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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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Hi there, I'm new! (Natwest problems)

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I was given this website address off a friend to help me sort out a small problem I'm having with Natwest.


I'm hoping someone can help me, please?


I recently (November) opened a gold account with Natwest, which charges £12 a month. I originally didn't want the gold account, just a normal account, but I was told if I wasn't happy after 3 months then I could cancel it and get a full refund of £36.


I started a new job and at the time of opening the account, I had no money in it. They deducted the £12 from the account, putting me overdrawn and charging me £28 in bank charges. This was on the 30th of November. The next day (1st of December) they added another £28 as it was the next month. I didn't know anything about it till January when I got a bill through for £7.88?!


I was confused and so I phoned them.. They told me I owed them £120! I went to the bank and said I wasn't happy with the gold account and so they downgraded me to a normal account, rufunding me £36.

But... they still want me to pay £84 in bank charges even though the money that put me overdrawn in the first place has been refunded!


I know it's my fault for not having the money in the account to pay for the account in the first place, but is it really neccessary to charge me such a ridiculous ammount of money in bank charges? :(

I haven't even used the account yet.


I haven't paid it yet. I've got till the end of the month before they charge me a further £28. I was wondering if there was anything I could do to avoid paying it, or if there was any way I could reclaim it if I do pay it?


Any advice would be really appreciated. Thank you. Laura x

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Don't pay it Laura. You say you have no money in there!!! So ALL the arreers are thru bank charges. How funny.


I would start a claim as soon as you have been charged. I would also call them and threaten legal action and a letter to the financial ombudsman. How cheeky can these people be!!

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Welcome to The Consumer Action Group and welcome to the world of the NatWest bank.


Get the Daily Express tomorrow and you will read more stories of oppressive treatment by the NatWest.


The charges are unenforceable anyway and of course they have pushed you to take an aco**** which you didn't want and which you didn't need.


Many of the banks are associated with irresponsible selling of their products.


I suggest that you start reading the forum material and when you are comfortable wit the teps and with the forum layout, start claiming.


You will get your money back and with a small amount such as yours it will probably happen quite quickly.


Start a thread in the NatWest forum where you can meet all of the other NatWest victims.

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Thanks for the advice :)


I'm sorry for not understanding fully. Is it best to pay it then claim it back? Or is writing/phoning them likely to be enough to not have to pay it?


I wouldn't know who to phone/write to or what to say.


If I don't pay it, they'll keep adding more interest on, and they could ruin my credit, couldn't they?


Sorry to ask so many questions.. I'm not really sure what I'm doing. I'm tempted to get myself a safe and just keep my money under my bed. :(


Thanks again for any advice


Laura x

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