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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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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Work Programme hindering my self employed aspirations

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Hi this is my second thread here, I'm currently on JSA and have been building a port folio to become a graphic designer and have built a very promising android mobile app that I am very proud of, I discussed this with my advisor thoroughly and was still stuck on the work programme as opposed to new enterprise allowance, which cannot be appealed it seems, I have no skills or grades and very poor credit, and the work programme seems unable or unwilling to help me, and everyone else I turn to for support or advice say I must be an SME to qualify for there support or go it alone (poor credit hinders this option) I wondered if anyone here knew the ins and outs for instance if I published my app can I continue to receive JSA and inform them of any monies (if any) I make from it as a freemium app, or do I have to be self employed? And the same would go for being a graphic designer? Any advice would be appreciated as lately while developing my portfolio I have been accused of benefit fraud and am currently fighting my corner (find out soon from a decision maker on that one) but I believe it was the work programme who tipped the job centre that I was building a portfolio even though it was them who advise me to do it :S so I am reluctant at best to tell them anything they don't need to know thanks again for any and all help

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I would advise looking at http://www.turntous.com and looking at your tax credit situation should you go self employed - you might be pleasantly surprised.


You can declare a nil income whilst developing your portfolio which would mean you may also qualify for council tax and housing benefit - this seems to depend on various factors so again http://www.turntous.com should be able to help.

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You can declare yourself self-employed and, as long as you are "working" less than 16 hours/week, you can still claim full JSA. I did this for 10 months before going onto being fully self-employed and running my own new small start-up business. When I was claiming JSA, everything I earned from my self-employment over £5/week had to be declared but, of course, this can be offset against any expenses. Being self-employed for 2 days a week means that your job search activity is limited to just three days a week, so you can spend some time researching, putting together your portfolio, etc. You don't have to earn anything from that self-employment - it's literally a breathing space to get on with your own things.



Once you decide to go fully self-employed, the Job Centre will arrange an interview with the likes of Blue Orchid who will assess your readiness to go self-employed and offer free training workshops/advice etc. There is usually an 8 week period in which the Job Centre will allow you to concentrate on developing your self-employment business and don't have to undertake any other job search activity.



I can't understand why you were forced to go down the work programme route when it's obviously not going to help you achieve your goal of being self-employed.



On the downside, being self-employed is horrendously difficult but there is lots of help/advice available. My income from self-employment after almost a year, after expenses, is negligible so I receive Working Tax Credits of £53.00 until my income increases. Being self-employed is a million times more productive and satisfying than being on the work programme. If you believe in yourself and are fed up being victimised by being unemployed, do something positive to help yourself.



Just advise your local Job Centre of a change in your circumstances and stand your ground. Become self-employed (for just less than 16 hours a week for now), register with HMRC and get the ball rolling. I started my self-employment just months before I was due to transfer to the work programme. I know, despite all the difficulties, that it was the best thing to do. It's not up to the Job Centre to decide whether you become self-employed or not - that's your decision to make. By the way, I'm 60 - and if I can do it, anyone can.



There's lots of information online to help you.



Best of luck






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