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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
      • 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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Contribution Based ESA about to end - help!

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I am new to this forum and could really do with some help!


My partner receives Employer PHI which is paid via her payroll - she is therefore still 'employed', although there is no likelihood of her returning to work. She received Incapacity Benefit for many years and was switched to Contribution based ESA in June last year. She is in the WRAG and would not qualify for the support group as far as I can see.


Her 365 days will be up in June and she will therefore lose the Contribution based ESA at this point. Because of the ongoing PHI, she will not be entitled to Income Based ESA. Needless to say, this is income we simply cannot afford to lose.


She continues to pay NI, since her PHI is paid via her employer and therefore tax and NI are deducted at source - indeed, she has an unbroken PHI record since age 16. Since Contribution based ESA is supposedly dependant on NI contributions does anyone know if she can reapply for Contribution Based ESA once the statutory 12 weeks have passed from the date her current claim ends? I have seen a lot of conflicting information on this online and wondered if anyone had any first hand experience. I have tried the local job centre and the CAB but neither were much help and didn't understand the unusual nature of the claim, i.e. still being 'employed' but also receiving ESA.


Any help would be much appreciated.


Thank you



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Hello and Welcome,


I've moved this thread to the appropriate Forum.





Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hello there.


By PHI from the employer, are you talking about permanent health insurance? I received that as well as Incapacity Benefit. I know what you mean about people not understanding the situation, at my Atos assessment the doctor threatened to report me for claiming fraudulently!


I hope the guys will be along to comment, but I have a feeling that if the PHI is too high, then income-related ESA won't be payable, as you say.


Do you have other income? You might qualify for other income-related benefits, I'm not sure. I'll be back in a mo with a link to a benefits calculator that might help you figure out what you might be entitled to.


My best, HB

Illegitimi non carborundum




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I just had another thought, don't know if this is right or not.


My PHI had an automatic offset for incapacity benefit. Does the literature say anything about ESA and if it stops being paid on the contribution basis? It's worth asking, but I really don't know what the position is.



Illegitimi non carborundum




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Thank you for your responses Honeybee. My partner has been getting the PHI for so long I don't know if it was offset to account for Incapacity Benefit but its not something we had thought about, so I will definitely check that out.


By the by, my partner was called into the job centre about 18 months ago and was told she was going to have to sign a statement for them. Turns out they thought they were going to do her for Benefit fraud. This despite another department having written to my partner to say she was entitled to IB and PHI. Talk about one hand not knowing what the other is doing. No hint of an apology either!


That's why I'd rather try to get my information from a forum like this from people with first hand expereince.

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