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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 
      • 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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Minicredit: better than sex?


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Hey folks I made a post a little while ago on the wonga forums detailing the trouble I had with them! Basically I have three outstanding loans with Wonga, Toothfairy Finance and Minicredit who apart from Wonga have been a nightmare to deal with.

 

After a few months(and some help from these forums) I managed to get a Monthly repayment plan with both Toothfairy and Wonga (Wonga being significantly more helpful). Mini credit however have been well....like a living incarnation of hell. The amount I had to repay was £150 this obviously increased when I defaulted and is now at £340. The loan was actually up to £498 yesterday but they charged both of my bank cards and took everything I had. They also did this last month and took £75 and £25 from my account without me knowing netting me a lovely big bank charge.

 

Being a student I dont get much money but the money I do get has been taken from me meaning I cant pay Wonga and Toothfairy the Monthly installments I also cant pay my phonebill shucks I cant even afford toilet paper! The monthly repayments are due on the 10th and I've already reported both TF and Minicredit to the OFT and Trading standards. What I'm asking is do I have any rights here? I mean surely Minicredit cant just keep charging my card every time I get paid for the rest of my life? Isn't this covered by the banks fraud department and I can possibly get my wages back?

 

Love and kisses:violin:

The skint man.

Edited by Raghnall
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If they took it by card, go to your bank and tell them you want a chargeback for the money that was taken.

 

Honestly, the only way you can avoid this happening again is by getting a new bank account. I know you probably don't want to hear that because you've probably got a student OD attached to this one, but they'll be taking money for as long as they fancy as long as they have your details. As far as a payment plan, why should they negotiate when they can just take what they like?

"Then they came for me--and there was no one left to speak for me". Martin Niemöller

 

"A vital ingredient of success is not knowing that what you're attempting can't be done. A person ignorant of the possibility of failure can be a half-brick in the path of the bicycle of history". - Terry Pratchett

 

If I've been helpful, please click my star. :oops:

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  • 4 weeks later...

With Wonga you can request something called Hardship. It puts your account on hold whilst you sort your money out. They left me alone for 38 days. It might be worth requesting so you have more time to focus on minicredit.

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