about opening a savings account with HSBC? If you bank online, you can move your money around as and when you need it from account to account and at least protect your money a little better. I have a HSBC Flexsaver account which I use to 'hold' any small amounts. You would, however, be better opening a new account elsewhere- TSB gave me a current account with interest and a debit card despite my shoddy credit score.

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  • 2 weeks later...

After advice, I have just defaulted on all my payday loans. This was the only option I had to avoid the spiralling debt.

I cancelled my card.. but havent changed accounts.

I emailed all my companies explaining the reasons and I offered a repayment plan.

 

This is what I have so far....

 

Quickquid.

Loan for £500 plus interest. Offered £50 a month until settled. So far recieved an email asking to call them. I havent. Should i?

 

Payday express

Loan for £240 plus interest. Offered £30 a month until settled. Recieved an email stating that unless I was imprisoned, mentally ill, deceased or made redundant then a repayment plan will not be considered.

 

Lending stream

Loan for £165 plus interest. Offered £30 a month until settled. Not had any correspondance as yet.

 

Minicredit

Loan for £100 plus interest. Offered £11 a month until settled. Email back saying use there webpage to email questions. But thats what I did!

 

Swift sterling

Loan for £200 plus interest. Offered £30 a month until settled. Had a phone call from them and was told that a repayment plan was not an option and could I settle this loan then take out another with them to cover this months shortfall!

I did explain to him that it was exactly that trap that im trying to get out of.

 

Anyway, thats it in a nutshell.... but so far no one has agreed a repayment plan. I have no idea what charges and interest are being added on.

Im also worried they will start to phone my place of work

 

Any help/advice would be appreciated.

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i would call each company once....

most of those companies either dont respond to emails, or will respond in a couple of weeks!!

QQ asked you to call, so call, but remember if they agree to anything tell them you wont be making your first payment til you have details of the repayment plan sent to you by email.

make sure your card is cancelled, and ask for sot sode/acc number/ref number so you can make standing oder payments....

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How did you negotiate with these companies? Phone/email?

Did they stop the interest straight away or did you have to push for it?

 

 

I advised that due to citrcumstances we need to set up a payment plan to clear current balance, stopping charges and interest.

 

Pretty easy, except for PDE. have had no experience of mini credit.

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  • 2 weeks later...
  • 5 weeks later...

Tbh you don't want to pay any of these people by dd anyway. Just gives them a free pass to your bank account.

 

I have successfully negotiated plans with 7 pdl companies. None of which got a penny after cancelling my debit card and direct debits. I just used my Internet banking to ensure they didn't re-set them up again (which they didn't fortunately)

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  • 1 month later...

Hi,

I have today just received a default notice letter from payday express.

It gives me 14 days from the dare of the letter to pay up.. I can't!

When I originally cancelled my card I emailed them over and over again asking for a repayment plan... With no luck!

What should I do?

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Hi

Mustard 7 i too am having problems with payday express i have been constantly emailing them to set up a repayment plan finally they agreed to the £20 per month that i had offered i emailed them again for the details so that i could set up a standing order but got no reply then out of the blue i got a email from a debt recovery agency telling me that because i have ignored my debt with payday express they now have the debt and if i don't pay they will take legal action i emailed them back explaining what i had arranged and now they are choosing to ignore my emails so i sent them a email the other day stating instead of sending emails threatening legal action it would be nice of them if they replied to my emails i am still awaiting a reply

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Hi

Mustard 7 i too am having problems with payday express i have been constantly emailing them to set up a repayment plan finally they agreed to the £20 per month that i had offered i emailed them again for the details so that i could set up a standing order but got no reply then out of the blue i got a email from a debt recovery agency telling me that because i have ignored my debt with payday express they now have the debt and if i don't pay they will take legal action i emailed them back explaining what i had arranged and now they are choosing to ignore my emails so i sent them a email the other day stating instead of sending emails threatening legal action it would be nice of them if they replied to my emails i am still awaiting a reply

 

hi betty

 

most of the emails are generated by computers, i have a repayment plan with these and still get the letters from them saying ive made no contact ,but i phoned them and they say just ignore them ur on a repayment plan.

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Hi Mustard

 

Never checked my credit file so i dont know about default.

on the repayment plan , they kept phoning me at work, not often about once a week and only because i didnt answer my mobile.

found them ok to deal with. had the usual pay by debt card and pay more than i was offering (guy even said he would get done for faurd if he took a penny more from my card,! yeah right )

but i stuck my guns and they forwarded me there details for payments. phone calls stopped.

 

fernal

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I have just looked at the default notice again, it states that I have to pay the 'arrears balance' of £715 in full within 14 days.

This is on a loan that was originally only £240... surely this cannot be right?

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Im having the same problem with these guys, i recieved a text message yesturday saying that because i have ignored all contact from Payday Express they are sending debt collectors in the next 3 to 4 days between the hours of 8AM - 7PM, they also sent me an email saying the same thing, i have sent them countless emails which they have ignored

 

Does anyone know if this is just a empty threat or will they send them??

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Im having the same problem with these guys, i recieved a text message yesturday saying that because i have ignored all contact from Payday Express they are sending debt collectors in the next 3 to 4 days between the hours of 8AM - 7PM, they also sent me an email saying the same thing, i have sent them countless emails which they have ignored

 

Does anyone know if this is just a empty threat or will they send them??

 

That does sound worrying but i am sure that from what i have read on here you can say to them that they need to make an appointment with you before they do send debt collectors, and if you say you have no intention of making an appointment there is nothing they can do, i hope someone else can confirm this for me.

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