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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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Any advice please on Loan payments

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Hi all. I am a first timer on this site but am desperate for any advise that people have.


I have had a loan with Llyods since 2005 and until March have kept the payments up even though we now have only one income coming in. I have to admit that Llyods itself were very helpful and gave me all the contact details of CCCS who are now helping us to try and make ends meet. I have spoken to the collections dept every couple of days since March as we were advised to cancel all of our direct debits. I have explained everytime to different people that we were now dealing with CCCS and even though Llyods said they knew this the collections dept had no record from any of the conversions I had with them about this.


I'm afraid today became one of the worst days though as I went to our cash machine to get a mini statement to find they have taken 750 pounds out of my account for my 2 missing payments of my loan even though the direct debt was cancelled in March. The foreign gentleman that i spoke then told me there was nothing that i could do about this as there was no payment plan in process even though they knew i was with CCCS and i could not do anything about it and if they wanted to take any money about of my account they could without any warning . When i tried to explain to him that the money that was taken out was my rent money and that i have been told that if i missed a payment then eviction was always the action. This was not personal but company policy which to be honest is fair enough, he told me it was not their problem. Please i am desperate for any advise as I have a 2 year old daughter that i do not want to be make homeless.

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Hi and welcome to CAG. I hope we can help you sort this out.


When you cancelled the direct debit, did you put it in writing, or receive any confirmation that they'd done it?


Regardless of that I think this information about direct debits should help you.


The direct debit guarantee applies to all banks and building societies taking part in the direct debit scheme. It says that:




If there is a change in the amount to be paid or the payment date, the person receiving the payment (the originator) must notify the customer in advance.




If the originator or the bank/building society makes an error, the customer is guaranteed a full and immediate refund of the amount paid.



Customers can cancel a direct debit at any time by writing to their bank or building society.


The above comes from the FOS and the link to the item in full is here. issue 27 - banking - direct debit guarantee



Let us know how you get on.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I think this might be the bank using the Right of Set Off.

I would set up a parachute account and get ALL payments sent to that account so that the bank cannot take money from the account.


FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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