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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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ARC chasing virgin gym debt

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Virgin Active cmail I owe £114, as they cmail I has 2 months left on my contract, this is indeed incorrect as I was on a monthly plan, IE pay a little more each month and then gibe a months notice to end. Well I gave the months notice and handed my card in, so did not even use it for the last month.

Now (well since October last year) ARC are calling me 2 -3 times a week, and they are telling me thay have put a £30 admin charge on. I am not entertaining them as Virgin have got it wrong, I called Virgin last year to question all this and was told that I did not give a "clear month's notice" They are telling me it is a calender month and you can not give notice part way through.

Anyway ARC have now started calling my workplacem well they have a number of times now. My boss has picked up a couple of times (if I am on the phone it rings another phone) 20 mins ago he called me in to ask who ARC were. I explained everything to him, and he told me that personal issues should not be discussed on company phones etc. Highly embarassed I told him I would sort it. I called ARC in my linch and told them not to call my work number, they have my home and mobile. They told me they could not remove numbers from their system, and "When are you paying the £144 Sir".

What can I do here. I dont want to get called in by my boss again.

I gave notice and handed my card in 1 whole month, which was paid for. ARC do not listen to me, I have told them to take this to court, something they don’t want to seem to do, they just keep calling me again and again 2-3 times a week, sometimes more. They tell me they will continue until this is paid. I have explained numerous times that notice was given, accepted by the staff at Virgin, and there is nothing more to pay, they simply tell me there is and I have to pay. I am livid now as this is getting into my worklife.


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You may also find the following of interest Debt Factsheets - Harassment of people in debt by creditors


The OFT can sometimes be a bit slow but it's still worth compaining to them. If you complain to Trading Standards they may actually give ARC a call which sometimes puts a halt to the phone calls.


You also may wish to make a complaint to the police on the grounds of this being harassment and endangering your employment. The police may, if you're lucky, have a wee chat with ARC which usually realigns the DCA twits thought process.






Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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They're also NOT ALLOWED to put their ridiculous "charges" on, unless the agreement originally said they can. £30 is too high anyway. They can only charge what it costs them (if it's in the agreement)

I am a lawyer, but I am an academic lawyer. I do not practice as a barrister or solicitor. You should consult a practising Solicitor BEFORE taking any Court or other action

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