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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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Taking Control PTP

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Having unfortunately found myself in need of these organisations services and paying ridiculous amounts of interest, which then again kept me having to go back to them, I decided enough.


I stopped paying them.


Thanks to this forum.


I have received the obligatory mammoth charge at this time, along with the numerous phone calls.


Today's call was fun when a colleague transferred the call to me, to whit, the originating caller stated.


"Its x.y.z from PTP, are you John Smith."


I replied, yes, I'm John Smith.


"Hi, John Smith. For Security purposes, what is your date of birth"


I replied, I'm sorry, I do not give out personal details on the phone.


"But its for data protection, etc.etc." replied PTP goon.


To which, I replied, "Given that you are asking for my data, then

my data is protected under said act"


Goon, replied," As a debtor you have no data protection".


At this point, red mist and I hung up.


An E-Mail with the usual £58.00 charge applied came forth, to which I have sent a cannot afford it reply.


I fully intend to pay these people back, but not under their illegal terms.

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Hi there,


sorry this might be a "teaching you to suck egg's" momement but have you considered refusing to speak to them on the phone and keeping everything as written form incase things get nasty?

Please sign this petition - Asking for the government to drop the length of time credit ref agencies can hold data on us!!





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PTP will soon lose interest and pass to DCA probably Clarity. These people are not bad compared to other DCA's. They will probably offer you a reduced settlement figure or accept £10 per month ( if that's what you can afford). Either way I would make them whistle for their 'unlawful' £58.

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Oh my word.


They are the pits.


I am still trying to negotiate a repayment plan with them after two weeks. It took less than 24 hours with the other three companies.


I am still getting calls from one of their muppets asking if I can pay back in full by the end of the month.

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I got an E-Mail reply from PTP, which is as follows:



Thank You for your email.


Unfortunately for you, your payment proposal is not acceptable.


The funds were issued to you in good faith and were due to be repaid on the

30.4.09, as agreed in the loan agreement you entered into.


As per the terms & conditions of the loan agreement, Pounds Till Payday do not allow rollovers, extensions, payment plans nor payments in installments. The loan is issued on a maximum 31 day loan period.


Being you have defaulted on your payment, your file has been issued to me as your Account Manager.


As your Account Manager, I can hold on to your file for a maximum of 4 weeks to

resolve payment.


You have a final deadline of the 5.6.09 to make full payment of £708.90.


Unfortunately, if full payment is not received by the above date, your file will

be escalated.


This may result in being passed to a 3rd party Debt Collection agency called

Clarity who do operate a door to door collection service, they may list your

details with a credit rating agency and further charges may also be applied to

your account.


Obviously, I do not wish this to happen to you Derek and sincerely hope we can reach a negotiation and resolve this issue.


Once your balance is cleared by the above date, you will be able to reloan



I look forward to your response.




"PTP Name Here"

Account Manager

0800 234 6955 ext:6030


I particularly like the "unfortunately for you" part.......

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DT North


Excellent. I would ignore them. You have 4 weeks before you need to consider a revised payment plan. I would make it substantially lower than the one you have offered so far.


Clarity will not be at your doorstep. I have never spoken to them - just correspond by e-mail. They seem more than happy with the monthly tenner I am paying them.

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I am still at the "Account Manager" will call for a weekly update despite the fact that nothing has changed at my end.


They love reading from their scripts don't they?


I also had him telling me that their debt collectors operate a "doorstep" service.


Could not be bothered to explain the legalities of that to him, he does not sound very bright.

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  • 4 weeks later...

At last.


Finally got my Clarity referal.


They are asking for £708.00 for an overall bill of £650.00


This is what PTP asked for after applying there "Charges".


What could I say to clarity to state that I have no intention of paying this ludicrous charge, but I am quite happy to repay the £650.00.


Many Thanks

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  • 10 months later...

dtnorth or somebody, can I have na email to any Account Manager from PTP? My english is not perfect and I hate talking via phone. Poeple from customer care are saying to contact by phone, how I see is other better way by email. Money should be taken tomorrow and I need quick help

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  • 3 weeks later...
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