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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
      • 161 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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ht v lloyds!!

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im just starting my claims with various banks, main one being lloyds who owe me £1150, Im a bit scared!! i have all my statments, is it best to send these or to write all my charges in a spread sheet, if its a spread sheet what info do i need to include?

It looks like lloyds dont like giving back our money, has anyone been succesful with them?

Alliance and leicester, £404 prem letter sent 14.09.06

lloyds £1150,

cap one £520,

natwest £890

halifax credit card £205

barclays bank £700

barclay card £308

littlewoods (barclay card) £250

abbey £110

any advice on any of the other banks would be fab, so far all the advice ive recieved been great, and the info on heres great!

thanks hxx

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Hi h, welcome to the Lloyds forum!


Yes, as you say, Lloyds do tend to kick and scream a bit, what with all their 'ligitamate service charge' nonsense. They try to put you off and intimidate you and bully you, but if you take no notice and stand up to them they will pay up in the end. In fact, they've paid up every claim so far!


Looks like your going to be quite busy in the near future with all those claims! It may be a good idea not to take to many on at a time. If you have a look at my sig, you'll see I've got loads going at the same time which can be an absolute nightmare at times. You need to be very organised (which I'm not!) or have quite a lot of time to spare (which I have'nt), so its probably best to keep to a few at a time.


The approach is the same with all the banks really, as the issues are exactly the same. They do differ in how they respond though, and Lloyd's thing is to stall and bluff at every opportunity. As such, Lloyds claims can take around 2 -3 months, or sometimes even longer. Don't let that put you off though, thats exactly what they want!!! Alliance and Leicester generally pay up within a week or two of issueing a court claim, in fact they have publicly stated that they do not intend to defend any of these claims. They WILL close your account though, so make sure you've got a parachute! Simularly, Halifax pay up without to much fuss, and sometimes you don't even need to issue a court claim against Cap One, they pay up after the LBA. Not sure about the others, but I've heard Abbey and Natwest are simular to Lloyds in that they try to drag it out as long as poss.


Good luck with your claim/s!



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Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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