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    • The finance company has a 50% stake (legal Owner) in the deal so I would certainly involve them. As for the outstanding £3635 bill thats owing to Mercedes in Croydon I wouldn't be in a rush to settle that just yet and keep it in abeyance as leverage.  Where are you at with Doves in Horsham ?
    • or go really bold ... Further to my request for a copy of the agreement you refer to on ( date) I made a section 78 request pursuant to the Credit Consumer Act 1974 to which you have yet to reply or respond. Pursuant to the Credit Consumer act 1974 section 78 (6) If the creditor under an agreement fails to comply with subsection (1)— (a) he is not entitled, while the default continues, to enforce the agreement.
    • Pers I'd stop paying the lot and get each defaulted by a dn issuance.  Defaults can't hurt future renting no Only ccj's Can't keep saying the same answers.    Dx        
    • Ok thank you. That’s where we are getting confused, as we’re not sure where we stand legally. But we’re still unsure who we should be going to now, the dealer or the finance company? I’m assuming the evidence we have (the reports from Mercedes) showing that the fault was there when we purchased would be sufficient to prove this? To be honest we would prefer to send the car back completely as are now concerned more problems may arise.
    • No no - I would complain via the CEO and Directors Office.     They sorted it in less than 24 hours for me. Complaint closed and compo issued. Info removed from CRA This morning. Credit Karma updated for me instantly almost.   
  • Our picks

    • 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
        • Like

Taking back control


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Yes like so many I am opening my eyes to 'the payday loan trap'

Thanks to the great advice on here I have started taking control of the situation, I have payday loans with

Payday express £322

Payday uk £519

Wonga £869 ( in the process of trying to get this reduced)

As with most I was rolling over one loan to pay off another just to re loan to pay the rollover charges on another.... ( I wish I had used my brain for something more productive)

 

As of Friday I defaulted on all 3 and then the calls and emails and texts started. I was expecting as much but do PDE have to be so persistent?

Anyway, bank cards have been reported stolen, letter sent off to bank for all cpa's to be stopped, emails sent to pdl companies telling them I can't pay and a dmp set up......

Wonga and PDUK have been ok up to now, suspending interest until they hear from dmp. PDE (I eventually answered the phone as none of my emails were responded to) were a bit rude but nothing like I expected, and have suspended interest for 14 days until they hear from dmp. The bloke on the phone said they could still refuse my dmp and interest would start again until I pay them so will see how that one goes.

 

What I can say is its such a relief to get it all out there in the open, the man from the dmp company was lovely and not at all judgmental.

 

Maybe...... Just maybe I will get a decent nights sleep tonight.

I know it's only the start but I already feel so much better. For anyone worried about taking the first step I would say don't be! I was terrified to admit to anyone how stupid I have been, but thanks to this group and a bit of a 'you got yourself into this mess, now get yourself out of it' chat with myself I'm taking the first steps to get myself out of the payday loan nightmare.

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Which DMP company are you with? Not a fee paying one i hope.

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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Same here. Im paying pay day express via payment plan £10 per month, reviewing in 3 months, i must admit it took a few attempts to sort it but stuck to my guns and it was sorted. I have their bank details if you need them.

The advice on here is brilliant, certainly an eye opener to what certain pdl are like.

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Step change, figured after a look around on here for a few weeks they were the best option (hopefully?)

 

PDE are unbelievable, 15 phone calls today, 3 of them answered and no one knowing what the other had done. I did finally get an email off them though confirming the suspended interest and deferring the loan until 5/03, hopefully by then they will have received the dmp details. No doubt they will still feel the need to call ridiculous amounts a day but at least I can tell them it's getting dealt with :)

 

Wonga and PDUK are still being really reasonable, no calls just a few emails.

 

Wish I had never gotten myself into this mess but we live and learn I guess.

Will keep you all updated with the ups and downs.

Edited by citizenB
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You need to stop answering those phone calls and start making formal complaints.

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 have just sent them yet another email, this one about harassment. If the phone starts again tomorrow I will complain to everyone I can think of, phone finally went on silent today as I'd had enough.

 

Thanks for the advice renegadeimp, it's good to know that there are people out there who know how to deal with these vultures.

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Another 3 missed calls so far this morning. Urgh, do these people never give up? Again it is just PDE. Wonga and PDUK have both been helpful enough.

I have an email from PDE confirming what was said in one call yesterday but they are still insisting on calling, time to start the complaints I think! Any advice on who is best to start with would be greatly appreciated.

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Send them that harassment letter. Give them 48 from receipt to action your instructions. Also get full complaints going with the OFT and a formal complaint to the PDL.

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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Either works, although i would recommend recorded delivery letter as you can track it and they cant try and say they never received it.

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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hi rysgran welcome to CAG!

 

I'll ask an admin to create a thread for you, then we can help you with your issue.

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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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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