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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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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Wonga...help!


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Evening all, Having a pretty rough time with wonga and got no idea what to do. They have taken £1190.00 from my account today.

 

This was for a loan of £400 taken out 3 months ago. did 2 rollovers wich took it to £850.

 

My hours have been cut at work so couldnt make a payment last month, i rang them to make an offer of £50 a month and they declined this and told me it would go to debt collection.

 

They have been adding intrest at about £150 a week for the last for weeks, I got payed today and they have taken everything!

 

any ideas what i can do?

 

The collections woman said nothing about this when i asked her what would happen

 

cheers guys n gals

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As you haven't cancelled your debit card they will raid your account even if you think you have an arrangement in place - they are ruthless ! Unfortunately you will not get this money back now unless you can convince your bank that the money was taken without your authorisation (not easy, but worth a go) - if you have a Visa debit card you can ask for a charge back as you did not give permission for that amount to be taken from you account.

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Cheers for the reply, are you saying they do this quite a bit to people? i cant believe a genuine company can get away with this..

 

Yes, I'm afraid they do - they set up their system to automatically try and collect money every day until they get what they want - if the whole amount doesn't go through when they try for it, they then try £50.00 at a time. If you read around the Payday loans forum you will see this has happened to lots of other people. The only way to outwit them is to report your card lost to the bank before you let them know you can't pay or before the date they are due to take the payment. You can then negotiate a repayment plan that suits you and pay via bank transfer.

 

Just a thought but dont these people have to leave you money for priority debts, food etc?

 

No, I'm afraid they don't -they couldn't care less if you have no money left - these type of firms only care about getting their money

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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I've had the same thing happen with Wage Day Advance and i did have a payment plan set up with them.

I've spoken to the OFT and they've given me a reference number to get back in touch with them - report Wonga to them too.

The more complaints the OFT get about these companies the better.

I've sent a recorded delivery letter to my bank's visa debit disputes dept stating that i did not authorise the money to be taken. That the amount was incorrect etc.

Awaiting their reply.

I've sent e mails to Wage Day Advance who haven't bothered to reply (wht should they!).

I'm going to take matters as far as possible, not just because of the money but the principle of it.

My advice is to get in touch with your bank for advice asap and then dispute the withdrawel via visa debit - ask them to return the funds.

Good luck

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Afternoon guys, Wonga came out top banana! Just had a fonecall from one of there seniour members of staff.....on his day off no less! they are refunding my money back into my account and have set up an arrangement to pay them in installments

 

Result

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can't help but wonder - all sounds too good to be tue!

 

certainly does

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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I helped a friend out with Wonga, got them to quote the new OFT guidelines that they can't take random amounts out of peoples accounts. Copied everybody I could think of into the email and got a repayment plan set up within the day

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Evening guys, Sorry about the delay on this. I have been working quite a bit!

 

Im not sure what i did that exactly got my cash back but i did send an email round to various parts of wonger including there investors.

 

Had a realy good chat with there collections manager on sunday afternoon and they gave me all of my cash back minus £50 wich is the ammount i have agreed to pay on a monthly basis.

 

Im not sure if i have been lucky or i just got my point accross but wonga have been realy good about this.

 

Damien

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Prehaps wonga are trying to help where they can, set themself apart from all the other payday cowboys that are knocking around. Would certainly make sence. Why wouldnt they accept payment plans from people? i do think they are obliged to realy.

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