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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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duplicate statement not recive how clame carges?

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i sent to barclays Data Protection Act 1998 request

just recive letter back

Thank you for your recent request. while duplicate statements are not leid out in the same way as the orginal, rest assuresd the items on them are exactly the same.

they sent me summery of fee

paid referral 510 & 570 =1080

unpaids out 210

total fees 1290

what should i do next? can i clame charges just with this info?

where should i put this charges on the Request for repayment of charges letter

I calculate that you have taken £XXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £1290

on which address should i sent request for repayment?

Edited by violet.o

I have no legal training, I'm based on my own personal experiences.

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Hi Violet


You need to read the following:-





Claiming back Bank Charges isn't as straight forward after the Supreme Court Judgement.


You need to contact the site team, they will advise you.

Edited by rebel11
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The situation is that if you aren't able to identify some unfair behaviour which has caused the charges to be levied then frankly you don't have a chance of reclaiming them.

It isn't a good story but that is the position since the Supreme Court case.


If you can show that they have levied charges because they have got accont details wrong or not sent you statements or because they have not properly managed your account then you can get them back.


There is no doubt that the charges are unfair. The banks are making money hand over fist from the people in this country who are most badly hit by the problems caused by the banks themselves but there is really not much to be done.

The resulatory authorities and the banks are frightened of the banks and won't lift a finger.

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how to found if the chargies was unfair without bank agreement and statement? and how to recalculate schedule?

what should i do next?

I have no legal training, I'm based on my own personal experiences.

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Zapraszamy do konsumenta działania grupy. Pozwala nadzieję możemy pomóc.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.



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