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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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Heatengine v Halifax

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Hello to everybody, just wanted to say thanks for the running of this superb site, it is good to be able to fight back.

To keep you updated I've only just started out and had the bank statements back. I'm doing this on behalf of my wife. just totalled it up and comes to over £2500!

So I'm now onto the next stage with Halifax, so far they have sent everything back on time as requested although they didn't total up the charges and said they were not required to carry out this "manual intervention"

I'm quite prepared for court if it go's that far. Any comments/help welcome. So far so good:)

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Hi Heatengine,


Welcome to the site!


Not to worry about the manual intervention that simply means they have no evience to back up any arguments regarding actual costs. The Haifax are one of the easier banks to deal with. Start a thread in the Halifax forum where you will get lots of help and support from other Halifax claimers.


Best of luck



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Hi Heatengine -- First of all - welcome and good luck. I too am claiming against halifax for £2281. I sent my first letter requesting a refund on 2 December. I received an offer of £1445, to which I sent off a partial acceptance combined with LBA. As the deadline for responding to the LBA was today and I'd not heard anything further, I telephoned them - they are going to send me a new letter, offering the full amount!!!! Have a look on my thread for the timescales - I think mine has been really quick . Good luck with your claim. This is a brilliant site and you'll get lots of help, support and encouragement.



Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.


All in all, quite busy at the moment and enjoying every minute of it




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Thanks for the feedback, just read your links jaxads - that is spot on and a good morale booster. It is daunting taking on such a big organisation congratulations! Just got a quick question if anybody knows.. I've totted up everything and am in process of putting together my 1st letter detailing costs and have found the link to vampiress's spreadsheet which gives options of adding everything up with or without interest. What is the best solution?? I've read a few links saying to add interest only when going as far as court. But a few links say to add interest at my stage??? any advice??? :(

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HI there you can claim for judicial interest at court stage (8%) which you dont put in your prelim letter or your lba, or if you like you can claim for contractual interest as some have done, for this you would need to read up a bit more so you know what you are getting into, if this is the route to take then you need to mention it in both prelim and lba as either authorised borrowing rate or authorised borrowing rate, hope this helps.

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Hi All,

been a member of this wonderfull site for sometime now and due to finacial thingys only just filed my claim online against the HALIFAX for 1600 and odd quid. Thanks to everyone for all your help.........you know who you are :)

Just like to say that as soon as they settle I will be contributing to this site!!!!!!!!!

TATA for now folks

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Hi your posts moved here into Halifax bank group.

I have sorted you a thread title too.;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.



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Thanks George for the advice... Don't s'pose you know if I add up the interest they charge me aswell for being in an unauthorised overdraft area?? :confused:


Or am I just looking too deep! Do I just keep it simple and stick to reclaiming the bank charges! :oops:

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  • 3 weeks later...

Thanks for all the feedback, decided to just claim the charges with no interest yet unless it gets to court stage.. Just put it all onto a spreadsheet and done the letter so I'll get that sent off tommorrow - sooo satisfying to be able to fight back! :D

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