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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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Payday Express today - Take it Easy Mag


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http://www.people.co.uk/magazine/real-life/2012/04/15/i-m-trapped-in-a-cycle-of-debt-102039-23822730/

 

Quick everybody , a new name that is public for Payday Express in the link for above article in one of the paper supplement mags today ! :-)

 

I particularly like the bit where he says... "There have been a lot of newcomers to the industry who act unregulated and do not ahere to the strict code of conduct" !!!! excuse moi ! think they need to take a reality check!

 

So Marcus, how do you get justify taking double interest payments?

 

Is this really the Payday Express we know I'll have to keep pinching myself... yeah it's ok you can say I have a vendetta against em! rant over!

 

Hope the name helps someone!

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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Could always send in a reply to that article and let them know what theyre really like.

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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Haven't got twitter though but ha result just found their address so I'll educate them !

 

:wink:

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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no fern don't think there is a connection, but then you never know!Their all as toxic as each other really in one way or other x

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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Just been reading the link.

It is easy to say we are unregulated, but we comply to the same codes of conduct as Credit Card companies regulated by Consumer Finance Association.

So I went on the website http://www.cfa-uk.co.uk/codeofpractice.asp

 

10. It says Offer a modified repayment schedule that will pay down the outstanding debt in a manageable manner for those customers who encounter significant repayment difficulties, and give details of free advice services that can help customers who have financial difficulties or repeatedly delayed or missed payments.

 

Payday Express should read this themselves

 

Not sure whether Quickquid and Payday Express are linked but I recieved a letter from Payday Express & Wonga and on both the envelopes had the same address on if they were undelivered.

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Thanks. I only asked as we have been getting loads of silent calls from Payday Express and then yesterday we got a letter demanding payment of £xxx plus costs and default sums etc and as far as I am aware we have never had any dealings with this company. OH did use Quick Quid. You are right too ---- nothing but bottom feeding parasites the lot of them .....:mad2:

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CFA are a trade body, set up to defend their members at all costs. They are not independent so don't be thinking any investigation (should they decide to undertake one) will be impartial.

 

Their CEO, John Lamidey is a former Director of the Consumer Credit Association - another trade body.

 

Have a looksie at the youtube clip below of Mr Lamidey in action - do you think he is the most appropriate to be heading up a "Financial" institution?

 

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I think my Lamidey needs to go back to school to learn maths as well as how to form a semi decent analogy.

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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CFA is an independant business. Nothing more. Similar to how the BBB is in the U.S.A. It has NO authority or power, and is very easily bought.

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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