Jump to content

  • Tweets

  • Posts

  • Our picks

    • 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
      • 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
        • Like

Buchanan Clark and Wells/Cabot Financial

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5985 days.

If you need to add something to this thread then


Please click the "Report " link


at the bottom of one of the posts.


If you want to post a new story then


Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 



Recommended Posts

Hi can someone please help!! I have received a letter from Buchanan Clark and Wells on behalf of Cabot Financial Europe demanding I pay them £689.22 immediately. The letter is addressed to me in my married name which I haven't used since 2000.


Does anyone know anything about either of these companies that can put my mind at rest. I live alone with my son and the last thing I want is for someone to turn up at my door.


I have absolutely no idea what this is about - should I write to them or just ignore them. Any help and/or advice would be greatly appreciated as this had really scared and upset me.


Thank you

Link to post
Share on other sites

Send them a letter saying you are writing on behalf of the Man in the Moon demanding they pay YOU a shed load of money.


No seriously, write to BCW telling them to prove you owe the money or to crawl back under their stone. If the matter goes back to 2000 it is well over the statute barred limit and they are chasing, at best, an unenforceable debt.


If they don't come up with any proof that the alleged debt is live and collectable and they persist in making demands then make a complaint. First to BCW and if you get no joy there make it to the Financial Services Ombudsman. He'll demand about £400 from them just for a visit!

Link to post
Share on other sites

Hi dboy, first of all try not to worry, you are not alone. I am currently dealing with BCW, its early days yet and so far they just keep sending threats of legal action. I'm fairly new on here and learning as I go along, but there is a lot of very good advice and some very nice people on CAG so I'm sure someone will be able to advise you. good luck.

Link to post
Share on other sites

Thanks Dorset girl - thats really encouraging. I've really got no idea why they are chasing me or what this "debt" is. I got divorced in 2000 and reverted to my maiden name - I also changed my name on all credit agreements so I'm at a loss with this one!! I think I'd rememer if I owed someone £689!!


Will keep you posted!

Link to post
Share on other sites

Hi, seems I am not the only one being harrassed by Buchanan Clark & Wells. Out of the blue I received Formal Demand, followed by a Final Notice, then, today, a Legal Notice all for the sum of £181.18 which they allege I owe to E-ON (formerly known as Powergen). The first notification was the Formal Demand dated 23 January 2008. I have replied to each of their communications, without a response from them, firstly I requested how this debt had arisen, and denied owing anything, but all I receive from them is yet another Demand. I do not know how to deal with this, and help would be appreciated.

Link to post
Share on other sites

Hi Blackbelt - I've written to them today, using the advice given above asking them in no uncertain terms to provide proof of my so called debt. I have given them 7 working days to provide proof or I will be seeking legal advice and reporting the to the Financial Services Ombudsmen. Having searched around on this site it seems that communication isn't their strong point so I doubt I'll hear anything. What is really bizarre about my demand is that it's addressed to my maiden name which I haven't used for 8 years!!! As Dorsetgirl has adviced to me above, try not to worry!!

Link to post
Share on other sites

The seven day limit is fine as is the line about taking legal advice but reporting them to the Financial Services Ombudsman is still some way off.


They, BCW in the first instance, have to fail to provide you with the information you have asked for. Then you must make a complaint to them and allow them eight weeks to resolve it to everyone's satisfaction. If they don't then the complaint goes to the FOS.


Don't get carried away, one step at a time and there's help all along the way on here.

Link to post
Share on other sites

Many thanks to dboy7800, will send off my letter following your advice asking for proof of debt and giving them 7 days to respond before seeking legal advice (although I will not hold my breath on receiving a reply in view of past experience with letters going unanswered)

Thanks also to Nail Post, I note what you say with regards to the Financial Services Ombudsman and will hold fire on communication with them.

Link to post
Share on other sites

  • 2 weeks later...

I have received a response from BCW this morning in reply to my recorded letter requesting proof that the alleged debt is owed by me.

Their letter reads: "I can confirm that I have arranged for a copy of the invoice to be sent to you directly by our Clients. This will be with you as soon as possible"

Any suggestions on my next move ?

Link to post
Share on other sites

err I dont quite understand what they mean by a copy of the invoice? I take it you asked them for a copy of the CCA all signed and dated, like I said in previous post just wait and see what turns up

Link to post
Share on other sites

Thanks for your reply nblaen - my letter was not asking for a copy of the CCA, due to the fact that it was not covered by Consumer Credit Act, believe it must refer to energy supply, this being the only thing for which I have been involved with Powergen.

I sent a letter which I found on this site, which covered my case, basically stating I have no knowledge of any such debt being owed, pointing out the OFT Guidance, and no further contact be made by them unless they provide evidence as to my liability.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?

  • Create New...