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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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Hello and Question Minicredit.


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Hello everyone, I'm new here and have a question to ask about the payday loan company, Minicredit.

 

I applied for, and successfully received, a loan from this company. I have been unable to pay the loan and thus the charges have begun.

 

The thing is this: there is no record of Minicredit sending me a loan agreement via email or post, nor is there any evidence of one when I log in to my account on their website.

 

I am currently in the process of adding this debt to a dmp (through issues with depression, this is one debt of a few) and was wondering what I can do.

I am of course willing to pay back what I owe, but only at what I can afford.

Any answers will be appreciated. Many thanks in advance.

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Hello and Welcome, BlackEyed.

 

I have moved this thread to the appropriate Forum, you should get some help shortly.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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i hope all your debts SHOW on your CRA file

 

and

you've reclaimed ALL PENALTY fees an PPI

 

and

 

i hope the DMP is not a fee paying one either?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Just to update:

 

Got an email from Minicredit saying that my balance currently stands at £352.60 (they have added 25 and 55 to the initial 247, plus whatever interest). I haven't replied to it.

 

I did, however, send an email to them about my mental health issues and how I am willing to pay back the £247 that I owe them and nothing more.

 

I am going to be speaking about all this to my dmp advisor tomorrow and have been referred to a local financial charity by my Mind counsellor.

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Hi,

 

Make sure it's a free DMP company, hopefully your Mind councellor would have advised you of this and please let us know how you get on.

 

Good luck with that.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I have a question:

 

Minicredit did not send me a credit agreement at any time during the loan period, nor does it show up on my account on their website. Anybody have anything to say about this?

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So yeah, I sent this email to them:

 

I writing to complain about the charges you are placing on my overdue loan.

 

I would like to outline straight away that I am of course willing to pay off what owe you - this being the sum of £247.

 

However, your practices do not adhere to the guidelines of the OFT.

To start, you did not send me a loan agreement via email or post, nor does it show on my Minicredit account. I am supposed to have a copy of the loan agreement and you have not provided me with this.

 

Also, I will be forwarding this debt to a debt management company and - again adhering to OFT guidelines - you are not allowed to refuse any payment plan that is offered to you if it is more than I can reasonably afford.

 

I have read stories about your company using to heavy-handed tactics to get money out of people, but being aware of all of these, if you are to threaten any of the actions that I have previously read about then I will make a complaint to the relevant institutions (namely the OFT and the FOS).

Again, I am of course willing to pay back the money that I owe you.

I have been seeking advice for mental health issues which are to blame for my taking out of payday loans - all I ask for you to be helpful in the process of my debt management plan.

 

Unsure whether it was the right thing to do now. I was rather emotional at the time.

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  • 1 month later...

Kaboom!

 

Unfortunately I have not gone the conventional route with these people, so I don't think I will be of any help to anyone.

 

I paid them £100 thus far and they are willing to acceptment settlement of the rest of the debt (around £200 - I have conceded to pay one default charge) by the end of the month.

I spoke to them by phone and have received email confirmation that this would be fine and no doorstep collectors will be coming to my house (yeah, I had one come around but I wasn't in). I told them of my mental health issues and they have stopped calling and emailing me. I also mentioned I would be complaining to the OFT regardless.

My other debts have also been successfully to my dmp, which is another relief. So I think that I am nearing some kind of stability.

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Can you post the wording of the email minus any personal info? The wording of the confirmation must be specific as they are well known for taking settlement, but only marking your account and credit record as part settled. This allows them to sell on any remainder of the debt to someone else who wants some easy cash.

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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The email reads:

 

Thank You for the information!

The payment of £100 is accepted and the doorstep collection is postponed to 30 days. Every partly payment postpones the doorstep collection actions for 30 days. You will pay 203 on 20 july 2012. This will be the full Repayment on your loan.

 

.Kind regards

MiniCredit.co.uk

Client Support Team

 

I paid them today and my account now says that the loan has been repaid. I asked them to close the account too.

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Just an update to my asking them to close my account:

 

As the outstanding loan was repaid today 20/07/12 with a settlement of £303 Your MiniCredit.co.uk account is now closed.

 

 

 

Kind regards

MiniCredit.co.uk

Client Support Team

 

DONE

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Have you made sure that they arent going to pass the remainder of the debt on? You want it Fully settled with no possibility of continuing.

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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Have you made sure that they arent going to pass the remainder of the debt on? You want it Fully settled with no possibility of continuing.

 

I sent them an email asking them to make sure that I wouldn't be contacted any further by them or a third party regarding this debt and the above is what the replied with.

 

They also sent me an email asking to apply for another loan!

 

EDIT: I just called them and recorded the call, asking them to make sure that neither they nor any third party would contact me regarding this debt. The woman on the other end said yes to everything - "there will no contact about this debt anymore" "no claims against you".

 

Chalk it up, I think,

Edited by BlackEyed
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hi i took out a loan and for £100 which £80 went in my bank fell behind due to loosing my job now they want nearly 600 back said they are sendind a debt collector round to my house ???

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start a new thread

 

see below

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Sigs dont work properly in this forum DX :D

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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C
redit
R
eference
A
gencies
:
Experian
Equifax
CallCredit
noddle

 

Sort Your Debts Now - Follow this excellent guide-
here

 

1. Single Premium PPI Q&A
Read Here

2. Reclaim mis-sold PPI
Read Here

3. Reclaim Loan & Credit Card Charges
Read Here

4. The CAG Interest Tutorial
Read Here

5. Feel Bullied by Creditors or Debt Collectors?
Read Here

6. Staying Calm About Debt
Read Here

7. Thinking of a Full & Final Settlement?
Read Here

my views are my own...seek legal advice if ness

NEVER EVER
- act on a private message asking you to visit another website, make contact 'off list' or by telephone

-
alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message -
Particularly if this results in a request to pay a fee to help you.

rather than hittting to be my friend - hit the star

DX

Siteteam

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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