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    • TBH gotta be quite frank here as much as we hate BM world. why didn't you not simply change the battery? or come here FIRST before launch a court claim? or let them do it.? a flat battery is gonna be a hard case to win +£500 on     
    • Hi all, thanks for the feedback. I have now made the final amends and included the supporting evidence in this final version of the WS / court bundle. Attached is the redacted version of this final WS / court bundle. If there is any further feedback, please do let me know. If not, I will get 2 copies printed for posting - 1 to the court and the other to Evri. Final Draft - Witness Statement and Court Bundle redacted.pdf
    • We dispute the claim on the basis the claimant has made not efforts to mitigate their losses, nor did they obtain any prior authorisation. The claimant purchased a used Mini Cooper Convertible from our dealership on or around 21st April 2023. On or around 23rd April 2023 the claimant notified ourselves that the vehicle had failed to start, the claimant had since had this diagnosed as a battery. The Claimant proceeded to book their vehicle with Stephen James (BMW/Mini Main Agent) and authorised a battery replacement and paid a total sum of £597.42, the claimant obtained no authorisation for this cost beforehand, and has since tried reclaiming the full amount. We have advised the claimant we would not consider the cost of the unauthorised repair he has had completed. Had the claimant returned the vehicle to the selling dealer, it is likely we would have offered to replace the battery at no further cost to themselves, we have therefore agreed to offer a contribution of £165 towards the repair. This cost is in line with the cost of a replacement battery had the vehicle been returned to ourselves.    
    • You can only get a CCJ if you lose the case and then stick two fingers up to the court and refuse to pay. Even in the very, very unlikely event of you losing, as long as you paid within the 30 days ordered by the court you wouldn't get a CCJ. But you've come here very late and we need the sticky filling in please.
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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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      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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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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Nemo - Repossession hearing please help***SUSPENDED***


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The N244 is a PDF document - you just need to print it out and fill it in in pen.

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Affixed is the letter you need to send to the lender - make sure you send it by special delivery guaranteed next day by 1pm - if you send it tomorrow they will get it Monday morning and we have given them until Friday next week to reply.

 

When you print the letter out make sure the printer is set for A4 paper, not letter size. Fill in your address, their address, mortgage account no and also - in the 3rd paragraph I have put Mr XXX has secured a new job, delete the XXXs and put your name there - check the text stays all on one page. Also check you have the correct address and department to send it to.

 

Let me know when you have completed the budget sheet and if you need me to look it over you can send it to me at [email protected] (there is no space between the c and o, the site just makes it look like that). If you do send it to me let me know so I can look out for it.

 

Make copies of the letter and budget sheet before you send them - and keep the receipt for posting safely so you can check and print out their signature a few days after posting. We will need all that to go with your defence papers if necessary.

Isoprox letter.doc

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Ok word opened it ok so can edit the letter, just had a glance over the info that they have sent not sure I can get my head around the monthly interest charges tho, but back in January 2015 it says interest waived £6,395.00 I'm presuming that wrongly calculated interest in the past so they have deducted it from the total sum owed I can take pictures of the account history and forward them to you if they would help our defence?

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Let's see what happens after you've sent the letter and budget sheet. You need to put your name and account number on the top of the budget sheet.

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Ok when I'm done with the budget sheet and letter I will forward them onto you just make sure I have completed everything ok, they did say that they already instructed there solicters to start the eviction process with the county court and would contest us at court due to the arrears history so I'm not holding much hope with the letter I'm sending but fingers crossed and thanks again for your help

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You need to send the letter to confirm that you had tried to come to an arrangement with them. Never mind what they say to you at the end of the day it's not their decision to make, it's the judge's decision! You will find that judges do not want to take people's homes away as long as they can show they have the income to make payments towards the arrears.

 

Who is the lender ?

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Thanks it's just that we are so worried at the moment, I remember the last time when I went to have it suspended the judge wasn't very pleasant with me at at all and I hope I don't get the same one this time

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Hi, did you get the letter sent off ?

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OK, were you OPK with the budget sheet? how much did you have left over in Step 5 ?

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You have to wait for them to reply - you gave them till Friday. Keep an eye on your emails in case they respond that way. Also they may try to contact you by phone, no harm speaking to them, but do not allow them to pressure you into offering more money - stick to your guns.

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If you are able to make payments towards the arrears it is extremely unlikely that a judge would order eviction - try not to think about that at the moment.

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Just received a letter from nemo finance this morning

saying that the amount of arrears totals 13 missed payments and the instruction was due to this fact,

also saying that we had very little contact with them which is a total lie,

 

 

also saying that I never told them I was unemployed at anytime,

 

 

also they are saying that I never got back to them to prove I had been SSP

which in all fairness I didn't and that's because I was was receiving it

 

 

I just said I was as an excuse really, then they are saying that they have concerns with my budget planner

and my offer of £100 as I have more than enough to offer moe

 

HELP NEEDED PLEASE

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OK, were you OPK with the budget sheet? how much did you have left over in Step 5 ?

 

Hi, you didn't answer the above question - you may have left over too much and they will want that towards the arrears as well..... I did offer to look over your budget sheet, but you emailed it to them quite quickly

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Hi Ellenn

Sorry I have only limited time with access to the Internet , I thought I emailed you my budget sheet, after lookin at the budget sheet that I sent it seems that I have missed adding a secured loan repayment which would reduce the amount on the budget sheet, I will email the sheet over to you again with the other secured loan amount, also do you want to have a look at the letter that they sent me.

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