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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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me vs. lloyds tsb

Harry the hamster
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I have already sent a letter to lloyds, which a friend had forwarded to me a few months ago and i sent with it a copy of all bank statements. They replied with the standard letter saying they were sorry to hear i had a complaint and they would get back to me within 2 weeks. A letter arrived this morning saying that the 'OFT's guidelines only concern 'default' charges.' and that fees charged 'for going over an overdraft limit and for returned payments are not any kind of default penalty'. They also said this was their last response but if i wasn't satisfied too refer my complaint the Financial Ombudsman Service.


Have looked through this site but i am getting tired and fed up of trying to take everything in so can anyone tell me what i should do next?


Very much appreciated

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Hi Harry (Class username by the way :D)


Normally, for a first poster I'd reply with:


I'd suggest you read the Frequently Asked Questions forum, in particular the Step-by-Step Instructions, the FAQs themselves, and the Rules of Engagement. You'd do well to read the other threads in there too :)


Once you've got those under your belt, take a look at the Bank Templates Library. It contains all the letters you should need to see your claim through to the end.


Best thing you can do is read and memorise the step-by-step guide though. Your next course of action, judging by what you wrote, is for you to send them the Letter Before Action. 14 days after that, you will probably need to file a moneyclaim online.


Don't be disheartened though, it does take a lot of time for all of the information on this site to sink in. You may want to read a few other threads with 'Settled' or 'Won' in the title as well (My own is linked in my signature, for EG).


That said, welcome aboard. We'll be here if you need us :)

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!


Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Cheers! I love the 'hello there my name is harry the hamster' it just cracks me up everytime i hear it:D


To top it all off i also recieved another letter this morning saying i'd gone over drawn and i was gona be charged £90 on 1st oct!!! as if i can afford that so tomorrow as soon as i finish work i am going to open another account and close my TSB one down! My mother is also threatening to close all her accounts with them, including her business account!!

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you're very lucky to be getting those letters, tsb have started sending them to me a week after they take the charges now, i think it's so they can trip me up and charge me more! because i only then get paid on a tuesday and charges go out on a thursday, they get to charge me for each day over i am!

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