Jump to content


  • Tweets

  • Posts

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
        • Like

Going in circles with wonga and default!! Help!!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3793 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi everyone

 

Just after some thoughts and advice really, am new to all this!! To cut a long story short I had a wonga loan and it is now being paid via a DMP... After checking my credit file I noticed they placed a default, to which I have never received anything from them except the standard reminder emails that my payment was due... I requested a copy of said alleged DN and received this reply

 

"Thanks for your recent correspondence about us reporting your data to the credit reference bureaux.

 

In relation to the default filed by us, we can advise you we only record accurate and up to date data with the bureaux. We describe our commitment to this in our terms and conditions, and privacy policy.

 

We’re under obligation to report the breakdown of such relationships to the bureaux, which is why we filed the default on your credit file. We’ve reminded you of the outstanding account by email, letter and text message on numerous occasions. We’ve set out our commitment to file defaults in our privacy policy and loan terms and conditions.

 

To summarise, as the default has been recorded accurately and in line with our terms and conditions, we won’t be removing this from your credit file."

 

I know I have never received anything from them in regards to a default as I have kept every email and never got a letter from them... Just after some advice/thoughts about what to reply or do next!

 

I know I was stupid in the past but have finally got my head out the sand and only have just over a year of my DMP left to pay... I would happily offer them a settlement but refuse to do so when they're playing games.

 

Thanks x

Link to post
Share on other sites

You are unfortunately confusing a default in the context of your credit file with a default notice in the context of consumer credit legislation though they are in fact very different.

 

A default notice has to be issued before a lender can terminate a credit agreement and, e.g. take court action to recover the outstanding amount.

 

A default on your credit file is recorded when you have missed, I believe, 3 payments or not made them in full. It does not require the prior issue of a default notice.

 

There is unfortunately very little, if anything, that you can do to get it removed in these circumstances.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

Link to post
Share on other sites

Hi

I'm afraid I have to agree with RMW.

 

This debt may fall under the CCA but as it was a short term loan and you failed to clear it by the due date and the fact it is now subject to a DMP, Wonga are correct (although I hate to say it).

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...