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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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worried about loosing everything

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Hi there

I don’t know where to put this or were to start but you guysin the past have served me well

Ive recently split with my fiancé after 8 years

When we met we were both bargain basement (desperate for oursaviours) we picked each other up and put each other back together

I truly love loved her but the chemistry from me to her was alwayslacking if she was my ideal i would have married her

She did want to marry me but i always held back

2 years ago my dad passed away and she was there for me wheni needed her she has been exelent to my 2 children and i have bought her 2children up as my own

I currently have mortgage arreas of £2300 and am expecting acourt letter any day soon

I have means to pay the arrears (not all at once obviously)but have a good job that i enjoy

I have sort of told my employer the situation but i haven’t beento work for the past 3 days

I have only worked there for 8 months and said to the boss iam currently in a mess but don’t want to loose my job

He has said that its ok these things happen don’t worry butkeep me informed

I have a dog my daughter lives with me whos 19 and i have alovely home but just cant seem to pull myself together

I have always been an emotional teary sort of person

I look at the dog and can see the dogs missing her

I look at my daughter and i can see I’m upsetting her cos she’sseeing me upset

The X is off today to look for somewhere else to live whichis worrying me because i genuinely wish her well and want her to be ok but shehas no plan i have told her she is welcome back here anytime as its thanks toher i didn’t lose my house 8 years ago but i have told her i can’t keep thatdoor open for ever

In summary ..............

I feel sorry for myself

Feel sorry for her

Feel sorry for my daughter

Worried about my house

Worried about loosing my job

Not eaten hardly anthing for the past 3 days

Any advice ?

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Hi Melow. Sounds like things are getting on top of you at the moment.


Sounds like you've had a good relationship for 8 years. It's one thing saying the doors open but it's another to go out there and fight for it to show your ex that you really care. Maybe the chemistry isn't there, but perhaps there's something more solid that's worth saving?


Until you decide what you want to do it's very difficult for others to advise on the best way forward.


If things are really too bad maybe you should see a doctor for help. Your employer sounds fair but I don't need to tell how important it is that you don't jeopardise your job, so stop feeling sorry for yourself.


You can't deal with everything at once but you need to start taking steps to get out of this.


Work out what's most important to you and start with that. The first steps are always the hardest, but once you get going it will get easier. :-)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Chin up! :-):hug:

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Chin up! :-):hug:


Oh dear...sounds like everything has just got too much for you :(

You sound quite depressed to me, I would make an appointment with your GP if I were you

Once you feel a bit better then you will be able to deal with things a bit better

Best wishes

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Hi, Melow


Sorry to hear you're feeling so low; it's a horrible state of mind to be in. Please try to eat - it sounds a cliche but you really do need all your strength and if you make yourself physically ill things will just get worse. Stress makes our bodies use more resources than normal (esp the B vitamins) so get a good supplement!


You do sound pretty low, so I would agree with Squig - get yourself to your GP. You've got nothing to lose. Anti-depressants don't remove your problems - they're not a magic bullet - but they will help you recover your perspective so you can get on with sorting things (including emotions) out. I suffer from depression, and I find that once I start to get a grip on things and take control, I do start to feel better. It's the feeling of helplessness that's the worst thing for me.


I know it's hard, but try to separate your 'physical' problems - house, job etc from your emotional ones. You NEED somewhere to live! Eventually, everything will settle back into place. Don't shut your daughter out, or your dog! They're hurting, too and need you more than ever.


Good luck, and let us know how you are.


Janie xx

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If you need help dealing with the arrears on your mortgage I can help with that try to stay positive, you will get all the support you need here :)

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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I should be ok with the mortgage Ell-enn no solicitors papers yet as of 29-5-2013....im gonna pay £500 off the arrears this friday (payday)& re enstate the direct debit wich will be motgage payment plus 100 of the arreas for all future payments its with the coventry used to be stroud & swindon

i know your good at this sort of think as i look on here quite often and thak you for reading this post

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Hi Melow, what you're describing is grief. You're grieving for the loss of your life as you knew it with your fiancée. It's normal to feel that way. Its not depression it's how your mind and body cope with intense feelings.

I suffered a profound loss not too long ago. I stayed off work for a long time, waiting to' get better'.. It can't happen by isolating yourself I know that now.

Get outside, walk. It helps. Try and get back to work.

By interacting with people at work you can escape your surroundings and for a wee while put your feelings of loss and bewilderment to one side.

Telling people that you've split up is very difficult but it's therapeutic to talk about it.

Remember that darkest hour is only 60 minutes long, and it will become 59 then 58. You have to hold on to that, you won't feel as raw or hurt in a few weeks.

If you're no better in a couple of months then see your doctor, but for now let your mind and heart heal themselves.

Once your fiancée moves out you will feel a huge chunk of your life has gone, but you will get some closure, as you adjust to your new life.

Remember get out with the dog, walk and talk to yourself or your dog and even your daughter.

Your sun will shine again soon x

scotgal 

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