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    • I found it cheers Dave!!   I think focusing on lack of compliance with legislation should be the one, seeing as we just lost the case to them by not complying, it will be worth pointing it out. I also want to poi t out their m.o. Which is less than honourable to say the least. Hopefully the judge will side with the little old lady and not the peoppe who use deceit to line their pockets!!   She said she is happy to speak up but is kindly asking for assistance in the form of a bullet pointed printed paper for her to take in so she can read out her points and leave it at that (without rambling).    Straight and to the point!!    Daves post #66 is legendary 🙌    Thanks for the help guys 😊    Let's kick some ass    
    • I differ from my site team colleague slightly in the the six-month rule applies if you have asserted your rights within the six months. My understanding is that you haven't asserted your rights during that time. In other words you haven't informed them that you are giving them a single opportunity to repair and if they decline or if the repair fails then you are rejecting the car for a refund. Please correct me if I'm wrong. On that basis, you are covered by the consumer rights act but not in terms of the right to reject. You are covered under the consumer rights act in that you are entitled to purchase a vehicle which is of satisfactory quality and remains that way for a reasonable period of time. You don't have to prove that the fault existed at the time of sale – although that's what they will try to tell you and even the motoring ombudsman will try to tell you that. But the motoring ombudsman is an industry led organisation which pretends to be an ombudsman but in fact favours the industry and its advice is wrong and even deceptive. I think you should start off by writing both to the finance company and also to the dealership. Describe the fault to them. Send them the evidence you have that the windscreen was incorrectly fitted and the damage which has been caused as a result. Send in the quotation for the work and require them to respond within seven days and that they must agree that the work will be carried out by a competent professional an authorised repairer. Not one of their cheapskate once. Also, you will want them to agree to provide you with a courtesy car. Also have you incurred any expenses associated with this? Travel, car hire, cost of inspections –?? Have you told us the name of the finance company? My site team colleague is correct that if they cause any trouble then you should see them as co-defendants. You can be certain that they will put their hands up. It will go to court. You would sue them for the cost of the work. You would recover your costs of the installation plus your court costs. I don't think you will be able to sue for the rejection of the vehicle on the basis of what you tell us in terms of having not asserted your rights. However you will be able to recover the cost of all the works – making good everything so that the car is in the condition that it would have been in had the replacement windscreen been properly fitted. I wonder who fitted the replacement windscreen? I think I would be out to sue them as well. Post the draft of your letter to the dealership and also to the finance company here so that we can have a look before you send it off. Incidentally to answer your question about what should you do immediately,  I would suggest that you send the letter tomorrow. Wait until the end of the week. If they don't respond or if they respond negatively, then write to them immediately and tell them that you are not prepared to do without the vehicle. As they have failed to respond to your putting work in hand and you will be approaching them for the costs of all the repairs and if they cause you any difficulty in you will simply sue them. A bill of about £4000 is easy. It puts you within the small claims track so there is no risk of costs even if you lose – which is most unlikely on the basis of what you say
    • Thanks I have been reading quite a few this one got me as it did say they have instructed them to take legal action but thanks again your a legend 
    • Yes we will be emailing them. We have kept a log of all conversations with everyone involved and backed up conversations with emails 👍
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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.  

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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.

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      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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Advice regarding Lowells and CCJ - help please!


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Hi everyone, we have been using checkmyfile for a while now to help manage the fiancés debts and keep them on track.

 

In doing so we have learned loads BUT i have gone online today to check it and noticed a huge drop in points...

 

here is why:

 

I can see he was given a CCJ for £250 in November 2007 and this is the first that i am aware of it.

I still pay every creditor we have (current) accounts with and settled all of his utilities at the old address.

What do i do about this now? The case number is on file and it was processed at northampton county court, i assume they wont be open on weekends.

 

 

Also, there is a defaulted account with Lowells from 2003 for £140 which wei have repeatedly asked them to explain to us (he has never had the card they claim it is) and they have failed to provide us with these details. I am now going to issue a formal request for a CCA from them.

Is this the right avenue to go down?

 

One month it has a lock symbol on the account, the next it has a big fat D... its definately affecting his credit rating and i have no clue what it is!

If i have helped you please click the scales :)

I am here on my own quest for help, although i work for T-Mobile and will gladly assist where i can i am not here as a company representative.

I am not legally qualified, if in doubt seek professional assistance :)

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excuse me for being dumb but do you mean the SAR to lowells or County Court?

 

We moved at the end of november but this was passed on november 15th. We definately recieved no paperwork, as we are currently going through a personal debt CCJ case and are both very swift at dealing with it all! i know how serious they are.

 

The only other curious thing is that he had a current account with alliance and leics that he closed they made a cock up and didnt close it properly, someone tried to take a cancelled direct debit from it and put it into arrears which started charges etc etc anywho, i sent them a rather stern letter about it last september and we never heard from them about it again, its now settled on his credit file, but in november.. just coincidence?

 

also i have some more credit file questions... which is best place for those?

 

thanks!

If i have helped you please click the scales :)

I am here on my own quest for help, although i work for T-Mobile and will gladly assist where i can i am not here as a company representative.

I am not legally qualified, if in doubt seek professional assistance :)

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okay cool no problem..

 

what exactly is an SAR? fiance is pretty certain like 99.9% that this account is not his. i dont wanna admit debt or anything by accident (im new to this but loving it!)

 

Where can i find a good letter for it, and also any thoughts on the CCJ anyone?

If i have helped you please click the scales :)

I am here on my own quest for help, although i work for T-Mobile and will gladly assist where i can i am not here as a company representative.

I am not legally qualified, if in doubt seek professional assistance :)

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A SAR is a formal request that you can make under the Data Protection Act 1998. This will allow you to obtain information from Lowell such as computer notes + information regarding monies outstanding etc. You should be able to ascertain what this debt is for... You can then chose to consider a set aside if you have a defence to the CCJ.

 

There is a good sample letter within the templates section, I'll try and locate it for you!

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Thanks Seq, great avatar btw!

 

just want to point out that the Lowells default and the CCJ are two enitrely different matters.

If i have helped you please click the scales :)

I am here on my own quest for help, although i work for T-Mobile and will gladly assist where i can i am not here as a company representative.

I am not legally qualified, if in doubt seek professional assistance :)

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also is this the address for lowells?

 

Lowell Group

Enterprise House

1 Apex View

Leeds

LS11 9BH

If i have helped you please click the scales :)

I am here on my own quest for help, although i work for T-Mobile and will gladly assist where i can i am not here as a company representative.

I am not legally qualified, if in doubt seek professional assistance :)

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This is the letter ive put together (with thanks to CAG!) to send off to Lowell:

 

let me know what you guys think... if anything needs amending

 

Lowell Group

Enterprise House

1 Apex View

Leeds

LS11 9BH

19 April 2008

 

ACCOUNT NUMBER: UNKNOWN

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

 

Upon accessing my credit report it has come to my attention that you hold an unsettled account in my name at the following address:

xxxxxxx

xxxxxx

xxxx

 

I received a letter regarding this account to my previous address:

xxxx

xxx

xxx

 

Upon receipt of this letter I contacted your offices and requested a copy of the agreement for this account or other details, which your advisor assured me would be obtained and forwarded to me with much haste. Clearly this did not happen as that phone call was made in September 2007. I hereby request that ALL FURTHER CONTACT BE MADE IN WRITING ONLY TO THE ADDRESS AT THE TOP OF THIS LETTER, ANY PHONE CALLS OR HOME VISITS WILL BE DEEMED AS HARASSMENT AND REPORTED AS SUCH TO THE RELEVANT AUTHORITIES.

DATA PROTECTION ACT 1998

SUBJECT ACCESS REQUEST

Please supply me with a complete list of transactions and charges relating to my account history with your organisation. Alternatively, a complete set of statements for that account will be acceptable.

 

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you.

 

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act subject access request fee.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

 

Yours faithfully,

 

 

[signature]

 

 

[name]

If i have helped you please click the scales :)

I am here on my own quest for help, although i work for T-Mobile and will gladly assist where i can i am not here as a company representative.

I am not legally qualified, if in doubt seek professional assistance :)

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