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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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Debt in Spain

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Hi I have been declared bankrupt you guys really, really, helped with that THANKYOU ONE AND ALL and I am rebuilding my credit now and getting on with our lives.

I included most debts abroad etc in my bankruptcy and this ncluded a Spanish mortgage.

The Spanish bank due to Spanish legal isses even witht he bankruptcy wrote off all the debt in recognition of the UK bankruptcy also the Insolvency service discharged our bankruptcy after 6 months and stated they would not be chasing any further the Spanish debt .They allowed me and the Spanish bank to agree to sign the property back to them in return they would write of the debt.

So Bankruptcy has been great and we can get on with our lives.



My problem now on a recent visit to Spain we were approached about outstanding rent by the local rental agent ( as we had left with a small amount of outstanding rent a few hundred euros ). This was an apartment we rented out via this agent who lived in the site. It turned out the property was owned by a criminal in the UK and may have gone back to the bank. Also as the owner was in prison the property may have been the proceeds of crime ( previously the agent had mentioned UK police were interested in the apartment).



The agent has been collecting rent for a convicted criminal in the UK who was in prison at the time.

The agent approached us while we were with friends in a beach bar and asked us to go and discuss the debt ( we did not have time) we were visiting close friends in the area and bumped into the agent in a bar.



We do want to visit our friends when we wish in Spain.

How should we approach this if we meet again or I could write to the agent.



Is there a reciprocal arrangement on bankruptcy as in these debts 4 years ago in Spain, were before we declared bankruptcy in the UK .



We had no funds and returned to the UK as our daughter was ill and we could not afford to live there.



We do still want to visit Spain do we just live with this we would like to write to the agent and explain we are or have been declared bankrupt ( if it covers Spain



Any advice is welcome and to anyone out there this site and the volunteers that are on here are amazing.

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I would do absolutely nothing about this, as this agent is just looking for some money to put in their own pocket.


If you start writing letters or giving them any money, it just acknowledges that you owe the debt. If you do nothing, it will get forgotten.


With bankruptcy, if this rental debt was not included, then it could still be due. Therefore it makes no difference whether you mention it or not.


Spain is in a real mess at the moment and people can be desperate to get hold of any money. If you get any hassle when you next visit, you could threaten to contact the Police. Debt is a civil matter, but if threats are made, you should contact the local Police.

We could do with some help from you.



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