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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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smileymike v Abbey

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Hello to everyone out there.

I was directed on to the site several weeks ago and have been cheered by reading the success of many of you in reclaiming charges.


I am now taking up claims against Abbey for a joint and sole account and doubtless will be looking for support and guidance.


Good luck to everyone.

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Before you start please have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of these out to refer to, so as to avoid having to ask basic questions later.


Then look at other threads in your bank’s forum, so as you know what you can expect to happen


You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily. Here’s one to start with, which you should find useful later:



There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time


This is a self-help forum and you must be prepared to put in time and effort. It is your claim, your money and you cannot expect others to do all the work for you.


When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help


All the info to get you started is here:



Finally the Moderators and Site Helpers are having to spend far too much time dealing with unnecessary and avoidable errors in claims caused by impatience, ignorance or just plain laziness. If you don’t know what to do next, ask. If you don’t understand something, ask. It might be a dumb question, but it’s a lot easier to sort out than a dumb mistake.


Good luck

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  • 1 month later...

can someone help me here.


I have collated all my statements for the past 6 years and have calculated both the totals of illegal charges levied by Abbey and I have calculated the total amount of interest due to me.


If the Abbey had not levied the charges on my account I would have effectively maintained good credit balances with them. It is only because of the charges that I did not.

When they returned my direct debits and cheques unpaid, I additionally incurred penalty fees and or charges from the payees. these are probably several hundreds of pounds.

Now it seems to me that as this was in consequence of Abbey's action and should somehow be recoverable.


I am now at the final stages before making a claim in Court. Can I calculate and include these other costs or would I have to make a seperate claim once the first is settled.

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You are able to ammend the claim ammount right up to the point of submitting your claim through the courts. Once you have submitted through the courts it becomes a little harder to adjust your total, although it can still be done by making an official ammendmant at the cost of £35 which is not reclaimable.



Don't be like the banks - give a little back



:D NAT WEST - WON - £4282.36:D


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My first claim was issued in Court on 2nd March sent to Abbey on 5th March and would have deemed to have been served on 7th March. Accordingly Abbey has until 21st March to reply.

I am now told by the Court that Abbey have said that they intend to defend and they therefore have until 4th April.

Is this a normal Abbey delaying tactic and what should occur after 4th April?

The claim is for £800+ and is for penalty charges on my wifes sole account but I have a further issue with Abbey on the joint account, which with interest and charges will amounts to over £6000.


My dilemma is this.


Do I wait for the outcome of the first case before proceeding with the second or hold fire until I get a satisfactory conclusion?


Abbey have been putting the pressure on my wife by completely withdrawing overdraft facilities from the end March. She has not incurred any penalty charges since October 2005 and her salary has always been paid directly each month into her account.

Additionally they have not provided a new cheque guarantee card merely an Electron card.

The last series of charges in October 2005 represented fees of £30 for an advice that they are paying an item for £8.60p and one for £35 for paying a debit of £4.00


Do you think that there could be a case for the Financial Ombudsman to look at here?

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