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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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Payday Loan Regulation!!!!


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Guys!!! This is wonderful news and was reported by Martin Lewis from MSE

 

Also through Sky Below;

 

Tougher controls on payday lenders could see unlimited fines for companies which break the rules.

 

The Financial Conduct Authority (FCA), which will take over regulation of consumer credit from the Office of Fair Trading (OFT) in April 2014, said the sanctions were among a host of proposed new rules that would go out to consultation.

 

The organisation, which will cover tens of thousands of firms offering services such as overdrafts, credit cards and debt advice, was formed six months ago with the promise of strengthening protection for consumers.

 

Among its other recommendations: Limiting to two the number of times a payday loan can be rolled-over, banning misleading adverts and compulsory affordability checks for all loan applicants.

 

Payday loan firms have come under intense scrutiny in recent months after a damning report by the OFT found "deep-rooted" problems.

 

http://news.sky.com/story/1149590/payday-lenders-set-for-tougher-controls

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"Proposed new Rules"

 

"Sent out for Consultation"

 

No doubt by the time the FCA take over from the OFT in April 2014, there will be a lot of watering down.

 

What we really want to hear is that they are not "Guidelines" any more - which the Companies may or may not adhere to. But law which they MUST stick to.

 

I am impressed so far with the FCA, they do seem to be more user friendly.. but time will tell.

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I think everyone should be reading chapter 6 here:

 

http://www.fca.org.uk/static/documents/consultation-papers/cp13-10.pdf#page=54

 

and then take the time to respond to the consultation (as I am)

 

http://www.fca.org.uk/your-fca/documents/consultation-papers/cp13-10-response-form

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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I know they are proposed regulations, but i can really see this happening!!! :)

Im starting to think Stella Creasy's Campaign is paying off

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Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi

 

The quote below from the Sky article had me at the edge of my seat... then I could not hold on any more and slid onto the floor...I am still there albeit with the keyboard in my hands, going to have to let go now though, need the hands to hold my sides and get back up somehow as the laughter is killing me:)

 

 

"The FCA's chief executive Martin Wheatley said: "Today I’m putting payday lenders on notice: tougher regulation is coming and I expect them all to make changes so that consumers get a fair outcome.

 

"The clock is ticking,” he added.

 

 

Just my views as always:)

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About time the OFT and whoever takes over sorts out this shoddy market.

 

Next time a certain company cold calls me again they will be reported to the CAB as they seem to be able to do a little bit more.

 

Hi silly girl

 

Don't hold your breath with this, they all pxxx in the same pot it could be argued..maybe..perhaps:) and have had plenty of time already

 

The CAB are having a real go as they do, like they do, is it making any real difference? mmm the jury is out, but the fight must go on, never give in or all will be lost and there will just be the self interest profit making companies and other so called independent impartial advice agencies left.

 

It is face to face agencies and support groups like the CAB who are really coming under the cosh everyday with this and combined with the welfare reform etc. It is worth remembering that they are only human like everyone else and are not just in it to make a profit and the like.

 

The future does not bode well for many and real hardship is ahead for people, families and communities

 

I have been in this game for over 15 years and a similar field for years before that and thought I had seen everything, not so and I should know better, it is set to get worse, they care only about profit and not the misery that it can leave in its wake. The real world of people and struggling families is alien to some of them.

 

Support your local CABs, other agencies, support groups and those wonderful people who give their time free to help others (this includes the forums) they are doing their best.

 

My opinions or should that be take:)

Edited by Wintry
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  • 4 weeks later...

The FCA proposals don't go far enough. If you're interested in this issue, you could support the Charter to Stop the Payday Loan Rip-off, which has been created by a cross-party group of MPs and numerous anti-poverty and debt charities. Take a look at the 'Drowning in Debt' pages on Church Action on Poverty's website if you want to know more.

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I'm sorry to say this but these new 'regulations' seem like nothing more to me than deckchairs on the Titanic. There are way too many of these legal loan sharks around charging interest rates that make a Provident loan look cheap by comparison.

All this looks like is a limp attempt to ask them to 'play nice' with their victims (sorry customers).

Nothing in this appears to address the obscene interest rates, the use of bailiffs to terrorise people who can't pay, essentially the profiteering on other people's misery and desperation.

Not forgetting the chief slug of Wonga is 'nudging' government policy! I firmly believe these opportunists are part of the problem, not the solution.

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The only way we're going to address all of those problems is by offering a real, affordable alternative - which is why the Charter also mentions proper investment in credit unions. In the meantime, no one is about to ban these loan sharks altogether - but we do have an opportunity to get some genuine regulation in place which will prevent the worst excesses.

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If these companies are forced by regulation to do proper affordability checks - are not allowed to let loans roll over - check that borrower does not already have another PDL on the go. I think that will be a start.

 

Then if borrowers wake up to the fact that these products are NOT the answer to their immediate problems and seek debt advice immediately they are beginning to lean towards taking out a PDL we might actually see the demand for these lessen.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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They also need to ensure these companies follow the OFT Guidelines in Debt Collecting and the Statute of Limitations rules.

 

I had a call from Payday UK yesterday, I didn't pass security as they didn't have my current address - as I've now been here over 4 years that is a good clue as to the age of this alleged debt - as far as I have checked they were repaid - so why the debt collecting call? I asked for an email copy of their complaints procedure and none was provided - and the guy said he would pass it to their fraud department - must be quite a busy department!

 

They also need to stop the 'You visited our website but didn't take a loan - if you want one now just log on and you can have one' type calls - 24/7 Moneybox are one of the companies using this tactic - and I've NEVER had a loan from them, just visited their site to check T&Cs for another Cagger over 5 years ago!

 

It is over 6 years since I last had a payday loan so the alleged debt is probably near statute barred anyway (I've noticed you get a flurry of calls/emails as a debt nears that time).

 

There is another company called Cash Kitty who has come to my attention - APR is 2670% (which kind of puts Wonga into perspective).

 

Rant over for today.

Edited by sillygirl1
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