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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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CFO Advice Urgent!


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Hi,

 

I got a loan last year with CFO and was unexpectedly made redundant a month later.

 

I went with a debt management company as I was getting no where trying to stop the interest and arranging a repayment plan.

 

I have been doing this since last August and everything has gone well.

 

Until last Thursday CFO took £300 out of my other bank account as a card payment.

 

I have never ever given them my card details or account details.

 

I am also not sure if it is for my loan or someone elses.

 

I am wondering what my rights are here as I have never ever given them permission to use my TSB account.

 

The one I used with them was Natwest.

 

Also what should I do?

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We have been telling people to put a letter into their bank instructing them not to make any payments under any circumstances to these companie

http://whatconsumer.co.uk/visa-debit-chargeback/- it works!

 

banks MUST follow written intructions from their customers !

This fsa guide has now been updated:

 

http://www.fsa.gov.uk/pubs/consumer_...ghts_guide.pdf

 

Here's the text:

 

Cancelling a regular

card payment:

 

When you give your credit or debit card details to a company and authorise them to take regular payments from your account,

such as for a gym membership or magazine subscription,

it is known as a ‘recurring transaction’ or ‘continuous payment authority’.

These are often confused with direct debits, but do not offer the same guarantee if the amount or date of the payment changes.

In most cases, regular payments can be cancelled by telling the company taking the payments.

.

However,

you have the right to cancel them directly with your bank or card issuer by telling it that you have stopped permission for the payments.

Your bank or card issuer must then stop them – it has no right to insist that you agree this first with the company taking the payments.

Be aware, though, that you will still be responsible for paying any money that you owe.

.

see: http://www.consumeractiongroup.co.uk/forum/showthread.php?336569-How-to-remove-a-lender-s-continuous-payment-authority(2-Viewing)-nbsp

.

http://www.fsa.gov.uk/pages/consumerinformation/product_news/banking/know_your_rights/solving/index.shtml

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi,

 

Cheers for the response.

 

The problem is I have never ever given capital finance these bank details

I don't know where they got them from.

 

I only used my natwest details with them.

 

So they have gone into my account without my consent.

 

I made sure no pay day people had my new bank card

and have never given the tsb account details to cfo.

 

Surely if I have never given them my tsb bank account

and card details they have no authority to use them.

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you've given them to some PDL company or loan website

or more prob, the fee paying DMP company.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Have you given your new bank details to ANY payday loan company.

 

CFO have been spoofing people recently with a "new product" called CFO resolve. They say they'll give you cash today and add your old debt to it... Simply to get hold of your new card and bank details.

 

You need to report this transaction to your banks fraud team. Tell them it was an unauthorised transaction and you want a chargeback. Report it to the police also if need be

It never rains but it pours...

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Yeah i'm going to do that just wanted to make sure I was within my rights to do that.

 

So if I talk to the fraud team and get my money back as I never gave my details to cfo lending that would be ok.

 

Its disgusting that they can get your details from anywhere and just use them without your permission. Its scary.

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Very scary!

 

If you'd had an association with CFO via your bank they'd try and tell you that you can't do anything about it.

 

Yes, contact your bank ASAP (if not sooner) and tell them you wish to report a fraudulent transaction on your account. Demand a chargeback. They may well try and fob you off with "you need to wait 14 days", tell them No, not 14 days, NOW! Keep going up the chain, supervisor, team leader, manager etc.

 

Let us know how you get on

It never rains but it pours...

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  • 1 month later...

I'm sorry if I'm hijacking this thread

- I don't mean to but just to add to the OPs complaint about them obtaining details not given to them... They did the same to me!

 

They swiped almost £300 from my new bank account 2 days before Christmas, even though I had a payment plan in place with them via a DMC.

 

When I confronted them about it, they told me that I had reapplied for finance with them and therefore gave them my new card details and permission to use them.

 

I can say that at no time after taking out my original PDL with them, did I apply for finance with them or with any other PDL.

 

I asked them to give me the exact dates and times to which I applied and they couldn't.

 

I was fortunate enough to get my money back via a chargeback but I have never been able to find out how or when they got my new details!

 

Hope you get your money back!!!

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And.... scarily enough, the account details they originally had were with Natwest and the new details they got, from god knows where, were Lloyds TSB.

 

I am convinced they somehow got my details from my DMC although the DMC strongly deny that that could've happened!

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I really do hope that not a fee paying DMC?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I really do hope that not a fee paying DMC?

 

dx

 

:-( Unfortunately it was...

 

I have seen the light now though (after that issue anyway! There've been other issues where contact details have been passed on and the only people to have those details are the DMC etc etc) and am now in a self managed DMP!

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most fees paying DMC's are intertwined with the creditors

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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