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    • and it legally informs them of your correct and current address as you must do with all old debts last paid/used in say 7 yrs you dont want backdoor CCJ's. what were the names of these IVA scammers, the one you took it out with, and the one that scammed you to let them take over please? your story is slightly worrying. dx  
    • Incidentally, congratulations on not buying the warranty. That is another Big Motoring World rip-off. See what we have to say about extended warranties and the Big Motoring World attitude to them is particularly unhelpful
    • well that google is from 2019, but the photos are certainly of someone driving on the public highway in/out by an ANP system, though the site of where the camera actually is, is not showing there are anpr cameras up by the low yellow barriers but they wont get from facing shots from there. interesting, needs to be checked if the road IS a public highway but on private land, cause as you say, if the whole area is max 4hrs , how does the hotel work< ?? must have a reg entry system.  now as for taking pictures of cars on a public highway then guessing the are parking ...erm.... i dont thnk thats right nor allowed under GDPR. dx  
    • 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  
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      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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      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.
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philread1 v Abbey ** WON ** fast track with costs


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Just put in my claim 30/08/06, the only offer I had was for £50 way back when I first sent a letter of complaint in June, so you are doing well. Did not receive any response to my LBA, so claim went in 14 days later. Best wishes.

 

Regards bish.

Abbey : £8070.41*PAID IN FULL*14/02/07:D

Capital one : LBA sent 17/09/06 £1,087.22

Marbles : LBA sent 17/09/06 £720.00 ; £720 offer accepted:D

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Hello Everyone

 

Just started to get on with my moneyclaim form, all looks OK. Had to shorten bankfodders example down due to the bit you have to add on to state about the 8% interest I want back off them!!! I just knocked the first line off that lets them know how long you've had a contract with the shABBEY and under its T&C's. Hope I was alright in doing this, please tell me if this needs to be put back in!!!

 

Anyway, now I've got to spend the weekend cadging the £250 fee off someone to pay for it!!!!!!!! If I could play an instrument and sing I'd go busking in London, but never mind, I'll just have to soften my Dad up!!!!!!!!:D

 

Hope everyone's keeping their spirits up. My moneyclaim WILL be sent first thing Monday morning, at least it has given them a few days extra to give in to my request(NOT)!!!:D

 

Phil:)

This is only my personal, honest opinion!

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Hello Everyone

 

On my moneyclaim form, does the amount claimed include the section 69 interest or just the amount of the charges that I am claiming?

 

ie. Amount claimed - £10,000 or £10,000 + £2300(s69 interest)

 

Sorry if this seems a stupid question, but just want to get it right!!!!

Phil

This is only my personal, honest opinion!

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i believe sec 69 interest is excluded but contractual rate is included.

 

So sec 69 no,

 

HTH

 

glenn.

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Hello Everyone

 

Just to update, I completed the moneyclaim form yesterday, 15th Sept. I'm away in Inverness at the moment so I should hear back about it by the time I get home on Wednesday.

 

Also, I must'nt forget to buy them chocolate coloured trousers I saw down the market to wear for the coming months, when the going gets tough!!!!:D

 

Keep your spirits up!!!

Phil:)

This is only my personal, honest opinion!

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PHil

 

I submitted my first N1 for abbey, charges from 97- 01 and 05-06 on the 15th too. The charges are relativley small but by the time you add contractual interest its not too far off multi track!!

 

So looks like Abbey will get our claims probably on monday. should make them smile.

 

Be interesting to compare leeters as and when we recieve things.

 

Oh my wife just siad approx 25ks worth of claims on one day, we wonder how many other claims they wil recevie monday?

 

Best of luck

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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but i understand that the listing fee is 275 !!!

 

I had a thought can we add interest on the costs?

 

GLenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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The simplest course is to split it. Start from 6 years ago and add up the charges till they reach £5000ish. Only when that claim is settled,do you issue a 2nd claim for the rest.

 

sureley tho if they offer you the full amount in full and final settlement you have to be well clear on the dates they are settinglig for or you may find you have shot yourself in the foot re claiming the over and above £5k charges IYKWIM?

me against the abbey Paid in full (donation made)

me against the woolwich Paid in full(donation made)

me against HSBC Paid in full(donation made)

 

 

beware the scrapbooker, for she has a long memory and sharp knives :lol:

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Hello Tracey

 

My claim based on statements I have in my possession since Dec '03 comes to over £5000 anyway, in my opinion the estimate I have given to the shABBEY is very accurate!!!! It may work out that the shABBEY will be better off than if they give me the rest of the info and I find out they owe me more, but that is the risk I take, based on my estimate.

 

Phil:)

This is only my personal, honest opinion!

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I thik Phil knows its not 'if' they acknowledge, but when, typically a few days after the due date.

 

At least thats what im expecting.

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Hello Everyone

 

Good news & bad today.

 

The Good News - Well I received a complete list of transactions on my account this morning, from the a date I asked 31/7/00 - 26/4/05.

 

The Bad News - My estimate was way out, instead of £10,000, its now £6612!!!

 

Never mind, I expected the real amount to be in the region of £7-8000. At least now I can get on with my claim, and now I know what it really is.

 

Seems a bit of a coincidence how I received all these printouts at about the same time they would have been served with the papers from the court on my claim!!!!! The shABBEY are full of coincidences, are'nt they;) !!!!!

 

I'll have to adjust my claim now to suit, but never mind, it'll all be worth it in the end, and it will start to get me onto the straight and narrow. My account looks like it was OK until they started charging these disproportionate penalties on our a/c, and it just seems to have snowballed from when they started hitting me with them.

 

Thats all for now, Keep Up The Fight!!!!

Phil:)

This is only my personal, honest opinion!

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The good point though is to know that your claim wont be estimated and so should it get to court there is less of an excuse for them to argue against your claim.

 

Any good luck,

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Hello Everyone

 

I am having to amend my claim due to the change in the total amount I am now claiming, because as soon as shABBEY were served with my claim, they sent me the remaining statements that I was missing, so I don't have to estimate any more. The only thing is, its going to cost me £35 to change it, which you can't clim back!!! This may be another delaying tactic by the shABBEY for you out there that are estimating and are still awaiting the rest of your info, and it cost's you £35.

 

Anyway, with regards to changing my claim form, I phoned moneyclaim, and they told me to fill in a blank N1 form with the same info on as the last claim form but to put the changes in red & underlined, and to send it off with my £35 to them in Northampton. Does this sound about right, to you that have had to change details on a claim before?

 

Phil:)

This is only my personal, honest opinion!

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I think you use form n244, just checking it again

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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foudn this on the thread below

 

 

N244 Application Notice form

 

PART A

 

would like to ask the court permission to amend my claim xxxxxx deemed served on RBS 7/6/06.

 

because

 

-a miscalculation on penalty charges incurred

-a further £50 of such charges incurred

-i seek to include interest payable pursuant to section 69 county courts Act 1984.

 

Part B

 

I wish to rely on: tick one box

 

- the attached (witness statement)

- my statement of case

- evidence in Part C in support of my application

 

I was going to tick box C

 

Part C

 

I wish to rely on the following evidence in support of this application:

 

please refer to attached schedule of charges as well as amended particulars of claim

 

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/16576-me-rbs-vengence-4.html

  • Haha 1

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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Hello Everyone

 

I am having to amend my claim due to the change in the total amount I am now claiming, because as soon as shABBEY were served with my claim, they sent me the remaining statements that I was missing, so I don't have to estimate any more. The only thing is, its going to cost me £35 to change it, which you can't clim back!!! This may be another delaying tactic by the shABBEY for you out there that are estimating and are still awaiting the rest of your info, and it cost's you £35.

 

Anyway, with regards to changing my claim form, I phoned moneyclaim, and they told me to fill in a blank N1 form with the same info on as the last claim form but to put the changes in red & underlined, and to send it off with my £35 to them in Northampton. Does this sound about right, to you that have had to change details on a claim before?

 

Phil:)

 

Phil

 

i was under the impression you could reclaim the £35 when its down to the banks failing to provide the statements in a timely manner.

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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