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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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poss YBS Mortgage fraud? unknown £50k on my mortgage

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hello group ,

i have just uncovered a fraudulent additional loan of £50,000,

taken out august 2007 on our joint mortgage of £95.000 taken out july 2007 5years ago ,

all monies have now been paid of..

with the £50 k loan paid of within six months..


i have spoke to the building society and written in,,


i have received four documents of a joint application.

.and the signatures are all not mine

they all had discrepancies

my mobile number last digit changed ,

all other numbers were of the other owner and so on

,i knew nothing about it till now.


.they have told me it was all done through the post and possible branch visit in manchester.

.the 50k was wired to his saving account with them on the 20 th august ,


i now beleive it was to pay off his shortfall on a mortgage he had with them when he sold his apartment at the end of august 2007,

..a good friend of his worked at that branch and was dismissed in 2009.


i was completly shocked by the whole thing as i had paid my half £125000 cash off the purchase of the house

.and the other owner £30,000 ,with then a joint mortgage of £95.000

..this meaning that the additional loan of £50 k went into my equity.


.I then thought why didnt notice it on experian on my credit file as i check every year,

the £95k was on there, i checked with equifax the £95k was on there to


.I telephoned both and enquired,

,no they had received any details of the £50 k .


i phoned the ybs,


,they got back two hours later ,its on call credit check..


. i asked hows one supposed to keep on eye on your credit files when this information is missing of two of the main agencies.


.it all look like a concealment for me not to find out about.


..i ahve yet to go the police with my findings..


.anyone give me anymore advice.


i ll be most obliged

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