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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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Insurance refuses to replace an unprofessional contractor

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We have had a domestic heating oil escape 6 months ago. Our insurance sent a contractor to do remedial works that would remove the contamination and prevent it from spreading.


After 6 months the contamination still has not been removed from the ground but our policy was charged tens of thousands of ££ in costs incurred by the contractor. The only works done to date are: test of the level of contamination, partial structural survey of the house wall, a filtering equipment connected to the water feature that was also affected, and a proposal for works presented but later withdrawn (possibly on the grounds of safety after we asked for clarification of some safety aspects).


On top of things, we have issues with their negligent conduct at our property and poor project management. We complained to our insurer and asked that a reputable contractor we found (who worked with this insurer on similar cases before) replace the current contractor under our current claim.


The insurer refused. We wonder whether we have the right to have our current contractor replaced on request under the current claim. We would also appreciate some pointers and advice from people who found themselves in a similar position. Thank you very much.

Edited by citizenB
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Write an official complaint and in it give them a time by which to finish the work to your complete satisfaction. Tell them that if it is not, you will get in your own contractor and send the bill to them.

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Write an official complaint and in it give them a time by which to finish the work to your complete satisfaction. Tell them that if it is not, you will get in your own contractor and send the bill to them.


That is what you need to do. Register a written complaint with the head of claims at the insurers head office, asking them to look into it and find out why the works needed for the claim have not progressed. Perhaps the reason is that the money agreed by the insurers has not been enough for the contractors, so they are not going to do more work until the insurers have looked at what needs to be spent on returning your home to the way it was. It can be quite surprising at how quickly costs can escalate and insurers may not be happy, but have not come up with an alternative. If this is the case they should send around an assessor who can see what work is left to do and to get quotes.

We could do with some help from you.



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They would love me to go privately and use my own contractor and they are pushing me for it. Why? 1) The costs of works are likely to spiral and they would only refund me to the amount indicated in the inital work proposal presented by the current contractor appointed by them. The work proposal does not account for any unpredicted works and costs incurred throughout the project. 2) They would shed any liability for damage (I assume also damage caused to date by untreated contamination spreading throughout the land, and endangering the house wall and water table).

I was told that they only use 1 oil remediation contractor for domestic oil spills. It seems strange, considering that they are one of the largest UK insurers. I was told that if I want a different contractor to do the job, I need to appoint them privately, pay them and later the insurance would refund me the costs to the level they see appropriate.

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If the time taken is excessive and not what another reputable contractor would take, then you do the complaint as I said earlier and give them a timescale, if you make time of the essence you can also tell them that you will contract out and refusal to pay the full amount will also result in court fees.

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