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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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Lloyds bank and daughter

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Hi Guys


More money problems in our house :-/


My daughter has a lloyds tsb problem


She was laid off from her last job on 5.7.13 and she got a new job and was due to start on 5.8.13 she is a nursery nurse so had to have a new DBS check (crb) the problem is it is not back yet to this day therefore she can't start work she did go on 5th August but they sent her home


Anyway se has a bank loan with lloyds which isn't a problem never missed a payment so they have said she is due a "payment holiday"


The first problem is credit expert they charge her card 14.99 a month she has cancelled it twice they have emailed back saying thanks for your cancellation please ring us she emailed again saying I don't need to ring please cancel and they sent the same message back they are continuing to charge her account making her overdrawn


At present she is £48 overdrawn in credit expert and bank charges she rang the bank this morning they have waived charges due to go out on 1st oct she has another £10 going out tomorrow which they won't waive they also say they can not recall credit expert she needs to contact them


My question is what can she do? We have no idea when she will start work therefore no idea when she will be paid can they continue to over draw her with bank charges and then charge her bank charges on bank charges if that makes sense


Thanks guys all help appreciated

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Was this set up on a debit card regular payment? If so she should DEMAND the bank ceases all payments to CE and makes charge backs on ALL the payments taken after her cancellation.


The FSA has ruled the banks MUST do this.

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Hi Brig


Yes it was indeed a debit card payment the bank initially told her they were due to take yet another payment on 27th sept and she said I have cancelled it though he told her there was nothing he could do until she spoke to CE


after a while he agreed to stop the 27th sept payment from going but claimed he could do nothing about payments already gone


Thanks for your reply

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I guess it's down to 'insisting' very loudly if necessary that these payments are reversed immediately, tell the bank to refer to the FSA statement on recurring payments.



Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi guys


Daughter not having much luck with bank


She also has a bank loan with them I never mentioned it in my first post because when she spoke to them yday they sed she was eligible for a "payment holiday" she just had to ring today to sort it


Now she's been told she not allowed a payment holiday and they have took this months payment of £60 out of a overdrawn account and they are saying there is nothing they can do



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  • 3 weeks later...

Hi M&M,


Did you write to the bank to insist that the CPA to Experian is cancelled, and asking for payments made since the cancellation to be returned immediately.


If YD is having Financial Difficulty, the bank has a duty imposed by The Lending Code to consider refunding default charges and stopping any further charges and interest being debited from her a/c.


See here - http://www.consumeractiongroup.co.uk/forum/content.php?557-Letter-for-an-application-for-consideration-for-hardship



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