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 
        • 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

cahoot loan - payment method in T&C?


willtheywontthey
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5840 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

Have a Cahoot loan and due to excessive charges from both bank and Cahoot when my direct debit would not have enough funds in it so I decided not to give money to my bank (!!) and decided to send in cheques to Cahoot for their monthly amount.

 

For some reason they kept saying I had missed a payment and I said no I haven;t .. I then decided to write in and aks them to explain which payment I'd missed.. they never could give a straight answer - so we went back and forth. I'd send a cheque. they'd send you've missed a payment but not say which one... I'd write and ask... they would nor reply other than say you owe us x amount.. I go on in circles..... they also add in automatic letters in middle of all this communication just to confuse issues - yet again does not say which payment I've missed only amount. I must have written to them 5 letters in last 6 weeks... they reply but do not answer my questions.... I keep sending a cheque monthly... I even ask them by which date I should be paying - no reply. oN and on....

 

Got a letter today which enclosed my T&C (allegedly) - I guess the reason they sent this was either because they had not done so weeks back when I asked for CCA. The T&Cs had the end sentences cut off but basically the letter form Cahoot said that I should look at section whatever where it says payment must be made by direct debit...

 

Oh they also said they had 'deleted' my phone records ages ago and they've been phoning me regularly.

 

Also they have 'lost' two of my letters apparantly - their excuse for not replying it seems ... BUT one of the letters they lost had a cheque to them which they cashed...

 

I replied saying T&Cs illegible send another one.

Basically I would like to know whether they can insist on payment by direct debit.. problem I face with this is that my bank may charge when funds are not available (my fault I know!) but also that Cahoot can deduct 'any' amount they want - they would therefore grab a larger slice which I will have allocated to another company / elsewhere - does that make sense? Then the bank charges for cancelling it.. then Cahoot charge me for it not being honoured....

 

Another question I would like answered is when do I know whether the T&Cs are correct...? At present they look like copy/paste (badly!) into a Word document which has their header and footer on it.. margins all over the place. How do I know whether these 'are' my T&Cs...? It seems they can make anything up and call them T&Cs?

 

My 'alleged' CCA does not mention I have to pay by direct debit...

 

Help!?

Link to post
Share on other sites

  • 2 weeks later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...