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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
      • 162 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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Dear All,I have been logged into this site for about 2hrs now and I am absolutely amazed at what you have all achieved,well done! I am hoping to be able to have some of your success.I have banked with LTSB for about 10yrs and have always felt that they have had the upper hand.I have 3 accounts with them and have always had large overdrafts,in one month they charged me over £400 in returned dd and other "charges" which meant that they bounced my mortgage payment which they then charged me another £35 for!

The ultimate worry came when they sent one of the 3 accounts to "central collections" and the first I new about it was a phone call one evening from a call centre asking me to repay £2500 in full! I agreed a repayment plan with them only to find that the next month there were more charges on that account,I repaid £50 to be charged £70.I have tried to make contact on numerous occasions with my branch to be told that I must deal with central collections only.The next worrying thing is that they have told me that the rest of my accounts will also go to central collections and they will "consider" me for a loan to cover the overdraft amounts!

Please help me! Where do I start with my claim for charges? I have read the FAQ's and if I'm right my 1st port of call is to fill in the "subject access request letter" and send it to :


Attention of data controller

LLoyds TSB bank PLC

25 Gresham St




Then do I continue to proceed with my case in the small claims when I know the total amount,What is the total amount? (How do I find that out?)


This is all new to me and I am a little weary of taking on the big boys.

Many thanks!!

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Hi and welcome!


Once you get all of the information from your SAR back and have calculated your total charges for each account, you will be ready to being. The first letter you send is the preliminary approach for repayment in the bank templtes library. After giving them 14 days to respond you proceed wih a Letter Before Action giving them a further 14 days. After that you will be able to file a claim against them.


You will probably have a little while to wait for your statements so there's plenty of time to familiarise yourself with the whole process and in particular how Lloyds tend to go about the process.


Good luck. Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06


GOT A COURT DATE? A guide to the later stages



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Hi and welcome!


Firstly, read the Frequently asked questions. And then read as many of the threads as you can.


Send the SAR to the above address and then wait until you receive your statements. While you are waiting, read as much as you can. There is no such thing as too much knowledge!!


When you get your statements, add up all the charges, then send a preliminary letter. All the templates for the letters are in the template library.


So, good luck and just take one step at a time.



Spotnot v MBNA and their nasty solicitors (on behalf of my friend)


If I have helped in any way, click my scales.


Remember, we were all newbies once!!


When you win, donate!!!


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Hi and welcome to the forum. The address that I have for the SAR is:



Drop Zone C49

Charlton Place


Hampshire SP10 1RE


Thats the address that I have sent all the info to. Phoned them up today to be told that they have received the info and passed it on to their "paperwork" department. Suppose the first address would do as well but its DSAR that deals with it.

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