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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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Understanding my Statements

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Ok I'm not thick, honest! :oops: I do have my Flex Account statements (or the vast bulk of them going all the way back six years) but I'm finding the charges confusing. For some months I seem to have a separate statement of the charges incurred, but they are also listed in the main statement. So need to understand are they duplicated on the charges statement? Just a tad confused and don't want to start off by sending a claim that isn't correct.


Thanks in anticipation.

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Hi MandyNI!

U will have to double check with a fine-tooth comb I'm afraid.

(...No-one said it was going to be easy!...lol).

U can Claim for the unlawful Charges and their Associated Interest Charges from the date that they were debited from your account.

Nationwide have become a tad devious of late and from my own personal experience, they have put down Return DD Fees as INTEREST on my Charges Statement, just IMO to try to confuse the unwary!

Hope this helps?!

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Allow me to assit, I currently work for Nationwide and I can sort out the confusion.


The only respectable thing about the way Nationwide claims these (unlawful!) charges is they apply them to the account twenty eight days AFTER the next statement which is preferable to whipping them away right away.


So if I were to go overdrawn now the charge would be notified at the bottom of the statement I get at end of Jan. The charge would not come out of my account until the end of Feb (ish).


Therefore I suggest your best bet is to total only the charges that appear in the main body of the statement (the bit with columns).


hope this helps, if I can help anymore let me kno.w

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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Thanks that's helpful indebtstudent. I'll have another look tonight and start completing the spreadsheet later this week.


I think I will have to wait until my o/d is paid though as I don't want them pulling the plug on that because I'm being difficult lol! Just want to get it prepared and see what it looks like first.

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How long will you OD take to clear?


If they take that away and add more charges it's just more you will get back...


I would just add up the charges when they appear in the main statement. See others on here for details of calculating the interest (I understand this can be done from the date the charges were applied, over six years that's a lot and worth claiming).

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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when i started totalling up my charges it took me ages to understand the charge sheet (separate to the statement) and the statements, so just hid the charge sheets and counted all the charges on my statements that way it didn't confuse me (so easily done!!) good luck with your claim btw :)

BOS 1st Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 2nd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 3rd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 4th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 5th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

Nationwide - Prelim sent 8/1/07 LBA sent 18/1/07 Court Date 17/7/07 WAITING FOR TEST CASE

LX Direct - S.A.R - (Subject Access Request) sent 8/1/07 LBA sent 9/7/07 Got 50% off total - settled and closed account 10/9/08

Studio cards - S.A.R - (Subject Access Request) sent 8/1/07Credited to my account, account cleared! 4/6/07

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Thanks for the help, I have now managed just to list all my charges (just around £1500) and I'm just missing two or three months so not sure I bother to get those statements tbh.


My O/D realistically will take me six months or so to clear, as I have a lot going on this year and I don't have oddles and oddles of disposable income right now

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