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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
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    • 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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Let me at em ....

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Hi im 24 hours away from submitting the N1 court forms for a claim against log book loans for unfair charges

Not gonna go into to many details as no doubt u have heard the story a thousand times before and im also wary of giving away to much info. Im just wondering if anyone could help me out with the particulars of the form. There seems to be a lot of help for Bank and Credit Card claims but a lot of the points made dont seem particulary relevant or accurate for a company like Log Book Loans. Does anyone have a template i can cut and paste for a claim against a loan company or specifically Log Book Loans or is it already staring me in the face !!

thanks in advance

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Hi Brows - have you sent lbl a preliminary request for a refund of charges, followed by a letter before action.


I'm asking as I did that and their correspondence back to me stated firstly their charges were fair (and they had to pay for extra offices/staff to send out letters for late charges etc!). Their second letter offered me £100, but still stated their charges were fair. I was on my way to court, but telephoned them that morning stating I was going to put in the claim and the guy I was dealing with (I'll pm you his name if you like) said could I give him a couple of hours to speak with his boss. He rang me back after a couple of hours and agreed to the full refund. So one last telephone call may do the trick!!


What I did state in my prelim and lba was that if I did have to go to court I would claim "contractual" interest on the charges, ie 375%, whiich upped my claim from just under £600 to £2000. I think that kind of forced their hand a little.


When I rang them to say I was on my way to court to file the papers, it was a little white fib -- I was actually on my way to get the papers to start the claim, so the phone call saved me a trip:D



Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.


All in all, quite busy at the moment and enjoying every minute of it




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Hmm very interesting .. yep ive done everything as per the rules ive already claimed 3 lots of bank charges so ive got plenty of experience !!

Im doing it on behalf of my ex but my name is also on the agreement .. The loan was paid off a couple of years ago so they have got nothing to threaten me with either !! do you think i could phone them up and let them know what im about to do or would she have to do it ??

I think it would sound a lot better coming from me as she doesnt really fully understand the whole process .. and id love to hear them squirm :D

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Also if you could PM me the name of the man you were dealing with that would be cool .. how long ago did you claim because i have been hit with a wall of silence so far !!!

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Hello again fellow caggers .. im still after some advice on filling out the N1 form. Im ready to go but when i look in the guidance notes all the info that is there for you to cut and paste onto the N1 form seems heavily geared towards a bank or credit card claim. A lot of the wording seems innappropriate to use in a case against log book loans and im no legal eagle so can anyone offer any words of advice ??

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Hi Ya


I have attached a link which gives guidance on completing a claim form which may help you if you don't already have it.


When you are looking at particulars of claim against LBL - I think you will need to be as clear and concise as you can be, from what I have read in the forums, they know a thing or two about defending themselves in court against the unwary......


I am unfamiliar with your particular issue - if you give me more detail I will try to assist : )


I would advise though that you need to be aware that the key to going to court is to always remember it is an administrative process and is not 'personal' - when you make it 'personal' you get emotional - making the decision to take a case to court is a serious matter with no room for emotion - the facts is what the Judge is interested in and as many Legal grounds and will apply in your individual case as I'm sure you will know. : )


[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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