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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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Virgin media credit report entries!

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Hi there, just looking for advice before I try to take on the delightful virgin media, I have heard they are tricky!


Last week i checked my credit report with experian and equifax before I apply for a mortgage.

I was surprised to see virgin media on there for my internet contract,

I didn't realise they could record data with CRAs for your internet service

but I suppose it makes some sense as I had 12month fixed contract.


In any event,

I was concerned they have recorded 3 late payments entries against me earlier this year

and have now been told this will hinder my mortgage app as they are within the last 12months!


What i am cross about is that virgin media failed twice to set up my direct debit properly which meant I fell behind with payments!


The first time, they took the wrong amount out of my bank account on a direct debit,

I had to file an indemnity claim with my bank and Virgin told me to cancel the direct debit and set it back up again!


I went to set it back up again a couple of weeks later and this time they wrote down the wrong sort code so the direct debit was never set up correctly!

What resulted was late payment fees galore,

I had some of these refunded but it seems unbeknown to me they had still marked late payments with the CRAs!


What makes me doubly cross is when I settled the account finally a few months later determined to leave them all together .

. They talked me stupidly into moving the internet with them to my new address

and taking out a new 12month agreement which we are now halfway through, paying on direct debit without drama!


I feel so mad I want to ring to cancel the whole thing with them tomorrow!


I tried to call them to discuss the whole thing when it materialised on Friday

but was on the phone to not terribly helpful agents in India

who accepted virgin had made mistakes but refused to remove the late payment markers.


Eventually one mildly sensible American agent agreed it should be looked into

and gave me an email address for consumer underwriting services...


I sent an email that bounced back as a wrong address!!


I have now written in to complaints team and raised dispute with experian and equifax .


. Any similar experiences or further advice ??


Is there an ombudsman or regulator I can defer to if no satisfactory response??


Thanks S

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if they refunded the PENALTY fees, they must remove the relevant markers.


end of.


they have agreed they were wrong.


ICO might be the eventual decider or the FOS.


however I think yu should get this done ok

did you email them too?



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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