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    • Under the consumer rights act 2015, if a defect manifests itself within 30 days and you have a right to return the vehicle for a full refund. If any defect manifests itself within the first six months of ownership then you have a right to return the vehicle for a full refund subject to the retailers right to carry out a repair. If the retailer declines to repair or if the repair fails then you have the right to return. The problem here is that you have to assert their right. It's a bit ridiculous – but you have to do let them know preferably in writing that you are asserting your rights under the consumer rights act either the 30 day right or the six month right. I suppose that you haven't done this – which would be quite understandable because most people don't know that these rights exist and that they are subject to these conditions – the condition that the right must be inserted. It is frankly ridiculous. The dealers know it and we have lots of instances of this company delaying appointments et cetera and our strong suspicion is that they are simply trying to run their customers out of time. On the basis that you haven't asserted your rights, we now have to look to ordinary contract law. You are entitled to purchase a vehicle which is of satisfactory condition and which remains that way for a reasonable period of time. Clearly it is in satisfactory. They are blaming you. Has your independent inspection identified the reason for the defect? This will be important because as you have seen BMW are already saying it is down to your driving and you are going to have to produce evidence that it wasn't down to your driving and the you drove it absolutely reasonably and it was simply the condition of the car. Have you been without the car for any period of time. Is it driveable now? If the car was off the road for a substantial amount of time and was still off the road then you would be able to argue that this is a fundamental breach of contract and that you have been deprived of substantially the whole benefit of the contract and therefore you will be entitled to treat the contract as breached by Big Motoring World and insist on cancelling the contract. It may be that you will eventually be obliged to keep the car but have the repairs paid for. Have you had any quotations for the work that needs doing? I asked you questions about the MOT – but you haven't responded.
    • A 'violent left wing mob', comprised of a chap in a red hoody with a damp polystyrene coffee cup and a bit of wet cement, gets nowhere near cowering frightened farage some distance away on top of his double decker bus .. as farages security and support seem to film the incident grinning     Farage bravely flinches, grimaces and seems to almost burst into tears as the 'objects managed to travel a part of the way toward his position on top of his bus. His reactions honed by having a bit of milk splash him at a prior incident allow him to swiftly fall into a protective cower and grimace .. .. Sometime after, once the mob of 1 had been safely bundled away, farage apparently wipes his eyes of tears, and rising from his cowed and frightened pose, bravely shouts “I will not be bullied or cowed by a violent left-wing mob who hate our country.” .. however few they may comprise of.   https://www.independent.co.uk/news/uk/crime/nigel-farage-cement-barnsley-reform-uk-b2560501.html  
    • According to Parkopedia parking is limited to two hours.  I don't know how accurate this is though. What were you doing there for four hours?
    • no its friday 21st by 4pm if you'd done it properly and read the sticky in post 2 it clearly says: ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total)  if your defence filing date falls on a W/End, you must file by friday @4PM  
    • Have had a read up just to double check last day to file defence is 24 June (claim form date is 22 May)
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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.

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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Metropolitan Collection Services - Action on a stayed claim


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  • 1 month later...

Got a court hearing date for the 10th july 11am. A little worried as not been to court before. I sent the n244 as advised. What do i need to take to court and what can i expect?

Its better to live one day as a lion than a thousand days as a lamb!!!;-)

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Hi johnny ,

 

Have a look at this thread - round about #135 onward - it may give you some pointers, bearing in mind it's from a defendant's point of view rather than a claimant's............

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/130503-court-tomorrow-set-aside.html

Edited by johnnymitch

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Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

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Sorry , johnny - please note the # change :oops:

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Hiya Johnny don't be intimidated by the experience I have been into court about 4 times now and I'm getting to quite enjoy it :D.

 

Take proof of your own stayed court case for recovery of the penalty charges and details of whats left of the debt that the CCJ was placed against.

 

Tell the judge you have come to realise the original debt was made up of charges that you believe are unlawful and you are now trying to recover and you think the CCJ should be set aside and both claims joined together and stayed pending the outcome of the test case or both go forward to a court hearing.

 

That will stop them from using the CCJ against you or force them into a court room (don't worry the judge and the bank wont want the hearing option don't tell them you don't either :D).

 

and have fun :)

 

pete

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Please do - it adds to our knowledge of the subject to hear someone else's experience ........ :)

 

Best of Luck

from one johnny to another ......:D

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Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

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Oops! sorry pete :o I forgot this was your thread..... :D

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Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

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Aw, thanks pete - :) Spread it then, - spread it!!!!!! :lol:

  • Haha 1

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Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Contact Details (MCS)

 

Freephone: 0500 99 22 99

International: 00 44 121 455 2375

Registered Address:

56 St. James Road

Edgbaston

Birmingham

B15 1JL

Registration Number: 1475006

 

There you go raz....... same address as HSBC :rolleyes: Surprise,surprise......

If the freephone number doesn't work - I think the number (judging from the international one ) would be : 0121-455-2375 -it is -I've just tried it!LOL!

Edited by johnnymitch

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Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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BH - I'm going senile pete, I forgot it was already on your thread - DOH!:o

 

As a matter of interest I got this from slickwilly on the Barclays site - have you seen it........ and is it worth broadcasting on a sticky do you think........?

(http://news.bbc.co.uk/1/hi/business/7498178.stm)

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Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

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Yep! You're probably right pete -just seems to take forever , doesn't it ? :)

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Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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  • 4 months later...

We were declared bankrupt in June but HSBC recently instructed MCS to collect the debt which formed part of the bankruptcy. The Official receiver wrote to MCS and reminded them of the legal situation. Their response was to send the bailiffs to try and collect my (Motability) car. I have to say that I am worried about their next move - even though they have no legal right to pursue this debt. We have a complaint in to the FSO but it may well be many weeks before they get round to dealing with it. I am thinking of going to the media - does anyone have any experience of this>

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Hiya Messy, what Metro are doing to you defiantly constitutes harassment, if they arrive on your doorstep again contact the police and ask for them to be removed, they have no legal backing for continuing to progress the collection of a debt that formed a part of a bankruptcy.

 

pete

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Geez, they're getting worse pete , if that's possible :rolleyes:

 

This is not a normal DCA , but part of a major bank's collection service . Ignorance of the law is no excuse for them, they work from the same building as the bank's solicitors, for goodness sake ! :mad:

 

That's good advice from pete ,Messy - don't take any nonsense from them , they can't have a warrant to collect on this ... set the law on them .

Edited by johnnymitch
missed a word! LOL!

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Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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They do know they cant take my car becasue it is a Motability car - and in any case it is my husband who is actually bankrupt not me. However, the nearest Police Station is 12 miles away and ofc ourse by the time you have rung the Police and they have actually arrived the bailiffs have gone. I am not to bad at handling these people but I despair for those people who are unable to cope with this intimidation. I really am feeling that I should see if I can interest the media in this but as an ex-journalist I know that any newspaper running this would want some other stories to back mine up - any volunteers?

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Oh Hell - I was just about to write as you did to MCS - our debt is part of a bankruptcy and what happens but they telephone and give us 24 hours to pay. My husband is bankrupt but it appears that he made his daughter a partner in the business that went bust and she is now liable for the whole debt. She is blaming us and expecting us to pay - and her husband is extremely threatening. My husband now say that the only person who can make an agreement to pay is me - because I am not bankrupt and dont have a threatening husband - but why the hell should I? The debt is supposedly stayed whilst HSBC sorts out whether the daughter is liable or not - and meantime Im getting all the flak. Excuse the outburst but I am completely ****ed off with the whole thing.

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Inland revenue and the Offical receiver were happy that it was a sole trader but HSBC say that becasue a loan form was signed it both names, it constituted a partnership. In fact daughter signed this form because she though as a signatory she had to. She had no idea at the time that this would make her liable for the debt. I complained on their behalf to HSBC when they first came after her that they should have made the terms and condtions clear but they denied any responsibilty for this. Currently, HSBC had told us that they were staying any collection action whist they investigated the complaint but clearly they have not bothered to do so. The pressure from the family on me to sort this out in huge (and of course completely unfair but what can I do).

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