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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 
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    • 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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Egarbeaver v HSBC

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my response is to tell you they will give you one of 3 responses to this letter and your next - the lba. either a fob off (we'll look into it, it will take about 6 years!, the sod off (we are confident we are right and you can go to hell) or no response. take your choice - our advice for all of them - just stick to your schedule! good luck, welcome to the forum!

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Hi all, thanks for your responses.


yes, sugaredhoney, i did receive a letter of acknowledgement from them today saying that they will look into it after they have completed with thier investigations (whatever!!). The letter was signed by a Colin Landale. Looks like a standard letter


You were very right, lateralus about their response.


But like everyone on this site, am not budging - am going all the way!!!


Thanks, will keep you all posted.

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Thanks Siena.


Another question, can you claim for £10 card mis-use charges as well??


please advise. Also how do you identify the monthly interest charged by HSBC on your statements?? I cant seem to find any.


thanks guys

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  • 3 weeks later...



I called HSBC today and was told that they had made me an offer of £237 less than i asked for.


Do i accept or negotiate with them to use that to clear my managed loan which has a balance of £199 or proceed to court???


I know if i decide to accept as part payment and proceed to court, i will get the 8% plus £120 court fee but...........


any ideas!!!!!


thanks:???: :???:

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well, if you think they will do that - i'd cut off my right toe to get out from under the m.l. i don't even have one(an m.l., not a right toe) - but i think they are the most ludicrous piece of money grubbing i've ever heard of! on that alone - i'd negotiate to get it written off. it sounds like you are not desparate for a bigger slice of the pie and just getting that finished with would, i'm sure, feel like a weight has been lifted. go with your instincts. and i'm sure others will advise you - probably to go ahead and file your claim.

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Hi agian,


Well, I called hsbc today and put forward my proposal.... and was told by the lady she did not have the authority to agree to what i was proposing and that I should wait for my letter to arrive and put my proposal in writing.......


I guess its MCOL then. their 14days will be up tomorrow (6/02)



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Hello all,


I guess I can now join in the "Success stories" list. I called HSBC this morning after receiving a second offer letter for about £169 less, and told them i would not be accepting, was put on hold and she came back with an offer for £85 less, which i accepted


How do i make a donation........and can a Mod please move my thread.


It now to the ever stubborn and heartless Barclays...............


Thanks for all your help and advice, this site ROCKS!!!!!!!!;) ;) ;)

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