Jump to content

  • Tweets

  • Posts

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
        • Like

brownep3 vs LloydsTSB

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6369 days.

If you need to add something to this thread then


Please click the "Report " link


at the bottom of one of the posts.


If you want to post a new story then


Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 



Recommended Posts

Hello all!


I've already sent off for and recieved a list of charges, and have sent a follow up letter to the bank requesting that they pay me back my £1500.


They sent a reply to my request within four days saying that they "can't agree to cancel my charges", describing thier charging system as "fair". They signed off by saying....


"Please let me know if there is anything else I can do. If we cannot come to an agreed solution I will help you to refer your complaint to the Financial Ombudsman service for Independant advice."


Should i press on with Small Claims court, or wait until the 14 days since my initial request has passed?

Link to post
Share on other sites

Also thought i should add that i've opened another current account, and I'm going to close my Lloyds account tomorrow. I've read somewhere that they might close the account anyway, so i figure i should deny them the satisfaction.

Link to post
Share on other sites

You should have given Lloyds 14 days to respond to your initial letter. After recieving the reply you should send a LBA (Letter Before Action) and give Lloyds a further 14 days to respond before starting your claim.

Please look through the Frequently Asked questions to familiarise yourself with the process before you move to the next stage. You can find a Template for the LBA letter in the Bank Templates section.

hope this helps, don't be afaid to ask if unsure, this site is full of great advice from people who know what they are doing :)



LloydsTSB - Current Account claim £5,554 settled unconditionally 25.4.2007 :D

If the Pondfish has helped click his scales! ;-)


Please donate to this site if you can! :-)

Link to post
Share on other sites

New account is good move, don't let them make it akward ;)



LloydsTSB - Current Account claim £5,554 settled unconditionally 25.4.2007 :D

If the Pondfish has helped click his scales! ;-)


Please donate to this site if you can! :-)

Link to post
Share on other sites

  • 4 weeks later...

Just had something quite strange happen. LLoyds have written to me saying that they are going to reduce charges by refunding me £750.

Not that strange i'll admit, but i hadn't even sent my letter before action in yet. I might have expected them to wait for that, but they've gone ahead and issued the partial refund anyway.

Not going to let this put me off. Whilst I don't want to appear greedy I do want what's mine. I take it that I should send a LBA anyway, but I'm not sure whether to mention thier offer or not. Could anyone advise?

Link to post
Share on other sites


I would send the LBA, knocking the £750 off your charges, but I wouldn't bother mentioning the partial refund.

Good luck with your claim, let us know how you get on.


I WON!!!! :D :D :D




Link to post
Share on other sites

Hi brownep3,


A thread was started to discuss the correct response to Gestures Of Goodwill in all senarios.


The upshot of a lenghy debate has resulted in Jonni2bad updating the rejection of settlement letter in the Bank Template library to cover all senarios. I have listed the link if you are interested. ;)




If you are interested in the discussions that took place the following link will take you to that thread.




I found Vampiress's input very useful.


Hope it helps?:D





LloydsTSB - Current Account claim £5,554 settled unconditionally 25.4.2007 :D

If the Pondfish has helped click his scales! ;-)


Please donate to this site if you can! :-)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?

  • Create New...