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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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MKDP Credit Report Entry


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I know its probably a long shot but is there anything I can do?

 

Hi,

 

Sorry but no, Welcome Finance have sold the debt to MKDP, Welcome Finance have removed their Credit Reference File listing and this has been replaced and updated by MKDP which is correct and a true reflection of the account.

 

You will soon hear from MKDP notifying you of a change of debt ownership via a Notice of Assignment.

 

Because this is a Welcome Loan, have you claimed back any charges or PPI?

 

Is this loan secured or unsecured?

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Does anyone know the address I should be sending to for welcome finance?

 

Welcome Financial Services Ltd,

Ruddington Fields Business Park,

Mere Way,

Ruddington,

Nottingham,

NG11 6NZ

 

Also do I sent a straight £10 note?

 

NO, only a Postal Order or a Cheque - a tenner note will disappear!

 

And also do I send it registered?

 

Yes by registered post, print off a copy from the Royal Mail website when delivered so you have a full track and trace facility in place.

 

Also what do I do if I dont know my account number?

 

Modify the SAR template letter to suit & also by adding in your previous address if applicable so Welcome Finance can then easily trace you on their systems

Subject Access Request template letter is here... http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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1 from Welcome saying the debt had been sold and

1 from MKDP saying to "phone them they can help to come to an arrangement"

Both in the same envelope I might add.

 

That is a normal procedure, MKDP will have printed both of these letters.

 

You need to keep an eye on your Credit File, MKDP have a nasty habit of changing the default date to the debt purchase date on your Credit File.

Welcome Finance should have closed their Credit File entry with a zero balance and a settled marker, MKDP will open up a new entry with their name as the owner, the default date must not change from the Welcome Finance default date so if this has happened then a complaint is in order first to MKDP to update the entry to the correct default date, if not then escalate to the ICO.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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So I think i've made an error, I forgot to include my previous address on the SAR. What should I do?

 

If Welcome Finance needs any-more information regarding your SAR including previous address history, Welcome Finance will write to you.

 

Just keep an eye on the Royal Mail Track & Trace (Now called "Signed For").

 

Stigman

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NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Just wondering if I need to respond to this?

 

No.

 

It means that they cannot find the paperwork - oh dear, how sad!

 

Just wait until they come back to you with something.

 

Until then, just sit back, relax & enjoy your day.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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At what stage will I be able to do something about the default they have registered on my credit report? if at all?

 

If the default was placed correctly with the correct default date then am sorry but it will stay for 6 years because this is a true & correct reflection of your credit history.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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