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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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**S Smith vs RBS** ....some qus please.

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Have two accounts with RBS...Student and Savings - I imagine I've run up charges of nearly £2k on the Student one and probably £200 or so on the other.


Anyhow, Wrote to both branches (student account was opened up in Scotland and Savings was opened where i live now, in England) on the 20th Dec. Had no reply so decided to ring both branches today - both said that no letter had ben received but they would request statements and I should expect them within 7 days.


Browsing through the forum I see people have been making seperate claims when they have two accounts with the one bank. Is there anything wrong with me doing it all under the same one claim?


Also, I would prefer to take the complaint directly to customer relations (as opposed to going through branch).....should I address my letter simply to 'cust relations' or could I use a person such as 'Tommy McLean" who I understand deals with a lot of these.


Sorry if these qu's appear silly - its just that I'm a bit nervous at 'taking on' a bank.



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No reason you can't merge claims.


Bear in mind if you are now in scotland, small claims court has a limit of £750 so would need to split your claims down into pieces.


I used the customer relations address on the RBS website that you should write to if you have a complaint.




If I've been help to you, click on my scales and add to my rep! :wink:



Stuck with RBS charges?

Click here!!



RBS Current Account1 £2794

RBS Current Account2 £503

HBOS Credit Card £498


Still to Settle

Barclaycard Est£180

If my post has been useful, tip my scales and let me know


Always start with the User guide!

Stuck with RBS charges? Click here!!



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Thanks for that.


Recieved the statements for my student current account today and the charges come to £700. Should get the statements for my other account in the next couple of days. I estimate the charges for that one will be around £500.


I have a small concern though....My student overdraft limit is 2k and I generally operate close to that limit each month. What is the possibility of RBS calling in the overdraft once I make this claim? This would be a MAJOR problem for me since I wouldnt have the funds to pay this off (at the moment anyway).




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I don't really know.....we can't second guess the banks. They might, they might not.


If you don't muck up and go over your overdraft they don't really have any reason to.


I wouldn't like to say categorically no they won't because they could if they wanted to. Do a bit of reading, search for keywords relating to your questions see what comes up.

If my post has been useful, tip my scales and let me know


Always start with the User guide!

Stuck with RBS charges? Click here!!



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All I know is my experience - I, like you operate fairly close to my £1500 overdraft so this was also a concern of mine. Just after I started this process I received a letter requesting I go into the bank to discuss my overdraft facility....'here we go' I thought but when I phoned them they tried to make out it was my annual review but thankfully I could remember when that was due and it wasn't due for another 6 moths so I pointed this out, made her tell me it must be a mistake and asked her to show this on my file. I then phoned back later that day and asked someone else who confirmed it had been done. I haven't heard anything else.

In saying that I'm due my claim from them soon so maybe the tone will change when I have money they can take back off me!!

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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Thanks for your replies....I guess this is a risk I'll just have to take. Received second set of statements today and total charges come to £1100ish (wont put the exact amount here in case RBS are watching - lol). Going to mail my initial letter in an hour or so to Cust Relations at South Gyle.


Will keep y'all updated as and when I hear anything!!

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  • 2 weeks later...

Well today was my deadline (gave them 10 working days) and thus far nothing from rbs. I emailed sandy watt a few days ago who said, "because of the volume, we do not ackowledge letters however I can confirm we have reveived your and expect a response in the near future".....Going to fire off LBA before 5pm today - can I also email the LBA?

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I sent my Prelim the same day you did and recieved an offer for the full wack today!! you can do it all via email if you like, saves the cost of postage.


Congrats & well done!!


I think I may just email them now.....saves the trek to the PO in this freezing weather!

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Telewest v RBS


Telewest v A&L


Telewest v Halifax



If I've helped - hit the scales and rate me!

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And I won!


Offer of full refund received from T McLean on Saturday 10th. Mailed it back special delivery which got there on the 12th so just awaiting them putting the money back into the account now (does anyway know if they are pretty quick at this?).


So it only took about 15 days in total.


Thanks to all at CAG. Will be making a donation once the funds hit my account.

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my first claim it took about 4 days from the time I sent my letter fro funds to hit my account.... this time I have sent my letter back on Saturday Feb 10th but still no funds in my account... i like the 2nd class postage envelope they now include with the offer letters :)

what they are paying in charges they are saving in post!! :)

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