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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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Will_cosworth vs HSBC almost done! help needed!!

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Hi there guys, I am almost at the stage of being paid out, I sent my 2nd letter (LBA) with my charges, (total £2658.50). They have written back offering £2100, which Of course I am going to ignore, and I have already send my claim in via the Moneyclaim`website, which with interest and fees comes to £3400.


My main problem is that when I started my claim, I sent for all my statements in october. When I sent my initial letter asking for repayment on december the 16th, I included my charges for october and november and december in 2000, which they say they will not consider as they are over 6 years old. I am worried that this may give them an oppertunity to defend in court, should I send them a new set of charges not including theese 3+ the 8% interest they have incurred? or just leave it and accept £100 or so less? Any advice would be appreciated :D

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The 6 years go from when you first contacted the bank regarding unlawful charges. If you sent the template DPA request there is a paragraph in it that specifically mentions this. Send them this:



Thank you for your letter dated XXth January 2007


I first contacted your client regarding their unlawful charges on XX /XX/2006 and therefore disagree with your contention that some of these charges fall outside the scope of the Limitations Act 1980. However I am happy to let the court decide on this matter.


Your client should consider themselves fortunate I have not claimed charges going further back, since I believe that any limitation would be overturned under the terms of section 32 of the Limitation Act, due to their continued "concealment" of the fact that their charges are unlawful, or for relief from a "mistake.


I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, interest and court fees, which together with the daily rate of £0.XX now total £xxxx as of XXth January 2007


I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder.


I will be willing to withdraw my claim upon receipt of unconditional full settlement of my claim.


I am also not prepared to agree to any confidentially clauses you try to impose, unless of course your client wishes to make an offer of due consideration in addition to the amount of £xxxxx, in order to be afforded this privilege by myself.


I trust this clarifies my position.


Yours faithfully

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send dg a breakdown - a list of your charges plus interest plus daily interest plus court fee = total, reference your claim number and say, please find enclosed a copy of my breakdown (with that little equation and you claim number on it) address for dg on pg 2 of your acknowledgment.

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