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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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we'dlikethebanktosayyes v HBOS

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Recieved 106 pages of bank statements just after a letter from HBOS, the letter was among the nicest I've recieved apparently they "really want to help us" :rolleyes: aaah is'nt that nice!.


Just added up the charges between Jan 02 and Mar 06 and they came to £4638 (No wonder were skint!). In one particular 3 week period we were charged £316. How can a bank justify this?.


We will now send of letter 2 today will keep you posted, lets see if they really want to help.

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Just popped into Halifax Bank to deliver the 2nd letter requesting repayment of their illegal charges. Met a very nice man who smiled :D and asked how he could help me, I explained that I had brought a letter and would like a receipt for it, he opened the letter, his smile vanished:-x , he stomped off and returned with a scribbled receipt which was thrust into my hand:((Ithink he was a little bit upset:rolleyes: ). I beamed a big thank you smile :D and said "its a pleasure doing business with you" and flounced out. I'm really beginning to enjoy this, even if we don't get anything back it's nice to watch them squirm.:D

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Guest willowb

And just work out how much it might be with interest if you have to file a claim!!!!! :D :D :D


Good luck hun



P.s Kate...love the new avatar....simply stunning!:)

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Hi -- just follow the advice and timescales on this site and you'll soon have it all back!!! Have a look at my thread for details of my experience of the Halifax --- enjoy --- jaxads x



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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I was charged very heavily by Lloyds Bank but it was over 6 years ago, I read somewhere that this is too long to claim the charges back , is this true?.


Also I have an ongoing claim with Halifax and it is for £4638 before any intrest is added. Am I correct that a claim must be under £5000 or it can't be dealt with by the small claims court because if this is the case I will have to disregard the intrest.


I would appreciate any info on these subjects.

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I will suggest that you request for charges in the past 6 years because the banks are using Limitation Act 1980 to try to argue to have cases thrown out.


Your claim with the Halifax for £4638 can progress now because claims below £5000 are allocated to small claims track. You should add interest to your claims. Do not be scared of exceeding the £5000 mark because you can still file it through MCOL and claim your money back with full interest. Many others in this site have done it successfully. Why not you? When the court allocate the case to fast track or multi track, the procedure may change but the process remain the same. Do not disregard the interest.

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Good Luck


And just to be picky - not illegal charges - unlawful charges:rolleyes: :D


30th Oct 06 - 18th Jan 07 - Success in claiming £3617.95

HALIFAX 2nd claim

5th Mar - 16th Apr - Success in claiming £176

EGG (3 accounts)

20th Jan 07 - SAR posted

17th Mar 07 - Paperwork received - bits missing

19th Mar - Non-compliance for missing bits posted

9th Apr - ICO complaint filed


20th Jan 07 - SAR posted

21st Mar - Statements received

23rd Mar - Prelim posted

31st Mar - Offer for £30 rec'd

10th Apr - LBA sent

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We have sent the letter requesting a refund of bank charges on 10/01/07 and are awaiting a reply but have not included any interest what I am concerned about is the amount we are claiming is £4638, should we need to go to court we can add on 8% interest of £371 and £120 court costs which would then make the amount we are claiming £5129. I was advised that the most you can take to a small claims court is £5000 so if we need to go to court is it advisable not to add on the interest or the court costs to keep it under £5000, are we allowed to round it off to £5000. I hate to let the banks walk away with any money that they owe us as when they took the charges they left us in severe financial difficulties which we are only now getting out of.:confused:

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If you go to the search bar at the top of the page and enter over £5000, plenty of threads will come up. And the more you read the better

Good Luck with Your Claim


Angi x



:) If I have been of any help, please click the Scales of 'Justice' in the botton left corner. ;) Thanks

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Guest Mumofthreeboys
I think you should be ok as I'm pretty sure the interest and court costs do not count in taking you over.


You are quite correct. The ceiling of £5,000 is the value of the claim only and doesn't include interest or costs.

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They will take it that far so read the faq and prepare yourself to take them to court also you only add the interest at court stage. but make sure you do add it then. if you dont they will think that you dont know what you are doing. and you might not win your case.

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  • 2 weeks later...

Went into Halifax to withdraw some money yesturday and was told that they had frozen my account because my credit card was in arrears, finally after 8 calls to different departments and 3 trips to the bank they decided that I could have the money if I opened a saver account and transferred the money into that account. Isn't it strange that this has happened the week after they received my letter before action, claiming back the £4638 that they took from us, so just rang their complaints line and was told not to belive what is written in the press,that the bank charges were lawful and that if it goes to court they would probably win. He also said they don't have to follow my timescale they have their own, I agreed they don't but I'm still going to follow my timescale and am going to court to fill in the paperwork this Friday, part of me is almost glad that they want to take it this far.:p

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Can anyone answer a fairly simple question , how much time do you allow between sending the LBA and filing the N1?. They recieved the LBA on 25/01/07 and I was hoping to file the N1 on Friday 02/02/07 is this allowed or if not how long should I leave before I do it?.:confused:

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write to them and TELL them to leave all your accounts alone as they are in dispute, and they DO have to follow YOUR timescales if they want a chance to defend their VERY unlawful penalties once YOU'VE started proceedings. their complaints line are full of poo



Halifax £3600 charges, won with C/I £6400


NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.


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Just received an offer of £3592.00 on a claim of £4638.00. Obviously we don't want to accept this, they want us to sign a form to say that we accept it in full and final settlement so we would rather just refuse the offer(instead of accepting in part payment), don't want any confusion. So I am going to write to them telling them this, do I have to wait for their reply before I go to the courts to start proceedings or can I go asap.?

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