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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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where do I start???? HELP!!!

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Ok here is the stage I am at. I have 6 years of bank statements sitting on my desk in order (nice large wad of them) and I have a highlighter. What can I claim for and what cant I claim for. I have a HSBC account.


I know there are loads of FAQs but the truth is I am bamboozled by them. Isnt there a simple step by step guide???



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welcome to the forum,

it can be a bit confusing, this is the most important part:

Newcomer? Here's A User Guide move on when you are comfortable with these guidelines.

you've got you statements so you are ready to begin.

see if this helps you:Charges description on statements - Please Read


my advice - mark e verything with a DR (including overdraft interest)next to it - then compare it to the list above.

when you've got them all marked. start with the spreadsheet. Spreadsheet with interest using this one if you are including o/d interest:

England - Advanced - Excel

England - Advanced - Works

if you need more help than this, i can offer a simplified approach- try this link: post number 9 HONEYGIE sees you HSBC! (multipage.gif1 it has helped a few people who found the other explanations hard to understand.

then, when you've completed the s/s, you go back to the step by steps - and send the prelim letter, and proceed from there. if you have more questions, just ask - hope this helps you get started.

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  • 3 weeks later...

Ok, I have gone through my charges and got it all down and sorted. I am on to the interest and have seen the spreadsheet and HELLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLPPPPPP!!!!!!! I assume that overdraft interest is interest that is gained whilst you are within your overdraft (which for me is 364 days of the year). Compounded interest and all these words are all new to me and dont know where to start!!! HELLLLLLPPPPPPPP





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melech don't panic!!!!

put all the details you have onto the spreadsheet and you will see the interest work out for you automatically.

pain in the butt - but it works (somehow)!!

if you're still in trouble - pm a site helper or wait for good ol lattie to come back and explain it again - or go over the honeygie link until you understand it a little more.

hope this helps


If i've been helpful in any way....then tip my scales over there!

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does anyone who has done this and filled out Vamps's sheet have msn / aol / google? I wouldnt mind chatting this through with someone? I am still somewhat in the dark.... And to think - I passed GCSE maths as well

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melech - go back to the post above where i gave you that link to honeygie's thread - post number 9, read it again - and do as it says step by step - i promise - you'll get it! just take it slow - get back if you still don't get it - but try again - step by step as it's explained. bet you do it next go.

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