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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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SSP/Bank holiday pay/deductions from wages

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Hi all,


Currently on long term sick I have been receiving SSP only since November. My contract gives x days paid leave plus additional paid bank holidays.


Obviously over Christmas there were three bank holidays. Can anyone advise whether I should have been paid full pay for these days? I queried this and was advised that no I wasn't entitled to be paid for them. However as these bank holidays are paid days and over and above any annual leave but have to be taken on bank holidays ie they can't be carried over like my normal unused annual leave allocation can where do I stand here?


I do know there is no statutory entitlement to paid bank holidays (I think anyway) but it is written in to my terms of employment?


Also, I know where retail workers are concerned any deductions from pay cannot exceed 10 per cent. I don't work in retail but had a deduction of 30 per cent taken off last month. This was an ongoing deduction of £115 a month which was taken off still despite my pay having been drastically reduced due to my sick situation.


Thanks in advance.

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As a rule you can not be paid holiday as well as sick pay. So your company is right and you are not entitled to them.


Where did you get this about the 10 % deduction? never heard of it and as far as i know there is no such ruling.


Retail workers do have some extra rights ( not being forced to work sundays etc ) but this is a new one one on.

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thanks for the reply. Not sure if I can post links but this paragraph below mentions the 10% thing



Deductions from Wages

An employer is allowed to make certain deductions from an employees wages, which include Tax & NI, attachments of earnings, authorised third person payments without prior written authorisation from the employee.

Even if the employee owes their employer money, repayment of a loan for example, and fails to pay it the employer, without specific written consent from the employee, can not just deduct it from their wages.

There are certain payments that are not classed as wages, which include advances, redundancy payments and compensation.

A retail shop worker may have a maximum of 10% of their gross wages deducted to pay back cash and stock shortages following written notification.

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Ok so what is the deduction for? If its stock or cash shortages then you might have a case. Was it a one off deduction of £115 or is it ongoing?

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Just to clarify again - I dont work in retail so that doesnt apply to me but I'm wondering if rules do apply generally in respect to how much can be deducted from wages.


The deduction is ongoing. It is a repayment of an interest free loan which I have disputed via a grievance since I never agreed to it in the first place (long story I dont want to raise on here ) . Since I raised the grievance a couple of weeks ago this payment has actually mysteriously stopped; it didnt appear as a deduction this month ..well it did, 2p was deducted instead of the usual £115, but it was still deducted for a couple of months whilst I was starting to receive only SSP?

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It’s hard to help without details really, if you like PM me the details and I’ll help all I can.

There is no hard and fast rule concerning deductions unless you signed an agreement?

I would agree that taking the deduction while on sick would seem unfair.

Have you had a grievance meeting yet?

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