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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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Hello everyone,


I need some advice regarding my claim and I would be grateful of any replies.


I am claiming £780 in charges and £220 (approximately) in statutory interest from Lloyds.


I have filled in the MCOL and have been notified that the defendant has been served with the papers. The deadline for Lloyds’ response is Saturday (6 January).


Today I have received a written offer from the bank of £750.


However, although this amount almost equals the total charges, it does not cover the interest; and neither does it cover the fee of £80 (which I have paid to MCOL)


I have a few questions...


1) Shall I accept the offer as partial payment, but continue to pursue the full costs (i.e. including the total charges, plus interest and the £80 MCOL fee). Or, should I just accept the offer and leave it at that.


2) Now that Lloyds have written to me with an offer, can they consider this as meeting their 14 day deadline? Or do they still have to contact the courts with a defence/acknowledgement etc?


3) If I do not pursue this through the court, can I get a refund for my £80 MCOL?


Any replies appreciated.



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Hiya Charles

This is a common prectice by LTSB of late.

Accept this gesture as part settlement, write them a letter to that effect and continue to pursue them for the rest.

I can't comment too much on the procedure for this on MCOL, as I took the N1 route, but there are references to this in the templates library.

You cannot get your MCOL fee refunded, btw.

Hope that helps . . . there are plenty of people who've posted threads on this in the LTSB section, so a bit of reading will put you straight

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I would strongly suggest you refuse their settlement offer in writing. You have already filed the claim now and to ammend it will cost you money which is non-recoverable. They still have to contact the courts.


One word of advice - you will likely find they pay this money into your account regardless of what you say. Don't spend it!

Mindzai & Lucid vs Lloyds TSB


Mindzai's Account - Partial settlement offer rejected

Joint Account - Partial settlement offer rejected


Spreadsheet for compound contractual interest and statutory (s69) interest:

Download v1.9 [Tested with Excel 97-2007 and OpenOffice 2]

PLEASE NOTE: You should fully research contractual interest before you use that functionality of this spreadsheet. If in any doubt please use it to calculate 8% interest under s69 County Courts Act 1984.

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