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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
      • 161 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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My Credit Record Has Been Totally Trashed :-(

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After a long time of getting my credit record completly squeaky clean (999 rating on experian) I discovered tonight that on equifax, my credit record has been totally trashed.


There's two problems.


First one there is a CCJ at an address that has been incorrectly linked to me and is in my name. It's a long story and there's a thread in legal issues about it. Basically I have had a long running saga with a DCA who pulled a dirty stunt, by issuing court proceedings at an address I dont live at. As a result I got a CCJ at this address as I was unable to defend this claim due to not knowing about it. However I am in the process of having it set aside.


However due to the DCA searches, I am now linked to that address. One thing to make clear, this is not a previous address, it is an address I have no connection with either past or present. Is there anyway I can get this link removed ? On experian I'm not linked and have a perfect score as a result.


The second Issue I have which is trashing my record is that I have had 25 credit searches in the past 6 months. Half appear as credit searches and half as standard/unclassified searches most done by DCA's. i think they were warming up for screwing me up in court by making sure I didnt live at the address they suppplied to the court.


I didn't give these DCA's permission to search my records, I know that a creditor or owner of a debt can do it, however these DCA's didnt own the debt in question, they were chasing on behalf of another DCA. is there any action I can do to remove these aswell ?

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As to the linked address you need to make

a formal complaint to the Data Controller

at the CRA and meanwhile add a notice of


As to searches the DCAs will be using the

permission given for data sharing and credit

reporting included in the original agreements.

You must complain as above but to the DCAs

making the searches the CRA cannot unilaterally

act upon this.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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