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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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TOOTHFAIRY/NDR/MARSHALL HOARES. Help needed please!


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Hi all, I'm really hoping someone would see this and help me out :(

I'm a 20 year old student and I stupidly took out a £300 loan with TOOTHFAIRY and I signed onto a DMP shortly after, agreeing to take £40 a month. At this point, I apparently had to pay £800.

 

I paid them month by month and to this day I've paid them £310 and I am currently in the process of switching DMP's from Debt Advisory to Stepchange (because they're free) and I received an email from Toothfairy saying that I now needed to repay £1711!!!!!!!!!!!!:!:

 

Bear in mind I have kept up with payments consistently! The £40 has always gone through to them!

 

I've logged a complaint with FOS and OFT but to be honest, they couldn't answer me straight when I asked if I would be dealing with this for the rest of my life if they don't accept any payment plans, they could keep charging interest.

 

PLEASE help me, I start 2nd year of uni next month and this is making me very depressed, the constant emails and calls are very scary and the thought of it never going away frightens me so much!

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Don't panic they are full of empty threats, only repay the loan plus default fee no more. If you write to this company your letter will be at the empty garage in London. They will pass your file to NDR and charge 200.00 fee, then fee to Marshall Hoares Bailiffs ( not bailiffs ) they are all the same company. Report to OFT FOS now keep all emails letter etc and send to the OFT FOS etc.

 

Keep reading threads on this site which confirms everything about this company.

 

 

They will keep sending threats adding fees, but so far this company have never been to court ( well attended ) just a bunch of crooks .

 

DONT PANIC

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Don't worry. I took out a loan of £500 with them in 2011. You have got to realise that Toothfairy, NDR, and Marshall Hoares are one of the same. They reckoned that I owed them £3546. I phoned them and threatened them with the financial ombudsman. They then ver quickly settled on a payment of £699, payable over 3 months. Just stand up to these guys. They have no balls at the end of the day and you will NOT get a home visit.

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Send a FORMAL COMPLAINT and they legally have to communicate with you. It's on my to-do list this week to sort them out- been busy with work and we have had a new baby so been a bit busy. I've had a bit of email correspondence with Michael Lapides and they have finally agreed I don't owe anywhere near what they say. Admittedly it has taken a complaint to both OFT and Financial Ombudsman to do it. They get a certain amount of free investigations per year and then are charged over £500 for every other investigation by the FOS so get complaining. And make a point of telling them you are complaining. That will defo get the morons running scared!

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Send a FORMAL COMPLAINT and they legally have to communicate with you.

 

Nope. Guidelines say they should issue a final response within 8 weeks, otherwise the FOS can intervene without a response from the creditor.

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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Considering the lender can be fined up to £50000 for failing to deal with a legitimate complaint it is really in the lenders best interest to deal with complaints seriously though.

 

But then of course we are talking about the Toothfairy here:evil:

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