SMG BMW ******* down to the last connecting rod

1 /5 is too high. SMG is work hand in hand with BMW Financial Services who claims they are a completely separate entity, but SMG exists to make BMW FS legitimate as BMW FS can only exist if the dealer does. BMW products, including Mini Coopers, that are sold by SMG are owned by BMW FS. And as inextricable partners, they are as embroiled in the dirty underbelly of the high end vehicle industry. After insurance refused twice to pay for a new engine on a brand new Mini Cooper after I knocked the sump and brought the car to a stop with absolutely no possibility of engine damage, SMG, in conjunction with BMW Motorplan, drew up a letter to the insurer further claiming false evidence of engine damage - this, even after a SMG technician admitted in front of a forensic engineer (who had proven manually app**** damage to bearing covers) SMG Dealer Principal, Workshop Manager, and BMW's own HEAD Investigator that he had sandpapered conrod bearing covers used as evidence of engine damage due to 'sand contamination' - a new invention that popped up 4 months after the 'incident' that fast became listed as an 'accident'. My insurance finally pays out R250K - without ONE signature from me. And I am threatened when I question it. And 12 months on... with me never ever being able to get the car back on the road due to absence of any invoice, build sheet, import papers to get police clearance on the apparent new engine - the car is repossessed, due to 'abandonment' by me and reregistered by BMW FS 2 months later with the original engine number. Keep EXPOSING BMW FS and all of their agents without whom they cannot exist. They have absolutely NO regard for consumer rights and law, and they get away with it, because the ombudsman are financed by them and ultimately have no power, especially when Mac Roberts Attorneys, their official legal pitbulls, step in within hours of MIOSA investigators being forced to close a matter. Hand in hand, these entities force ordinary citizens down impossibly expensive legal action, while they get their products into auction houses, and off their books to make it someone else's problem, and ***** over yet another unsuspecting consumer. If there's a loophole, leave it to BMW FS and their attorneys to find it, as they stonewall, bully, and bamboozle South African consumers into financial hell.