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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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QQ Flexcredit sending me under !


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After years of financial grief I finally got myself in a position where I could breathe.

 

 

I took retirement from work and receive a modest pension, but am still six years short of the State pension.

 

I have had an absolutely awful year, with my other half getting breast cancer and all that entails,

keeping our car going and hundred mile round trips to hospital.

 

 

I ran short of money and I took out a loan with Quick Quid Flexcredit, and now owe them £1200.

 

 

I have used them occasionally for a few years , purely because my bank point blank wouldn't entertain me for a loan,

and I have always cleared the debt (at their huge interest rates)

 

Bottom line is I have absolutely run out of money and really cant afford the £453 instalment they want this month, on the 6th.

 

 

My priority is looking after my other half and keeping the roof over our head.

 

Can I tell them I am in trouble and ask to stop the debt interest mounting?

If I cancel the direct debit, would they accept a lesser sum each month?

 

 

To be honest, I am at my wits end.

I don't care about adverse entries on my file.

Its small beans compared to what we've dealt with this year.

 

Any help gratefully received

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Secure your bank account first so they cant touch your money, then write and tell them that you cant meet the repayment and you want a repayment plan. Draw up a realistic budget summary to back up your circumstances and dont let them dictate what they will be getting.

 

Be polite but to the point unless they start getting cocky.

 

There are templates in CAG's library to help you out.

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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Secure your bank account first so they cant touch your money, then write and tell them that you cant meet the repayment and you want a repayment plan. Draw up a realistic budget summary to back up your circumstances and dont let them dictate what they will be getting.

 

Be polite but to the point unless they start getting cocky.

 

There are templates in CAG's library to help you out.

I have checked the account and they are taking payments via debit card autopay. Any idea how I cancel that ?some of the stories on here are dreadful.

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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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You haven't left yourself a great deal of time so email your bank with the cancellation instructions and if at all possible, speak to them as well.

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Dealing with Customer Service Departments? - read the CAG Guide first

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5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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