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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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could be even longer road ahead

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Hi happy new-year to you all and good luck to everyone that’susing this site for any future claims

After my susess with abbey\santander i have started to hunt down citi groupi may have had at least 5 loans with different companies but all under the citi group name so thismay take some sorting out Here’s a quick rundown of where I’m up to with it

SAR sent 22-10-2012

Citi Request for proof of identity 10-11-2012 proof sent straight back15-11-2012

Nothing has been herd to date

over 60 days not including holidays and i still have not receivedmy requested S A R what’s my next move any ideas

thanks in advance

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failure to comply letter



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

Hi all i sent a failure to reply and a couple of days later the sar was received with the requested info i am studying it but it’s not as straight forward as the last one firstly it’s all mixed up i have sorted it into the credit card and what i thought was 2 or 3 loans


Firstly the credit card that seems straight forward i went thru all the statements and i have now used the calculator to work out the repayment of ppi the credit limit was £500 (paid off and cancelled in 2005)and i now know i am owed £150 according to the calculator i know it’s only smallbut after all it’s my money should i send the claim or wait till i have sorted out the loans this may take a little longer i only have the agreements and the totals so maybe some help here again with the maths!!

i did notice quite a lot of late payment and overlimit charges (£25.00 each every time )any chance i can get them back ?? must total well over £300 by the time i paid it of (sad i know but this was a bad time for me i seem to remember )

just a quick one i also received totally blank statements (what a waste of paper)from when i closed the account 2005 to 2007 can anyone explain this

ok that’s it for now and i look forward to winning again !!!thanks in advance for your help

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You should put in a claim on the credit card separately to the loans.


£150 sounds low to me...can you post up your spreadsheet please (minus personal identifiers)


The over-limit charges of £25 or whatever can be reclaimed too along with the associated interest on them.


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Overlimits should come back to you if the reconstructed balance is less than your limit. However plenty of companies are trying this on hoping Joe Public dont notice.


Another area to investigate, if you paid the account off or it goes into credit at all during the accounts lifetime, is any late payments. The reconstructed balance could go into credit (even if you have just a claim for £150) and therefore a late charge when actually your account is in credit is just plain bonkers.


If you cant prove this within the account then you cannot just claim them willy nilly on a PPI claim. Most if not all late payments will be valid and unless you operated the account close to the limit at all times then overlimits will be valid also. ( This is not saying they are valid in the sense of a charges claim but that is another fish to fry )


The spreadsheets on here give you a good indication of where to look but you will have to do some maths yourself and maybe rebuild your account showing the charge is unjust. Certainly if you ever went to FOS you would need to do this.


Only you know your account and sadly checking the maths is something most people cant be bothered with but with certain companies they are losing fortunes. And thats why the companies are doing it. Its worth their while to.


As a final bit of advice I would forget the maths too much until you get the uphold on your miss-sold claim. By messing you about with the SAR is indication enough they intend to mess you about with the claim.


I also hold the view not to send the bank your workings out until you have too. Far easier to pick their calcualtions to bits than have them picking yours to bits. And it is so easy with all these calculations just to make a small clerical error which snowballs into something much bigger. And if your error leads to an underclaim and they realise you have balls up I doubt they will be saying hang on we owe you more.


Good luck with it.

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