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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
      • 162 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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Premium Credit Ltd £10 fees

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I have 2 insurance policies that i pay by DD with Premium Credit Ltd.



I have never missed a payment in the years i have had the policies.

Each year the policies renew so do the DDs with premium credit ltd.


On checking my bank both DDs have been paid BUT a 3rd payment of £10 has also been taken.



At the time i was trying to remember if i had set up another payment that i had forgotten about,

but on checking the Premium Credit Ltd website its actually a £10 FEE for failing to return my agreement.


Could i point out in all the years i have been paying these DDs, i have NEVER returned the agreement.

It doesnt stop them collecting the money each month, and they have never refused to collect payments as a result.



This is the first time i have noticed this £10 fee but i,ll be honest and say they could well have charged it in the past without my knowledge.


Is this FEE a legitimate charge?


I have never missed a payment, and surely the fact the DDs are renewed each year

and the money collected without question by myself agreement enough on my part.


I have sent them an email, asking to explain this FEE and also to let me know how many times in the past (if any) I have been charged a similar fee.


I know its only £10, but as a customer of many years it doesnt seem warranted to me.

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In order to be justifiable, I think that they would have to show that this represented some administrative loss that they had incurred by your failure to return the agreement.


It is such a small sum that it will be scarcely worth doing anything about – unless you discover that they have made similar charges in the past.


I don't expect them to disclose to voluntarily how many fees they have taken. I think the you will have to goes to your bank statements and if necessary serve the insurer with an SAR.


Come back here when you find out

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typical trick by Premium credit



lots of threads here on it.



its a penalty fee, and I and others have gotten them back




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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