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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 
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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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    • 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 website down?


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Nao.

You seem to have been delving deep.As I was working a night shift,I did not have the chance to do any searching.

Mr Nazareth seems to have had a colourful past.

 

http://company-director-check.co.uk/director/904968817

 

Adaptive Affinity seems to be a company worth watching.

 

http://www.oft.gov.uk/news-and-updates/press/2011/135-11

 

It is my bedtime now.

 

Regards,John.

Edited by JOHNINYORK
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Well, I don't have access to everyone's Banks statements, so I don't know who paid what unless they put the info in public somewhere.:-)

 

Just for fun, I've found some more connections, this time to another industry through company names like XPLICIT PRODUCTIONS LIMITED and LIBIDO VIDEO LTD, yes, Jonathan Weinstock who was involved with CIM was involved in the adult industry.

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Theyre either moving the website to other servers or redoing them. I wouldnt get your hopes up of them being gone.

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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Theyre either moving the website to other servers or redoing them. I wouldnt get your hopes up of them being gone.

 

They wont be redoing them, as they'd have a holding page. Same for if they were moving them, they'd keep the old domain for a short time to redirect people to the new one. I suspect the server's c**ped itself or something even more fun

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The server in Finland on which the speedcredit webpage is run, is responding perfectly well. That can only mean they have taken the website down themselves.

 

As this was done on a Friday, Gordon Reykdal and colleagues are probably already on their way back home to Finland or more probably further afield to Canada, where they run similar companies. Canada should be save enough to avoid paying 580,000.00 GBP :-)

24/7 Moneybox: 195.00 - Oustanding: 0.00

British Pearl/Spondoolies: 752.10 - Oustanding: 0.00

Cash on go/Peachy: 206.30 - Oustanding: 0.00

EarlyPayday: 325.00 - Oustanding: 0.00

Lending Stream: 1398.46 - Oustanding: 0.00

MicroLend: 780.00 - Oustanding: 0.00

Minicredit: 520.00 - Oustanding: 0.00

MonthEndMoney/PaydayUK: 937.50 - Oustanding: 0.00

MrLender: 715.00 - Oustanding: 0.00

Pounds2Pocket: 2328.00 - Oustanding: 0.00

QuickQuid: 1800.00 - Oustanding: 0.00

SafeLoans: 450.50 - Oustanding: 0.00

Speed-E-Loans: 516.00 - Oustanding: 0.00

SwiftSterling: 1295.00 - Oustanding: 0.00

Toothfairy Finance: 544.00 - Oustanding: 0.00

TxtLoan: 450.00 - Oustanding: 0.00

WageDayAdvance: 670.80 - Oustanding: 0.00

Wonga: 1336.86 - Oustanding: 0.00

Total: 15220.52 - Oustanding: 0.00

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Nah. They dont need a holding page. SC, TF and the other companies have changed hosts a good few times so far, and each time you just get an access denied message, or a standard browser " DNS failed to resolve" message.

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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Has anyone seen this in Credit Today, apparently the OFT are actually visiting the so called offices of the payday loan companies (and NO, OFT spokesperson, Payday loans are NOT the way forward for the less financially viable people)

 

http://www.credittoday.co.uk/article/14428/online-news/oft-cracks-down-on-payday-lenders-with-property-searches

 

By property searches they mean that they are visitng the offices (actual offices) of the industry. I wonder how many they have found to be left wanting!

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I would wait for now as we have no idea what is actually happening.

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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I second renegadeimps suggestion, wait for now, the other account may not even belong to them, it might be something to do with the credit card Capital One, and then you would be stuck.

 

Keep the money to one side as 'proof of intention to pay' should anyone come chasing.

 

You could of course ring the OFT and ask their advice.

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I have recieved an sms today asking me to make payment by today ( I cant do this because there is no website) or my file will be passed onto third parties shortly?, What can i do? there is no contact number the email address wont work and they dont have a website to repay the loan ???/ HELP......

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Hi j862 just ignore it. It's a normal threat letter they use to try and scare you. Just keep hold of the money until there is a way of actually paying them. THey cant and wont do anything to you. They might try and add on charges, but just ignore them as they cannot be enforced.

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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Don't worry, all you owe at most is original loan plus 1 month interest plus inital default fee minus any payment already made, no matter how many thousand pound they try to claim.

 

Plus passing it on to a 3rd party just means they will put a different one of their many names under future emails and texts, so nothing to worry about.

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is there anything i can quote to them to say that they are breaking the law on this one? Surely they'd just tell me to contact PDE - who said they'd just take it off next month's payment - however they have left me short this month by stealing an extra £50 out of my account - their attitude last time was that i owe these companies money so in reality they aren't stealing my money and that basically there was nothing i could do to get the money back :-(

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I take it now their web site is working they will pile on the demands for repayment

 

Hey rippoff no there site is still down. I'm due a repayment on the 19th which they extended for me for a further 2 weeks which was generous of them without me knowing lol.. I have previously taken a loan with them before for 2 weeks to which they state "if you wish to extend the loan you needn't do nothing and we will add the interest on top" a day after the so called we will extend it, I get an Email saying your loan is now overdue pay the full balance now to stop charges and interest adding to the loan etc..

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