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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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Hi there,


We had an outstanding sum of £1,100.00 on our council tax bill. Approximately 2 months ago we paid off £500.00 and are able to clear the debt in full over the next 2 or 3 months.


We received today a hand delivered letter stating:-


"start quote"




Payment due in full - 24 Hours


I have attended today with the intention of removing your goods and chattels as are necessary to discharge the outstanding Council Tax Liability Order and any additional Enforcement Costs incurred.


PLEASE NOTE - No further arrangements are acceptable and payment is now required in full by CLEAR FUNDS ONLY.


I will re-attend at your address with immediate effect and may REMOVE goods even in your absence. Should you wish to avoid this distressing course of action, contact me immediately on the tel. number below to arrange prompt payment of your debt.




"end quote"


Can someone PLEASE help us, I'm self employed and am struggling, my partner is in full time emploment and has 2 children "currently" under 16 who are in full time education.


MANY MANY Thanks in advance.



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don't let them in you do not have to let a bailiff collecting council tax into you home no matter what the bailiffs says

he can only gain entry by peaceful means so keep your door locked and your windows closed

if you have a car that is not on h.P. move it out of the street

if you can pay anything try to pay the council on line

have you checked the charges the bailiff has added to your account

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OK so you do not reccomend calling the bailiff and attempting to arrange a plan? I have seen that adivce in other posts but am uncertain whether it applies to our case.


With regards to their charges, I haven't seen any paperwrk regarding those.


We are frankly terrified at what is going to happen.

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if all you have had is one hand delivered letter then all the bailiff can charge is £24.50

you have to phone the council and ask how much the liability order was for

a bailiff has very limited power if they have not done a levy

if they cant get any money from you they will send the debt back to council

you can write to the council asking the council to take the debt back as the bailiff is being unreasonable expecting the full amount in 24 hrs

if you feel you must contact the bailiff either record the call or e mail the bailiffs office

tell them that you are willing to pay x amount but you will only deal with them in writing

phoning bailiffs and debt collectors is never a good idea because you have no proof of the conversation

if the bailiff refuses to deal with you because you wont phone him then send letter to council and go see your M.P.

don't let the council fob you off with the nothing to do with them

the council are responsible for bailiffs actions

if you do e mail the bailiffs company ask for a screen shot of your account

most bailiffs add on charges they are not supposed to in the hope that you don't know your legal rights

as i said and i cant emphasise this strongly enough keep them out of you house and move your car and any property you have in the garden even if its just a spade move it if you have a shed lock it without a walking possession order they have no power

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Thank you so much for the response, very helpful indeed. I will be phoning the council in the morning and will also phone the bailiff (once I've spoken to the council) and immediately inform him that I am recording the call for our records and relay whatever info I get from the council.


Many thanks again - I will keep you posted on developments.

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another thing if the bailiff arrives at your house and you go outside to speak to him lock the door behind you

and ask to see his identification take a copy of his name and his number

(wee tip here)ask to see a copy of the liability order most bailiffs don't have the liability order with them in actual fact the need to have it with them to enforce it

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TSH, don't worry.


Do as I did with Equita. Don't speak to them (they will give you the fright of your life), but print the template letter which is on one of the forums here stating you don't dispute the charge but cannot afford to pay all in one go, but can afford X and STICK TO IT.


Then, pay the Council direct (Equita will not accept your proposal) the amount you can afford.

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Hallo and Vanni...Thanks again for you very valued assistance. I will certainley donate some cash, as soon as I've got this off my back, to help keep this site running.


Many many thanks : - )

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I contacted the council this morning via email with a 2 month payment plan to clear the outstanding amount and they promptly agreed. They confimed the liability to the council and the bill from Equita is exactly the same i.e. Without charges...!?!? Well, if all that has been said to day is true, I now no longer have to hide my car or lock all the doors and windows as I will not be getting another visit from the hulking man beast from Equita.


I'd like to take this opportunity to thank you all once again for your very helpful advice and time spent.


Give it a few months - After I've cleared the debt - And as stated I will donate (even if it's only a few pounds, if we all did that it would really help) to this site.


I can now stop taking the beta blockers!!!


TSH :- )

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TSH, don't worry.


Do as I did with Equita. Don't speak to them (they will give you the fright of your life), but print the template letter which is on one of the forums here stating you don't dispute the charge but cannot afford to pay all in one go, but can afford X and STICK TO IT.




IF you are not sure how how much the bailiff is charging you, you SHOULD dispute the charge.


Find out how much your liability order was for and then see how much the bailiffs have tried to add on. If they have only visited your address once and have not levied on your goods (i.e. made a list of them) they can ONLY charge you £24.50. I bet they are trying to make you pay a lot more than that.! If they are PUT YOUR FOOT DOWN and do not pay their excessive and ILLEGAL charges.


Make all future payments DIRECT TO THE COUNCIL

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I don't know if this will help others, but I was in arrears of £2,000+ with my council tax and phone calls to the council were not helpful, so I made a appointment to see them and they took back the debt and agreed a payment plan. I would advise anyone else to go and see them rather than speaking on the phone to some bubble head, who is reading from a script.

Bailiffs are scary!!!!

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