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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
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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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Mini credit and excessive charges.


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I'm posting on behalf of a friend.

She took a payday loan out with Minicredit in February this year for £100. She received £80 after having £20 deducted for a draw-down fee.

She was due to pay the total loan +interest of £130 mid march but due to unforeseen circumstances, there was not enough funds in her bank for the d-card transaction to take place.

She thought about extending the time on the loan online but they wanted £50 just to look at it.

Minicredit then attempted to take money from her bank on a few occasions without success but they added charges onto the loan.

Because my friend is on a low income, is a single parent with 4 children, she was worried they'd try to take the full amount of debt (on a continuous payment authority) so she asked her bank for advice. They said there was no point cancelling her d-card as they will be able to take funds straight from the bank account (is this true??).

Since then Mini credit has taken £50 about 2 weeks ago and then 3 amounts totalling £150 in the early hours of 25th April. This meant she was unable to buy her groceries for the family and is now very stressed over this situation. (She sufferes with anxiety/depression/other conditions which has been made worse because of the stress).

Her bank has now confirmed that they have cancelled the continuous payment and said they'd refund any payments that Minicredit may take in the future.

My questions are:

1) is there anything else she can do to make sure Minicredit can't take anymore funds?

2) what can she do about the excessive charges?

3) should she be able to get some funds back from Minicredit?

SAFU

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Get your bank to fully refund those charges and get that CPA cancelled. you also must report minicredit as they have already had their credit licence actioned for this, and are on the verge of losing it. They seem to be doing one "last hurrah" lately as the FCA are coming down hard on PDL's.

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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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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  • 4 weeks later...

I had a loan of £120 with minicredit an I couldn't repay it for 2 months, I paid back £175 an they still believe I owe them over £500 I'm refusing to pay that! I would rather take them to court! NO ONE USE THESE LOAN SHARKS!! If you going to get a payday loan there are plenty out there which are much better then minicredit! DO NOT USE MINICREDIT!!!!!

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  • 4 weeks later...

Hi. I have an update on this issue.

CPA cancellation has been enforced so no more debits are being taken. My friend has managed to get a fresh bank account and card.

However, today she received a letter from Minicredit that is very upsetting. I will type it below:

 

Dear ##

Microcredit ltd (trading name Minicredit.co.uk) has received a chargeback regarding the payments debited from your debit card. We would like to remind you that by signing the loan agreement you have authorised microcredit ltd to debit payments from your bank account using the debit card details registered with us.

 

It is considered FRAUDULENT BEHAVIOUR TO MAKE A CHARGEBACK when you have registered and RECEIVED THE SERVICE regarding which the payment has been taken.

 

You have broken the loan agreement and your account will be forwarded to our debt collection partner. They will contact you in due course.

 

We also report your illegitimate actions to relevant national register what may severely reduce your ability to receive credit or other services in the future. We advise you to immediately contact your bank and WITHDRAW THE CHARGEBACK to avoid further escalation of the matter.

 

Kind regards

Minicredit.

 

 

 

Is any of what Minicredit is threatening within the law? (Debt collection obviously are).

My friend is planning on going to CAB for advice for all her debts but I wanted to know we she'd stand and what she (or I on her behalf) can do about this.

SAFU

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Report them. It is not fraud to make a chargeback at all.

 

Theyre trying to scare you into letting them keep the money

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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FCA and file a full complaint with minicredit so you can get the FOS involved as well. IIRC, theyve tried this trick with a few other CAG members too.

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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