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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 
      • 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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Wonga help


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I'm really struggling with wonga at the moment. I took a £400 loan out with them in November and I did start repaying it early in order to reduce the about owed. However I did default and started repaying my loan in January at the rate of £5 a week. Not a huge amount but better than nothing. However I have just been online and it says I still owe them £589.27. Surely this can't be right? How can I go about getting this reduced because I've worke out they must have had over £200 already from me. I've just emailed them saying I have been repaying a per our agreement and it isn't being reflected and asking for a full breakdown of all charges and all payments reviewed by them on my account.

 

Please help because I'm not paying any more than I have to which I thought was the original loan, one month interest and one default fee? Is that right?

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Pay the loan, plus contracted interest and a fair default fee. However, one thing you need to do is tell them you are in financial difficulty and that you need the interest to be stopped. Wonga are normally good at stopping interest accruing, but you need to tell them.

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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I went through all my old emails last night and on the date I defaulted I only owed them £430.92 from a £500 loan as I had started making payments. I have since made £105 worth of payments but apparently my debt still stands at nearly £600. I am not paying this much. And they are ignoring all my emails. What do I do now and what is a reasonable amount to repay them? I personally think I should only repay the £430 outstanding plus a default fee, minus the £105 I have already paid leaving me about £350ish to repay not £600ish. Would that be reasonable? How do I word an email saying they are taking the mickey?

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Thanks,

 

Going to draft them another email now and in it say that I am contesting all the charges and interest and telling them that I will only repay them another £350 which I think is more than reasonable. I am going to increase my repayments as well to £10 a week for now. Now I don't have any nursery fees to find I can afford to increase all my repayments meaning I could be PDL free by Xmas if they'd all play ball and stop adding charges and fees.

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What charges are they adding?

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...

I don't know because they won't respond by email. Apparently I need to ring them to resolve this which I won't be doing. Just don't see how owing £430 but now repaid £140 means I still owe £580 to them. I'm paying them another £350 maximum and then if they want any more they can take me to court for it. I can't see a judge agreeing with them, especially as I'm repaying it and haven't missed a payment. Plus it's way more than the loan plus one month interest.

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  • 2 months later...
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