Jump to content

  • Tweets

  • Posts

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
        • Like

SAR Received from JD WILLIAMS - is this normal ?

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3550 days.

If you need to add something to this thread then


Please click the "Report " link


at the bottom of one of the posts.


If you want to post a new story then


Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 



Recommended Posts

hello everyone hope you can help


Ive been a lurker for a while - and been following advice without needing to post anything - so far until now ( thank you to all as you guys are amazing at what you do, especially helping noobs like me ) :smile:


Anyway I had a simply be account and got into some arrears - the original credit limit was £350 but with added charges I ended up paying back over £1200 - have just finished paying the amount back and wanted to claim back admin charges and insurance added on to the account.


Sent away for a SAR with the fee - and have today received a large pack of documents with recordings.


Thing is - the pack seems to literally be loads of screen shots from their system I imagine - and I cannot make heads or tails of it - I was expecting to see copies of collection letters or arrears letters - or statements even notices of defaults but nothing- literally nothing about going into arrears that I can tell is this the usual things they send out ? it is data on purchases etc


How is someone who does not work there suppose to figure this out ?


also the account was opened in 2011 and I have seen in the insurance section of the pack it says - insurance opted out 2012 does this mean that I only opted out of the insurance in 2012?


thanks for your help in advanced


Link to post
Share on other sites

You should have a document detailing all their jargon.


If they havent included it then its not complete.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


Link to post
Share on other sites

Hi and welcome (finally) to CAG


With any SAR, they should include a code sheet to help you understand them. Screenshots are quite normal (it has happened in my case) so long as they are legible.


The account statements should give you some idea of what has been charged. As for insurance, there should be something there to show when it was taken out and when cancelled.


Any letter sent to you from them wouldn't necessarily be included as they tend to be template letters and the account is marked with a code to tell them what letter was sent.


If you feel they haven't fully complied with your request, you can ask them to check.


It may be worth getting a copy of your agreement (if they have it) which would show whether you accepted the insurance. This document is not usually included in a SAR as there is separate legislation to allow you to get a copy.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?

  • Create New...