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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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LloydsTSB & FOS

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Well, I'll keep the story brief, I put in a complaint against LloydsTSB, with whom I have banked with for the last 3 years, as I have been asking for an account upgrade from my basic account, which they still refuse to do.

I have run a good account, have my wages paid into it each month, which is well in excess of £2,000+, yet they won't upgrade my account! Now, the reason for having my account upgraded is, apart from the fact I would like a 'normal' account, is the fact their debit card only works in their LloydsTSB machine's. Now I work all kinds of hours, and sometimes very long hours, if I need to get some cash out I have to go searching for a LLoydsTSB cash machine!

I have aksed to be upgraded many times, and can see no reason why they cannot upgrade my account? I have not asked for any borrowing, and I present no risk to the bank as they no longer issue cheque guarantee cards, so where is the risk?


Now, my credit history is not the best, I have a couple of credit cards, one gets paid off in full each month, but what really annoyed me is I know of a few cases where they have upgraded a persons account after only banking with them for about 7 months, dispite having CCJ's on their account!!!


This is discrimination, and I reported the matter to the FOS, who have so far taken about 4 months looking into this, and I have just recieved a letter, telling me they are giving LloydsTSB upto another 3 months to respond! This is a joke!!!


BTW: Before anyone tells me to go to another bank, I like LLoydsTSB online banking service, its better than most. i also do not want to spend further years having to prove myself to another bank!!!

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  • 2 months later...

Go in to Lloyds and speak to the manager there, or a senior member of the team and ask them if they can upgrade you. I was in EXACTLY the same position as you 3 or so years ago. I spoke to a senior member who upgraded on his authority.

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Go in to Lloyds and speak to the manager there, or a senior member of the team and ask them if they can upgrade you. I was in EXACTLY the same position as you 3 or so years ago. I spoke to a senior member who upgraded on his authority.


I have already been in there a few times, they said they can't overrule the decision. they did phone up another department, but it was declined!

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