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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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Hello All,


I have for the first time today in my life been in a court :sick: to explain my debt ,i have just under 40,000 outstanding and no means to pay it ,i have been told that bankruptcy would be the most advisable course of action and that was from the court officer who told me they are not supposed to give advice but i was more than nervous this morning,i have been divorced from my wife for 6 years and have my 3 children living with me in council housing ,i work full time and earn just under 18.000 a year i have no assets,i don`t really know if this makes sense ? i hide it from my kids but im not feeling so good these days and don`t sleep so much, i should say that my x wife is a raging alcoholic and has run up debt not only in my name but also in my 2 eldest childrens names.its not about the blame game just wondering if there actually is a way out ????????????


thanks for reading

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Hi the_shadow,


the list is as follows


1-former employer over payment of wages-£31,002.99

2-barclays bank-£702.23

3-barclay card-£2640.30

4-orange personal communications-£1077.42

5-hfc bank-£480.16

6-anglian water-81.58


it was the solicitor acting for my former employer that took me to court


i am waiting for a copy of my credit file to come so i am sure i`ve covered everything thats outstanding


thanks for the welcome :)

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What was the nature of the employment overpayment?

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.






If I have been helpful in any way - please feel free to click on the STAR to the left!


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  • 1 year later...

two years later after trying to pay the biggest debt off at the rate of 40.00 pounds a month and ignoring the lesser debts, its time to call it a day as my cost of living has gone up but my wages have not its all become a big struggle ,will be looking to go bankrupt and cease this nightmare any advice appreciated .:jaw:

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  • 1 month later...
two years later after trying to pay the biggest debt off at the rate of 40.00 pounds a month and ignoring the lesser debts, its time to call it a day as my cost of living has gone up but my wages have not its all become a big struggle ,will be looking to go bankrupt and cease this nightmare any advice appreciated .:jaw:


Hello there,


Here's a link to our bankruptcy fact sheet, it outlines to key points: http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=01_bankruptcy

Are you in rented accommodation? Have you any assets?


If you haev any questions please feel free to give me a shout.


Best wishes,


David @ NDL.

For Free, Confidential and Independent advice: 0808 808 4000

Monday - Friday 9am to 9pm // Saturday 9.30am to 1pm // 24-hour voicemail. Please leave a message to request an information pack. http://www.nationaldebtline.org // http://www.mymoneysteps.org

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  • 2 months later...

Hello SweetRita,


If you click on the link below, it will take you to the correct section of the site to post. I see you are also having problems with "tags" in your thread title. Can you let me know exactly what you are trying to include in your title ?



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