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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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VG - Vs Northen Rock - Charging Order


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SH, WoW

 

OK let me get my head round it, I complete N244 with the details in post 253.

 

Print it off and take it to the court to be sworn and pay my fee.

 

Then print off my defence attach any relevant documents and send that off to the court.

 

If the above is correct, great.

 

I have one other question please, the N224 to be set aside, will that be listed for a hearing if so do I still need to attend my scheduled hearing on the 23rd?

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SH, WoW

 

OK let me get my head round it, I complete N244 with the details in post 253.

 

Print it off and take it to the court to be sworn and pay my fee.

 

Then print off my defence attach any relevant documents and send that off to the court.

 

If the above is correct, great.

 

I have one other question please, the N224 to be set aside, will that be listed for a hearing if so do I still need to attend my scheduled hearing on the 23rd?

 

It is not the N244 which needs to be sworn, it is the accompanying affidavit. You then attach the affidavit to the N244, along with your doctor's letter as evidence of your medical condition, and take the whole thing back to the court to submit.

 

Of course, if you fill in your N244 and take that and your doctor's letter to the court when you have your affidavit sworn, you can then attach everything together and submit it during the same journey to the court.

 

You will still need to attend the hearing on the 23rd. I would send the defence/objection off on Monday or Tuesday.

 

The application to set aside the original judgment should be submitted as soon as possible, but at the moment the court service website is not working, and you may want to wait for feedback before submitting the forms.

 

SH

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SHs input here has been superb VB.

10/10

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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4 This claim appears to arise from an account I opened on or around xxx

 

 

I think you should take out "appears" and change to The claim relates to ..........

 

 

Also the links to the OFT debt collection guidance-I would insert instead the reference to the published report

ie; Office of Fair Trading final guidance of unfair business practices bla bla bla..........

 

 

Similarly the same with the banking codes links

 

to read something like

As is detailed within the banking codes**** as ammended in March 2008.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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In any event you will need to have hard copies of both OFT Debt collection final guidance and also the Banking codes.

 

I think also there will definitely be some things in the Unfairconsumers terms regs 2008.

 

In particular failing to uphold codes of practice.

This is a good one to use-and straight away the Banking Codes one is obvious.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Print off relevant sections showing reference to the work

ie First page and maybe index page.

Highlite in index page (s) too.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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OK Martin

 

If SH is around, if this is the affidavit form if so you may like to bookmark it for future reference.

 

http://www.hmcourts-service.gov.uk/courtfinder/forms/n285_0499.pdf

 

That's the one! You should be good to go now. I should have all these forms saved to my hard drive to cover an eventuality such as this.

 

Thanks.

 

SH

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OK I'm doing the affidavit but there's not enough space to insert the statement, should I use 2 affidavit forms?

When I send documets with the affidavit do I refer to them as a) b) c) etc?

 

For instance my CCA / CPR letter request & also confirmation of postage and delivery.

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You dont have to use 2 Affidavits-just reference to the statement of case/statement of evidence etc that you are attatching.

Do a simple appendix listing attatched documents.

 

And...dont forget the statement of truth at the end.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I've done 2 affidavit's Martin not to worry I can reamend my paperwork, I'll do one affidavit and attach an a4 to it with the rest of the text, I'll then add the statement of truth.

 

As for my defence, when I send if off do I refer to the enclosed documents as a) b) c) etc., etc.,

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Just an update to say I've handed in my N244 & affidavit I'll concentrate on my defence now.

 

Thanks to everyone who's contibuted especially SH you're a STAR.

 

The defence I'm going to submit to the court, do I have to send a copy to the claimants / Solicitors?

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A defence in a redetermination hearing would not need to be sent to the other side, but objections to a charging order do need to be sent to the alleged creditor and the court at least seven days before the hearing.

 

In this case, I would just send the whole of the combined document which encompasses your objection to the charging order.

 

SH

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Oh dear SH I thought I was understanding all this crap!!!

 

OK, the defence that you tided up for me above does that cover both issues when I go to my hearing or is that a defence just for the redetermination?

 

Do I have to do a separate objection letter to stop the interim charging order being finalised?

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