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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
      • 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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Wonga - How much effort do they go to?


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Defaulted on a Wonga loan in July 2010, sent a letter saying I couldn't afford to pay anything at the moment and never heard anything until this week.

 

They've now offered a ridiculously small amount per month repayment plan which would take 20+ years to repay.

 

Are they setting me up in some sort of trap here? To be honest these guys are not high on my list of creditors so I'm wondering whether it's better to just sit it out and see if they take me to court.

 

Do they get nasty? it seems strange they've left it a year in the first place.

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If you want to take up their offer set up a pre paid payment card to use for them, will stop them getting their hands on your bank account.

 

You need only pay the original loan amount and one months interest, not their guestimated amount and all the default/collection/legal fees, interest and charges they may want to add on.

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  • 8 months later...

They dont need to let you know its being passed to a DCA unless the DCA has bought the debt. Remember, DCA's have no legal powers whatsoever. They know it, the Original Creditor knows it. They just hope you don't. Thats why most DCA's are normally the Original Creditors just using a different name.

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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Yeah thanks, just thought it was weird that I haven't heard a peep from anyone about it! Sorry, didn't mean to hijack the thread, was just wondering how the OP got on......

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I had the same thing with wonga, heard nothing for over a year... then a letter, then another from their debt collectors... told them to bog off, then it was passed to another and so on....

 

I would pay this, but they refuse to negotiate. They tried telling me I had arranged a payment arrangement after I had defaulted !! Yet I was in hospital at the time, so pretty impossible as I was on 6ltrs of oxygen for over 2 weeks ! lol

 

My original loan was around £700 I think and they they want nearly £1700 !! Dream on, take me too court.... PLEASE :)

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I had the same thing with wonga, heard nothing for over a year... then a letter, then another from their debt collectors... told them to bog off, then it was passed to another and so on....

 

I would pay this, but they refuse to negotiate. They tried telling me I had arranged a payment arrangement after I had defaulted !! Yet I was in hospital at the time, so pretty impossible as I was on 6ltrs of oxygen for over 2 weeks ! lol

 

My original loan was around £700 I think and they they want nearly £1700 !! Dream on, take me too court.... PLEASE :)

 

Hope you sent a complaint to the OFT with as much info as you can. If they ever did take you to court, you can show a judge exactly what theyve been up to, including blatantly lying so they could add on charges.

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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Hope you sent a complaint to the OFT with as much info as you can. If they ever did take you to court, you can show a judge exactly what theyve been up to, including blatantly lying so they could add on charges.

 

 

Arhh, I just ignored the idiots after offering loan+ 1 month and them refusing. :)

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Ignore their letters in regards to contacting them but you MUST get the letter or copies of them in a full complaint to the OFT. Otherwise theres no point you being on this forum. You're just allowing them to continue unabated and do it to you and other people.

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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