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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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Payday Loans - how to deal with them

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Just wanted to let everyone know how I dealt with some these companies.


I had loans with Payday Express, Quick Quick, Speed-e-loans, 1 Month, Mr Lender, CFO Lending, Txt Loan, PDUK, 247 Moneybox, and Wonga.


Right, after a a few email exchanges, Wonga, 1 Month, Mr Lender, 247 Moneybox, Txt Loan, and PDUK, all agreed to repayment plans, freezing interest and only charging the amount in the loan agreement of initial loan + 1 months interest.


Quick Quid, I had advised them that I was in financial trouble, but they kept lending to me. So when I defaulted I wrote a complaint and threatened to go to OFT and FOS. After over a month of email negotiations and me standing firm, they reduced my balance by nearly £1,000.


The remainder was repaid on on a repayment plan.


CFO Lending and Payday Express, both ended up with the FOS.


I got a repayment plan agreed with CFO and Payday Express, whilst my complaint was being investigated. Basically, mid way through investigation, I made my proposal and it was accepted to my surprise, both over 12 months. All interest frozen/charges frozen. My guess is they wanted to be seen as wanting to help. Initially, they were adding on silly charges, not freezing interest etc...Speed e loans, are a funny bunch. They would still would still want to add on charges.


It ended up with FOS, I then decided to withdraw my complaint (as they were just about to investigate it), and sent the complaint to the BCA, which is still ongoing.


Right in regards to FOS, I have found them to be, quite frankly, useless. They mainly favour the payday loan companies. Also they make huge mistakes. In regards to my complaint with Speed e loans, 8 weeks had already passed, therefore they should investigate my complaint.


However, they ended up writing to Speed e loans asking them to respond to my complaint and gave them another 8 weeks!!! I submitted the complaint to FOS in March and in August, they were still no where near investigating the complaint due to their mistakes - hence why I withdrew it.


On another occasion, I submitted a complaint in March to FOS regarding my insurance company (incident happened in Jan and I gave them 8 weeks), after 3 more mistakes by FOS, I am sitting here in October, wondering when it will begin being investigated!


Overall, the FOS are not brilliant, after communicating with 6 different people on different complaints, I have only met one that seemed to be clued up. However, dont expect miracles from the FOS, but use them to get what you i.e. the repayment plan, as the payday loan companies do seem to be far more cautious with them than how they would deal with you directly.

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Can you add some paragraphs? It's kinda hard to read. Especially on a phone.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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Can you add some paragraphs? It's kinda hard to read. Especially on a phone.

I did, not too sure why paragraphs have not shown. Apologies for spelling mistakes, really should have proof read it.

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Dont worry about spelling mistakes. That doesnt matter. I only posted to let you know that the post is hard to read. Mainly on a phone, but i assume the normal browser too.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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Update...I have now had contact from the BCA regarding my complaint with Speed e loans, and all my interest/charges is removed and frozen. That is now 11 payday loan companies, that i now have a repayment plan with (although 247moneybox are playing up at the moment)...and on all of them interest has been frozen and no charges added!


Personally, i think taking the complaint to the trade associations such as the BCA may be better than the FOS!

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British Cheque credit association, i think it stands for, basically Speed e loans were a member of them.


I agree still raising complaints with FOS, however, if you can take them to a trade assocation, it may work out better and also in less time. Once you receive a final response from the trade association, if you are still unhappy, then you can still refer it to the FOS - best of both worlds!

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