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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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Hi Guys


Doing some work for a friend who has hit the wall with the above.


Took a PDL from them for £125 as per the documents. Been made unemployed last week and wont be able to fulfill the contract.


I've said to my friend they will probably default it which they are okay with as they already have a battered credit file.


I drafted an email for my friend along the lines of the below;


Good Morning


I’m sorry to advise that as off this morning, I have been made unemployed (Many people have been laid off) and won’t be able to fulfill the loan contract.

Please remove all information pertaining to "Employer" from your system as I no longer work for them.


If you need to contact me please contact me via email or letter.

Please confirm what options are available to me to resolve this situation?



They have responded this morning with the below to my friends email;


Thanks for your email. Please send through some form of documentary evidence to show you are no longer employed. We do require some form of confirmation in order to add this to your file and progress accordingly.



Kind regards,





I wanted to check a few things. (I have already given my friend the email to send back and he has.)


This is the email that was sent back;


Sorry I have nothing at present. No Letter, or anything this may not be available for sometime.

All I can tell you right now is that I’m unemployed. So please remove those contact details for my employer from your database.


I do not want you to contact them. May I remind you that it is against the rules to contact a debtors current or previous location of employment.

Also may I remind you that under the guidelines etc by the FCA I'm under no obligation to provide you anything stating the above.


Please remember who governs your CCL at this time and please also remember breach of this will result in potential action to have your Consumer Credit License rescinded

I would however like to try and sort his out. I am aware that as per your T&Cs failure to comply with the terms of the loan results in an instant default. This sadly is something I will have to live with.


So what can I do to resolve this aside of what you have asked?


Please note if I receive no reasonable answer then I will be forced to reduce any payment to you down to £1 per month for the remainder of the life of the account and pay by standing order. Please remember while I have a contract with you, it doesn’t state ANYTHING about providing any further documents to you after the loan has been paid out. You have limited rights and if this is bought to court for whatever reason, any correspondence between ourselves will be used in formal and legal aspect.



Is this the right way to go about it? What should be next step to advise my friend? (Coincidentally I work with them, and they have trusted me with this. Luckily I wasn't laid off)

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Yep. Just remember that they are a LOW priority creditor so are not entitled to any personal information such as employer letters, wage slips, bank statements etc.

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


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Yeah thats what i thought, Am i right in thinking that a judge would have to order this?


My history suggests that Moneybox dont go to court though?

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A judge could order it, but even then the creditor wouldnt see it. Only the judge would in order to make a decision on a repayment plan or F&F settlement figure.

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


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