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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
      • 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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Budgeting Loan

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Anyone can give me the true details as to how much someone can borrow on the budgeting loan?

On the DWP it states up to £700 yet I am sure I read £2000!


Also can you only claim if in receipt of JSA. I have two job interviews coming up and want to borrow to cover for the Housing Benefit as the Council will take months to sort my new claim if I get job and don't want to be in arrears.


Also if I am working and paid back the loan ASAP and to borrow a small amount to start a business could I do this or will I not be able as deemed working.? Both jobs are part time. I will take only one job!

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Each application used to be judged individually, so make your app for the amount you calculate as being necessary .

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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I've had a few budgeting loans up to £800 over the years. I think the amount you can claim depends on how long you've been on benefits (and other things). Each time I've applied they've either said yes or no (always been yes) and quote a figure I could have claimed up to.


Check the link above - all the info is there.


Note, you can't apply for a budgeting loan for any reason. There is a 'list' of things Budgeting Loans can pay for. I don't think covering housing benefit or starting up a business will qualify ;-)

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Note, you can't apply for a budgeting loan for any reason. There is a 'list' of things Budgeting Loans can pay for. I don't think covering housing benefit or starting up a business will qualify ;-)


I seem to remember way back in time that someone actually applied for a budgeting loan to purchase a car which was 'needed' to get to and from a new job after being on JSA for a year or two. There was no other way of getting there - no public transport and taxis were far too expensive. It was turned down and he was told to buy a cheap second hand bike or look for a free one. The cheek of it - a car!

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This is the criteria for which the loan can be applied..

furniture or household items

clothing and footwear

rent in advance or removal expenses to secure fresh accommodation

home improvements, maintenance or security

travelling expenses within the UK

looking for or starting work (including childcare costs)

repaying hire purchase (HP) or other debts that have been taken out to pay for any of the above.

funeral or maternity expenses

It's the disparity between the maximum I can borrow and whether you must be on JSA to apply. It's a chicken and egg. do I apply knowing I have a job offer and trying to pre-empt a situation arising as in arrears on rent while the Council sort out my amended claim or new claim whichever it is. By the way I haven't the job yet, two interviews coming up and I am trying to avert a nightmare from happening.

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You have to have been on income based jsa, esa or IS for 6 months in order to apply. Once off of benefit you can't apply.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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