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    • Incidentally, congratulations on not buying the warranty. That is another Big Motoring World rip-off. See what we have to say about extended warranties and the Big Motoring World attitude to them is particularly unhelpful
    • well that google is from 2019, but the photos are certainly of someone driving on the public highway in/out by an ANP system, though the site of where the camera actually is, is not showing there are anpr cameras up by the low yellow barriers but they wont get from facing shots from there. interesting, needs to be checked if the road IS a public highway but on private land, cause as you say, if the whole area is max 4hrs , how does the hotel work< ?? must have a reg entry system.  now as for taking pictures of cars on a public highway then guessing the are parking ...erm.... i dont thnk thats right nor allowed under GDPR. dx  
    • Under the consumer rights act 2015, if a defect manifests itself within 30 days and you have a right to return the vehicle for a full refund. If any defect manifests itself within the first six months of ownership then you have a right to return the vehicle for a full refund subject to the retailers right to carry out a repair. If the retailer declines to repair or if the repair fails then you have the right to return. The problem here is that you have to assert their right. It's a bit ridiculous – but you have to do let them know preferably in writing that you are asserting your rights under the consumer rights act either the 30 day right or the six month right. I suppose that you haven't done this – which would be quite understandable because most people don't know that these rights exist and that they are subject to these conditions – the condition that the right must be inserted. It is frankly ridiculous. The dealers know it and we have lots of instances of this company delaying appointments et cetera and our strong suspicion is that they are simply trying to run their customers out of time. On the basis that you haven't asserted your rights, we now have to look to ordinary contract law. You are entitled to purchase a vehicle which is of satisfactory condition and which remains that way for a reasonable period of time. Clearly it is in satisfactory. They are blaming you. Has your independent inspection identified the reason for the defect? This will be important because as you have seen BMW are already saying it is down to your driving and you are going to have to produce evidence that it wasn't down to your driving and the you drove it absolutely reasonably and it was simply the condition of the car. Have you been without the car for any period of time. Is it driveable now? If the car was off the road for a substantial amount of time and was still off the road then you would be able to argue that this is a fundamental breach of contract and that you have been deprived of substantially the whole benefit of the contract and therefore you will be entitled to treat the contract as breached by Big Motoring World and insist on cancelling the contract. It may be that you will eventually be obliged to keep the car but have the repairs paid for. Have you had any quotations for the work that needs doing? I asked you questions about the MOT – but you haven't responded.
    • A 'violent left wing mob', comprised of a chap in a red hoody with a damp polystyrene coffee cup and a bit of wet cement, gets nowhere near cowering frightened farage some distance away on top of his double decker bus .. as farages security and support seem to film the incident grinning     Farage bravely flinches, grimaces and seems to almost burst into tears as the 'objects managed to travel a part of the way toward his position on top of his bus. His reactions honed by having a bit of milk splash him at a prior incident allow him to swiftly fall into a protective cower and grimace .. .. Sometime after, once the mob of 1 had been safely bundled away, farage apparently wipes his eyes of tears, and rising from his cowed and frightened pose, bravely shouts “I will not be bullied or cowed by a violent left-wing mob who hate our country.” .. however few they may comprise of.   https://www.independent.co.uk/news/uk/crime/nigel-farage-cement-barnsley-reform-uk-b2560501.html  
    • According to Parkopedia parking is limited to two hours.  I don't know how accurate this is though. What were you doing there for four hours?
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      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.  

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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Citizens Advice exposes payday lenders’ failings as OFT closes in on unscrupulous lenders


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I find the fact that they actively champion the fact that 8 out of 10 customers pay back loans in full and on time. I find this shocking. 1/5 of their customers don't. What's the situation with them? How are they treated? How much are they stung in fees and charges?

 

If, and I quote 'Responsible lenders don’t lend to those unable to pay back' and 'Our members don’t target vulnerable people or lend to the unbanked' Just what sort of individual is within this 20% that don't pay back in full and on time.

 

It beggars belief.

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Have you seen their website?

 

Read some of the text on the front page.

 

http://www.cfa-uk.co.uk/

 

Unreal!

 

Hi sequenci

 

Just had a browse through.

 

Wonder what goes on at the team meetings......and now onto the afternoon session.....the subject is commission and timeshares

 

Yes, its a joke

 

This and a few other practices in debt and finance cant go on much longer its getting beyond rational thought now and is galloping out of control.

 

Code red has been spotted on the radar in the distance, but affirmative, it is definitely there

 

My opinions

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Government wont do ANYTHING about them. They belive the 'industry' should be self regulated. Why? Perhaps we should ask Mr Beescroft why.

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

 

It has long gone past joke proportions.

 

The OFT pass it onto others after 12 weeks plus the rest

 

They then sit and talk about it along with their 'concerns' and an agency that takes over in April 2014

 

In the meantime, yes, you have guessed it......NOTHING REALLY HAPPENS AND THE MISERY & COST JUST GOES ON

 

My Take:)

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Anyone find it annoying that the CFA seem to be acting like the injured party here? It's not like they've had enough chances to clean up their act.

 

Almost every article I've read there's someone from the CFA acting like they've done nothing wrong.

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Anyone find it annoying that the CFA seem to be acting like the injured party here? It's not like they've had enough chances to clean up their act.

 

Almost every article I've read there's someone from the CFA acting like they've done nothing wrong.

 

Hi

 

I saw and listened to the chap from the CFA on the TV, the minister Jo Swinson was also briefly interviewed.

 

It was that bad we ended up having to purchase a new TV set today.

 

I have got to stop drinking in the house at night and maybe get out a bit more

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and didn't they also recently say that they were not interested in any interest rate caps?

 

also, http://www.consumeractiongroup.co.uk/forum/showthread.php?395822-Payday-lenders-could-face-advertising-ban&p=4276328#post4276328

 

Like i said, i blame a certain person already mentioned in this thread. it may just be a coincidence, but all the things he has done, it's just TOO much of a coincidence.

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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:) see that now #14. they the minister reiterated it a couple of days ago as well, live on s news. Edited by Ford
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Consumer Minister Jo Swinson described the get-together, which was also attended by trade bodies, as “productive and lively”. She said one of the big issues raised was the ease with which people were able to take out more than one loan – often without lenders carrying out proper checks.

 

 

One borrower was able to take out 36 at the same time which was, Ms Swinson admitted, “pretty shocking”.

 

 

 

 

 

Interesting to see that Stella Creasey was not invited to the meeting !

 

 

Labour MP Stella Creasy was not invited to yesterday’s event, despite being a leading campaigner on the issue.

 

She said: “If you are a legal loan shark I think you would walk away very happy from the meeting. It wasn’t even a slap on the wrist for them.”

 

 

 

 

 

 

 

http://www.mirror.co.uk/news/uk-news/watchdogs-branded-too-soft-payday-2017363

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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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Hi

 

Yes, strange that.

 

They cannot handle her maybe

 

She gets it spot on and will be proved right on everything she says in the end.

 

Top lady, no fear, tells it how it is.

 

In contrast I have Just seen this press release

 

http://www.dailymail.co.uk/tvshowbiz/article-2354147/Kerry-Katona-dropped-face-payday-lender-Cash-Lady-declaring-bankrupt-second-time-years.html?ico=tvshowbiz%5Eheadlines

 

Now, even if you tried your hardest you could not make some of this up.

 

Seriously, even for the Payday Loan industry it cannot get any dafter, can it?

 

My opinions and views

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Hi Wintry,

 

Do you know if Stella gets involved with the CABs in her constituency? I appreciate she's a soild spokesperson but I seldom come across examples where she has activly engaged with the free advice organisations, unless I'm missing something (and quite possibly could be). I've heard from Mike Dailly, he was pretty clear with what outcomes he would like to see - and I would imagine the free advice industry representatives would be signing from a similar hymn sheet.

 

That Mail article is incredible. I'm guessing a rather long BRU is coming her way. Well you would hope, wouldn't you?

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Yes, I saw that Kerry Katona is bankrupt again. You would have thought she would have learned her lesson from the first time round !

 

It is quite ironic that she was advertising such a shoddy product whilst working her way towards a further bankruptcy !

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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Brilliant PR for the payday loan firm though - NOT! hahaha.

 

Well yes, there is that. See what happens when you get involved with us.. even if you are working :lol:

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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Hi Wintry,

 

Do you know if Stella gets involved with the CABs in her constituency? I appreciate she's a soild spokesperson but I seldom come across examples where she has activly engaged with the free advice organisations, unless I'm missing something (and quite possibly could be). I've heard from Mike Dailly, he was pretty clear with what outcomes he would like to see - and I would imagine the free advice industry representatives would be signing from a similar hymn sheet.

 

That Mail article is incredible. I'm guessing a rather long BRU is coming her way. Well you would hope, wouldn't you?

 

Hi

 

I am not sure how much involvement she has with her local CAB.

 

She is active in general nationally on the payday loan issue and has been for sometime

 

If you google her name in with payday loans and citizens advice there is plenty of stuff on there.

 

I have heard and seen her on TV & radio numerous times and read her articles etc

 

In my opinion she gets it right and trounces the opposition every time she is on by simply base lining the questions and points of view which is all you have to do in any debate when the issues are obvious and attempts to bullxxxx and smoke screen are made - just keep bringing the other side back to the base line with the simple facts and figures.

 

It is easy with the Payday loan industry as we increasingly keep seeing - so much so that is quite frankly just a blot of an embarrassment the likes of I am struggling to remember ever seeing before, it really is getting that ridiculous.

 

Listening to the minister and the payday loan spokesmen the other night was simply a pathetic inexcusable joke in my opinion.

 

The CAB have been campaigning on this for some while and are ratcheting up the pressure along with other organisations, people, forums and so on.

 

It is headline stuff as we can all see - it is absolutely wide open for all to see and getting worse, but nothing is happening - WHY?

 

The misery goes on in the communities and for others caught up in this menace.

 

I can remember years ago when there was outcry against the doorstep lenders but this is on another planet compared to those days - dare I say it, but the doorstep lenders actually look inviting compared to this lot - best regards guys, come back, all is forgiven, we never meant what we said back then:)

 

Crack down on welfare, but turn a blind eye to this type of thing

 

At least give people and families a chance.

 

The Local Authorities, CABs, GP Surgeries, other agencies and support groups are right at the front line with all this, as I have said before debt advice is not just about debt management plans, bankruptcy, IVAs & Debt Relief Orders - it is also all about the other huge percentage including the most vulnerable who don't always fit that criteria who can very often find themselves left on their own in dealing with crisis & priority situations.

 

Flashy client testimonials and clever marketing box ticking mean nothing in this sphere of benefit, debt & housing advice, you can trust my word on that one

 

With regard to the Mail article, it speaks for itself -

 

Yes, a BRU is likely but not sure if that matters too much in the world of showbiz

 

My opinions

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