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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
      • 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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The CSA and Statute-barring

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Not sure if I'm posting this in the right place, but some advice is needed please. (NB - I live in Scotland, where different laws may apply)


I have received a letter purporting to be from the CSA in Hastings (but in fact postmarked Belfast). I am told that I owe the CSA over £15,000. This dates back to an error-strewn assessment they made in 1994, and I have always queried it's accuracy, and have never acknowledged the debt. I have had no demands from the CSA, nor any contact with them, since 1999. Is this debt statute-barred? What limitiations apply? Is the CSA simply mass-mailing these letters, shaking the tree to see what falls out? Have they sold the debt to a collection agency which is using CSA letterheads? My local Citizens' Advice Bureau tells me the debt is statute-barred and that I should ignore all future correspondence, but I'm not sure. I'm self-employed, so I don't need to worry about a deduction from earnings order, but the letter states that the CSA might:-


Freeze my bank accounts (NB - can they do this to a joint account?)

Cancel my passport and driving licence

Force the sale of my property

Send bailiffs to my house to seize goods

Put me in prison


How seriously should I take all this? I've read different views about the CSA and statute-barred debt, I've heard stuff about how they can't touch you of the debt pre-dates July 2000, I've heard all sorts of rumours about how they can only enforce the last 26 weeks of the debt.


This is bad news and really old (the children to whom it relates are 30 and 29 now) Any advice on how I should proceed would be welcome. Thanks in advance.

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no quite correct

sadly it is not covered by statute barring laws



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

as a mum waiting to hear hopefully that theyve finally pulled their fingers out and sorted my claim out yeah the new special claims unit is based in belfast their the ones dealing with my claim theyre a new set up to deal with sorting out mislaid and troublesome claims, and whereby there have been complaints raised against theyre ability to do their job properly and as far as im aware you could be 60 and still entitled to pay backdated for any children. basically they deal with backdating claims back to the original application dates and or the original date they notified you of a claim against you. they are from what i gather the team that have the power to put in place the arrestments of wages passports etc *(i belive without a court order). and the only way to avoid them is to pay up or go for a dna test if parentage is disputed if they cant assess you exact earnings from previous years they can assess based on the minimum amount which i think equates to 5 per week per child.

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