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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
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    • 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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Withdrawing new Working Tax Credits claim - please advise

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Hello all, this is my first time posting on here. I have been sick with worry regarding working tax credits and the new rules. I am self-employed and have been claiming WTC since July 2014. It was very helpful towards costs and I am not disputing that BUT the new sanctions were causing me anxiety. I renewed my WTC last Fri but telephoned today to withdraw the claim. The guy was very helpful and I explained that I am going back to college in Sept and will be doing a lot of unpaid placements, and, as such, my working hours and income will fall. He withdrew my new claim but said I will have to pay back the money they have been giving me since 5 April this year. No problem, I thought as much, and so I won't spend it.


But now I am reading horror stories about people being charged extreme amounts in over payments and I am worried this will happen to me. I have always been above board with my claims. i.e. 2014-15 I only earned £1880, and 2015-2016 I earned £3214 (declared on the WTC claim I want to withdraw). I think I am within their £2500 limit when it comes to an increase in my income, but I am so scared. I was receiving just under £54 a week.


Can anyone advise what the likely outcome will be? I am a self-employed author and so my hours were indeed long (proof as the books have been consistently coming out since early 2015). Sorry to ramble on, I have high functioning aspergers and quite bad anxiety and the people who I turn to for emotional support are not here at the moment. So this is a very worrying time.


Thanks in advance.

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Hello and welcome to CAG.


I expect people who know about tax credits will be along later, but I just wanted to say that in my experience of this forum, the tax credits people aren't fierce, especially as you contacted them. From what I've read here, they're reasonable about repayment of any money that's been overpaid.


My best, HB

Illegitimi non carborundum




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you told them of a change that will occur in the future so you should still get the WTC until then, even if they have to make adjustments to the amount. Stop panicking, they will look at last years earnings and correct it for this year. The withdrawing wasnt necessary and will probably cause them to miscalculate to your disadvantage so when you get their correspondence read it very carefully before doing or saying anything else. If monies are owed they can only collect if your income is above a certain threshold and that is over £13k so that wont be until after you retire at this rate. Also, it is £2500 CHANGE in income, not total income

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