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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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Am new registered today tho have been peeking thro the pages for a few weeks now.


So a Big Hello and thank you to all those who have put so much effort into creating and maintaining a very useful and informative site.


To be honest I never actually thought I would need help of this nature, being one of those people who tend to try and battle on their own but events over the past few years have culminated in my having some sort of mental breakdown which lasted almost 2 years, whereby I refused all medical help (i.e. drugs) and was left to cry copiously almost every day during that period.


Well now the tears are almost all dried up, I have come to terms with loss and am now awake to the facts that I am in some serious trouble which probably would not be so bad if I had been able to cope with it all several years ago.


The most instant one is a CCJ Summons which I received a few days ago and to which I have copied the standard letter as shown elsewhere on site and intend to go all out asking for information about this debt.


However my problem is that I really do not remember much before my mental breakdown and its been a long slow process, ongoing, trying to figure out who I owe money to and how much.


I am on Income Support, I look after my disabled adult son and younger daughter. There have been so many circumstances involved in my accruing so much debt that I dont know where to start.


Also I am worried about posting on wrong forums so I shall try my best to read through as many pages as my brain can cope with and just wanted to say 'Hello'.

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Don't worry. Just try and sort through your finances and work out where to start first. Usually the most expensive and the largest. Just deal with as much as you can at the one time.

Deal with the ccj summons first.

Any questions, just ask.

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Hello Awakenow.


You've certainly made a good start by posting here. There are lots of people around who will help you through this and you've done the right thing by sending the letter asking for further information.


Very best wishes to you and your family - you'll get through this :)



Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.


All in all, quite busy at the moment and enjoying every minute of it




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