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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
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    • 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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help with ruthbridge

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Hi, i was wondering if anyone could help.Ive had aletter from Ruthbridge,addressed to myself and asking me to contact them over a personal matter.After looking on here i discovered that Ruthbridge are in fact a DCA and are tricky customers.I had debts going back about 5 and a half years for credit cards which i did not pay due to family bereavement and falling into a spiral; of depression.I moved house numerous times over the 5 and a half years and foolishly never paid off any of my debts.I havent heard anything going back around 5 and a half years.Eill i be able to drag this out until statute barred and what are the implications if i cant hold out until then.I owe around 8000.


Thank you

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OK, are you aware of what this might be in relation to?


The first letter can be ignored, they need to furnish you with much more info yet to merit any sort of response.


First rule is to NEVER phone them, EVER!.

Secondly keep all letters they send including the envelopes, this way then you can really see just how 'urgent' and 'important' any letters are when they have all been sent by 2nd class TNT post.


Keep a diary of events, especially if they start committing the criminal offence of harassment by phone.

  • Confused 1

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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Thanks for helping me out there.I received the 1st and only letter by TNT post last Tuesday.I believe it to be in relation to a Barclaycard debt dating back to 5 and a half,possibly 6 years ago but cant be sure.Ive kept the letter and have it stored in a biscuit tin ha ha! No pone calls of late but recently i had a number of companys call me regarding debt management.I denied any knowledge of any debt to these calklers but they are the first such calls ive had in a number of years.

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Ha the good old DMC's and the resurgence of a DCA, naughty naughty! I don't suppose you have the names of any of these DMC's do you? The OFT&TS would be very interested to hear that their so called guidelines are being ignored.


Out of interest you didn't get a call from 'Provident' by any chance??


Ignore everything until anything of any substance lands on your door mat, your on a phishing list and toothless ruthbridge need to supply much more than their first puerile missive.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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I cant quite remember the name of the company that called.I did look them up at the time through the phone number using google and remember that they were a Manchester

based firm.They called me at inconvenient moments for around 2 weeks until i finally answered.It was more of a tin pot company than Provident.


I thought as much with he phishing.I will keep you posted with any news.Your help is much appreciated.

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Hmm, Bainst & Ernst? Pathfinder? Chase Saunders? Debtsure?

The list is endless, either way steer very well clear of any unsolicited DMC purporting to be able to help you with debts, they are simply wanting your money and will feed off your misery.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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Im pretty sure it was Chase Saunders now you mention it! the calls seemed to come from out the blue.Although i have been foolish online and entered my details in competitions etc.


Thats sound advice thanks.I wont be going near any debt management schemes,only as a last resort.

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ok so ive got another letter now.similar to the last but this time it states that i have been traced as living at this address and to contact ruthbridge within 5 days or they may phone! signed miss yvonne richards

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Contact them within 5 days of what? Christmas??

Wait until they send you anything of any substance, which they never will, before you make any written contact with them. If they do ring, pretend that your deaf, and ask them to speak up, and keep asking them to repeat that, I can't hear you???



Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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