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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
      • 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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Lantern/chapman claimform -old QQ loan.


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  • 2 weeks later...

just an update.

i have complained to Quick Quid with regards to not answering my email/question with either a yes or no to the interest charge. and the response i got was they are willing to accept the payment of 25 per month for 6 months and yet again no response to the question asked....any suggestions?

 

cheers

lets

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£1 a month for the life of the debt, end of.

 

They have had plenty of chances to enter into meaningful conversation, as they have ignored your perfectly valid requests, then you can only assume they are unwilling to assist therefore leaving you no alternative but to make the decision for them, and that is now £1 a month.

 

Guarantee they will soon buck up and write to you once they realise they are only getting the legal token payment.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Fully agree. Drop them to a quid. Qq dont do court

They just inflate the debt with unfair charges and sell it on.

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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this is what i have sent

 

Dear Sir/Madam

I have now repeatedly asked for confirmation that whilst I am trying to clear the account at the rate of £25 per month, that there will be no additional charges or interest added to the account.

I can only assume that as this question has not been answered, that Quick Quid are only too happy to add the charges and interest onto the account, thus pushing my indebtedness to Quick Quid even further ( of which is against FCA guidelines), therefore, unless I have confirmation by 6pm on Thursday 28th September 2013, I can only assume that Quick Quid are only too happy to take a token minimum payment of £1 per month.

 

For your reference I have included my last emails asking the same

 

I look forward to your response

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Dear Bill & Ben,

 

My repeated requests for an amicable solution to clearing my account, has been met with silence and your unprofessional attitude.

I have repeatedly requested that interest and charges be frozen on this account in order for me to pay an amount which is both comfortable and realistic to me.

You have continually ignored these requests, therefore, you will now receive the legal token payment of £1 a month for the life of the debt, or until such time I see fit to increase, lower, or stop altogether future payments.

 

Regards,

PRINT NAME

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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had a response all interest and charges have been frozen provided i keep to the agreed £25 pm

a result there for me .

 

ta for the advice all

 

Good as long as you're happy with that, well done.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 4 weeks later...

Check up with them anyway. Just to be sure. Also, is the default notice compliant?

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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the Default Notice has an account number on it that, when checking on the account history on QuickQuid shows that that account had been paid off.

Also looking at the default Notice a further charge has been added to the account dispite being told whilst in the payment plan no charges or interest would be added. "QQ Agreed to your terms originall on 08/09/2013. Interest and Charges were frozen effective that date ,effective to that date. Your balance is £~~~~. Can you please verify receiept of this e-mail"

 

 

just tried a live chat with collection and before it was terminated i was told "You are default, a £12.00 late fee was charged"

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If they have definitely added charges to the account, when they said they wouldn't then IMO, I would drop the payments to £1 a month.

 

When they start spitting their dummy out, you can inform them that they had an agreement with you that they would stop all interest and charges, but faied to do so, so you have no alternative other than to pay £1 a month for the life of the debt.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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an email received from them today....in short not only have they taken of the charges that where on the DN they have reduced the account by just over £200

 

This email is to confirm that your complaint has been resolved.

 

The automatic late fee should be disabled going forward. Credits totaling £36,00 have been applied to your balance. That along with your payment, puts the remaining balance of your loan at £623.44.

While you are keeping with the collection arrangement is in good standing for QuickQuid to forebear in this matter, all credit reporting and pertinent notices required by law are tabulated based the actual contract term.

We apologise for any inconvenience this may have caused. If you have any additional concerns, please contact me directly and as always, thank you for choosing Quick Quid as your trusted online lender.

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  • 8 months later...

Hi All

I thought i would pass this along.

 

I have a repayment plan set up with Wonga, and today I have received an email to say that the payment hasnt be made and that they wanted the full balance inc interest.

 

I tried to log onto my Wonga account, and here is the warning, my log in details failed when requesting the password, I got asked for my card details and my bank account details, this was needed to confirm the password.....i didnt complete it and no details sent..it may seem that they are trying to get the account details of those in a repayment scheme. please go careful as once they have your account details they will try and milk it.

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I suppose the question is two fold

1) Was the payment made?

2) Is it possible that these are just the general security questions that they have on file to reset a password i.e the card and account details you used when you set up the account.

 

If the payment has been made you need to contact Wonga, if not you still need to contact them assuming you are continuing to repay

Any opinion I give is from personal experience .

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Well the payment was made, however as it is now month 7 of the repayment plan they want to review the payments.

so now they have sent a whole new income and expenditure form to fill in.

i have converted this into a pdf which is attached.

 

my point to the statement is that what they are asking is confirmation of bank details, and once confirmed this leaves the persons account with the possibility of it to be fleeced.

especially if like me, all my bank details and card details have been changed so that wonga cannot access the account.

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