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    • Yes typed it, how would I input it any other way, probably timed out took over half hour. H
    • You typed it in? actually typed it all out? if so, maybe you took too long or something, like session timed out. Does the status show defence filed or no change?
    • Hi just typed all defence clicked next and it's deleted all. Any help
    • I forgot to say, there is one last possibility and that is that they will receive your letter of rejection and simply fold, accept the rejection and refund you. Don't wait too long for this. Seven days maximum – but in that seven days you could send your letter of claim anyway and when that you don't hear from them or when they start mucking around at least you are seven days closer to beginning the legal action – and they will know it (which is the important thing).
    • Okay that is excellent that you have an email between the garage and the warranty company confirming that there is a serious problem with the gearbox. That is very powerful evidence. I think the situation is this: you have sent them a letter of rejection but the reputation of big motoring world is that they won't take a lot of notice and they will try to prevaricate and maybe even blame you. Clearly you don't want the car any more and anyway it sounds as if the cost of repairs is going to be enormous. You don't know if the warranty company is going to step up to the mark but the whole thing is going to take a long time and I understand that you have lost confidence in big motoring world because of this event and also their reputation which you are now discovering on Facebook and on this forum and no doubt elsewhere. On the basis that you don't want the car any more and you want your money back, you need to hurry things along. I think the first thing is that you need to decide if you are prepared to bring a claim in the County Court. Even without the warranty money, the claim is worth more than £10,000. For actions less than £10,000, you bring a "small claim" and this means that even if you lose the case you won't be liable for the other side's costs. If you win the case then not only will you get your money plus interest but also you will recover all of the costs of the action. For actions more than £10,000, you go to something called the "fast track" and in the event that you lose the case, then you could be liable to reimburse the winner some of the costs. This means that in addition to not recovering your own money, you would lose your own court fees and also you would have to to bear the costs of the other side probably something less than £5000 – but as a rough guess. If you bring your court claim then your chances of success are almost 100%. Frankly if you brought a court claim then I can imagine that big motoring world will put their hands up and pay you out rather than face go to court and losing and getting a judgement against them. However, it you need to consider that this is a risk factor – although my view it is a negligible risk factor. If you did bring a court case, it wouldn't be instant. If they put their hands up then it would probably happen very quickly. If they didn't put their hands up then you could take anything up to a year for the matter to be resolved and during that time you would be without your car and without your money and in the middle of litigation. I'm explaining this to you say that you understand how it works. Bring a court case would be really the last resort when everything else has failed. However, I'm quite certain that you would win and it would be stupid of big motoring world to try to resist. In order to bring a court case you would have to send a letter of claim giving them 14 days to accept rejection and organise the refund otherwise you would begin the claim. Don't imagine that you could bluff this. If you did send a letter of claim then you would have to go through with it otherwise you lose all credibility and you might as well pack up and go home. So with this in mind, here are possible courses of action you could take. You can simply wait and see what their reaction to your letter of rejection will be. However they may not reply or else they may find some other reason to delay and of course during that time you will be without your car and without your money blah blah blah, not knowing if big motoring world were going eventually to start acting sensibly and respectfully towards you. The second thing you can do – and I think this has been suggested on Facebook – is that you can go along there and simply make yourself present and talk to other customers and generally speaking make a nuisance of yourself and embarrass them to the point where you would be explaining to other potential customers to be careful, to look on Facebook, and to do some careful research before they put their business to big motoring world. This has a reasonable chance of success although you would have to be careful. You should go accompanied by a friend and there should be no anger, no arguments, nothing that could be considered as being overly aggressive so that big motoring world would have no justification in kicking you out or even worse, calling the police. If you did this, then I would suggest that you record everything on the telephone carried in a pocket. A fully charged battery will probably keep a voice recorder and a telephone going for more than 20 hours or 30 hours. The other person can video any incidents so that everything is clear and you can inform big motoring world then it will be going up on the Internet. If you did this, my favourite option would be to issue the letter of claim giving them 14 days, and then going along to big motoring world with a copy of your letter of rejection and a copy of the exchange between the mechanic and the warranty company and a copy of your letter of claim – all settled together – and probably about 20 or 30 copies in all and I would start handing them out to any customers who came in. Big motoring world will soon get the picture and they will either move your the premises in which case you stand outside and carry on doing it or they will finally give in. Of course there is a chance that they won't give in and they will simply call your bluff – but in that case I think you have no choice other than to follow through with your 14 day threat in the letter of claim and to begin the legal action. At the same time you should be putting up reviews on Google and also trust pilot explaining exactly what has happened and also explaining that the mechanic has confirmed to the warranty company that there is the serious problem, that you have asserted the right to reject and that this is been ignored by big motoring world and that you have now sent a letter of claim and that you will be starting a legal action in 14 days. Once again, don't bluff about the legal action. If you threaten it – then you must mean it – and on day 15 you click of the claim. You don't need a solicitor for any of this. It's all fairly straightforward and of course we will help you all the way that it the decision is yours to make and I think you need to make it fairly quickly. I think the cost of starting an action for about £13,000 is 5% and then also if it goes to trial which I would say is almost impossible – there would be an additional fee. You would claim interest at 8%. A judge might award a lower figure but frankly if you can show that big motoring world is attempting to ride roughshod over your very clear statutory consumer rights, I can imagine that the judge will want to show displeasure by awarding the full 8% which is a pretty good rate – even though it's not compensation for the hassle and the distress you are going through. If you decide to get solicitor, then if you win the case, because it is over £10,000 you will recover some of your costs but you won't recover all of them. If the solicitor begins by having exchanges of letters then I doubt whether you will be up to recover the cost of those and you could easily find that you're chalking up 500 quid or even a thousand simply on initial exchanges of correspondence. Also you need to bear in mind that if after having exchanges with a solicitor, big motoring world cave in – then you definitely won't get those costs back because you won't have gone to court and therefore a judge will not have made the order for payment of those costs. I suggest very strongly that you avoid paying any money for a solicitor and that you do it yourself. It's not a big deal – although you will have to you react quickly to the help we offer on this forum. Also, an additional benefit is that you will learn a lot and you will gain confidence and eventually you will feel good about suing anybody else who gets in your way. Nothing not to like! If you do decide to instruct a solicitor then you must take control of the solicitor. Most of them prefer to sit in an office writing letters on the clock. If you do decide to instruct a solicitor then you must instruct the solicitor very firmly that they should send one letter of complaint giving seven days. A second letter – a letter of claim giving 14 days and that they must then begin the action. If you don't do this. If you don't take control then it will simply cost you money, you will be without your car even longer and of course without your money. The whole thing is a nightmare. I think I've laid out the options but please do ask questions. I hope you can see that this is the kind of advice that you won't be getting on Facebook. Nothing against Facebook. It's good as a meeting place and to make people realise that they aren't on their own – but after that the advice given is weak and confusing.  
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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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I have dealt with the CSA today and been told that IT IS statue barred as it (the assessment) took place before 12 July 2000 and that it cannot go before a court. The kind chap on the phone said you still owe the money but we have no way to enforce it!! Apart from DCA's. I thanked him for his time and departed a happy man knowing that being on benefits the DCA's cant get an attachment of earnings order. I called my bank and cancelled my debit card as DCA was taking £50.00 a month from account and asked bank for new card. All in all a good day

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Thanks for the response ODC appreciate it. Just sitting back and waiting for iqor to start sending those pointless letters again and I'll be able to hit 'em where it hurts as the debt is unenforceable and I got that straight from the CSA! so I'm laughing all the way to the bank, high ho, high ho, high ho its off to work I go(not!) best regards Phil

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Remember to ask for a copy of their complaints procedure if they ever get in touch with you again Phil :)

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Eversheds tried to chase me for alleged CSA arrears a couple of months ago. They said 'we see from your file that you are employed, therefore we will be seeking a deduction from earnings order...'

 

I wrote back saying 'better update your file - I haven't worked since August last year, do your best boys'

 

They put my case on hold for 14 days. 2 months ago! :D

 

Haven't heard from Eversheds or the Cash Sucking Agency since.

 

(just in case anyone wishes to deride me for attempting to avoid paying my way, please let me point out that my 2 children live with ME, have done for 3 years, and their darling mother has not paid me a penny in that time! Arrears? I think not!:mad: )

 

;)

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Rowbo, I suspect, from the tone of my dealings with CSA over these past months, that all they are interested in is balancing the books. They have acted (in my opinion) in a very heavy handed manner, and given me little chance to put my case. A letter one week regarding their alleged arrears, DCA letter the next week! They allege this situation goes back years, but this is the first time they've asked me for anything!

 

Keep in touch m8, we may need to gang up on them!

;)

 

 

Finished ranting now. Carry on....

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Thanks for your responses Rory and Oneofakind. I too was struggling to pay for my child, but the more over-time I did the more money they wanted till it hit £2295. They were taking loads of money from me and the wife (wanted to take here wages into consideration, even though we had two children!). Short story I became ill and left work and wasn't contacted till August this year. Like you they said you pay £123.00 a month or we go to Debt collector. So set up payment with DCA, but cancelled that yesterday and cancelled card so they have had their chips. The assessment for the CSA took place before 12 July 2000 so its statute barred and this was confirmed by CSA. So looks like its the toothless DCA to fight. Till I met the guys and gals of this sight I would have stupidly paid these barstewards but not now, lets see £2295(csa), £11295(I think HSBC) and £2295(I think Mastercard) and they are all statue barred! Its a crying shame ain't it? BOO WHO! Oneofakind it looks like its me&you against the world mate!!!!! Bring 'em on, I'll carry you and feed you bullets and cheese and ham toasties and You can shoot up the DCA's as they pop their heads up!!! LOL best regards Phil&family

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Bring 'em on, I'll carry you and feed you bullets and cheese and ham toasties and You can shoot up the DCA's as they pop their heads up!!!

 

Er.... you on medication, Phil?

If not, maybe you should consider it! lol.

 

That is the kind of reaction CSA tends to provoke, innit?

 

:D :D :D

 

(You'd have to be a very big boy to carry me btw, I'm no midget!)

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On the matter of medication Oneofakond yes my friend in all seriousness I am medicated(Risperadal 5mg(anti-psychotic!) Carbamazepine 60mcg(mood stabiliser!) and paroxertine 60mcg(anti-depressant!)) so you can imagine what I want to do to a DCA when they rear their ugly head,LOL. Its all down to the PTSD mate, but we are getting there since joining this site. As for being a big boy to carry you I'm 6'3" and weigh 22 stone 10lbs muscular lad and train(weights) 4-5 days a week so I think I'd be able to carry you mate. Like I said I'll pass the bullets and you can take pot shots at the cluckers! Anyway best Regards mate, Phil&family

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Bl**dy hell !

 

You're on OUR side, right?;)

 

That's a heavy burden you have to carry. I was on a cocktail of Lithium and 'Efexor' (I forget the full name of it now) for some time, and have only very recently managed to wean myself off. It ain't easy.

 

OK, so you're a bit bigger than me. What say you we go doorstep some debt collectors?

 

And finally... do you put Branston pickle in your cheese and ham toasties?

If you do, I'm in!

 

:D

 

Venlafaxine!

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Iqor do collection work for Lloyds TSB central collections, i've had some minor dealings with them and they seem quite reasonable.

I was being chased for an outstanding debt on my ex-wife's account and after sending a very in-depth and vitriolic letter to LTSB CC i received a very apologetic and groveling letter from iqor.

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Thanks ODC I think you know where I'm coming from. They say that anger(RAGE I call it!) is a learned emotion and it can be turned on and off like a switch, trouble is my switch is stuck on!! Full on!!!! Sometimes I feel invincible and other times I could curl up and die. The meds, well they help to some extent but I think they just take the edge off, its still burning up inside, ready to explode. Oneofakind I'm on our side mate and **** me can I intimidate if I try...DCA's only though, wife knows and keeps me on a lead at all other times. Iqor are bullies like all DCA's and as far as I'm concerned they can Feck off! Would love to be in the office when they try to put my card details through the m/c and it says "NIL POINTS!" Anyway best regards Phil&family

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  • 2 weeks later...

Little update:- Iqor were due payment yesterday, but cancelled card details with bank(naughty me! wonder why?) and was issued with another! The phone is quiet but I'm relishing the fight ahead because I know theres nothing they can do- CSA said they can't go down the court route as its statue barred(assessment by CSA was before 12 July 2000 you see!) so its just a toothless DCA. Have changed my mobile number(shame that, lol!) and only have family and friends on this line(call barring). So its just those pretty coloured letters to look forward too, ahhh **** is that all....Best wishes to you all Phil

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It seems the little devils have gotten hold of my wife's mobile number and want to talk to me....wonder why? LOL very loudly indeed! The nice lady said she wanted to talk to Mr.so-and-so and that it was an urgent business matter. I said that she had the wrong number lol. She said she was from a company in Preston and we all know who that is don't we? Tel:-01772 557600, yes we know who it is don't we? Its our friends Iqor again, oh how we(wife&I) laughed when she asked security questions, sadly she put the phone down on us, the cheeky mare!! Looks like the fight is on in earnest, heads down, arses up and drive on to the front. Looking forward to the mornings post...LOL. In control of my life again and liking it!!

Nice to see you looking in ODC and thanks for your support oneofakind

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  • 3 weeks later...

Had a pretty looking "threat-o-gram" from IQOR today, all different fonts and stuff-valid if not read by you, lol very loudly! I phoned the buggers too and had a brilliant arguement with this funny creature who didn't know her arse from her elbow!

Coversation went like this:-

Creature:- this is iqor

phil:- this is mr blah blah of blah blah, reference blah blah

Creature:- yes there seems to be a problem with your recent payment

phil:- yes I haven't paid it!

Creature:- Why?

phil:- because the debt your persuing is statute barred isn't it?

Creature:- UHHH! What does that mean?

phil:- I'll explain-my assessment with the CSA was april 1999 and that was the last time I had contact with them. On july 12th 2000 the law changed and csa payment after this date could be chased up, but not before this date, with me so far? I have had no contact with csa since april 1999. There is a statute of limitations on debts in this country, its 6 years. 1999 from 2007 is 8 years, so the csa have said they can't chase me for the debt through court as its statute barred you see.

Creature:- You will have to contact the csa to confirm that

phil:- already have, now I telling you its statute barred

Creature:- You'll have to pay it anyway. We'll put an attachment of earning order on you!

phil:- not bothered as its statute barred and by the way I don't work...laughs very loudly

Creature:- this isn't going anywhere

phil:- don't you want to threaten to send the boys round or try and intimidate me in another way?

Creature:- we'll get you another way

phil:- I'm shaking in my boots, honest I am! PLEEEEAAASSSEEE take me to court, PLEEEAASSSEEE I want you too

Creature:- this isn't going anywhere.....puts phone down! Cheeky Mare

So Iqor 0 Phil 1

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Hi all

 

a couple of weeks ago I posted this:

Hello all

I wonder if anybody could help me in the right direction. I am absolutely useless on the phone and start stuttering so would rather communicate with letters.

My joint account was £400 overdrawn, despite letters from the Halifax which I stupidly ignored, I now have a letter from Blair Oliver and Scott saying I now owe them a total sum of £1,052.22. Should I write direct to the Halifax asking for a breakdown of these sums or communicate with Blair?

 

The advice I got was to send a SAR to the Halifax and copy in Blair. I did this and up to know havent heard anything but today received a letter from iQor saying they have instructions from the Halifax to recover the £1,052.22 with quite a scary "our actions will continue regardless of whether you read this notice or not".

 

Can they do this? I am not disputing the fact that I owe them £400.

 

Your help would be very very much appreciated.

Many thanks.

 

Many thanks.

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Hi all

 

a couple of weeks ago I posted this:

Hello all

I wonder if anybody could help me in the right direction. I am absolutely useless on the phone and start stuttering so would rather communicate with letters.

My joint account was £400 overdrawn, despite letters from the Halifax which I stupidly ignored, I now have a letter from Blair Oliver and Scott saying I now owe them a total sum of £1,052.22. Should I write direct to the Halifax asking for a breakdown of these sums or communicate with Blair?

 

The advice I got was to send a S.A.R - (Subject Access Request) to the Halifax and copy in Blair. I did this and up to know havent heard anything but today received a letter from iQor saying they have instructions from the Halifax to recover the £1,052.22 with quite a scary "our actions will continue regardless of whether you read this notice or not".

 

Can they do this? I am not disputing the fact that I owe them £400.

 

Your help would be very very much appreciated.

Many thanks.

 

Many thanks.

 

 

MOST IMPORTANT

 

DO NOT RING THESE PEOPLE.

 

Write to them informing them that this matter is in dsipute with Halifax/HBOS and that you will not be entering into any correspondence with them whilst this matter is in dispute.

 

Do not make any admission of liability

 

At the top of your letter type in large bold letters. I DO NOT ACKNOWLEDGE ANY DEBT TO YOU OR ANY OTHER COMPANY YOU CLAIM TO REPRESENT.

 

Curlyben has an excellent Feck Off letter which I can post for you but as he is floating around this morning I will let him post it.

 

You can get the idea of the clowns you are dealing with when they are stupid enough to type ''Valid even if not read by you''.

 

This must rate as one of the most pointless sentences in the English language

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