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    • 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
      • 161 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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Happy 5th Wedding Anniversary to me :)


A year ago today a repossession order was handed to me at my front door, giving us until 7th May to vacate.


I waited until my husband and kids were asleep and cried bitterly.


Then I went and threw myself at the mercy of the council.


I did all the right things, house was on the market, handed an N244 form in, but the judge granted possession anyway.


The council put us in a B & B with all 5 kids and I thought I was the biggest failure ever, no business, no job, no home, no hope.


Then, we started a smaller business, running it from my in laws house, and we found a private rental and discovered 'housing benefit'.


I spent months of bitterness, watching as the financial climate worsened and the government started making plans to help small businesses, and people threatened with repossession, railing against it being too late for me.


Then my baby got meningitis in December and with perfect clarity my priorities became crystal clear and some perspective came back into my life. Fortunately she recovered, and I would lose 20 houses all over again rather than suffer another weekend like that.


We're all alive, we're all together. Things are still tough, but we're coming out the other side now. There is finally light at the end of the tunnel.


I think perhaps I'm just putting things in order for me, but if it helps anyone to know you can survive it, and you are not a failure then something good will have come from all of it.


With all best wishes


Rach xxx

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well done rach glad your life is on the up regards PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Way to go girl.


Im really happy for you.



I Wish you everything you wish yourself.


NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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  • 3 months later...

You are so right about the priorities of our life. It is so easy to let money cloud our vision of what is really important. I know that my kids are more important to me than the problems debt creates. In the times when I felt so depressed that I felt I could not go on, I simply put a picture in my head of the affect loosing me would have on them and I knew I could never do that to them. Now I have passed the worst and though I am homeless and my kids now live with my ex-wife, I am making progress in the right direction.

Working to help set people free from debt.

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I am glad to hear that your little one is OK, reading your story did bring old feelings back, I too am OK now but at the lowest point in the small hours when there seams no way out then you can lose perspective. I think the thing about this site is realising that so many have similar problems and you are never alone however bad it gets. Debt is like being in a tunnel eventually if you keep going you will come out the other end.

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