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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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Bank Charges repayment rejection

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I have received a letter back from my bank (LloydsTsb) saying that " they cannot agree to cancel my charges ( approx £2500). They say that the new guidlines refer to 'default' charges and are not the same as charges for say going over the overdraft limit, this is not a default charge as I have not boken any agreement. They are prices that they charge for services provided. Has anyone got any advice as to how I proceed from here???

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Hi Welcome to the site.

Can you expand a little on this ?

What exactly were the charges for ?

and what account is it you have and with which bank ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.



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Hello Martin3030, I have formerly requested the charges on my account for the last 6 years, which they (Lloyds Tsb) provided. These charges were a combination of o/draft interest, unpaid d/d or s/o, o/draft excess fees. I have totalled these up and asked for them to be repaid back to me.These charges amount to approx £2500 and they have written to tell me that they cannot agree to cancel the charges.


They mention the OFT's thinking on credit card default charges and that they currently do not agree with the OFT and are in discussion with them. They state, and I quote " that the important bit is that the OFT's guidlines are about 'default' charges that people pay when they break an agreement with them. The fees that they charge for dealing with my request to go over my agreed o/draft limit is not a default charge because I have not broken my agreement. They are their prices for that service provided in that situation".


I can send a copy of the letter if you like or provide more excerts from it - but thatis the essence of it, what should I do now?

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Hi Tricky54,

I have just recieved a similar letter this morning from lloyds Tsb. I had also wrote to them asking to have my last 6 years worth of bank charges refunded, totalling £815.00. These were also charges for returnded DD and unpaid cheques ect. I also dont know what to do now. I would be gratefull for some advice from all. Thankyou.:)

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I have just received this list of charges made to me by my bank, Lloyds TSB over the last 6 years. In total, the sum of over £800. I was going to apply for them to be repaid, but reading other peoples replies from said bank, is it worth it? How do you deal with their claim?:confused:

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