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    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the and the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
    • Please go back and read my message posted at 10:27 this morning @jk2054. I didn't say that I wasn't going to provide documents, only that I will upload them to an online repo that I am in control of, and that I would share links to these. You shall still be able to read and download them no different from if they were hosted here. And, the issue I have is not so much with hosting, but using an online pdf editor to create a multi-page pdf, again I have discussed this that same message.
    • Thanks ,DX, I'd forgpotton about that letter and can't remember sending a SB letter. I must have left it and they did not chase. Unclebulgia. Yes several periods of no contact. Think its time for the SB letter . 
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    • 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
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Stopping Payment To Loan 'finder' Companys?


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7 days ago i was looking to see if i could get a short term loan. I was using a website that said i had been accepted for a loan and to enter my bank details. Once i had entered my bank details i was told i would be charged something like £68.99 for the service that will be taken from my account at some point in the next 60 days (!?). I was then given my loan options and i clicked on one was asked to enter my details and was told again i would be charged £68.99 or there about for the service!!!!

 

I decided straight away at this point to not get a loan. Ever since i have been inundated with text messages and emails offering me loans. I receive over 40 texts a day at all hours of the day and night.

 

Is there any way i can stop the 2 payments for £68.99 leaving my bank account?

 

I realise i have been stupid and should have been paying more attention, but also feel these websites were designed intentionally to mislead people in to paying for a service nobody would ever want!!!

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You should telephone your bank and follow up with a letter and confirm that these payments have not been authorised.

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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You might also want to write to the Loan finder company and demand that they cease pestering you with texts. Confirm that you do not want a loan and that their constant texting is now bordering on harrassment - if they do not stop and remove your details from their data base, that you will be making a complaint to the Financial Conduct Authority and the Ministry of Justice.

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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You should telephone your bank and follow up with a letter and confirm that these payments have not been authorised.

 

Thanks for replying, iv spoken to my bank (LLOYDS) and they have told me they can not do anything about it and to contact CAB to help me get the money back after it has left my account!?

 

Is it possible if i contact the loan companies i will be able to cancel the payments as it is within 14 days and i never wanted the service?

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wrong..

 

chargeback or cpa cancel

 

type in £69.99 in our greytoolbar search box

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Get lloyds to state that in writing. I bet they wont.

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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Again thanks for the replies. Does this mean i have to wait for the money to go from my account and then apply for a charge back? Would it be worth speaking to the loan company now as the money has not gone out yet and its only been 7 days to ask them not to take the money out as i do not want the service and believe i have been misled?

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No. They can block it from ever happening. basically if the merchant tries to take money, the bank will simply state declined.

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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Just be aware that most banks ignore the regulation thats in place, as a lot of people do not know their rights and issue baseless threats and never follow them up.

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...

You have a couple of options to get your money back once it has been taken.

 

You can request a charge back as these fees were unauthorised,

or you can approach the brokers and ask for a refund.

 

The refund will be all that was taken minus £5.

If you have any trouble getting the refund, or if there is no easy way to contact them on their websites,

talk to the Financial Ombudsman.

 

They have dealt with a lot of this recently from several brokers,

and can guide you through what to do next.

You can also make a complaint to them.

 

These sites aren't necessarily designed to mislead people,

but they aren't always clear as to what will happen once you have entered your details.

You need to make sure you always read the T&Cs carefully,

and not provide your bank details unless you're 100% you're happy.

 

As for the unsolicited texts and emails, there isn't really much you can do other than unsubscribe from them.

They will stop eventually on their own, but since your details have already been passed on it is difficult to stop...

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I had the same thing. The address this "company" was registered to turned out to be a chip shop on the coast some where.

 

I told the bank but they said I must have agreed to pay it. On my Payday, the payment came out of my account, and I couldn't get it back. Had to cancel my card instead.

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  • 4 months later...

these guys SGE Loans, Loans Direct, Loans Direct UK, etc etc are all taking money that they have not earned and do not deserve...

 

 

once you apply for a loan with one company they will bombard you with texts,e-mails and phone calls all day long.

 

 

. I applied for a few payday loans recently and did not get any money,

however THEY CHARGED ME for use of their services and

 

 

since then i have received countless offers from a myriad of companies and

I am so sick of it all I have changed my e-mail,

am going to change my mobile number and

I will also be switching banks to ensure they do not have any of my details...

 

 

I was foolish to give them my details in the first place and

now I am just trying to get back to square one, again I must say they are all take money from vulnerable people

who are just trying to get a loan, instead they get robbed!

 

 

I hate them all and I wish I had never gone there but

 

 

I have learned a lesson and from now on will not be taking any loans from anyone!!!

 

 

Just wish I had realised all of this before it makes me angry that these companies are allowed to operate in this way and just get away with it.

 

 

...they should all be locked up for fraud!!!!

 

 

makes my blood boil to think MY HARD EARNED MONEY IS NOW IN THEIR HANDS

and there is little I can do to get it back cos Im just the underdog and they are the big boys..

 

 

.what goes around comes around and I hope it comes FAST AND HARD!!!

 

 

Hard to write all this without swearing but I have a punchbag that is now cowering in the corner thanks to these bleeeps! ..

 

 

.....thanks for taking time to read this and please respond with your thoughts on them

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Theres plenty you can do thomass. You just have to be prepared to be hard headed and see it through to the end.

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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Dont be too threatening with them. keep your cards close to you and follow the rules. Let them or the banks slip up THEN nail 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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