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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
      • 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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Speed Credit/NDR issue

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I am having huge difficulty with NDR/Marshall Hoares. I have read several threads on them but not entirely sure what I should be doing next.


I wasn’t able to handle my debts anymore so I entered into a DMP with Step Change.


As per instructions, I sent an email to all my creditors that I was entering a DMP and that they will be receiving details shortly.


While the whole thing was getting set up, Speed Credit kept trying to call me.

I spoke to them the first few times explaining that they need to wait a while.


Few days later they passed it to NDR and then calls kept coming from them.

Finally it got ridiculous as they were calling me 2-3 times a day during my working hours and I had to say the same thing over and over again.


i started to ignore their calls. Then they called my work number.

I wasn’t at work and a colleague picked up and left me a message.


When I called them and asked them why they called my work, they said there was no mention on their system that my work number was called. Big Surprise!!!

I then told them they should never call my work and the guy told me I provided the details and that they will call my work number if they cant get me on my mobile.


After I spoke to the advisor and explained my situation (that they will be receiving a correspondence letter soon),

on the same day I received 2 other calls, just different idiots asking the same thing.


They are calling me 2-3 times a day now, even on weekends.

Also text and emails with home visit threats and in a few months my £400 loan has gone up to £2245.


Step Change has sent the correspondence at least 3 times on my request and every time they declined it.

Apparently it wasn't enough.

They want me to pay a minimum of £40/month.


I have several other Payday loans and can’t pay any more than what has been offered to them.


Last Sunday, they spoofed their number so it seemed like an international call coming in.

I picked up and the guy was very rude, screaming at me.

Why I took out a loan when I can’t pay?


Apparently 90% of their customers always pay and are very satisfied with them, etc. etc.

I even explained that if they had accepted the offer which was in late February,

a lot of that debt would have already been paid but they didn’t.


He kept on saying that I need to give up some luxuries, I asked him to look at my budget sheet and tell me if there is anything there that can be removed.

I don’t earn a lot so after all the essential things; I don’t have a lot extra left over.

Whatever is left is going to step change.


he told me my land line and my mobile is a luxury and I should give that up and pay them back.

I couldn’t believe it; thank god he didn’t say that rent was a luxury as well.


I asked them to contact Step Change and he said and I quote ‘we don’t contact your debt management company, they should contact us.

If we don’t hear from them, we will contact you only’.


I have read somewhere that once you are in a DMP, the debtors should only contact the debt management company and not me. Is that true?


We finally came to an arrangement that I will ask Step Change to send them the correspondence again but I know they will decline it again.


The calls/text/emails are still coming in.


I really need this to stop and there is no way I am paying over 2 grand on a £400 loan. Please help.

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Speecredit is ran by a very dubious person. Have a read of the speedcredit forums, or better still, search for Oliver Larholt. You'll soon start laughing at their silly attempts to trick money out of you.

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


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Hello and Welcome SN8,


I have moved this thread to the appropriate Forum.





Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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just keep a good log of al the calls


time to stop them too.

you'll have no papertrail to the unlawful threats either.


let step change deal with them.



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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We let all calls go to voicemail and let them leave a message, which is always rude, full of illegal threats and part of my ongoing complaint to the oft. I only owe them £42 now but they claim its £700.


Get a complaint to the oft. The more people that complain the sooner they will be shut down for good,

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Thanks a lot to all of you for getting back to me. I already spoke to Step Change. They told me all they can do is send the correspondence letter. Apparently they never call the creditors and provided a number that the creditor should call. On the other hand NDR is refusing to call them and telling me that Step Change should call them.

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Fos wont get involved until you exhaust the creditors complaints procedure

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


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Just pay them whatever you can afford, whether they accept it or not.


If they return your payments (which they won't), then you have a valid complaint that they're making it impossible for you to pay off your debt.

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