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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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Urgent Help-avoid start process of 14days ccj being served

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Hi Everyone,


About 11 years ago i lost my job, I had a nervous breakdown and my house was repossessed, and I ended up owing the building society about £25,000. There was no way I could make the payments.



With my family we stayed here and there, until we got back on our feet,

and finally we bought another house, but never heard of the building society, partly because we moved about, and they probably didn't know where we were.


just recently, we had a notice in the post from the court saying we owed a debt of £25,000 and we have 14 days to respond, otherwise a ccj would be added by default.

I am panicking, because we have just build our lifes, and this would destroy us again. It would mean that a ccj would also put our lifes on hold for 6 years.


Can anyone please help me, on how I can avoid or stop this situation.

We were thinking of moving and renting somewhere else, and renting our own property to someone else. Would they still be able to issue a ccj?

I have read the notes with the notice, but they just point to a ccj being added anyway.


Any advice would be helpful.

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First things first.. calm down, relax and take a deep breath. :)


Second, has it been issued through Moneyclaim or your local Court? If it's Moneyclaim, there'll be details on how to file an acknowledgement of service online. You should do this as soon as possible, which'll give you 28 days from the date of service (the date you received the documents). If it's via your local Court, again there'll be instructions in there but you'll have to do the acknowledgement via paper and post.


Thirdly, can you type out the 'particulars of claim' section and post it here? Remove any personal identifying information (just replace it with X's or something) but make sure the bulk of the details are there so we can take a look and see what the next step is.

If my reply or advice was helpful, please click the scales!


DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.


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In the xxx county court between xxx(claimant) and Mr & Mrs Kaal(defendants).

1. By way of a legal mortgage dated 20 March 1989, Mr & Mrs Kaal charged the property known as xxxxx to the claimant.

2. The claimant obtained possession of the property on 1 October 1999

3. on 4th april 2000 the claimant sold the property in excersise o its power of sale as mortgagee in possession for the sum of £24000

4. At the date of sale, the amount outstanding under the mortgage was £47,295.80

5. In the premises there is now due and owing to the claimant from the defendant the sum of £23,295.80

6. Further, the claimant claims interest pursuant to secion 69 of the county court Act (1984) at the rate of 8% per annum at a daily rate of

£5.11 to date of judgement or payment or sooner.

7. We commenced corresponding with th defendant on 12 july 2001 however despite numerous leters and attempts to contact ou offices in relation to this matter we have been able to reach an amicable repayment arrangment.

8. the defendants are jointly and severally liable for the full amount outstanding under the mortgage as detailed above.




1. THE SUM OF £23,295.80





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OK, this one is going to be a little tricky. The statute of limitation is normally six years, but on mortgages it's 12 - so they're within their time limit for enforcing collection of the shortfall.


Have a read of this: Mortgage Shortfall | Payplan - it gives you a bit more info.


Whatever you do though, get the acknowledgement of service in. It'll buy you some extra time. You might need to seek proper legal advice as this is a rather large amount and they could in theory force you into bankruptcy or get your current property repossessed - although this is unlikely as either way they won't get much (if any) of their money back.

If my reply or advice was helpful, please click the scales!


DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.


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