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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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speed credit


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Yesterday with the sms I hit 0 days with NDR baillifs-nothing. 2 days ago (10th) got a letter from their pals Appleton Massey dated 6th that they wanted the money-that now going to HB too. This Speedcredit/NDR/MH/AM group really are sharks and muppets

 

Read this whole thread its just the same stuff they send everyone, make sure your reporting them.to.oftv

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sent today 11.17 Loan Ref: 15863215 / PCP®13/10/2012Dear Mr ***** This is a reminder that you committed to pay back your Speed Credit Pay Day Loan* debt. This debt is now very overdue. We have allowed you to extend the loan as a goodwill gesture.As part of settling this debt you are committed to paying GBP 96 by 14.10.2012.In accordance wih the Standard Terms and Conditions you agreed to, we will be automatically taking payment tomorrow as agreed. Please ensure the amount of GBP 96 is available by midnight tonight.If there are insufficient funds in the account the payment might fail and all charges will IMMEDIATELY become due, ALL back dated interest, penalty fees will be charged. Recovery Agents will be sent to all addresses we have on file for you in order to obtain payment. Should this also prove unsuccessful we will be liais ing with solicitors who will obtain a County Court Judgement against you. Once this is secured we will return with a Warrant of Execution from the County Court and certified Court Bailiffs to seize goods at 9 times the value of what you owe.IT IS ESSENTIAL you HONOUR this agreementIf you have any questions regarding this, or willbe unable to pay contact customer services NOW.Yours sincerely,COLLECTIONS NORTHERN DEBT RECOVERY0843 381 0843then sent today at 11.19Loan Ref: 15863215 / PCP®13/10/2012Dear Mr ***** This is a reminder that you committed to pay back your Speed Credit Pay Day Loan* debt. This debt is now very overdue. We have allowed you to extend the loan as a goodwill gesture.As part of settling this debt you are committed to paying GBP 120 by 14.10.2012.In accordance wih the Standard Terms and Conditions you agreed to, we will be automatically taking payment tomorrow as agreed. Please ensure the amount of GBP 120 is available by midnight tonight.If there are insufficient funds in the account the payment might fail and all charges will IMMEDIATELY become due, ALL back dated interest, penalty fees will be charged. Recovery Agents will be sent to all addresses we have on file for you in order to obtain payment. Should this also prove unsuccessful we will be lia ising with solicitors who will obtain a County Court Judgement against you. Once this is secured we will return with a Warrant of Execution from the County Court and certified Court Bailiffs to seize goods at 9 times the value of what you owe.IT IS ESSENTIAL you HONOUR this agreementIf you have any questions regarding this, or willbe unable to pay contact customer services NOW.Yours sincerely,COLLECTIONS NORTHERN DEBT RECOVERY0843 381 0843fannybaws all of them

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I love this site. I hope all the people get this sick company toothfairy finance and their cronies off their backs. Its disgusting the way they treat people. I have had loans from them in the past and paid them back after one or two warnings as i thought they would take me to court and ruin my credit rating. If only i had known about this site then. I just wanted to point out that since i have seen this forum i did a little research on these companies. Although their credit licences are active they are actually listed as dormant companies. This means that they are not paying corporation tax as i understand. In addition to reporting them to oft, there must be some way of making hmrc aware that these companies are avoiding taxes. I have inserted a few links so you can see for yourselves : -

 

http://companycheck.co.uk/company/06871092 (marshall hoares bailiffs)

http://companycheck.co.uk/company/06956396 (Northern debt recovery limited)

 

Please please report them. The oft seem to do nothing and even their recent judgements against toothfairy ar being ignored by these loan sharks. There must be some way of getting hmrc involved as they will NOT be able to escape them. They have been trading for almost 6 years and not paid tax so prison is the only outcome for them. In addition i would also like to point out another site.

 

http://grody.me.uk/wiki/blogs/ndrtalk

 

This discussion site will give you a real idea of the people who are behind toothfairy finance and some of the tactics they have used including threatening violence in the past. Apparently Oliver Larholt is a the man behind these companies and as been to jail for threatening a buisnessman with a flare gun. Stand you ground but please be very careful as these guys do have criminal records and it seems they have / or will use more mafiaesque tactics once they have exhausted what they consider to be 'legal' intidimidation tactics. As someone who spent almost a year in a vicious circle of payday loans (i only took one for a bill in early 2011 and i have only just got out of the debt with these companies in march of this year), something has to be done. There is a petition out, 100,000 signatures and this WILL be brougt to house of commons. If you visit the site below, there is a link to the petition :-

 

http://saynotopaydayloans.co.uk/

 

I hope that you guys who money to these people find a way to free yourselves as trust me it can become the most depressing thing (i know this from personal experience). If my understanding of the the above issues are wrong then please inform me as i do not wish to get anyone who is in debt into further trouble. Good Luck.

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Ive finally received a reply from Joesph wengarf, for over a month and i half now ive been sending a weekly email asking him for proof of owning them anything or a notice of assignment for marshall hoares proving they own the account. this was his reply

 

Dear

I am waiting to hear regarding your request. In any event, however, you took out a loan and have failed to repay it. If you would prefer to pay it through Speed Credit then that will be possible. I believe you need to address this point directly rather than getting sidetracked.

 

why should i be paying speed credit if marshall hoares say they own the account, thats more proof that they are all one company, should i be paying anything at all till they provide me with the evidence ive requested??

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I am SHOCKED at how I can log into my toothfairy account (whom i originally took the loan out with), on the speed credit website! Yet, I have sent Joseph a number of e-mails and he is still refusing to reply to me.

 

I point this out to NDR and MHB. MHB reply to me saying Joseph Wengarf is dealing with your file, yet as i said - I try to contact him (in writting only of course), and i don't hear back...

:jaw::mad2::jaw:
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I am SHOCKED at how I can log into my toothfairy account (whom i originally took the loan out with), on the speed credit website! Yet, I have sent Joseph a number of e-mails and he is still refusing to reply to me.

 

I point this out to NDR and MHB. MHB reply to me saying Joseph Wengarf is dealing with your file, yet as i said - I try to contact him (in writting only of course), and i don't hear back...

 

i sent ndr and mh that message quite a few times too that joesph ignores contact, and its taken weeks to get a reply.

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got this reply about 10 minutes after I e-mailed him today! hmmm?

 

Dear thaiboxer24,

You will receive a full response shortly. There has been no breach of the Data Protection Act and I will explain this in due course.

Yours sincerely,

Edited by alanfromderby
:jaw::mad2::jaw:
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Hi tinkerbell,

 

MHB (apparently a certified legit company) is asking if you would prefer to pay a company that no longer has a CCL? Do they not realize Speed Credit is unable to accept payments as a result of this?

 

I would expalin you are taking this to the FOS, request a final response or failing at that wait the 8 weeks, (must be close to that now) :)

 

Explain he has to date refused to acknowledge any requests to investigate the debt as you have informed him it is in dispute, no letter of assignment, suspected breach of the Data protection Act and you are still receiving unreasonable demands.

 

Been following this thread for a few months this has gone far enough, the FOS will sort it on your behalf:)

Edited by Placidbob
wrongess
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What i find funny about the email he sent me is, he says im gettin side tracked even tho im nkt marshall haores claim to own the account so whys he telling me to pay speed credit, hes making it obvious they are all one company

 

they really are full of it and send mixed messages - and use the whole confusion tactic as a way to bully u into 'not contacting them'... i feel really sorry for people that don't know their rights and get mugged off by this circus of clowns!

 

I'm letting our friend joseph know exactly how it is with me and that i WILL NOT be mugged off, and i am also updating the OFT and FOS every time i hear from them

:jaw::mad2::jaw:
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Hi tinkerbell,

 

MHB (apparently a certified legit company) is asking if you would prefer to pay a company that no longer has a CCL? Do they not realize Speed Credit is unable to accept payments as a result of this?o

 

I would expalin you are taking this to the FOS, request a final response or failing at that wait the 8 weeks, (must be close to that now) :)

 

Explain he has to date refused to acknowledge any requests to investigate the debt as you have informed him it is in dispute, no letter of assignment, suspected breach of the Data protection Act and you are still receiving unreasonable demands.

 

Been following this thread for a few months this has gone far enough, the FOS will sort it on your behalf:)

 

 

Hi bob

 

Im over the 8 weeks now as they had my complaint for over a month before they even replied to it, so im gonna get the ball rolling with fos, as joesph wengarf and co are impossible to reason with. I think i have more than enough evidence that suggests theyre all one company. Thanks for the advice bob

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they really are full of it and send mixed messages - and use the whole confusion tactic as a way to bully u into 'not contacting them'... i feel really sorry for people that don't know their rights and get mugged off by this circus of clowns!

 

I'm letting our friend joseph know exactly how it is with me and that i WILL NOT be mugged off, and i am also updating the OFT and FOS every time i hear from them

 

This site and the kind people here has provided me with the knowledge and support to deal with these payday bullies, i do think joesph wengarf is ignorant on purpose

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I think i have more than enough evidence that suggests theyre all one company. Thanks for the advice bob

 

CIM Technologies, Toothfairiy, MCO, Speedredit, NDR, Appleton Masey and Marshall Hoares are indeed all run by the same people from the same location, there are however multiple company registrations and credit licenses.

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It just doesnt seem right that theyve had one license revoked when the other companies are guilty of the exact same behaviour, as its been said before by many on here, that it one credit license per a company or per a person and once one of they companies has had their license revoked revoke the others too as theyre obviously not capiable of running a business as per the oft guidelines

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CIM Technologies, Toothfairiy, MCO, Speedredit, NDR, Appleton Masey and Marshall Hoares are indeed all run by the same people from the same location, there are however multiple company registrations and credit licenses.

 

do we know for sure appleton massey are directly part of them? their website looks pretty genuine? i been dealing with these circus clows for well over a year now, and there are people on this forum that seem to have had dealings with massey and it appears they have not had their loans as long as i have.

:jaw::mad2::jaw:
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These dumbf*@!s really are extractine the urine. Every saturday without fail I get messeage from Marshall hoares (they really should drop the Marshall!) saying we will try payment tomorrow-make sure you have cash or else-payment doesnt go due to situation, they get upset and now Marshall Whores claiming bailifs coming-just sent to OFT now I have finally stopped laughing!!!!!

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thats the usual garbage u get from them...

 

have u gone through the FOS as well? It seems to have pushed their buttons a bit more, though the Joseph bloke that seems to be dealing with all the complaints seems to be like most of the clowns that call you up on the phone...

 

I don't know what it is that I said to MHB, but I've stopped getting e-mails from them every 5 days saying i owe the debt, but i still get phonecalls from them once every couple of days, or if they are really bored they might call me a couple of times in one day of one of their many phone numbers, even though i said to Joseph xxxxxxx that i am not to be contacted on the phone, yet they ignore this lol.

Edited by alanfromderby
:jaw::mad2::jaw:
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yep and there is no chance of it ever going to court, I've managed to get in touch with a former employee of a legal company these muppets once tried to use to enforce a debt and they where pretty much sent straight back home before a case was even opened due to the documents being in too poor condition and violating just about every law and guideline, of course they could have gotten their act together since, but what are the chances of that considering the situation with their mco credit license?

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