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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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Nice To Know What A Firm Thinks Of You...

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Apparently I'm a time waster... Well that's what BW Legal think anyway...


Apparently asking for valid documents to prove an account isnt owing is wasting their time...

Yep thats right - Sending of a CCA Request and i get this back...

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Yep... This account is fraudulent, the idiots just dont see it...

But its not the point... I just find BW Legal tiresome... this battles been going on for 8 months...

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Why are you batting with BW

Write to their client

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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Aw. they put the personal touch on it. Not very professional. But its about what youd expect from a tiny company

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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Its PRAC - Their Director is the COO at BW Legal.

The FCA register puts the CEO of BW Legal as Contact for PRAC Financial. They tell me that they aren't linked but i think they be lyin to me...


Just for S**t and Gigs... PRAC -> Pretty Rubbish At Collecting

BW Legal -> Broken Whiny Legal...

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Definitely would raise a Judge's eybrows in an evidence bundle.

We could do with some help from you.


Have we helped you ...?         Please Donate button to the Consumer Action Group

If you want advice on your thread please PM me a link to your thread

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Definitely would raise a Judge's eybrows in an evidence bundle.


How so? To prove my liability for this debt, I asked them to supply the agreement and a statement and proof of payment to which ever bank account or if this was paid in cash. They supplied a copy of a reconstruction but it has no legally executed date and time and is isn't even on proper company headed paper.

Sure that might be valid... But the statement is all wrong along with all of their calculations even if I did owe this account.


I have checked the account details they supplied in their letter and there isn't a loan deposit on that date or 5 days either side...


So where did this fraudulent loan go BW?... Add to that the response above... But why would it raise a judges eye?


To show you how desperate this firm is... Back in Jan for a second account from the same period, I got fed up with their firm and offered a reasonable offer based upon the amount even this though it was fraudulent. It was time to make it disappear;





And this was their response... So desperate for money... The difference in amount was minimal...





I told him very rapidly


A) I+E is not something they are entitled too

B) I wouldnt have made an offer if i couldn't afford it - Morons!


Anyway rant over - Fun times in the world of BW Legal and CRAP (That sounds so much better) Financial...

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have a gander at the directors of the Internatioanl Parking Community and Gladstones solicitors.


They do this to make their behavious fall between 2 stools so neither the FCA nor the SRA can get a good bite of them

Companies House are entitled to have a go as well but rarely do.



We have dozens of ombudsmen, regulators etc in this country to control these people and yet no-one does and they take advantage of that fact..

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