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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
      • 162 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

Redress on a Payday Loan


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Hi

 

Looking for some advice. Dont want to give too much information to prevent them from identifying me.

 

I made a complaint to a payday lender regarding the affordability of my loan and the default on my credit file.

 

 

They have responded offering to write off the balance and consider the account settled, remove the default and offer a goodwill credit to my account.

I only ever had this one loan from the company.

 

I have still not paid back the original advance,

therefore writing off the account and a goodwill gesture would mean I only paid back approx 25% of the original advance,

never mind the original agreement with interest.

 

I am a little surprised that they have offered this, and they have advised that I can take the issues to FOS if I am not happy with their offer.

 

 

Now I know FOS takes a long time - but I am curious as to the gesture, I doubt FOS would do anything more?

 

I welcome your thoughts

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obv following the FCA bashing and what happened to Wonga I suspect

 

 

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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How much is the GWG?

 

I think what they are offering is extremely good...

 

It's £175. With that, it does take it down to me paying back 25% of the original advance that was in my account. I think I've already answered my own question, it's good enough to accept rather than go to FOS

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I've had 2 similar offers which I accepted, not including the Wonga write-off. The FOS would only cancel the interest of loans like this, if they found in your favour, so I think the lesson is if you have maybe one or a couple of loans with a company you're complaining to, you should ask for the full debt to be written off, even if you know the FOS would not accept that if it went to them.

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Why would you want to go to the FOS when theyre willing to write it off and remove any and all adverse credit information on your file? I'd be jumping at 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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Why would you want to go to the FOS when theyre willing to write it off and remove any and all adverse credit information on your file? I'd be jumping at them.

 

Hi. This is what I was thinking. It was more because they suggested FOS if I wasn't happy. I was surprised it was such a good offer that I thought I was missing something!

 

I'll accept it. Thanks for your help!

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Hi. This is what I was thinking. It was more because they suggested FOS if I wasn't happy. I was surprised it was such a good offer that I thought I was missing something!

 

I'll accept it. Thanks for your help!

 

They have to include that statement, it appears on all final resolution letters.

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Yep. Youd be stupid not to jump at this.

 

And remember, stay away from 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

:D

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