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    • Thank you. Please will you repost your images in one single multipage PDF file – the right way round et cetera.  
    • And just to reiterate – I'm sorry if the message above sounds a bit harsh. We have to get the message out to other people who visit this thread as well. I realise that you are having a difficult time and we will do our best to help you, of course
    • The last photo shows the overflow carpark looking at the block which our room was located. When we got out of the car my partner thought that the building was for staff accommodation.  The unsecured bedroom window opened onto this car park.
    • Also I see that you are doing a lot of this on the telephone – and without any written confirmation. This is a big mistake. You need to start taking this matter seriously and so everything should go in writing. If you have telephone calls then they should normally be recorded. Read our customer services guide. You should make notes about every telephone call and then you should send an email to your telephone correspondence confirming what they have said or what they have agreed. It is important that you keep detailed paper trails here. Of course we may be jumping the gun and maybe big motoring world will step up to the mark – but I'm afraid that they have a lousy reputation has you have seen and so you need to start practising survival techniques and protecting yourself. You say for instance in your letter of rejection that the mechanic told you on the telephone that the gearbox needed replacing. Do you have any other evidence of this conversation? This is going to sound a bit harsh – but other people will be visiting this thread as well for their own purposes. You conducted their research about this company before you bought the vehicle. You now are fully aware that this is a company which can be very difficult to deal with and causes a lot of problems for many of their customers and yet you are still taking a telephone/verbal approach. Do I need to say any more? Also one of the documents you put up is an email exchange but it is not clear who is writing to who or what dates. If you showed this email to somebody in a pub they would be asking lots of questions about who sent the first message, who sent the second message, what dates were they sent et cetera. Please think about this before you post things. Please can you clarify the details of that email exchange. Please will you present the information carefully. We are all volunteers here and we have to rely on you to do the spadework
    • I told the DM that the room was not acceptable because of the reasons already mentioned. He informed me that they were full that night and that they could move me to the room next door (would not solve my problem with the rooms location). Told the DM that I could not stay in the room provided for the night so left no option but to leave. DM did not reply and I walked out.  
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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Hi Can i ask another Q ok when your adding your charges up on the spread sheet do you add the debided intrest with the charges or do you add them up seprate i.e bank charges £25 intest £2.18= 27.18 or do we do it charges £25 then deb intrest £2.18 sorry for been a pain but i don't want to muck it up

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As they are listed on your bank statements


charges 25

interest 2.18

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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HI All

well this Morning i took all my bits and peace to the court,and this nice lady told me she will sort it out for this afternoon, and i will get a letter giving me the date of when Halifax go to court, so it is just sitting back and waiting know, how long does it normally take,

and on fri my hubby went to hospital and got good news he didn't have a stroke he has a servere migrain, all his test came back ok

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Hiya Elaine

Best of Luck Elaine

Im in the same boat as you so I will be checking your updates.

Good Luck with Your Claims

Angi x

Good Luck with Your Claim


Angi x



:) If I have been of any help, please click the Scales of 'Justice' in the botton left corner. ;) Thanks

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Hi to all thats reading this....


I've just read though all this post & have to say this site & its members really do bring everyday people from all walks of life together with such a common goal & support its unbelivable....


I think this sites founding members should be on the Queens honours list for the help & support its given to thousand of people in such a short space of time.....


Good luck Elle aka Elain 54 & Tell your hubby not to stress as all WILL be ok....the law & every member of this site is behind you 100%....


Im just senting off for statements on my parents account who are in the same position as you...Been with the bank for 30 year+ & dont want to rock the boat as I told them....ITS YOUR MONEY get it back....


Enough's Enough vs Barclays Fat Cats

Has Anyone Had They're Loan Written Off....

AS I SAID.....





"First they ignore you, then they laugh at you, then they fight you, then you WIN" Mahatma Gandhi

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I hope you are feeling a bit better about things now - I was in a similar boat to you. The last bunch of charges I had, they took £435 in ONE DAY!! Then to add insult to injury, they also took my Halifax credit card payment which made me overdrawn whilst simultaneously stopping an external direct debit... then charged me for it!


It's really not right! I wrote and asked them to stop doing it, the response was a very odd letter over a month later saying 'I am keen to discuss the points you have raised, please call me on blah, blah....' I don't think so! If they can't be bothered to reference or answer my points, or even indicate the date of my letter, there's no way of tracking any details. Plus, I don't see why I should be spending money on phoning them when my bank account has been fleeced already!! :confused:


Ain't no way to run a railroad!!!


Hang in there!!

First Data Protection Act Letter sent 1 August 2006

OD facility removed - 4 August

Odd 0870***** phone calls start to arrive - 10 today - 16 Aug

Phone calls ceased - 20 August

Acknowledgement of Data Protection Act request received - 22 August

Reminder sent re: Data Protection Act 3rd September

Statements received - 20th September

Calculated penalty charges to date - £2K

5 months of Missing Statements requested - 25th September

Claim letter sent for £2K - 4th November 06

Reply with a four week timescale received - 15th November 06


If I've managed to help anyone through the site, click on the scales and let me know... I need all the help I can get! xx

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awww Hunnie

I wish your parents all the best although they won't need it as they will Win,

looking forward in reading your posts in letting us know how you get on I didn;t even get a letter to say they where going to defend, so check the banks every couple of days, after you get to court stage it took them 2 weeks from date of been served to putting money in my bank.

love and light Elle aka Elaine 54 xxxxxx

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well done elaine


enjoy the money, you deserve it


hope hubby is a bit happier now ;)

"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"


Brad v Halifax

22/08/06 - Preliminary Letter sent requesting full repayment of charges

06/09/06 - LBA sent to bank

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