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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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Another Toothfairy Finance Victim - My way of dealing with the ****


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Go to ofcom and tell them. Make sure you log the calls.. Mhb are ran by oliver larholt. Google him and youll see what hes like. If youll be more determined to get him back after reading.

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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Go to ofcom and tell them. Make sure you log the calls.. Mhb are ran by oliver larholt. Google him and youll see what hes like. If youll be more determined to get him back after reading.

 

I read up on him after you told me - he is a nasty piece of work.

 

Ill report to ofcom - so I guess I shouldnt call them and try to reason with them?

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No point calling although it would cover your back if you recorded it. They are the worst out of a very bad bunch.

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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Ok thats fine. Ill decide tomorrow - I may call just to cover my back and get it recorded and of course ill tell them. No doubt ill speak to a Kirk or Rebecca Franks

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Hi Guys,

 

A quick update!

 

Well i went ahead and filed a complaint to the FO, who then sent out a letter to Toothfairy/NDR/MHB ....Any way after a couple of days i received an email from an operative from web processing loans, to my surprise she gave a more gentle and caring approach to the situation, HOWEVER she still had the cheek to try and add on fees and charges that were laughable on a payment plan.

 

Well i refused and said the most i will pay back is my original loan + 1 month interest + 1 default fee as i made them aware of my situation after that time until they dragged it out whilst adding on more interest.

 

She then agreed to allow me to pay £626, but wanted all at once in a few days not taking into consideration my situation again, i said no i want a repayment plan thats affordable. She then replied with that if i wanted a repayment plan i would have to pay £1100 , although i offered to pay the £626 in 3 payments over 1 month and 2 weeks.

 

 

Anyway last email was sent last week with no reply which said that they had one last chance to agree to my terms or i will send all evidence to FO to compile and investigate my complaint. Well no reply although they were responding within the hour before.

 

In case anyone is in the same boat i suggest going straight to the FO takes 5 mins literally to file a complaint and get a letter sent out from them.

 

Cheers

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TOOTHFAIRY are guilty of misspelling. Their website boasts this - we welcome all customers, regardless of your situation, employment status or income level. You’ll find that we don’t try to tie you in for years, sell you extra products or charge any hidden fees. This clearly shows they don't care if you can afford it or not! A letter offering repayment of the original loan of £400 without interest on the way! ..they want £2400! we must make it not worth their while lending.Here is a free download advise pack with letter writing examples to use and send to any guilty company (which most of them will be) http://www.govanlc.com/PaydayLoanSurvivalGuide.pdf

Edited by savvysaver
wanted to add to it.
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Just use this letter writing guide. Its brill T F are guilty of misspelling as they don't care about your employment status-therefore your means of repaying http://www.govanlc.com/PaydayLoanSurvivalGuide.pdf !

Its not a late payment marker. Its a red D marker that is recurring on a monthly basis - is this correct? So it reads as if I just defaulted this month...

 

Firstly I did pay the amount but was disputing the total amount i.e. the ridiculous charges which shot up to £800 and now to £3k so they defaulted me. Secondly they didnt even send me a default notice or a notice of default which, doesnt hold up im sure as it would be a default, wasnt a default as I had paid the amount just not the £3k which im sure is increasing as we speak.

 

Its annoying because it seems I have no control over my credit entries apart from notices of correction etc. If I "defaulted" in January 2012 why is it continuously appearing for the past 18 months? ie. June 2013.

 

You say theyre in trouble and thats not allowed - how do I complain? I know im venturing on the credit reference agency forum here

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  • 2 weeks later...
  • 4 months later...

Dont mean to re-ignite a dead thread, but just a final update to what i was posting previously.

 

I paid Toothfairy half of what i was supposed to owe them after getting financial authorities involved, however i noticed that they had went very quiet as well as their website 'not working' anymore so decided to stop paying them. No calls, no letters, not a peep, no defaults, no credit record of them what so ever. SO i think they have been busted. :clap2:

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