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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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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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smile finance took a fee


michphil
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Hi,

I looked at my bank account 2 days ago to see that a company called smile finance have took £26.34 out of my account. I have never heard of this company before and I do not know why they have took this money from my account. I have tired to get in touch with them emailed them twice still nothing. I have even threatened to go to the police about this. Can anyone tell me how do I get this money back. I have not given anyone permission to take money from my bank nor have I ever spoke to them. Because they took this money I have now got bank charges of another £25.00. I have spoke to my bank and they said there is nothing they can do. Surely there is something I can these robbing gets will not get away with this. I just need some other ideas how to get it back. Thanks

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If it's a direct debit, and you have not given them authorisation, you should be able to reclaim the amount by indemnity through your bank. This is part of the direct debit guarantee, and your bank should know how to do this.

 

In terms of any consequential loss in relation to fees incurred, you'll need to contact Smile. Do so in writing/via email - which I see you have done, so is a good start.

 

Others should be along to advise further.

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£26.34 is their fee for applying for a loan on your behalf - assuming you haven't applied for anything recently?

 

If you're card is a VISA, you might be able to do a chargeback via your bank - and open up a fraudulent transaction query - else call them on 0844 7391162 and ask for an address to send a recorded delivery letter to, if you'e getting no response via email.

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Hi,

No I have not applied for anything at all I had never heard of these people until I noticed this debit on my account I have tried all ways to get in touch with them but I have not had any luck yet and in the mean time I have been left penniless now until my next pay day my card id MasterCard debit and I have been told I can not get the money back unless this company gives it me back

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I can see from your other posts that you've applied for loans using other fee-chargeable loan brokers, and successfully had an application fee refunded previously. Could you have applied through a company that then referred through smile, passing on your card details?

 

See this thread:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?386959-Who-are-Smilefinance.co.uk-They-ve-just-taken-%A326-from-me...

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  • 1 month later...
Thanks it was not a direct debit someone has used my card details and I am finding it hard to get hold of someone at this company smile.

 

Hi I do not know if you have had any success but try this number 08006906860, did the same to me on the 30th July phoned told them the problem e-mailed a refund request form.

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Hi,

Yes I have had success with the company they tried to keep some of the money they took out but I had told them that I would take it further if they did. They emailed me the same form as yourself and I printed it off filled it in scanned it and sent it back within minutes . All my money was back in my bank account within 3 days. Good luck and don't let them keep any of your money x

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  • 4 weeks later...

I don't know if you have resolved this, but here are some details of the company if anyone needs them -

They operate under various names MyMoneyGroup, Buddy Loans, Smile Finance, Money Warehouse and LifeQuotes4U are all the same company.

 

Address and phone numbers for their offices if anyone needs them, all numbers go to the same offices under their different company names -

 

Metropolitan House Station Road

Cheadle Hulme

Cheadle

Cheshire

United Kingdom

SK8 7AZ

 

Telephone numbers - 0800 690 6860, 0161 486 4809, 0800 002 9954, 0161 850 0286, 0161 486 4827

 

The office managers/owners names are Diane Wade, Guy Mackenzie, Nick Zapolski

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