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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
      • 161 replies
    • 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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Anybody have access to books by Muir Hunter on Insolvency ??


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Sorry 42 man, I don't have access to Muir Hunter any longer but I should think the reference is to the Incsolvency Rules 1986.

 

Rule 6.15 deals with the service of a bankruptcy petition and how you prove it has been served. The Rule is

 

"6.15 - Proof of service

(1) Service of the petition shall be proved by affidavit.

(2) The affidavit shall have exhibited to it -

(a) a sealed copy of the petition, and

(b) if substituted service has been ordered, a sealed copy of the order;

 

and it shall be filed in court immediately after service."

 

Basically, the rule is saying that the petition must be drawn to the debtor's attention in a specific way (using a process server) and that fact should be confirmed on a sworn document that is sent to the court striaght away. You can't get down the road of a bankruptcy hearing and when challenged about service, the creditor suddenly say a copy was posted to the debtor. The petition has to be served properly beforehand or the petiton will be thrown out.

Edited by Docman
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Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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Am I right in saying that if one hearing is adjourned without the debtor being present then an affadavit of continuing service shall have to be filled out immediately after the adjourned hearing ?? and does that have to be served also ???

 

(By the way Doc, keeping my eye on your threads....if I can help give me a shout !!! eternally grateful to you as you know...!!)

 

 

No, I'm afraid not. If the court adjourns the hearing, the creditor has to send a notice of the adjournment to the debtor but the Rule (6.29) does not specify that service of the adjournment order must be verified by affidavit.

 

There is an assumption that the debtor must be present at the first hearing of the petition, since if he is not present, the court would normally make the bankruptcy order. Any notice of adjournment is therefore confirmation of what he should already know.

 

As to the Boggiss case, I've drawn a blank. Never heard of it and nor have some of my old friends in Bloomsbury.

 

If you can post anything about what is happening without revealing too much, I'll try to help.

 

Doc

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Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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