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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
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    • 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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power-ranger vs beneficail finance

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Goodmorning i am new to this site and would like to say 'HELLO'.:)

My selve and my hubby decided to consolidate two loans together and we wanted to know exactly what we had to pay each month on it. So on taking it out with bebeficial finance we explained that my hubby was the main earner and that i was in fact reg disabled.We told them that we wanted it on a fixed term(like on your morgage) we signed the paperwork only to be told two weeks later that they had mislaid the paperwork and that we both had to go back in to resign the new paperwork. Neither myself or hubby had any doubts that they had changed the paperwork, so just signed it. I know stupid, but we just presumed that they had indeed reprinted the first paperwork of again.. But now 7 mths later we had a letter to say that the monthly payment would be going up( inline with the base rate)

i called them and said that the payment should not be changing, as we had signed for fixed term payments, only to be told that in fact the second paperwork was in fact on a fixed term loan , but with varible interest rates... is there anything that we can do?????

I have spoken to the branch manager , but that was indeed useless..All he wanted us to do was to take the loan over further years.Not a thing we wanted to do...any ideas???????

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If you have a copy of the original documents you signed then you might have a case for the FSA to investigate but without any proof that they actually changed the original terms then I think you may well struggle to change the terms and conditions that you have now agreed to!

I will ask for more advice on this and get back to you.

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hi.. thanx for the reply.

I dont think that we have any of the orignal documents as they had to be sent away to the head office to be processed properly. Then about 2weeks later they called us to tell us that the orignal paperwork had got lost and could we pls go and sign the new paperwork. Well we had no reason to doubt them and stupidly presumed that they had just re-printed the same paperwork again...so obviously not, as it now shows.

I have spoken to the manager and he says that all he can do is to redo the loan agin but over alonger period...i think not!!!!!!

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i would also send a SAR to them, they are then required to provide you with all info they hold on you, even though they've admitted they lost the orignal docs something else may shed some light


kind regards,



All advice is offered freely & without prejudice



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