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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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Hi guys.....I'm new here!!!

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Hi everyone......just wanted to say hello.... this is my first post!!!! Been 'tottering' (...I'm not very techno speedy!!!) round your very friendly site.


I've successfully claimed all my bank charges back....an now turning my beady eye to ERC's - to be precise...three in last six years (to fund my business growth) an totalling nearly 20K. Flippin daylight robbers...just like the banks!!!


Lookin forward to gettin to know you....and thanks for the warm welcome.





2006 RatNest - Personal a/c:

JulyLBA, Aug Filed Claim, Oct Settled in full £7,000


2006 RatNest - Ltd Co a/c

JulyLBA, Aug Filed Claim, Oct Settled in full £8,000


2006 RatNest - Hub's a/c

JulyLBA, Aug Filed Claim,Sept Settled in full £1,000

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Hallo lellypea


Congratulations on reclaiming all your charges without making a single post, I guess it proves that all the information IS in here, you just have to persevere sometimes.:)


Like you, I've already reclaimed my bank charges but am turning my focus to a large mortgage ERC.


I look forward to hearing your progress in the Mortgage Forum.


Loads of Luck

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Hi Kate


Thanks for the welcome an nice we're on the same mission!!!! I'll watch out 4 u too on 'Mortgages'......had a little peek already.....Zoot is a real little whiz on her 'scoot' isn't she!!!


Have just rec'd all transaction data back (they took the full 40 dys!!! Why is that NOT a surprise!!) Some items on Redemption statements are

hard to understand so will have to get my head round details before my



I'll keep you posted.


Best wishes



2006 RatNest - Personal a/c:

JulyLBA, Aug Filed Claim, Oct Settled in full £7,000


2006 RatNest - Ltd Co a/c

JulyLBA, Aug Filed Claim, Oct Settled in full £8,000


2006 RatNest - Hub's a/c

JulyLBA, Aug Filed Claim,Sept Settled in full £1,000

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Hi guys and girls, just joined after getting 2 letters from Halifax charging me nearly £90 for going £100 over my overdraft limit. And a happy xmas to you too, Mr Bank manager!! All help gratefully received and (as an ex-copper and now divorce lawyer) if I can be of assistance, please ask!




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Hiya lellie and naughty


yes, zoot is a whiz in the mortgage forum, which lenders are you going after?


welcome naughty, as a divorce lawyer....i'm sure you'll come in useful!! :D .....................and as for bank charges, well make your next post in the halifax forum and let us know how your claim progresses. Halifax has a more pleasant reputation than some of the other banks, so it should be straightforward, especially on low amounts.


good luck:)

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