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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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      • 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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Slacker75 Vs Lloyds

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Hello all, been lurking for a while.


Anyway, I'm stepping up and getting my money back. It's only about £300. But if I had a wallet with £300 in it and someone took it I'd call the police. So it's still money I should have.




September: sent off the DPA stuff. Got a load of stuff back.

November: they cashed the £10 DPA check!?

Jan 1st, sent the standard letter.

Jan 7th, received reply telling me that they won't give me my money back because their charges were clear when I took out the account and amusingly because there are a number of ways in which you can check your balance :confused:


Soooooo, here's my response. Basically the before action letter with added thistles.


Special D in the post tomorrow:


To Lloyds blah blah blah




I am disappointed with your response to my letter dated 06-01-07.


The terms of the contract which you agreed to at the time that I opened my account were an implied term of that contract. That implication being that you would conduct yourselves lawfully and in a manner which complies with UK law.



The clarity of the charges is not in question, their lawfulness is. In my previous letter you were given the opportunity to prove the lawfulness of these charges by providing a breakdown of the actual costs of ‘default’ charges. In the absence of the proof of the lawfulness of your charges I reiterate my initial request.


I calculate that you have taken £295.00 plus £17.00 which you have charged me in overdraft interest for the sum which you have taken. Total £312.00.

You can find a list of these charges in the DPA information I requested from you in September.


I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus a claim under ss.7 and 13 of the Data Protection Act 1998 plus my costs and without further notice.


Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act.


Yours Sincerely

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I calculate that you have taken £295.00 plus £17.00 which you have charged me in overdraft interest ( how did you get to this amount, its an awkward interest to calculate and you may well gain much more with 8% )

for the sum which you have taken. Total £312.00.

You can find a list of these charges in the Data Protection Act information I requested from you in September.



You have to supply a list of charges and have you added 8% on the spread sheet, how long have they owed you the charges when was the first taken?


Depending on the length they have held your money depends on your 8% return as it is like a borrowing interest.


you need to use the letter in the templates



And print a spreadsheet of charges but delete the 8% interest columns as these are only added at LBA.



If you choose to redo this section when you do send your LBA I would stick with a standard LBA provided, the banks are receiving them in the 1000's as soon as they see it they know you are not alone and with out some kind of guidance.


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Thanks for the info


I have edited that part prior to sending so it just has the total value of charges (no interest or anything on there).


However I still haven't included a comprehensive list as they already have access to the charges that they have made against me.


I also don't mind if they think I'm one person on my own, the first letters I sent were the copies from here and they're treating me as a single case. I'll take it to the wire.

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