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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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Payday loans...getting out of this mess


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  • 3 weeks later...

FOS have requested the copies of the bank statement for all the duration of the loans, when they were taken. I will also provide them with my credit report copy.

 

I also mentioned to them, wonga granted me all these loans when I clearly mentioned to them i am student at that time with no job. They were suprised and noted this point.

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I needed some advice. I complained to payday uk about a month ago (5weeks) still got no response. Should I email the CEO and their customer relations again for the final time or should i go to FOS directly?

 

ICL Ltd (PDUK and The Money SHOP) have been SWAMPED with complaints, and are taking nearly double the 8 weeks to send a response, Someone I know sent a letter off early October and they only got a response back this week.

After the 8 weeks, Go to the FOS. Patience however is a virtue here.

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I thought they have up to 8 weeks for a final response from what I've read on previous posts wait the other 3 week out

 

They do however, they can take as long as they want if there is a valid reason for it, (Reasonable delay)

Id wait it out and throw it to the FOS. Leave them to hang themselves.

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Right, so wait it out for the remaining 3 weeks and then send it off to FOS.

 

I have also sent past bank statements to FOS for the duration I received loans from wonga. I had to SAR barclays as some of the loans were paid in my barclays account that's closed now. Funnily enough wonga didn't really provide me all of the statement of loans that I had.

 

When I looked into my past barclays statement I got loan from wonga for eg in February 2014 but they never provided me with this info. I mentioned this to FOS.

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Good Morning.

 

Just checked my credit file. All the payday loans have been closed except peachy and payday uk. Payday uk shows as UC for two months. Peachy will be closed once the remaining £85 is settled. Barclays partner finance has been ammended and all shows as upto date.

 

Got a letter from payday uk last week sometime stating they have 8 weeks to reply etc. Hopefully i will get a response from FOS this week regarding Wonga.

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Hi FP... I wouldnt bet on PDUK coming back to you, I know someone whos been waiting 16 weeks, yet when they rang for an update, they said

 

"We have it but we are severely behind" Once they get to 8 weeks, send it straight to the FOS.

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  • 3 weeks later...

Another....result.

 

Email from Wonga:

We’re pleased we’ve managed to come to a resolution through the ombudsman service.

 

I can confirm that we have received your payment instructions and are in the process of completing your settlement, amount of £265.27 to bank account , ending .... Please allow up to five working days for receipt of payment.

 

Compensatory interest is subject to income tax at the basic rate under UK tax legislation and, therefore, tax will be deducted at the basic rate of 20% from any payments made to you. If you do not pay tax, you may be able to reclaim some or all of this tax reduction from HM Revenue and Customs.

 

If you are a higher rate tax payer, you may have to pay additional tax on the compensatory interest via your tax return. Please see HMRC.gov.uk for more details.

 

Please see attached file for a breakdown of your settlement.

 

We have also sent a request to amend your credit record to remove the applicable loans from your file.

 

Please get in touch if you have any queries.

 

Kind regards

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Another....result.

 

Email from Wonga:

We’re pleased we’ve managed to come to a resolution through the ombudsman service.

 

I can confirm that we have received your payment instructions and are in the process of completing your settlement, amount of £265.27 to bank account , ending .... Please allow up to five working days for receipt of payment.

 

Compensatory interest is subject to income tax at the basic rate under UK tax legislation and, therefore, tax will be deducted at the basic rate of 20% from any payments made to you. If you do not pay tax, you may be able to reclaim some or all of this tax reduction from HM Revenue and Customs.

 

If you are a higher rate tax payer, you may have to pay additional tax on the compensatory interest via your tax return. Please see HMRC.gov.uk for more details.

 

Please see attached file for a breakdown of your settlement.

 

We have also sent a request to amend your credit record to remove the applicable loans from your file.

 

Please get in touch if you have any queries.

 

Kind regards

 

Hi FP

 

Thank you for the update on Wonga etc....

Im so glad you are doing so well!

 

Alass I have some sad news about PDUK. They are taking a long time (Beyond 8 weeks) to investigate complaints.

If you are at the 8 week period, go straight to the FOS.

 

Please keep us posted.

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  • 7 months later...

Arh that sounds about right fella... :(

Well yes if you can get it to the FOS Great! :)

Lets see what happens and please do keep us updated... Im also doing relatively well :)

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