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

minicredit loan - OPOS have added +£740 collection fees !!!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3299 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 Guys,

 

I have had ongoing correspondence with opos regarding a loan I took out with MiniCredit almost 2 years ago. After repeated requests for them to provide me with a completed breakdown of the claimed debt including charges/fees/interests I have finally received the below. They are attempting to claim £1,187.50 on an original loan of £150!

 

Would appreciate any advice on how to respond. I am sure the Debt recovery fee and attempt fees are unenforceable.

 

Here is the requested statement :

 

Loan reference:

Date issued: 01/09/2012

Due date: 25/09/2012

Loan principal £150.00

Interest £217.50

Overdue charges £80.00

Debt Recovery fee £100.00

Attempt fees (£5 per attempt) £640.00

Total balance £1,187.50

 

Payments received

31.10.2012 £100.00

05.11.2012 £100.00

 

Sincerely,

Derek

 

Thanks in advance guys.

Link to post
Share on other sites

they cannot add anything to the debt ...end of.

 

 

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... 

Link to post
Share on other sites

OPOS is minicredit.

Read this forum.

 

 

They add on a load of fictitious charges,

threaten everything they can,

 

 

then they turn around and say

" oh, we can remove all the failed attempt charges, but the others will stick".

 

 

Pity not one of those charges are enforceable as they are unlawful penalty charges,

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

Link to post
Share on other sites

  • 3 months later...

Hi I have been harassed by OPOS regarding an old pay day loan debt for two years now.

After my repeated requests for them to provide a breakdown of the supposed total I have finally received the below.

 

The balance breakdown we received consists of :

 

Principle : £150

Interest : £217.50

Penalty 1 : £25

Penalty 2 : £55

Attempt Fee : £440

Debt Collection Fee : £100

 

I also requested a statement of all previous payments that I had made, as follows;

1st Sept 2012 - £19.5

31st Oct 2012 - £100

5th Nov 2012 - £100

 

I know that the majority of the charges are unlawful. I am in the process of drafting a letter stating that as I have repaid £219.50 (more than my original loan amount) I consider the account brought up to date. Is there a way I can get debt to be shown as repaid on my credit score?

 

Any help would be much appreciated!

Link to post
Share on other sites

Ignore it. pretyt much all of it are unenforceable penalty charges. And they know it.

 

Work off the basis that you owe the original contracted amount, and original interest. They will never be able to justify late fee's, attempt fee's or debt collection fee'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

:D

Link to post
Share on other sites

old and new threads merged for history of advise

 

 

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... 

Link to post
Share on other sites

Many thanks for your response. The problem I have is that this account is showing on my credit report as outstanding. Is there any way I can get this entry removed/updated?

 

Any advice would be much appreciated!

Link to post
Share on other sites

has it been defaulted

whats the date?

 

 

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... 

Link to post
Share on other sites

  • 3 weeks later...

i also have had problems with minicredit and opos and a £300 loan has turned into £2200 and after speaking to them through the online chat even the person i was speaking to agreed that the charges were high but after asking his manager they refused to lower the debt i offered to pay the loan plus 1 months interest but they refused so told them that i would be making a complaint to the financial obudsman which i have done and they agreed that the charges were unfair and are going to contact opos on my behalf to deal with the situation for me to get all charges removed will keep you all updated of the outcome but if you want my advice complain to the financial obudsman just look what happened to wonga this is what they did and had to wipe out all customers debts

Link to post
Share on other sites

i also have had problems with minicredit and opos and a £300 loan has turned into £2200 and after speaking to them through the online chat even the person i was speaking to agreed that the charges were high but after asking his manager they refused to lower the debt i offered to pay the loan plus 1 months interest but they refused so told them that i would be making a complaint to the financial obudsman which i have done and they agreed that the charges were unfair and are going to contact opos on my behalf to deal with the situation for me to get all charges removed will keep you all updated of the outcome but if you want my advice complain to the financial obudsman just look what happened to wonga this is what they did and had to wipe out all customers debts

 

 

you need to start a new thread

 

 

of your own 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... 

Link to post
Share on other sites

  • 4 weeks later...

that's not the way to do it.

 

 

have you your own thread? opps is your thread

sorry small screen.

 

 

 

 

 

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... 

Link to post
Share on other sites

give em a ring liam

 

 

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... 

Link to post
Share on other sites

  • 1 month later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...