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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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I have just recieved SAR from welcome finance and dont quite know what to do know i have looked throught the account statement which i have currently stoppped paying as i believe the balance to be wrong.


After checking throught the statement i have found that out of the £1415.42 they say i owe £1217.65 of it are charges for various things to name some of them are;


Fee assessment - varying amounts?

Telephone call fee £10 a time

Outside telephone call fee £25 a time

Direct debit cancelled fee £20

Capitalisation - varying amounts

Add hoc fee - varying amounts

Letter fee - £10


Now the letter fee and telephone calls are self explanatory although expensive but the rest i dont understand what is capitalisation, add hoc, and fee assessment and what difference is there between an outside telephone call and why does it cost so much more than a normal one.

Also when i sent them the letter for SAR I asked them to prove the phone calls they have charged me for some of which they have but many are not recorded I am also quite disgusted to see that some of the calls are charged even when im not there to answer the phone.

What do i do now?

Any help would be gratefully appreciated.


Many thanks



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Hi Rob


The capitalisation is a mixture of interest and charges. If you've been charged, you'll see Capitalisation immediately above that.


The outside call fee is for doorstep visits.


I'm not sure what the ad-hoc fees are or the fee assessments, hopefully someone else will be here soon to advise.


Are you reclaiming charges?

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if not

you should be

and don't forget the 8%!



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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Yes you can. Just send a letter asking for them to be returned plus 8% interest (court would award), ask them that unless they can prove it costs the company £10 for a letter and phone call etc, you would like it all returned.

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Ad Hoc fee is code for bulls**t fee - it's when they want to make out they are charging you for doing something wrong that you haven't actually done.


Letter to reclaim charges is in the template letter forum just ammend to suit

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