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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
      • 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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Lots of debt


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Hello,

 

I'm trying to get as much advice as possible about the best way to tackle my debt. I can't afford the minimum payments and mentally I can't handle it anymore.

 

I currently owe:

 

Barclaycard £5000

Vanquis £3000

Capital One £3200

Wonga £660(ish)

Natwest £1250 (overdraft)

Halifax £1200 (overdraft)

Very £1000

 

The Hfax overdraft is my current account. I've requested an application pack for a basic bank account with Co-Op, and will be switching everything across.

 

I've sent letters to all of them except Hfax saying I'm in financial difficulty, and have made token payments by cheque. I cancelled the CPA to Wonga and emailed them to tell them, but got no reply.

 

Both my son and I are disabled and my husband is a carer for us. All of our income is benefits. My husband doesn't know the full extent of the debt - it's all in my name. Someone suggested that if I used a DMP to get my debts below £15,000, I could get a DRO. Is that an option? I don't care about my credit rating, it's shot to hell anyway. How long can I make token payments for?

 

I'm worried they're going to take all of my money away. Please help.

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Do you own any assets such as your home ?

 

If the answer is no, then you may qualify for some form of debt relief and should contact someone like Stepchange who are the main debt charity.

 

Link to Stepchange here

 

If you own any assets such as your home which has equity in it, this may stop you being eligible for debt relief and you should still seek advice about the best way forward from Stepchange. You may be able to make small token payments for each of the debts, once it is worked out what you could afford. But this would be better than getting hassled for the debts, with threats to enforce the debts against your house, in the form of charging orders.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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how old are these debts please

 

dx

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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Hi CoffeeAndCake

 

Have you been mis-sold PPI on any of your accounts/loans that you can claim back?

 

Have you got default charges on any of your accounts that you can claim back?

 

Have you made a Hardship Claim to your bank to claim back penalty charges?

 

Read 1, 2, 3, 7 and 8 in my signature.

 

It could be that they owe you money.

 

Don't panic, things seem worse then they actually are.

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I've checked through my accounts, and I've only ever missed payments with Very, who charged £12 each time. The only other charges I've had are from Halifax for the overdraft at £1 a day, and that's gone on as long as they've been charging that - I do have all of my Halifax statements.

 

All I've heard back from my creditors so far is a "thank you for your payment" letter from Wonga and a text from Very. Is there anything I should be doing?

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Is there anything I should be doing?

 

It is really worth you phoning a debt advisory service such as Stepchange. They are a debt registered charity and don't charge you for their services. They have a freephone number and a callback service on their website. I think your husband will find out about the debts anyway at some point because of letters/phone calls etc, if that is your worry about phoning Stepchange.

 

I am a bit concerned that you will struggle on with this, just getting online advice, when if you don't own any assets, don't have income apart from benefits, you might qualify for some form of debt relief. If you can get rid of these debts using a debt relief solution, it is going to save you a load of hassles and worries over many years.

 

Sorry to be a bit personal and blunt, but sometimes I see people struggle through because they are anxious about making phone calls, prefering to get anonymous advice from online forums such as this.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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Thank you unclebulgaria.

 

I have begun making plans to start a DMP with Stepchange. I'm delaying it by a couple of months so that I can build up an emergency fund using the payments that I would have been making. I'm not going to lie, the idea of making that phone call is very daunting but I have to do it if I want to get rid of this debt. I WILL make that phone call.

 

I really appreciate your advice. I promise I'm taking it all on board.

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yes its always better to use these people BUT

 

just remember

 

NO-ONE will question the debts

nor if they are all true

or

enforceable.

 

that's your job!

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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Share on other sites

Thank you unclebulgaria.

 

I have begun making plans to start a DMP with Stepchange. I'm delaying it by a couple of months so that I can build up an emergency fund using the payments that I would have been making. I'm not going to lie, the idea of making that phone call is very daunting but I have to do it if I want to get rid of this debt. I WILL make that phone call.

 

I really appreciate your advice. I promise I'm taking it all on board.

 

If you have not already spoken to them, it might be worth doing so, before you save up any money. I am no expert on debt relief options, but I know with some of them e.g DRO you can't have more than £x amount saved up. It would be worth you speaking to someone at Stepchange to see what options you have now, rather than leave it two months.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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