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      If you are buying a used car – you need to read this survival guide.
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    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      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.

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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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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

PDE and repayment plans

Estane
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renegadeimp

renegadeimp

Posted
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Prob lies. So they can make money off the interest. As for barclays the recent cntroversy proves what kind of bank they really are.

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

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Estane

Estane

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Figured as much. O2 service is back up and running, so I've got the FOS form heading to me via mail next week. All that's left to do now is sit back and relax whilst wheels go a-turning.

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  • 1 month later...
Estane

Estane

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Took them a couple of months, but the Money Shop have now jumped on the bandwagon trying to get in touch with me over the phone despite the communication preference template letter I sent to PDE. They don't even have my correct name.

The fos want records of any contact the business makes whilst the investigation is ongoing, so another email sent to them today. Should have a final decision from them in a few more weeks.

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  • 3 weeks later...
benno79

benno79

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Hi,

 

Just a note on repayment plans. I also have repayment plans setup with wonga and paydayuk. They are due on the 1st of the month. Therefore I assumed if I was using faster payments and it would be in their bank account within 2 hours it would be fine to pay on the 31st.

 

Not according to the pdl companies. Despite it being in their account within 2 hours they can take up to 5 days to credit the payment to your account. Therefore they started hassling me on the 1st saying they hadnt received the payment.

 

They back down once they have it but I don't see why we should suffer just because it can take up to 5 days for THEM to credit our accounts.

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renegadeimp

renegadeimp

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They say it takes 5 days because in their world, it takes 5 days for their system or most likely a rep to track down the payments and allocate them. Plus they would gain interest, and would probably move it to a different account.

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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  • 3 weeks later...
Estane

Estane

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Another update, shouldn't (hopefully) be many more now :

 

FoS have completed their investigation and are just waiting on a final response from PDE, which the lender is dragging its' heels over. PDE were, however, quite happy to send me a text at 8.20 this morning to say that a default was being registered against me. Lovely wake up call. They provided a number to 'discuss how we can help'. Are they able to do this whilst the dispute remains unresolved?

 

UPDATE : And another one, literally, as I'm typing this. It all seems a bit bit desperate from my perspective.

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renegadeimp

renegadeimp

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Make sure you tell the FOS that you are getting texts. Im sure theyll be interested to know why the lender isnt listening to them and still harassing you.

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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Estane

Estane

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Results are in. PDE have agree that they have treated me unfairly by : ignoring messages that said I couldn't afford the repayment, adding interest back in May when they should have accepted my proposed repayment plan, and that they should not have continued contacting me via telephone/text after I expressly asked them not to. They've agreed to reduce the outstanding balance by a significant amount provided I can stick to my original proposal.

 

The only niggly issue is that their total from which they've subtracted the reduction does not take into account the fact that £60 in interest was added when it shouldn't have been. I'm waiting to hear back concerning this particular part, and the small matter of them still sending texts (apparently a system upgrade...they take two weeks now?)

 

Will probably have to wait a week or two for this final response as my particular case worker in on annual leave until mid-october.

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renegadeimp

renegadeimp

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How much is their repayment proposal? Remember, you only owe initial loan + interest + 1 default sum, minus what youve already paid. Dont let them try and add any more on.

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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Estane

Estane

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They want to settle for £120, they've taken off £180, initial loan was 240, plus interest for 1 month takes it to 300. But that's the point of contention, I'd already paid that interest off.

So it's either going to be 120, or 60 depending on how that goes.

 

It would have been so much easier for them if they'd just settled in the first place...

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