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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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Been transferred to OPOS


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Our £270 loan with minicredit has now been transferred to OPOS who say we owe £1540. I think not. I'm willing to pay what I legally owe at a rate I can afford which is £10 a month at the moment. I've been putting that away in an ISA since January. How likely are opos to agree that I owe nowhere near that amount and agree to the £10 a month repayment plan? I finish paying off two them loans in Sept and can increase to £20 a month then. Want to be clear of PDLs by this time next year but when they hike on charges like this I can't see it happening.

 

Anyone dealt with these people and got advice on how to handle it?

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Opos are minicredit. Keep telling them the charges and intetesr are unlawful and you are willing to only pay the original agreed amount and not the silly imaginary numbers they make up. You also need to file a complaint with the oft.

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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  • 2 weeks later...
  • 3 months later...

Same management, same address, same phone numbers, same people manning the 'helplines'

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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Im not sure if thats true Renegade.

 

When I dealt with Minicredit / Opos they had different telephone numbers, contact offices in different areas (London for Minicredit and Scotland for Opos) and very different staff on the phones (Very strong Scottish accents for Opos and...well...completely different for Minicredit).

 

Unless things have changed obviously

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They use mail redirection centres.

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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  • 1 month later...
Our £270 loan with minicredit has now been transferred to OPOS who say we owe £1540. I think not. I'm willing to pay what I legally owe at a rate I can afford which is £10 a month at the moment. I've been putting that away in an ISA since January. How likely are opos to agree that I owe nowhere near that amount and agree to the £10 a month repayment plan? I finish paying off two them loans in Sept and can increase to £20 a month then. Want to be clear of PDLs by this time next year but when they hike on charges like this I can't see it happening.

 

Anyone dealt with these people and got advice on how to handle it?

 

I have had endless problems with these people they seem to be the debt collectors for Minicredit and are a nightmare to deal with. I have gone so far as to report Minicredit to the FSA and OFT. They are sharks.

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Hi shazah. Write a formal complaint to them so you can get the fos involved.

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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  • 4 months later...
Our £270 loan with minicredit has now been transferred to OPOS who say we owe £1540. I think not. I'm willing to pay what I legally owe at a rate I can afford which is £10 a month at the moment. I've been putting that away in an ISA since January. How likely are opos to agree that I owe nowhere near that amount and agree to the £10 a month repayment plan? I finish paying off two them loans in Sept and can increase to £20 a month then. Want to be clear of PDLs by this time next year but when they hike on charges like this I can't see it happening.

 

Anyone dealt with these people and got advice on how to handle it?

 

First of all, before speaking to OPOS just prepare an income and expenditure which shows you can only pay £10 per month.

 

If they try and get you to increase just stand firm,

calls are recorded and as long as you can prove that you can only pay this amount

(they accept I/Es as proof) then you will be able to set up a plan.

 

ou may have to send this in via email or letter.

 

Regarding the "what I legally owe" part.

 

OPOS are a debt collection agency that have not bought the debt and have to go by the amount the client tell them.

 

They can accept settlement figures and get a lot of the charges removed.

But if you are only going to pay £10 each month then they are unable to adjust the balance at all.

 

Minicredit will not take you to court over this and OPOS will not add more interest on.

 

If you don't pay it it will affect your credit rating etc but at the end of the day they will not take any legal action.

 

Good luck and let me know how you get on!

 

And despite what someone has said here they are two different companies.

 

Any simple checks will confirm that.

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cause they are ......

 

only a judge has the power to demand pers financial details

 

they've no right to see or know it.

 

cut out the DCA

 

negotiate with the original creditor ONLY.

 

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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