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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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OFT Complaints Form Template

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Well, that didn't work - any suggestions as to how to get it to display properly? I have cut and pasted from Word.


Having no mail to answer:evil: I have been working on an old OFT complaint form I found which was for places such as CAB to fill in and send, on behalf of their clients.


We would welcome your comments as to whether this could be used as a template to encourage more complaints to be made, when a 'letter' does not have to be written. This would also give more consistency for the OFT.


In July 2003 we issued guidance on debt collection practices that we viewed as unfair. A copy of the OFT's Debt Collection Guidance can be downloaded from the OFT's website at www.oft.gov.uk


We would like your help in checking whether those licensed under the Consumer Credit Act are complying with the OFT’s Debt Collection Guidance. Please note that complaints about debt collection practices can relate to creditors and/or their internal debt collection units, as well as external debt collection agencies.



We may want to contact you to obtain additional information. If you are happy for us to do so, please provide your contact details in the box below.


Please be assured that we will not disclose details of your complaint without your permission, but if you are willing to grant permission, there is a consent form for you to complete and sign at the end of this document



1.Your Details






Contact telephone number E-mail address


Would you like to be contacted by the OFT: Yes/No


Preferred method of contact: Post/Telephone/Email


Time(s) of day when you would prefer to be contacted


2. Details of creditor/debt collection agency


Name of company about which the complaint is being made


Contact name(s) and position(s) of all relevant staff members (if known)





3. Complaint Details


Please provide details about the complaint, including dates and times of any relevant events (if you run out of space, please attach additional sheets).


a) When and how did you first become aware of the debt collector?


b) How did the company contact you?


How frequently were you contacted?

What was the nature of the contact?


Provide dates and times and copies of any correspondence if possible.


c) Please explain:


- what sort of debt was claimed to be owed by you


- to whom the debt was alleged to be owed


- the amount of the debt.




d) Did you explain that you disputed the alleged debt?


If so, in what terms did you dispute the debt?


How did the debt collector respond when the debt was disputed?



e) Did you explain your situation to the debt collector?


How did the debt collector respond?


Did you offer a repayment plan?


Was this accepted?


Did you fill out a personal budget sheet or financial statement?

f) Did the debt collector threaten you?


If so, in what way - verbally, physically or both?


Please provide any evidence you have to support this information.


g) Please feel free to provide any further information that you think the OFT may find useful, including any other contacts you might have made with the debt collector and any response.


Your summary of the debt collector's business practices, in the light of the OFT's debt collection guidance, would also be helpful.




Permission to disclose complaint





Consumer Credit Act 1974 (the Act)


Complaint Against:

Under the terms of the Consumer Credit Act 1974 (the Act), I give my consent for the Office of Fair Trading (OFT) to disclose details of my complaint concerning the above trader, including my name and address details, in any further action that the OFT may take under the Act or under any other legislation administered by the OFT.


I also confirm that I have no objections to the OFT using the information provided by me in the performance of any of its functions and disclosing that information to others where legally permissible. For example, the OFT may disclose such information in connection with enforcement or regulatory action under its own powers or may refer the information to another government department or enforcement authority.


Signed: ………………………………………………………………………………………


Print name: ………………………………………………………………………………..


Address (please print): ……………………………………………………………………


Date: …………………………………………………………………………………………….


Please note: the OFT can only use your details in any action we may take against the above trader if you give your written permission for us to do so.

Edited by harrassed senior
Didn't 'post' correctly
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CAG has probs with copy and paste from word. You get a ton of formatting data that for some reason shows up. Also CAG only supports basic text when doing copy and paste. so forms and things won't work.


If you want to post somethng from word, then load notepad and copy and paste word text into notepad, and hilight and copy text from notepad into CAG post. Then it works without a problem


If you need peeps to see original word .doc file, then post it as an attachments, so peeps with word can load it in word and view it

These are video links to show how I deal with Debt Collectors.


Fly fishing for C.A.R.S



Frederickson International don't accept my card type


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