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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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And the winners Are: Crudit Toady Awards

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Credit Today online


Credit Today 2009 award winners announced - 15/05/2009


Congratulations to the winners of the 2009 Credit Today Awards. More than 70 companies across the industry were shortlisted for the hotly contested prizes, which were presented at the Grosvenor last night by comedian Dara O’Briain and CT editor Heather Greig-Smith.


The winners were:



Consumer Collector of the Year

Tracey Bailey, collections negotiator, Lowell Group ; O' My God

Sponsored by Experian



Responsible Lender of the Year

HSBC - Hahahahaha

Sponsored by Cabot Financial

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What, no 'Dodgy Peer of the Year' award

Sponsored by Experian


Nope just the you scratch my back and I scratch yours award


Sponsored by Lord Myners and Fred the Shred

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Tracey Bailey, collections negotiator, Lowell Group ; O' My God



Well, that says it all.


Must have been Lowell's turn this year. Looks like they may well continue their winning streak and be next up for the 'You're in the sh*t award' from the OFT.



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I would suggest that any 'celebs' who intends to host one of these corporate circle jerks be invited to visit CAG before handing out the gold plated sink plungers.

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Consumer Collector of the Year

Tracey Bailey, collections negotiator, Lowell Group ; O' My God


:-olost for any words that would get pass cagbot:mad:


would suggest a spelling mistake surely it should to BULLY not bailey



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A very sad award to receive in this climate, I hpe these awards are 'trimmed down' next year.


Corporate Responsible Lender of the Year Award - would that come under the category of "We only take people with top credit ratings and stitch them up with fees...."

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The fact that the CRA's feel the need to sponsor this event just show what the public is up against & were their priorities really are.:rolleyes:

Thankfully..the myth that CRA's are some sort of daunting official authority that the public have to be terrified of is now becomming a thing of the past....just like with the DCA's :)

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