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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
      • 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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Studio cards PPP is this PPI?

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My account has been closed for several years now

but I recently contacted studio who sent me a list of all past transaction.


I have invoices which total approx £1000 but I have paid back approx £2900.


The list consists of admin charges ,

Service charges and PPP.


I have put in a claim for the admin charges and studio have agreed to send me a cheque for £400 (£300 plus £100 interest) they will only go back 6 years.


I would like to try to claim all these charges back.


As for the PPP what is it?


There is no mention of it on the agreement but I don't think the agreement is the original one.


Can somebody PLEASE help me as this cheque could turn up anytime now,

do I send it back and continue with this claim or bank it?

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Hi Ira, welcome to CAG


If you want the charges and associated interest back for more than six years ago it is highly likely that you will have to sue for them.


I have to say that their offer of £300 plus £100 interest seems low....did you do a spreadsheet showing them how much you want back?


The PPP (Payment Protection Premium) is PPI so is up for grabs of it was mis-sold.


Have you got a complete transaction history or did they stop at 6 years?


Did this transaction history come as a result of a SAR?


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Hi ims21


I did use a spreadsheet with 8% interest added and the admin charges were double the amount that they offered

but the rest were more than 6 years old.


As for the ppi I have only ever asked for ppi on a secured loan that I have,

so definitely not on this account.


The service charges and ppi kept being added to my account and I kept defaulting hence the admin charges.


I have a full list of transaction from when the account opened till I closed it.


I did not SAR them just requested a copy of the agreement and transaction history.

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Ok so with the charges they are getting off lightly then.


What I would do is start a new thread in the catalogue forum here for the charges aspect so that we deal with the two aspects separately.




For the PPI, just one more question which will tell us which spreadsheet we should use.....this transaction history...is it just a long list of all the payments out and payments in or is it broken down into statement periods with the monthly balances shown?

Edited by ims21


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Use this spreadsheet


FosCISheet v101.xls


With the data you have got this will give you the best shot at what you are due back. Follow the instructions in the notes tab.


Grab a copy of the fos Consumer Questionnaire from here and complete it




Send the completed questionnaire and a print of the spreadsheet to Studio with a brief covering letter requiring refund.


They will have 8 weeks to investigate and give you a final decision.


Bear in mind that the spreadsheet is likely to give you an over-estimate of what is due back but because it shows that you have done some research it is less likely that they will fob you off with a low offer.


Any offer they do make can always be checked of you are not happy with it.


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