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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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Debt problems

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Hi there everyone


this is my first time on this website and so far it seems that you helped loads of people.I hope you can help me as well.I'll give you a description of my case and maybe y can help me because i'm lost .I had 2 credit cards (egg and barclaycard ) which i stopped paying them (nearly 2 years ago)because i couldn't afford to make at least the minimum payment.4000 with egg and 1800 barclaycard .obviously they add up (last week ) at 8900 My question is :can i ask them to drop the interest , solicitor's feesand all the extra charges ?i would like to start repaying everything but i do think it's unfair to pay them back money which i haven't used .Which is the best way of approching them ?(they put me on the debt colectors agencies ) should i contact them or the credit cards companies ?

thanks i hope y can help me because i'm getting stressed out really bad :(:sad::sad::sad:

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Hi Raoul. You need to contact both. Send SAR to credit card companies enclosing £10 and sending by recorded delivery. Send CCA request to debt collection agencies enclosing £1 postal order and also send by recorded. You will find both letters in the templates library.


You will be able to claim back all the charges plus interest. This will probably substantially reduce the debt and any even wipe it out depending on how many charges they have applied.


Good luck and keep us posted.

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Hi there stansfield

thanks for your help so far .i called today national debt line and they said i can't claim back the charges and interest because the credit cards companies are entitled to apply charges and interest to accounts in areas just because it says on the contract i signed when i applied for a credit card .Does anyone know smth about this ?I think it can't be true .i'm sure of that .anyway i'll keep you posted with every step.THANKS and have a good day everyone .

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Please make sure your read the FAQ's and threads on this website carefully. You cannot claim for interest applied on your account, only for interest applied to charges which have been levied unlawfully (late payment charges, over limit charges etc). Please go to the individual forums for the cards you hard and read as many threads as you can which will help explain the process.

Good luck!!

If you think my advice has been helpful, please click on the scales to the left :) thank you!


Non illegitimi carborundum



I wish I was a glow worm,

A glow worm's never glum!


How can you be grumpy,

when the sun shines out yer bum?! :p



Amex * 2 *** WON *** Settled

Marbles ****WON*** In full settlement

Capital 1 ***WON*** In full settlement

MBNA ***WON**** In full settlement

Barclaycard ***WON*** In full settlement

Barclays Bank - ***WON*** In full settlement

Abbey ***WON*** In full settlement

Abbey (Mrs Chorlton) ***WON*** In full settlement

Abbey (Mr and Mrs C) - MCOL submitted 16/5/07

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