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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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Forgot to decalre minor accident at renewal


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Hi about 12 months ago I had "nudged" another car at a roundabout, there was no damage to either vehicle, the other party was clearly not [causing problems]- there has been no claim made. I did however have to inform our company insurance- it policy that even the most minor thing is declared!

 

I renewed my personal policy about 1 month later, and was asked about claims etc, to which I answered non, as I did not really think this warranted a mention.

 

I have now had to claim on my policy and am scared that my insurers find out about this and try to void my insurance or similar.

 

 

 

Has anyone got any advice what to do? Do I leave it or do I fess up before it gets any worse?

 

Many thanks

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No issue in my view. You did declare the accident, when you made the claim and as far as you know nothing happened. If you have taken your Insurance elsewhere, then of course, ideally you should have declared making the accident claim report and then the Insurers would have taken this into account.

 

When the Insurers review the claim, if they were not the Insurers you reported the previous incident to, then of course this may be flagged up and they may ask you about it. If this likely to be the case, find out from your previous Insurers whether the third party did ever make any claim and then phone the current Insurers customers services to inform them of your oversight. You will have to pay the relevant extra premium backdated to inception.

We could do with some help from you.

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No issue in my view. You did declare the accident, when you made the claim and as far as you know nothing happened. If you have taken your Insurance elsewhere, then of course, ideally you should have declared making the accident claim report and then the Insurers would have taken this into account.

 

When the Insurers review the claim, if they were not the Insurers you reported the previous incident to, then of course this may be flagged up and they may ask you about it. If this likely to be the case, find out from your previous Insurers whether the third party did ever make any claim and then phone the current Insurers customers services to inform them of your oversight. You will have to pay the relevant extra premium backdated to inception.

 

Sorry to clarify, the "accident" was on a fleet vehicle that is insured by the company.

I overlooked it when I came to renew my personal insurance later on, with a totally unrelated company.

 

I know that no claim arose from the "accident"- we are reviewing the fleet policy at the moment, this is what prompted my worry!

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As far as I know a claim under a company fleet policy would not be reported to the CUE ( claims underwriting exchange) database used for personal Insurances.

 

Yes it is part of your driving experience, but your personal Insurers will not become aware of it, unless you tell them. When you tell them, they may want to charge you an extra premium. Up to you on this.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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