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    • Just as the title says, if ever there was a good reason to ditch Micro$oft and move to Linux then this is it :-   Giving Windows total recall is a privacy minefield • The Register WWW.THEREGISTER.COM It's only a preview, and maybe it should stay there ... forever Help is available, most modern PC's can run a version of Linux suitable for your needs and it is not difficult to use or learn. Ubuntu is popular, new version is very modern Garuda Linux is the one I use, based on Arch, rolling release, bang up to date. I have friends and acquaintances, old and young, PC Literate and not. Most people who try it never go back to Windows Hamster
    • I've had to hide two of your posts.  Anyone clicking on your links gets sent to external sites.  On top of that your real name is showing on one screenshot.  Fellow Site Team member dx100uk has already politely asked - Anyway, jk2054 wants to see the communication you got from your local court which will have told you about the hearing date of 17 June, and will have mentioned a deadline for filing your Witness Statement.
    • I believe it is helpful to seek guidance from a range of places and decide on the validity of the sources and frequency of responses which are most helpful. A single voice can be a dangerous thing. As, of course, can groupthink. Scott, it feels like £4k on a solicitor for a £1.5k bill is overkill. Were we back in time I'd suggest small claims court as your claim sounds like it may be straightforward? By all means add that phrase on. I also suggest you contact the court and go and sit in on a couple of similar cases to get a better understanding before you shell out.
    • a card should be 16 digits...urm... note your dates above please. do not miss them no matter what happens  ......................... pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • Which Court have you received the claim from ? Northamton, civil national business centre Name of the Claimant ? PRA Group Uk Portfolios ltd. How many defendant's  joint or self ? self Date of issue –  21 May 24 date of AOS - 07-06-2024 date for filing defence by - 21-06-2024 Particulars of Claim 1. The claimant claims the sum of £5600 for an outstanding debt owed. 2. On Mar 2000 the Defendant entered into an agreement with Barclays Bank Uk PLC for a credit card under reference ( 11 digit ref ). 3. on Mar 21 the defendant defaulted on the agreement  with an outstanding balance of £5600. 4. On Aug 21 the debt £5600 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on Dec 23. 5. Notices of assignment were sent to the defendant in accordance with S136 Law of Property act 1925. 6. The claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. AND THE CLAIMANT CLAIMS 1. The sum of £5600 What is the total value of the claim? £6100  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No - just emails threatening action   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes   Did you inform the claimant of your change of address? no Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? credit card   When did you enter into the original agreement before or after April 2007 ? before - in 2000   Do you recall how you entered into the agreement...On line /In branch/By post ? I don't recall - I suspect post / online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? am awaiting access - but I suspect it is    Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. assigned - debt purchaser has issued the claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Pretty certain - Yes   Did you receive a Default Notice from the original creditor? pretty certain - Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? there's been gaps - they went very quiet  Why did you cease payments? Covid lockdowns  What was the date of your last payment? i thought it was 2020 - they say 2021 Was there a dispute with the original creditor that remains unresolved? no Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no
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Big Motoring World Wimbledon/Blackhorse - june 2023 Ford Kuga failed 12th jan - USELESS WARRANTY- had to pay repairs myself!

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I purchased my used Ford Kuga 4 June 2023

being a used car I was insistent on having an extended warranty that I was confident in.

The sales person at Big Motoring World Wimbledon sold me the ‘Big motoring world, Big Assist’ warranty which he went on to tell me included

1) 24/7 helpline

2) Roadside assist

3) Hire car

3) work can be carried out at any independent garage that is VAT registered and BM world will pay Labour rates up to £75 p/h (this was a crucial selling point for me!)

4) an App to access all you need


I would NOT have purchased the car if it wasn’t for this warranty (that I now feel i was completely mis-lead into purchasing) 


Friday 12 Jan 2024 when driving home my engine warning light came on and power cut off with a message saying pull over when safe, which I did. 

I ended up walking my children home and my husband got the car home safely. 

The breakdown section of the App was excellent and the person I spoke to was extremely helpful and had a mechanic sent out to me at a time that suited me the next day. He made my entitlements very clear and I was happy that I knew what was going on.

On Saturday morning the roadside mechanic informed me the water pump had failed and the car would need to be taken to a garage.

I tried to call the 24/7 helpline (this is separate to the breakdown section who it transpires are a different organisation) the helpline voicemail advises It is mon-Fri 9-5 and send an email - the web chat also advises to send an email for support.

I sent an email entitled URGENT.

I had no choice but to make a decision on where to have the car towed to myself and asked the mechanic to take back to where he had come from (National Rescue Centre) about a 45min walk from my home.

He informed me that there would be an £80 diagnostic fee which would be waived should the work be carried out there - they could do the work Tuesday 16th Jan. 

Monday morning I rang the helpline and was informed that this was no longer the correct number and they had been advised to pass all Big Motoring world customers back to the after sales team as of 18 Dec 2023 and he gave me the number.

When I eventually spoke to an advisor, I was informed that any work would need to be carried out at a BM World service garage and the earliest appointment was 11 March at Snodlands (nowhere near where I live and the car was at this point not drivable and in a garage in Chessington)

I explained that this was not acceptable as I don’t have any other form of transport, my daughter was having to be kept off nursery that I am still paying for, I have a 10 week old baby who has appointments to attend and I need my car. I informed them that I would need a hire car until my car was fixed, to which I was told I could have one for the day of the appointment only.

I asked for a manager and was informed none were available but they would call me back - which they did not.

That afternoon I called again… no one could tell me what I should have actually of done on Saturday morning to avoid being in a situation where my car is now sat in a garage unable to be driven, 45 mins from my house with an £80 diagnostic fee to be paid and a recovery fee to get it back to my home address that BM world are adamant they will not pay for any of this and they will not pay for the work to be carried out! 

A new date of 5 Feb was offered to me, which again is not a reasonable timeframe when you can’t leave your house and get your children to school etc.

They then said they wanted to send an independent inspector to the garage to check what work needs doing as ‘the garage could be telling me whatever they want’ - this is the garage that the warranty company sent to me!

They said they could also then check the work was covered and then the work would still need to be carried out at their service garage no earlier than 5th Feb! So now the independent garage are expected to store my car (at an additional cost to me) for them to come and inspect it!

No one would allow me to speak to their top manager (George) - I put my complaint to him in writing on Monday evening. Wednesday evening he replied to say ‘sorry to hear this, we will investigate it and be in touch’ 

I have had to pay to get the car repaired myself as I cannot be without a car. 

3 weeks is completely unreasonable when the warranty that was sold to me was made very clear I could use an independent garage for work - I would not have purchased a second hand car of this age if this wasn’t the case.

I feel the car and warranty have been Mis-sold and I was mis-lead into buying both of these. 

I am now £600 out of pocket when I paid £900 for a warranty that should have provided me cover for this! 

I don’t understand how a company can change their ‘guidelines’ so significantly at the drop of a hat to without informing their customers who have purchased the product. I was told this all changed on 18 December and they are in the process of telling customers.  

My main issues are:

1) There is no 24/7 helpline as promised

2) They have changed their ‘guidelines’ (as they call it) on using independent garages. I would NOT have taken this out nor would I have purchased the car if I knew the car had to go back to them for any work!

3) The hire car is completely misleading

I feel the whole warranty was mis-sold to me and I was completely mis-lead by the sales assistant. 

No one has communicated that there have been changes

What they offered me in terms of a date to book my car in to be seen is completely unreasonable and unacceptable

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  • dx100uk changed the title to Big Motoring World Wimbledon - june 2023 Ford Kuga failed 12th jan - USELESS WARRANTY- had to pay repairs myself!

as you've realised 99% of warranties on anything arent ever worth the paper they are printed on.

and you paid £900 for that ......

is this car on finance?


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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Welcome to the forum. We should be able to help you.

I'm trying to work through your story. There is quite a lot of narrative and so it is difficult to understand completely what has happened.

We are getting lots of complaints about this company. This is not the first time that I have heard that they have suddenly changed the terms of their warranty and of course they should not be allowed to do this in respect of existing warranties. There would only be allowed to do this in respect of warranties after the change.

Please can you stand by for a further response tomorrow. In the meantime, can you post up in PDF format the wording of the originall warranty, The exact date that you purchase the car and the date which to your knowledge they change the terms of the warranty.

Stand by for a further response tomorrow.



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The car is on finance with Black horse.

Unfortunately, I was not given a paper copy of the warranty T&C and having gone through all of my emails, it seems I wasn’t emailed a copy either. 

When I purchased the car, it took over 5 hours (I should have realised at this point it was a bad idea!)

They bombard you with different things to sign, which by this point I was desperate to leave as my 2 year old had missed her dinner.

I got several emails with copies of the signed paperwork but it would appear the warranty t&cs wasn’t one of them.

I purchased the car 2nd June 2023 and collected it 4th June 2023.

I am lead to believe the ‘guidelines’ as they keep referring to them, changed 18 Dec 2023

I have previously made a claim on the warranty back in the summer.

The work was carried out at an independent garage and it was all very smooth, they paid out no bother at all, but i was told as of 18 Dec, independent garages can no longer be used!

Thank you for your time!

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Is the present warranty and conditions published on their website?

Have you anything in writing which at least acknowledges that there was a change

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I can’t find any terms and conditions linked to warranties. There’s lots of others but not warranties that I can find. It does however advertise:

‘access to over 1000 approved garages UK wide’ and ‘24/7 helpline’ amongst other things that their extended warranty includes that are untrue.


I will email and ask for a copy of T&C.

I don’t have it in writing regarding the changes, it was all over the phone. In their response to my trust pilot review it just says ‘I understand your disappointment with the current guidelines’ 

I have however had work carried out previously at an independent garage that they paid out for.


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This change in the terms and condition of the warranty has been referred to elsewhere either on this Forum Or else on the Facebook group

If you have the time To look for them would be very helpful

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I will keep searching. I have also emailed and asked for copies

I would have thought that they had a responsibility to inform customers of any changes, which one of the managers admitted to me in the phone that they have not yet done.

There seems to be quite a few people on the FB group who have faced the same experience with the changes.

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They  don't need to "inform" of any changes, because they cannot change anything.

It's a contract. If they change terms and conditions, they are in breach.

We could do with some help from you.



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

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  • dx100uk changed the title to Big Motoring World Wimbledon/Blackhorse - june 2023 Ford Kuga failed 12th jan - USELESS WARRANTY- had to pay repairs myself!

snotty letter to blackhorse on that too IMHO as their finance is PAYING for the warranty so under section 75 they are equally liable.


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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Incidentally, would you post up a picture of your vehicle – maybe from the advertisement but also from now and it would be helpful to have the registration number as well.
Don't worry about posting that kind of detail. It's not unlawful and it will help you and it will help other people and of course it will embarrass Big Motoring World. Oh dear!

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  • 1 month later...

what happened?


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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Share on other sites

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