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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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Hi all


I currently bank with Lloyds TSB and while I have over the past year come to arrangements with all my other creditors to pay reduced amounts, so far I have managed to continue to pay Lloyds for my loan and credit cards with them.

I have since made the decision that I can no longer afford to do this and have this past week sent them the standard pro-rata letter and have cancelled all direct debits.

I have today received a letter from them stating that they wish to talk to me about this (I do not want to speak to them on the phone and think I have the right to state that I only want to deal with them in writing) and that they are refusing to stop interest and will go ahead and take the normal monthly payment from my bank account.

Help needed with

1. as I have now changed my bank account and therefore no monies are going into my Lloyds account, can they take money even though I have cancelled the direct debit, which would then make me go into an overdraft situation which will create fees?

2. As I have been using my credit card am I still in my rights to request a CCA, it seems wrong to do so when I have clearly been spending money on it?


So far I have not requested CCA's from any of my other creditors and am merrily paying them quite sizeable monthly payments, be it not the full amount. They have all frozen the interest on my credit and only once in a while do I hear from them trying to either offer me lump sum deals (which I can't afford) or to get me to increase the payments, which I follow up with the standard expenditure form showing that if I in fact made an offer now that it would be for a reduced amount and not at the higher amount they are actually getting, which they seem happy with for 6 months or so.


Any help with the Lloyds thing before I reply would be appreciated.

Cheers all

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Good that you have already opened another account, I hope it is not with any of the Lloyds banking group?


If you have cancelled all of your DD's and they decide to honour any of them, or make any payments out of your account, then they would be very foolish.


If you can get a print out of your account balance before any of the DD's were due out, that would be a good idea.


Who are the other creditors?


Are you paying them what you can afford, or what they have told you to pay?


You can ask for your CCA any time really, but is often best left for when they start playing silly buggers.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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Hi Bazooka Boo

Thanks for the quick response, I will quickly go in and print off a copy of my statement.

My other account is with Nationwide, which I have had for many years and my husband has just moved to Santander, neither which I believe are in the Lloyds group (Nationwide isn't owned by any bank so believe is safe)

I have lots of other creditors, foolishly I took out credit with many companies i.e. egg, M&S, Co-op etc. The payments I am making are what I offered them and not what they have wanted me to pay.

Can I go back to Lloyds and tell them that I do not authorise them to take any payments out of my bank account as I have cancelled the direct debit. I have only left £10 in it anyway and have since moved all other bills to my new account anyway so have no need to leave money in my Lloyds account.

Thanks for the help.

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