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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
      • 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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Beneficiary Trace enquiry - old CAT account - what is it? is it bad?

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I Recently Thought of Getting My Credit Reports ,


On My Equifax Report there is a Search enquiry by a company called Shop Direct Finance Limited

called a on both my current address and a previous one ,

this has been done sometime in November 2015 ,



looking online it seems to be connected with Littlewoods,

Now interestingly I had an account with them till 2008, when I was abroad for a while

(now visiting on a short stay here for about 6 months)



they had apparently put some buy now pay later debt letters had arrived at home

( I hadn’t purchased any items -never used the account ,so though it may be dormant)

they put it in my credit files ,



after writing a few letters to and fro saying I can prove they weren’t mine

they apologised ,closed the account and subsequently removed it from my file

( it was only on Equifax if I recall correct)

I only took action in 2010 that's when I found out .


I would be greateful to know if this has a connection or what this ” Benificiary Trace Enquiry ” means?



..P.S : I also have to mention I do have a couple of defaults on my file

as I continued to pay from abroad till the funds here fettered out .



I have never heard of a "Beneficiary Trace enquiry " could they be up to no good again?

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probably a DCA looking to see if they want to buy the debt.

only you and they can see it.




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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Thanks for the Quick reply dx,



But what I don't understand is there is no Debt I don't owe shop direct any money they "wrote off" the account balance at that time (I do not know what the balance was for as I never purchased anything) I was under the impression that they mistakenly put some one else's purchase details in to my unused account , I told them I don't even live in this country , they investigated took a long time but eventually without telling me why they showed a balance in the first place .



they apologised cleared the balance to zero and closed down the account , and as I requested deleted the default they had registered in my credit file (it was only in Equifax) so as of now and rightly there is no debt and no default ( I cannot check my Experian file as they send a letter to the current registered address & I have no address here in the UK , my last registered address is showing up as my current in Equifax of course I haven't lived there for ages don't even know who does anymore).



All communication was through email I still do have them last one was an apology & attached document confirming full balance on the account has been deleted and no payments should be made and the account closed ( it wasn't my purchases any way) then a further email confirming account is closed and the balance is zero there after the incorrect default was also removed ....

so here I am concerned why shop direct is up to no good again.

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Just keep an eye on your credit files to ensure nothing adverse pops up again.

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