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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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Keep receiving calls from minicredit - all automated voicemails, not an actual person on the phone - telling me to log into their website to make a payment. I took out £200 from them , which didnt get paid back and now stands at £800 something. I logged onto their site before to findout the latest balance, and this shocked me.......

 

"ACCOUNT BLOCKED". So how can I contact them without having to pay for the phone calls.....I cant communicate with them via their site now as they blocked me. Is this legal? Ive tried to make a payment plan but no. They declined the offer of the original amount plus one month interst, and they will also send letters to my house which are addressed to Mr Frazer - not Mr Scott Frazer which is myself...... there are two Mr Frazer's in my house.

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Could you try sending an email - try info@minicredit.co.uk

Whilst I know your frustration be careful with your full name on display on these types of threads - some of the worser sharks (which this lot fall into) no doubt sit on this forum when they should be replying to debtors emails, don't make it easy for them.

 

Also remember they can't get to ridiculous with their charges - see

http://blogs.mirror.co.uk/investigations/2011/09/this-wont-hurt-a-bit-says-payd.html

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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I have been dealing with MiniCredit for several months and they are absolutely appalling to deal with. They have done the same with me regarding the Surname and despite me emailing them and asking them to address their communication correctly they have continued to ignore my request.

 

I have now reported MiniCredit to Trading Standards and the OFT regarding their practices.

 

I have also sent MiniCredit a 1st Class Recorded letter and in this letter I have sent them a Doorstep Collection Notice revoking their write to call upon me at my home address. I have also for the 6th time offered a repayment plan over 5 payments (Originall Loan + 1 months Interest) by standing order. I have requested a full and final response from MiniCredit within 14 days for the purposes of escalating my complaint to FOS.

 

MiniCredit

30 Borough High Street

Greater London

London

SE1 1XU

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Progression......but not in a good way...... The account is now at Fredricksons......... what should I do here? I want a breakdown of the fees incured.....because Minicredit actually added on debt recovery charges via door step collection........this never happened, so why should I pay for that?

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If any one can help, please do reply as I dont know what to do - Freddies want me to pay up via payment plan, but I cannot condone what they have done to me - their charges are shocking. Charges for card payments which they tried to take money, charges for a debt collector which didnt happen............interest....... :(

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hiya, ask them for the information you request breakdown charges etc, dont worry they will try and scare you but dont panic. Only pay what you owe and nothing more. Keep everything in writing and also ask them to communicate with you in writing only.

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  • 1 month later...

Minicredit have forwarded the account to Freddies.........

 

I have told them that I refuse to pay a single penny, as the figure that they have stated is wrong, and that I have been incuring charges for no reason ie Door Step Collection - this didnt happen. I have disputed this, and Freddies are going back to Minicredit to basically get a break down of the account - if this was to ever happen.

 

What next folks

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