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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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Alliance & Leicester this time going to far!!!

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hi all,


yesterday 27th march this bank did it again. my dd came in on 27th march and made an overdraft of just £1.30 so the same day around (lunch time) i went to the post office to put £30 on my alliance & leicester account. i check this bank every morning before i go to my work to keep an eye on them.


normaly if i put some monies on my account some hours later i can see it on the web site. so i checked it but no sign of my £30 depossit. even late in the evening (11pm) no sign of the £30. no only the £1.30 overdraft! the next morning i checked my account and guess what yes a £25 fine was taken of my account! now i could see my £30 depossit. it looks like if when you are in overdraft they delay your depossit.... true?


so today i called them and asked why they took that £25 of my account. the woman on the phone told me 'oh logic because there was not enough money on your account'. so i replied when did that dd came in? 'eh 27 march' when i told her that there was enough money on my account since i made direct an depossit of £30... 'oh but that was to late she was laughing'! 'we take the dd first thing in the morning and i should have funded my account on saturday'.


well people let me tell you some story about other banks because i'm very surpriced about this behaviour here in this island. my banco santander back in portugal never justed charged me like that. they always called me on my mobile telling oh if you fund your account today or first in the next morning we won't charge you. speaking about customer service! my postbank back in the netherlands only charged you some (real) admin fee like about £2 for small and short overdrafts so giving you the time to correct it. but no, not here the bank computer system just take their fee automatic and direct! customer serivice eh eh eh


time for action!



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WELCOME... yes as has been said in other posts ..rip off britain .... I can't believe she was laughing at you , well I can . keep us posted how you are getting on with this and Good Luck

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any


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Received an letter today:



0151 928 8181


Your reference



Our reference



27 March 2006







For Enquiries, please call us on your normal servicing number, which are:


For Premier and Young Worker Current Accounts: 08459 262626

For any other Current Accounts: 08703 333 444


Dear Mr Aaaaaaaa,


Account Number 25 xxx xxxx


We have paid the following transaction (s) that were presented for payment from

your account on 27 March 2006.


As sufficient funds were not available, paid transaction charge of £25.00

has been raised for each of these transactions in line with our published



DD £273.04




Your sincerely




Customer Service Centre








C - Cheque

DD - Direct Debit

S - Standing Order or Bill Payment

T - Transfer



Well I'm very Inpressed that an overdraft of £1.30 for 4 hours will cost £25.00. It must be a very hard job to transfer an Direct Debit... Isn't it just an automatic computer programmAlliance & Leicester?



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  • 12 years later...

This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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