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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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CFO Resolve/ Continuing loan offers


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Hi, long story short on here, i took out a loan with CFO back in September. I realised that i couldn't afford this so set about a repayment plan, eventually sourcing one with them (with much pain!)

Since then i have been continually sent various text messages and emails from them.

1. Offering me more money!!

2. Threatening me with phone calls to my office and home (even though i have arranged a plan!)

3. Offering me a CFO Resolve loan/ repayment plan( which obviously i already have)

 

I'm not sure the best course of action here, i'd like to raise this to a higher level as this is incredibly poor from this company

If i complain to them direct i'm sure it will fall on deaf ears, any ideas where to go from here?

Thanks for everyone's help!

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Hi and welcome to CAG.

 

If you WRITE a formal complaint, they have to deal with it. Never phone them-EVER!

 

After 8 weeks, if they haven't resolved the complaint, you can escalate it to the Financial Ombudsman.

 

In any letter to them I would demand in the first instance to remove all phone numbers from their database.

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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Just had this sent by email yesterday...

Introducing CFO Loans….

 

We have listened to our customers and created a product that better suits their needs.

Consolidate your debts with a CFO Loan of up to £1000 with loan terms up to 36 months.

 

Dear ,

We can now offer you our CFO Loan product that will get you out of default with us, improve your score with Credit Reference Agencies and consolidate your debts with our agreed affordable monthly repayments.

We have reviewed your account and the following figures and benefits have been tailored to you specifically.

1) Reduce your outstanding debt by 50%.

We take your current outstanding balance, including all late interest charges of £966.92and reduce it by 50% to £483.46.

2) We can offer you some extra credit as long as it is affordable.

We can offer you up to £515.00which once approved will be sent by faster payment.

3) Set up payment dates and a monthly amount’s thatyou can afford.

Speak to one of our finance advisors and set up monthly payments that you can afford, and pay us back over 6-36 months.

4) Help get your account out of default with CRA’s.

We will advise the Credit Reference Agencies that we work with that you are no longer in default, which may make applying for credit in the future easier.

To apply for the offer pleaseclick here, complete the short form and we will send you some further information.

Our CFO Loan Product has been designed to assist customers who have been turned down by the mainstream lenders.

Representative Example:

Borrowing £1500 over 24 months, repaying £92.72 per month, total repayable £2225.37. Interest rate 41.16%. Representative 49.9% APR (variable)

Kind regards,

 

Payment Support Manager

CFO LOANS LTD

www.cfoloans.com

Call me old fashioned and cynical, but I reckon this is yet another of their tricks!

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yep!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yes, because as soon as you apply for the new loan they will take the money they say you owe out of your bank account (because you will have to give them your details), and then decline the further loan - saying they don't think it's affordable.

Don't fall for it !

Help us to keep on helping

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

 

 

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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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Thank you silverfox i will write to them and air my complaints and see how far that gets me!

davyatsea- i phoned them about this email (of which i have received a number of them) its actually an offer to get a guarantor loan, ridiculous!

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