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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • If you are buying a used car – you need to read this survival guide.

      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
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    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      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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    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Payday loans...getting out of this mess

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fkofilee

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Another person whos fallen foul of PDLs. Dont worry we can help.

 

Please read this thread; Itll help you understand what I need... You will need to contact Lenders for more information

Once you have it, I can have a guess at what might be the response from the PDL Company if you went for an Irresponsible Lending complaint.

 

 

How many loans per lender did you have?

What dates where the loans?

How many rollovers?

How many reloans?

Which CRA are you checking?

 

We could do with some help from you.

 

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Read the above in the Quote box...

 

How many loans per lender did you have?

What dates where the loans?

How many rollovers?

How many reloans?

Which CRAicon are you checking?

 

We could do with some help from you.

 

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So i need to email each lender asking the above info? Even the ones I fully cleared off. Sorry for questions ive got no experience in this area.

 

Thanks

 

Right, Im here after an SOS Request

 

Most PDLs use Callcredit which in turn has a free offshoot called Noddle, because its supposed to offer Real Time Account Info for Short Term Lending. However this was only setup and subscribed to a few years ago.

Also you have Clearscore which would be a good option to check to which is Equifax.

 

If they did searches and still lent to you even though you have paid off numerous loans in such a short period of time, I would suggest this is Irresponsible lending.

CitB has created a contact thread with info on all the top dogs on the PDL Tree and this is in my signatureicon. Looking at what it shows, I think that this maybe a large case of irresponsible lending especially after so many loans before and AFTER the cap on PDLs themselves.

 

How many loans do you have running at the moment and how many defaults are present across the board?

 

I saw your quote from the thread. This is exactly what happened to me. Ive taken the info from noddle and posted above for the credit checks

 

You will need to contact them for all info. Theres no harm in doing so :)

Just emails them. If they fail, play there hand with a £10 SAR Request for all info.

 

I need to know to help.

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Thats okay, this will be a slow process. Also note i do this Voluntarily and work full time too. So I cant be here all the time.

I will help when I can.

 

Also when you get the summaries; Put it in a better format so its easier on the eyes; IE Table per lender etc

 

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No, Mr Lender should be providing you with a PDF Summary in full under official documentation, not a spreadsheet!

Tell them to do it properly. They cant send you something like that...

 

So Peachy have said that they have given you a repayment plan and passed it off as a loan? This is also unacceptable, it should be clearly stated it is a Repayment plan and not a loan.

 

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PDUK are based in Bicester...

The next step is for me to look at all the statements...

 

Question. Did they do Credit checks on you? If so Screenshot them..

 

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Jesus christ... I can see lots of searches really close together...

 

They should have picked this up sooner... Callcredit do realtime CRA amendments for PDL...

 

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Post #99 Here

 

 

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Might be worth amending it something about more suited to your situation... Its not a one job fits all category...

MYJAR for example, you need to add a small bit about there fees which are above the normal £15 default maximum these days.

 

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I just had these following questions

1) In my case the lenders did credit check so do I mention that they should've seen it I had a lot of outstanding loans when they credit checked me?

2) Money wasn't used for gambiing purposes

3) I was unemployed when I took the loans (was a university student)

4) When you mention input summary of loans do I put the actual documents provided to me by the lenders?

 

 

Sorry was constantly side tracking you..Thanks alot

 

Thats okay... Ill answer your questions NTL...

1) So they did Credit Check you... But they should have seen that you had xx number of loans on the go. The time they gave you these, Callcredit hadnt fully launched its realtime lending platform for Their CRA.

2) Like I said, amend to your circumstances

3) If you were a Uni student then they shouldnt have given you money in the first place. They should have done affordibility checks which included checking Bank Statements and even then they still lent you too much for someone in your shoes.

4) No... Summarise all the loans taken with **x** Lender... Explain all the loans.

 

Amend it accordingly and if you have any questions please let me know :)

 

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I have attached the statement from Lending stream

 

 

 

 

So they did Credit Check you... But they should have seen that you had xx number of loans on the go. The time they gave you these, Callcredit hadnt fully launched its realtime lending platform for Their CRA.

 

 

So I should eliminate the point that "they credit checked me and yet I had so many loans" as you say at that time Callcredit didn't do real time lending updates?

 

 

Again sorry this..thanks

 

No dont remove it because they should still see loans on there.

 

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Posted
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I am posting the loan details with payday uk

 

 

1s Loan was of £220 taken out on 5th June 2015

2nd Loan was of £850 taken out on 29th June 2015

 

 

The agreement for the £850 one states the number of repayments. I have also posted the payment arrangement that I made.

 

I think that this little comment here is prime example of bad practices. £220 in the first loan and less than a month later a 400% (almost) increase...

 

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No its not ... You didnt fully read it... I dont think there was any gambling in your case...?

Read it in full and take out the reasons that dont apply.

 

Also, check my signature. All contact info is in link 2

 

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You haven't been abandoned I promise :p

 

Unfortunately we do this as volunteers and I'm afraid I work full time like today...

I will have a quick look when I can later... Be patient :) We can't always be at everyone's beck and call

 

We could do with some help from you.

 

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Right, Im all in a tizzy as your statements are not in order. I dont have the brain power to figure that all out today :p

 

Can I ask you to Summarize;

 

- Amounts

- Agreement Dates (When Paid To You)

 

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Football... You have a good letter that you can use... But it's not a 1 job fits all... Every lender with every person is different... It depends on how many loans etc...

 

 

One other thing to understand is that we are not always around to help, we have lives outside of the forum.. I have just done 4 x 12 hour shifts in a row and it means that for 4 days I virtually can't help anyone...

 

Why are you stressed?

 

We could do with some help from you.

 

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Yes but what is the status with each lender?

 

How much is outstanding on each account and how much are you paying every month to each?

 

We could do with some help from you.

 

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FP, Im not ignoring you, honest! :)

I get why you are pushing here... But you need to remember that if you let these things get to you, then they will affect you.

 

Away from all this, have you seen or spoken to anyone about this?

 

We could do with some help from you.

 

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