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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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      • 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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Please help (minicredit)


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Hi all,

Just thought I would give you all a quick update on my problem with minicredit.

After months of hearing nothing they have asked their sister company OPOS Dca to send me a few threating letters saying they will take me to court for the (wait for it) £1340 now owing on my £200 original loan.

These clowns ring me 10-15 times a day, they email me and send me letters.

They all send the same old threats.

After making contact with OPOS in writing disputing this amount.

I'm still awaiting a reply.

I'm still waiting to be taken to court, only been waiting 5 months now.

These people are idiots and don't comply with the law!!

If anything I now find thier empty threats really funny.

Any suggestions on getting rid of these clowns?

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  • 2 months later...

Hi All, Just a quick update on this account. OPOS finally got in contact with me after making a formal complaint to them about mini credit.

I finally after months of emailing them backwards & forwards they finally agreed to settle this account at £400 which was orginal loan plus interest (the orginal repayment due). I requested all documentation mini credit has and a list of all payments, interest and fee's from OPOS which they provided within 7 days which meant i could make my offer.

So if anyone is thinking they will never come to a resolution with these muppets then don't worry it can be done. Just make sure you dispute the amount with OPOS and make contact with them in writing only (i used email as it's quicker). Then make a cheeky offer on the account and keeping working until you both reach a solution that is suitable to both parties. Make sure you get a letter on full & final settlement of your account otherwise they could come back to bite you at a later date!! I am so happy this has gone away and will never ever use a payday loan again!!

Don't despare there is light at the end of the tunnel!!!

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Opos are kitty cats, I got them down from 669 quid to 76.50 in 6 emails by standing my ground. I told them i'm not paying that and they said they'd already contacted my employer because they didnt need permission and would be taking 31% of my wages! Once i pointed out i knew my facts and they needed a judgment to do that they backed down VERY quickly.

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