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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
      • 162 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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Valuation Fee = No Mortgage Offer

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Hi All,


Hope somebody can advise me. I recently parted with £495 valuation fee for a mortgage with Countrywide Mortgage Company, basically they could not assist so passed it onto First National.


It was confirmed that the valuation was ok, it was not de-valued yet they would not let me see this report, although I had paid for it ! :? :mad:


To cut a long story short I filled out the mortgage application, gave them proof of id, proof of income, etc..etc. This was approx 19th Sept 06, between this date and upto 6 weeks later they were asking rather personal questions like -


A) Why is it not a joint application, when we know you have a partner ?


B) Will you agree for the affordability to send your car back to the finance house ?


C) Were is the deposit coming from and proove you have it ?


D) They wanted proof of rental income for 2 other buy to let properties I own ?


E) Why does your mother live with you and do you charge her rent ?


I thought some of the questions were too personal, and whilst I understand they have underwriting criteria, this was not a high risk loan with a 20% deposit amounting to £20k I was furious.


After 6 weeks, I was no further forward, with no mortgage offer nor decline. So I wrote to various key people within Country Wide and First National. :mad: :mad: :mad:


Eventually approx 8 weeks later they rejected me and said they were unable to help me, when I asked why the hid behind the "Sorry you dont meet our criteria" . I told them that I dont think they should have cashed my cheque and carried out the valuation knowing full well they would not be help me.


I have since written to them asking for my money back, of which they have declined and sent me a letter with a complaints leaflet. Is there anything I can do to get this money back.


I think its disgraceful.......................................................................


Good news, is I have got a mortgage offer on the same property with a smaller deposit :D However, because I had to pay for another valuation it cost me over £1k ..........................................................................


So do not deal with First National or Countrywide Mortgage Services, I believe they are unprofessional in my opinion




Many thanks

Law Pack & Small Claims Procedures Ordered Via site :) received 26/10/2006 I thank you :)


Claiming contractual @ £1.40per day ;) take your time Mr West


Can't wait to donate my 5%............. :)

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Check the wording of ANY communication, letters leaflets etc regarding the valuation fee.

If that looks clear then take em to small claims. i'm sure it will be covered in Sale of Goods/Services etc. You have paid for something in good faith and they have not provided a satisfactory "product" or service.

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Law Pack & Small Claims Procedures Ordered Via site :) received 26/10/2006 I thank you :)


Claiming contractual @ £1.40per day ;) take your time Mr West


Can't wait to donate my 5%............. :)

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Share on other sites

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