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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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Rascal v Barclays (Woolwich)

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Wow well this has been going on for almost 2 years now - they are a bunch of incompetent a.bums. Under an SAR they have sent me about 20% of the information I am entitled to. I am now in the "decision making process" - they have until 8th March to deal with my complaint.


On 26th of Feb I had 4 missed calls from a blocked number - finally got round to answering on the 5th one to a guy from Barclays asking me all sorts of questions about my claim. I had stated on my form that I didnt need the insurance as I had other insurance policies, redundancy cover, critical illness cover AND savings of my own. They asked if I could provide proof of all this and given that it's going back to 1998-2000 no I actually cant.


I had more missed calls yesterday and I rung them today to find out if it was them - yes it was - another guy told me that they are requesting proof of my savings from 1998. How the heck?! - I haven't even got bank statements from 6 months ago let alone all that time ago. I do feel that they have behaved really badly - aside from witholding my information they have dragged their heels from start to finish.


My question is what if I can't prove where I had my savings etc. - basically my parents "gave" me £7k and kept it (in their names) in premium bonds - this was to prevent me spending into it - I withdrew it eventually and used it as the deposit on my first house. So technically although the money was mine it was never saved in my name.


Opinions please? - do you think they will still uphold the complaint? - I don't understand why I am being basically investigated (it feels that way) - I believe it's down to them to prove that it wasn't missold not the other way round. I've told them that I didn't need it, surely that should be enough?

Halifax - SUCCESS August 2006

Woolwich - SUCCESS January 2007



Nationwide... you're next...

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I think you have proved to yourself why you shouldn't engage on the phone with them. They will try all sorts to wriggle out of your claim.


If it were me I would write to them and tell them that you have supplied all of the information regarding the mis-selling claim and that die to the lapse of time the records they have asked you for are no longer available. That is exactly the same wording they would use to get out of supplying SAR information so they can't complain at your taking that angle.


Also have a read of Appendix 1 of the FSA handbook (In the PPI Stickies) a you will find some more information on how a lender should deal with complaints and evidence from a claimant.


You can also tell them that continued attempts to frustrate your claim will result in a separate complaint to fos.


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Hi yes sorry it is to do with that thread. It's so strange because I logged on to my internet bank yesterday evening which I rarely do anyway and they made two separate £500 deposits into my account I think they said PPI + interest. Thing is, I have had no paperwork or letters to say how much the claim was or what I was entitled to or what I had agreed to accept. I am complining about 4 separate loans all with ppi. I am absolutely baffled - grateful obviously of the £1k in my account but a) one loan I calculated I had paid AT LEAST £1400 and b) why the two payments when I am complaining about 4 accounts????? I called them up and they said a letter had been sent out requesting further information. These figures do seem very random and it's extremely unlikely given that the loans were for all different amounts over different lending periods that the sums would equal exactly the same? I currently bank with Barclays if that makes a difference? Are Barclays in the habit of trying to fob people off with "sweeteners"? I am probably wrongfully presuming that they are compensation amoutns and that the real sum is still to come? I am totally at a loss??????

Halifax - SUCCESS August 2006

Woolwich - SUCCESS January 2007



Nationwide... you're next...

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I got through to Barclays again today who informed me that the 2 x £500 were gestures of goodwill as they have been unable to locate my loan agreements detailing any ppi. Even though they are able to send me a list of accounts, the monthly payment amount, the APR rate etc. - should I keep fighting??

Halifax - SUCCESS August 2006

Woolwich - SUCCESS January 2007



Nationwide... you're next...

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