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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
      • 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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Panicking!! Taken out loan with Wonga and Quick quid


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Hi all, in a panic over my finances. I took out two pay day loans due to debt I couldn't pay and I'm now on Job seeker's and realised I have made my situation a lot more worse than it was before. I borrowed £400 from both and payments are due one on the 27th of this month (quick quid) Quick quid want 450 and the other 6th October. Wonga will want 540 or thereabouts?

 

I'm really getting worried. I understand I need to cancel the CPA but have read nightmare stories about cancelling them as banks..I bank with Barclays aren't always very helpful in regards to doing that.

There is no way I can make the repayments and I guess i need to go on payment plan. I just don't know where to start??

Also do I need to close down my current account or is just sufficient to report my card stolen?

I don't want the bank charging me extra on top because there isn't sufficient money in the account which is in it's over draft.

I'm hoping that I can land a job in the next few weeks but it's very unlikely.

 

I have bills to pay and I just don't know how i'm going to manage. My job seeker's is £55 per week, so it's extremely tight. The job seekers does go into a different account, still with barclays but will that make any difference?? Could they still take it anyway?

I shouldn't have taken out the loan as I wasn't exactly employed well I thought I was going to be but then it didn't materialise...... I was over eager and now am suffering the consequences...

I'm desperately trying to land a job to make the payment but doubt i'll be able too...

Any any advice would be much appreciated. :-(:-(

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First of all don't panic. I've been there, done it and got a wardrobe full of t-shirts. First of all cancel the CPA on the loans asap. You need to secure your money in the form of putting it into another account so the vultures can't get to it. Contact them telling them you cannot afford the repayment on the dates and you wish to set up a repayment plan. You tell them what you can afford not the other way round. You may think its scary but these are probably the easier pdl companies to deal with. This is just from personal experience but someone with alot more knowledge will be along soon.

 

Take care and good luck

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Thank you, Citzen and Joeutd. Will get on to that asap. Really appreciate your guidance. :smile:

Will contact Bank on Monday and fingers crossed it will go ok. Nice to see there is legislation to back us up, hopefully the bank won't ignore it!

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  • 5 weeks later...

Hi Wilko, thank fully it all turned out ok. Regarding the CPA that was a bit of a nightmare I spoke to my bank barclays who informed they can not stop the CPA until the loan companies try and take the money from the account after which they can then stop the CPA. I was non stop on this forum researching and reading other people's dilemas. I first contacted Quick quid on live chat and they told me to speak to the collections team. I actually read on a thread for quick quid when you speak on live chat to Antionette she is really lovely and I can completely agree and thankfully she was on my live chat.I just explained my circumstances and they put me on to a repayment plan. I rang Wonga and they told me to go on to the website and click on to a payment plan option and I sucessfully entered an affordable repayment plan. I was so relieved, I couldn't believe how easy it was. I had been a nervous wreck, the past 2 weeks as it was building up to the repayment date and it all worked out in the end. I have to say both Wonga and quick quid were great. :-)

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Wow thats great, im really pleased for you. Im in a pickle myself but after joinin here a few days ago and 'reading up' on how things work im hopeful i can get myself back on track. I too have to arrange a repayment plan with wonga near the end of this month. Hopefully will go ok as its nearing xmas so need to get myself in a manageable position with my finances

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