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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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 162 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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Credit Rating if Partner Moves In?!!

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Dear CAG users,


I was wondering whether I could ask advice on behalf of a friend.


My best friend has managed to keep an excellent credit rating (even through tough times) and this is something he is obviously looking to mantain.


However he is considering moving his Girlfreind of 2 years into his property, she unfortuantly has a poor credit rating.


He was wondering whether the girlfriend would automatically be associated to my him (via the credit agencies) thus severly affecting his own rating?


Any advice greatly recieved!!! The girlfriend is also having some serious benefit issues but I shall put that on a separate post.


Thanks Everyone...

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I've always been told that information is only viewable that applies to the individual applying for credit.


IE if the best friend applies for credit or other services (solely in their name) that require a CRA check then only their history will be seen. This would change however if in the future they applied for joint credit with their partner. Then all information relating to both individuals would be assessed.


Some credit agreements would also form a financial link to their partner, again this would allow some creditors access to both their financial standings before making a decision.


I'm sure the above is relatively correct, maybe missing some of the more finer detail?

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No problem,


I have just moved in with my partner who has an A1 credit record, whereas I have a CCJ and a default on my credit file.


Partner has voiced their concerns that if I make further slip-up's their house will be 'blacklisted'. This doesn't happen, an individual keeps their own credit rating (until a time that a joint application is made, or a financial link is created).


(Of course, CIFAS can affect applications and registrations can be made in any name and would still show up, but unless the partner is looking to make strings of dodgy credit applications it's not worth the worry).





In theory the partner could rack up another dozen CCJ's (all being solely in their name) and as long as no financial link is created (easy to do, just keep credit in separate names) the friend would still retain their clean credit status.

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