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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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Any success for repayment plans CFO?


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Hi please can anyone give me some advice have 3 payday loans cannot afford repayments so have written and emailed them asking for a repayment plan I am worried about CFO lending they have asked for my bank statement having read the above sounds like I don't have to.what can I write to them please (not good with words)? Also can a payday company take money out of my account if I have a new debit card ?

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Hi Robo and welcome to CAG

 

I think you should follow everything that has been said on this thread. It worked didn't it?

 

The one thing I would say is that you must not get another PDL. Simple reason being, a lot of companies have more than one trading name and if you decided to get another PDL, you may end up with the same company who you are in debt with and once they have your new card details, they will raid your account.

 

Have you cancelled the CPA with your bank? They shouldn't be able to charge your new card but wierder things have happened

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hi thanks for reply I do not want to get anymore pdl ever again.as i said I sent CFO a repayment plan and they wanted a copy of bank statement but i don't no how to word it to them ? also having trouble with mr lender as they won't answer emails and letter

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The post by Oceanic83 here:

http://www.consumeractiongroup.co.uk/forum/showthread.php?401842-Any-success-for-repayment-plans-CFO&p=4334986&viewfull=1#post4334986

 

gives you the starting point. No two peoples situations are the same hence no template letter will suffice however, in the library (top left in green) are some letters that can help you.

 

If you want to draft a letter then post it here, our resident (?) wordsmiths can- rip it to pieces for you (not really)-offer constructive advice.

 

If they are refusing you the repayment plan due to you not sending in Private and Personal information, follow the complaints procedure and see what comes back.

 

CFO (who used to be Capital Finance One) are under the Office of Fair Tradings nose and they don't want any more complaints than necessary

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Using a bank account and sort code is (to my mind) a direct debit and you haven't agreed to them taking the money that way so if they do, contact your bank and do a reversal through the direct debit guarantee.

 

I would make doubly sure that the bank are aware of your wishes. (just in case-but that's me being cautious)

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Do NOT give CFO ANY bank information at all. You want THEIRS so you can set up a standing order. No negotiation.

 

Get that CPA cancelled now. Use telephone banking. They WILL strip your account if you allow them to.

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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Hi thanks for advice just so stressed over this I replied to their email last nite but no reply yet.also as I said before I have written to Mr lender regarding my loan with repayment plan but they have not replied just so worried

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Stop believing them. Youa re falling into their trap. If you have proof you tried to contact them and they ignored, then its their problem.

 

As for charges, pretty much all of them would be unlawful and reclaimable as they would be penalty charges.

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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Please understand that they can add as many charges as they wish. You just won't be paying them. They are not lawful anyway. Your credit file is royally screwed anyway so what more can they do. Concentrate on what you owe, not what they say you owe.

 

If they were stupid enough to try and take this debt to court with added charges that were not a true reflection of their actual costs, the claim can be defended. There are many cases where companies have backed down on receipt of a well drafted defence

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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  • 2 weeks later...

Hi any advice please I have still not heard anything from CFO lending about my financial problem and my repayment plan I offered them.its been 2 weeks now but all I get is text messages every day saying that I can now have a top up on my loan.what should be my next step

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Have you read all the post about CFO. They are known for emptying your bank account!!!!!!! I was one of those people lucky enough I got bank to refund the money and in a battle with CFO at the moment as there terms and conditions state they have to give notice to account holder first. I would look at changing your bank

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Hi, am currently having the same problem with cfo. trying to set up a payment plan i have offered them a reasonable payment each week to pay off my loan but they are refusing to set up a payment plan until i send them a bank statement. dont really want to send them this so have told them 3/4 times i wont be sending one. was just wondering what route to go down now? just wondering what your complaint consisted of so i can get one written up my self. thanks

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Keep at them and tell them the letters now constitute a formal complaint.

 

This starts the timer for when the fos can get involved and it will cost cfo a non refundable charge of £550 just for the fos to investigate.

 

You might also want to complain to the oft that cfo are in breach of oft guidance for not taking your financial situation into consideration

 

Regarding bank statements, they are not entitled to it. The only thing you should provide is a basic I&e.

 

If you really want to annoy them, get it notarised.

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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Any advice still no reply from cfo lending about my repayment plan but EVERY DAY I get text messages from them saying that they have reveiwed my account and increased my credit limit.surely this must be harressment

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Not harassment but a blatant breach of oft guidance.

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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If you have been rolling over a loan with CFO then they will have added interest on top of interest thus making their published interest rate incorrect. You need to tell them about this and that you are reporting them to the OFT.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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cmc, I am going to move your post into a thread of its own I will pop a link back here and also by private message.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?406763-Capital-Finance-One-help-please

 

Link above for cmc.

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