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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 
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    • 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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What Consitutes Harrasement - QuikQuid/Payday Express! **

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I have made contact with both lenders above to explain my situation to them by legtters and by numerous emails but all have been ignored. I have requested they only contact me via letter/email.


They continually text me to ring them - around 8 texts a day and ring me around 5/6 times a day.

What constitues harrasement? Is there a limit that they can ring/text me? What can I do to stop them igorning me and try to get them to sort the matter out as I actually want to resolve it but not by telephone calls.


Any help is massively appreciated,

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If you have written to them and they have not answered and continue to text/ring I would have to say that is harrassent.


maybe you could just send them a copy email 5-6 times a day until they do and copt the FOS or OFT in everytime.

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Send them a recorded delivery letters with your proposal and the reason and then pay them that amount only.


You can tell them that no further correspondence will be entered into until they respond by letter. It matters not if they respond as the regulations say that the letter is deemed to be delivered 24 hrs after posting.

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Thanks for the help.


What ledgisation can I quote at them? Who can I copy from the FOS or OFT?


I have sent them recorded delivery letters stating the amount of money I can pay and have paid payday express the amount I said I would on the day I said I would but trying to get QuikQuid's bank account details is like trying to get blood outta a stone! HMPF! :-(

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I think I would be inclined to tell them they either supply you details of their account in which to pay or they get nothing.

By letter of course.


Don't let them frighten you, you can't go to jail for debt and it's very unlikely they would ever go to court over it, can you just imagine them telling the

judge they charge 3,000% interest and the judge siding with them. :)

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