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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
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    • 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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paulomarto v RBS


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Well my first post and am I glad I've found this topic, I've just today recieved the defence from my banks solicitor in the post so when i checked the internet to do more studying to prepare for the court hearing (if I get one) I found this and read that any I could provide an interview on BBC Radio in 2004 with Peter McNamara a senior end highly respected member of the banking industry saying charges are used to fund free banking for all personal customers, it started my brain ticking, so my question is.....Would I be able to provide this "whistleblower" video as evidence in court of a manager admitting that charges are unfair and excessive????

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I recieved a letter from Cobbetts solicitor acting on behalf of RBOS including their defence and request for furhter information.

 

I was wondering are these standard defence templates. Much of the language used makes it hard for me to understand due to the leagal jargon.

 

Basically the defence says they cant plead until I have properly particularised, and so up to now there is no reasonable grounds for bringing a claim against them.

 

They then ask me to provide them with:

  • My account name, number, and sort code
  • Identify the date, amount, and reason for each charge
  • and for each charge identify whether i feel the charge should not have been charged (and if so explain why I feel this), or whether I feel the charges should not have been charged in the amount (and if so explain why it shouldnt have been charged in that amount and identify how much I feel I should have been charged)
  • It also asks for why I feel the charges are, as I stated, 'an unfair penalty under the Unfair Terms in Consumer Contracts Regulations 1999' in particular identify the regulations of the unfair terms in consumer contract regulations 1999 relied upon when making the statement alleging the "contractual provision(s) referred to are unenforceable"

Has anyone else recieved this? is it a standard defence template used for everyone? and how have you responded to this? what answers? and how did you respond did you send it to the solicitor and the courts? Is this what the Court Allocation Questionnaire is for???

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I received my Defence yesterday. I am just going to start typing it up; it will be posted on Nell v RBS for you to make comparisons.

 

Mine did not ask any questions, though, which is what I expected. When you have had a look, let me know if it differs any from yours.

 

Here goes..

[sIGPIC][/sIGPIC]

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I recieved a letter from Cobbetts solicitor acting on behalf of RBOS including their defence and request for furhter information.

 

This particular letter seems to come from Cobbetts when claims have been filed on MCOL where the full listing of charges hasn't been submitted due to lack of space.

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You do need to send them your schedule of charges. They are entitled to the info and it could come back and bite you in the ass if you don't. It won't actually delay your court date, but it could delay things once you get to that point.

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Have you submitted a charge spreadsheet to the bank and the court ? If not then you will need to act quickly. You may have to amend your claim with the court also. By filling out an N244 application notice. Which will cost you £35 unfotunately non refundable.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/41901-form-n244-application-notice.html Good luck.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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I could be wrong, but merely submitting a schedule of charges shouldn't require a claim amendment. If the totals included in the PoC and the spreadsheet match up then it's just a question of clarification rather than amendment. Simply sending the list of charges to the court and to Cobbetts should suffice.

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Great I think ill send the spreadsheat out but in case I need an ammendment I'll have to give the court a ring, I thought the MCOL was a bit vague should have expected them to ask for the spreadsheat though I have sent a spreadsheet to the bank, but suppose the solicitor needs it to know what they are dealing with. Thanx for the help people am gettin more and more unstuck now, im made up av found this site it's great!!

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Ok I was preparing my response to further information required by cobbetts solicitors that they need my spreadsheet when I noticed that the first 2 charges on the spreadsheet that I sent to my bank were wrong (and consequently my total for charge value and interest, and so total amount to be claimed back) would be wrong.

 

My first charge was £13 on 8th September 2004 on my spreadsheet, however I noticed when checking statements back that it was in actual fact a charge of £35

The second charge was £27 on 11th October 2004 on my spreadsheet, however I noticed when checking statements back that it should have been £10 on 7th October 2004

These errors came due to me reading the line below or above the line that my charge was on on my statements.

 

I understand now that if I fill another spreadsheet with the correct information and send it to the solicitor then, not only because interest would have increased on the other charges, the total amount needed to be claimed back would have slightly increases due to increase in interest and an increase of £5 in the amount of charges being claimed back. How do I ammend this, should I send a new spreadsheet to the solicitor and courts with the new charge amount and interest amount and totals and take no other action. Or do I have to fill in a form for ammendment to my claim and file it with the court, which I believe costs £35 and is not refundable and can anyone remind me the form number I need to use if I have to do this?

 

Help much appreciated Thank :-|

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Another thing. My charges on my spreadsheet are all for unpaid direct debits and cheques, but some £10 charges for Maintenance charges for unarranged overdrafts. Am I able to claim these £10 charges back as well or is the judge likely to give a settlement just for the unpaid items??

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Hi

 

I received an almost identical letter to yours from Cobbetts last week and was in a right old state as I didnt even understand half of what they were asking me! The following day I received a letter from RBS offering to repay me the full amount I had claimed (but not the interest) . After the sleepless night I had worrying about the letter from Cobbetts, I decided to accept the £2200 and run!

 

You may get an offer from RBS very soon, just as I did. Good luck!

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I am in the same situation: I received a partial offer from Natwest which I accepted, the a day later I received a letter from Cobbetts requesting heaps of information by 29 June.

 

I would rather drop the court proceedings as I am happy with the partial settlement, and have little free time in between now and the 29th June. Can I simply ignore the Cobbletts letter, or how do I go about ending the legal dance?

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I received a request for Cobbetts referring to CPR 18 - I followed the advice given ie sending another list of charges, bank account name and numbers and what the charges were for also mentioning the intimadatory nature of the request.

 

Then I received a copy of cobbets AQ which said I had not responded to their request and asked the judge to strike out the claim.

 

I immediately sent a copy of everything to the County Court along with the recorded delivery slip for the letter.

 

My question is:

 

Is it too late to send another letter to Cobbetts asking them to my request Part 18 re charges and terms and conditions

ie:

I require that the Defendant supply a copy of the full Terms and Conditions which applied to the account at the time the account was opened.

 

I require that the Defendant supply copies of any amendments to the Terms and Conditions applying to the account, which have come into force since the account was opened.

 

Should be hearing from the county court this week - and want to be fully prepared.

 

 

 

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I received a request for Cobbetts referring to CPR 18

 

 

 

 

Just checking as Cobbetts are notorious for using CPR18 even when it doesn't apply, but is your claim for less than £5000 or on the small claims track?

 

If it does then rules of disclosure under CPR18 don't affect you, they don't apply to small claims track cases.

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Thank god for your last post Kurt, my claim is under £5000

 

I recieved the same letter/defence from Cobbetts and choose to not respond in the way the demanded.

 

Instead I have sent them one of the nudge letters I found elsewhere on this site, with a list of my bank charges + interest, and a reduced offer to settle out of court.

 

That was on 12/06/07 as of yet I haven't had a reply.

 

One thing that is of concern to me is that as of yet I haven't sent anything to the courts as I filed my claim on MCOL.

 

Should I have sent a copy of the list of charges to the court when sending this recent letter to Cobbettts and maybe even the letter to show I am trying to resolve the matter out of court.

 

(I do not have a court date as of yet)

 

Cheers,

dooumm

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Thank god for your last post Kurt, my claim is under £5000

 

I recieved the same letter/defence from Cobbetts and choose to not respond in the way the demanded.

 

Instead I have sent them one of the nudge letters I found elsewhere on this site, with a list of my bank charges + interest, and a reduced offer to settle out of court.

 

That was on 12/06/07 as of yet I haven't had a reply.

 

One thing that is of concern to me is that as of yet I haven't sent anything to the courts as I filed my claim on MCOL.

 

Should I have sent a copy of the list of charges to the court when sending this recent letter to Cobbettts and maybe even the letter to show I am trying to resolve the matter out of court.

 

(I do not have a court date as of yet)

 

Cheers,

dooumm

 

Yes, you are always best sending to the court a copy of anything you send to Cobbetts (with the exception of letters with a a "without prejudice" heading). You don't have to do a specific letter per se, just make sure the claim number is clearly visible so the clerk can add it to your "pile".

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  • 3 weeks later...

Hi I was wondering how to attatch a copy of my scanned replies to Cobbettes Defence and Part 18 Request as well as a Part 18 Request I have sent to them. I think these would be very useful to the other users of this section as there are many posts asking about how to reply to the defence and requests which cobbettes seem to send to every claimant with exactly the same questions on each request??

 

Any help appreciated, I think having these on here would be useful for the vast majority of cases

 

Thanx

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These would be really usefull :) as i'm in the process of putting my letters together and have put 1 of them on my thread ( RBOS - Court -help needed -sorry don't know how to add the link)

I have untill the 11th july to send my response

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sorry don't know how to add the link

 

If you look to the upper right of each message in a thread there is a number with the word "permalink" after it. If you right click that word and choose "copy link location" (or similar depending on your browser).

 

Start your new message, then at the point you want to add the link just right-click and choose "paste" (or press ctrl-V) and it will paste the link to the specific message you are concerned with.

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