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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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Spark Energy Final Bill / Credit Rating worry

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Hi everyone,


I was wondering whether you could help me with something that has been troubling me recently.


I moved into a new flat in January 2011 and immediately wanted to change energy providers as we were with Spark, and I had been warned against them by my landlord.


The flat was shared between 3 relative strangers who split the bills - however I dealt with the energy company. I called them and requested a final bill shortly after moving in. After many phone calls they sent us one weeks later - to the sum total of £0.00.


We didn't take any action.


About 10 months later, on the day that I was moving out, I opened another letter from them. It was another 'final bill' for a total of around £500. I asked my flatmates to take care of this, as I was leaving.


About 6 months later - Spring 2012, I started receiving phone calls and text messages from someone alleging to represent a credit company. I was reluctant to take the calls, as I didn't recognise the number and they called within working hours. The text messages looked spammy - they were vague, mentioned credit rating and asked me to call them on a premium rate number. I thought little of them, until I picked up a call and they asked for my previous address and mentioned Spark Energy. I shrugged off whoever was calling me at this point - I was at work.


I didn't progress with the phone call, and they didn't call me back after two conversations with them.


I appreciate that this is all from a long time ago - but the reason that I am currently concerned with the matter and thinking about it again is because I would like to apply for a mortgage in the near future. I've always had a very good credit rating aside from this - 6 years of living independently with all bills paid on time, and no credit card.


As I no longer live as the residence, and have had no correspondence from Spark since Spring 2012 - I don't know where to start.


My questions are:


How or should I find out if I owe anything?


How do I found out if it affects my credit rating?


I've searched the forums for other occurrences of complaints with Spark - it seems I'm not alone - has anyone else experienced the same problem as me?


Any help is greatly appreciated - thank you.

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Hi Welcome to CAG,


Have you checked your credit files yet? Check Experian, Equifax both have 30 day free trials.

Were you the named account holder? If you were did you cancel the account in writing?

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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HI Brigadier!


Thanks for replying so swiftly.


I have not checked my credit files yet, that's probably a good place to start.


I think the account was addressed to the three of us, but I might have been the main point of contact - I was certainly the person dealing with the electricity etc. And no, I did not cancel it in writing, but requested final bill over the phone, as I have with every other utility account before.


All the best, thanks for getting in touch.

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spark rarely report to cra companies


pers i'd ignore


it will be a fleecing dca chancing their arm.



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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