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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
      • 160 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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Mint Default Notice!

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Hi everyone,


Have today received a Default Notice from Mint after 3 months arrears!


I will try and scan it later on but it states-


'The payment must be credited to your account by no later than 17 days after the date of this Notice shown above'.


It is dated 18 February 2010 but I did not receive it until today the 24th February 2010.


It was posted in an envelope with a large black S in the top right hand corner.I'm sure I've read that this is 2nd class postage.


Am I right in assuming they haven't allowed enough time for service?


Anyone with similar DN'S? All advice welcomed!;)

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you'll need to post it up, minus your details.

If it is put as you say then it may be invalid...

It must have a remedy date, not the "17 days after the date above."

time is dependable on class....14 days after 1st/2nd class post

poss 1 day out don't tell them this!

let them terminate. unless you want to remedy it.

you need to decide what you want to do.

have a read on default notices

do a search.


hope this helps



Edited by Series3

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take a look at mine it's on here, I can't seem to link it for you..

sounds like yours is on the same lines.

Edited by Series3
can't get link back!!!! grrrrrr

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depends on first or second class.

first class id deemed 2 days for postage

second class is 4 days.

18 feb was thursday +2 (first class)=remedy by 27th feb

+4 (second class)= remedy by 1st mar


they may say first class..otherwise deemed second

see "tale of a dodgy DN-further disc" mine is posted there post 2095


sorry , Not sure how to link.

Edited by Series3
added post number

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  • 2 weeks later...

I am in a similar position, i have had a Mint card for in excess of 10 years, I have never missed a payment in that time.


I was laid off some 6 weeks ago, knowing that i was going to struggle for the next month or so, I informed Mint of the situation and offered a small payment on account until such time as I was working again. The asked me to send back a statement of income/expenditure which I did, the next thing I know in the same post, I received a letter saying that before my offer of payment is considered a default notice will be issued, followed by a letter of termination 21 days later and the default notice, withdrawing the credit facility and asking for the card to be cut up and returned. Then they give the usual guff about if you correct the default no further action will be taken.


So much for customer loyalty, bearing in mind it is a single default in 10 years.


With the default notice having been issued, is it worth me going for them and trying to have the debt wiped out, if so, how do I start off the process.


Strangely, I also have an MBNA card, the consensus on here seems to be that they are rubbish, but they were as good as gold. Interest frozen immediately, acceptance of a nominal payment, no hassle nothing.




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With regards to MBNA being as good as gold :eek: They will willingly put you on a hardship plan - eg, accept a nominal amount - freeze interest and charges - for max 6 months. After that period -well - 5 missed minimum payments - if you can't pay off the arrears they sell the debt on and in the meantime you are building up defaults and you have another set of plebs to deal with.

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