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    • You typed it in? actually typed it all out? if so, maybe you took too long or something, like session timed out. Does the status show defence filed or no change?
    • Hi just typed all defence clicked next and it's deleted all. Any help
    • I forgot to say, there is one last possibility and that is that they will receive your letter of rejection and simply fold, accept the rejection and refund you. Don't wait too long for this. Seven days maximum – but in that seven days you could send your letter of claim anyway and when that you don't hear from them or when they start mucking around at least you are seven days closer to beginning the legal action – and they will know it (which is the important thing).
    • Okay that is excellent that you have an email between the garage and the warranty company confirming that there is a serious problem with the gearbox. That is very powerful evidence. I think the situation is this: you have sent them a letter of rejection but the reputation of big motoring world is that they won't take a lot of notice and they will try to prevaricate and maybe even blame you. Clearly you don't want the car any more and anyway it sounds as if the cost of repairs is going to be enormous. You don't know if the warranty company is going to step up to the mark but the whole thing is going to take a long time and I understand that you have lost confidence in big motoring world because of this event and also their reputation which you are now discovering on Facebook and on this forum and no doubt elsewhere. On the basis that you don't want the car any more and you want your money back, you need to hurry things along. I think the first thing is that you need to decide if you are prepared to bring a claim in the County Court. Even without the warranty money, the claim is worth more than £10,000. For actions less than £10,000, you bring a "small claim" and this means that even if you lose the case you won't be liable for the other side's costs. If you win the case then not only will you get your money plus interest but also you will recover all of the costs of the action. For actions more than £10,000, you go to something called the "fast track" and in the event that you lose the case, then you could be liable to reimburse the winner some of the costs. This means that in addition to not recovering your own money, you would lose your own court fees and also you would have to to bear the costs of the other side probably something less than £5000 – but as a rough guess. If you bring your court claim then your chances of success are almost 100%. Frankly if you brought a court claim then I can imagine that big motoring world will put their hands up and pay you out rather than face go to court and losing and getting a judgement against them. However, it you need to consider that this is a risk factor – although my view it is a negligible risk factor. If you did bring a court case, it wouldn't be instant. If they put their hands up then it would probably happen very quickly. If they didn't put their hands up then you could take anything up to a year for the matter to be resolved and during that time you would be without your car and without your money and in the middle of litigation. I'm explaining this to you say that you understand how it works. Bring a court case would be really the last resort when everything else has failed. However, I'm quite certain that you would win and it would be stupid of big motoring world to try to resist. In order to bring a court case you would have to send a letter of claim giving them 14 days to accept rejection and organise the refund otherwise you would begin the claim. Don't imagine that you could bluff this. If you did send a letter of claim then you would have to go through with it otherwise you lose all credibility and you might as well pack up and go home. So with this in mind, here are possible courses of action you could take. You can simply wait and see what their reaction to your letter of rejection will be. However they may not reply or else they may find some other reason to delay and of course during that time you will be without your car and without your money blah blah blah, not knowing if big motoring world were going eventually to start acting sensibly and respectfully towards you. The second thing you can do – and I think this has been suggested on Facebook – is that you can go along there and simply make yourself present and talk to other customers and generally speaking make a nuisance of yourself and embarrass them to the point where you would be explaining to other potential customers to be careful, to look on Facebook, and to do some careful research before they put their business to big motoring world. This has a reasonable chance of success although you would have to be careful. You should go accompanied by a friend and there should be no anger, no arguments, nothing that could be considered as being overly aggressive so that big motoring world would have no justification in kicking you out or even worse, calling the police. If you did this, then I would suggest that you record everything on the telephone carried in a pocket. A fully charged battery will probably keep a voice recorder and a telephone going for more than 20 hours or 30 hours. The other person can video any incidents so that everything is clear and you can inform big motoring world then it will be going up on the Internet. If you did this, my favourite option would be to issue the letter of claim giving them 14 days, and then going along to big motoring world with a copy of your letter of rejection and a copy of the exchange between the mechanic and the warranty company and a copy of your letter of claim – all settled together – and probably about 20 or 30 copies in all and I would start handing them out to any customers who came in. Big motoring world will soon get the picture and they will either move your the premises in which case you stand outside and carry on doing it or they will finally give in. Of course there is a chance that they won't give in and they will simply call your bluff – but in that case I think you have no choice other than to follow through with your 14 day threat in the letter of claim and to begin the legal action. At the same time you should be putting up reviews on Google and also trust pilot explaining exactly what has happened and also explaining that the mechanic has confirmed to the warranty company that there is the serious problem, that you have asserted the right to reject and that this is been ignored by big motoring world and that you have now sent a letter of claim and that you will be starting a legal action in 14 days. Once again, don't bluff about the legal action. If you threaten it – then you must mean it – and on day 15 you click of the claim. You don't need a solicitor for any of this. It's all fairly straightforward and of course we will help you all the way that it the decision is yours to make and I think you need to make it fairly quickly. I think the cost of starting an action for about £13,000 is 5% and then also if it goes to trial which I would say is almost impossible – there would be an additional fee. You would claim interest at 8%. A judge might award a lower figure but frankly if you can show that big motoring world is attempting to ride roughshod over your very clear statutory consumer rights, I can imagine that the judge will want to show displeasure by awarding the full 8% which is a pretty good rate – even though it's not compensation for the hassle and the distress you are going through. If you decide to get solicitor, then if you win the case, because it is over £10,000 you will recover some of your costs but you won't recover all of them. If the solicitor begins by having exchanges of letters then I doubt whether you will be up to recover the cost of those and you could easily find that you're chalking up 500 quid or even a thousand simply on initial exchanges of correspondence. Also you need to bear in mind that if after having exchanges with a solicitor, big motoring world cave in – then you definitely won't get those costs back because you won't have gone to court and therefore a judge will not have made the order for payment of those costs. I suggest very strongly that you avoid paying any money for a solicitor and that you do it yourself. It's not a big deal – although you will have to you react quickly to the help we offer on this forum. Also, an additional benefit is that you will learn a lot and you will gain confidence and eventually you will feel good about suing anybody else who gets in your way. Nothing not to like! If you do decide to instruct a solicitor then you must take control of the solicitor. Most of them prefer to sit in an office writing letters on the clock. If you do decide to instruct a solicitor then you must instruct the solicitor very firmly that they should send one letter of complaint giving seven days. A second letter – a letter of claim giving 14 days and that they must then begin the action. If you don't do this. If you don't take control then it will simply cost you money, you will be without your car even longer and of course without your money. The whole thing is a nightmare. I think I've laid out the options but please do ask questions. I hope you can see that this is the kind of advice that you won't be getting on Facebook. Nothing against Facebook. It's good as a meeting place and to make people realise that they aren't on their own – but after that the advice given is weak and confusing.  
    • What makes you say that?  I have no idea how I would go about that or why they would even entertain discussions now that they've won the Court case
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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 
      • 81 replies
    • 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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  • 4 weeks later...

Hi

I've been trying to get in contact with the MIB for the past two years. Every time I send my claim application it gets returned and when I tried to call them I get a message to say that this service is not available.

 

Does anyone know how to get in contact with them? Any help would be appreciated.

 

Thanks

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I'm claiming for damages to the vehicle. I've been sending it to the address that they have given on the website.

 

Motor Insurers' Bureau

Linford Wood House

6-12 Capital Drive

Linford Wood

Milton Keynes

MK14 6XT

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I phoned them and got through ok. Spoke to a helpful chap who couldn`t discuss my particular case because he advised me to stick with the Solicitor. Won`t your Insurance company deal with it?

IF I HAVE BEEN ANY HELP AT ALL OR JUST MADE YOU LAUGH AT MY STUPIDITY PLEASE MARK MY PERFORMANCE!

 

ALSO REMEMBER TO DONATE. EVERY LITTLE HELPS AND THE FORUMS ARE FOR YOU!;)

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  • 2 months later...
well yes unless they have a very good explanation as to why they havent issued - the MIB are very difficult to deal with and if you dont comply with all of their requirements , they wont deal with the claim

 

I would like to add (as a new user to this forum) that you are having similar difficulties to myself.

I got hit by a Turkish lorry in December of 2007, and the claim was passed to the MIB in January of 2008, and has been ongoing since then!

I have to say that the MIB do indeed take thier time, and I received thier photos form the LOCUS report yesterday (after 3 months of my solicitor asking for them and the report!).

It is distressing to note that the Locus report shows a completely different accident site to where the accident actually took place, and what with the MIB dragging thier heals, with no end in sight and no offers of interim payments, I have now instructed my solicitor to issue claim against them AGAIN to try to get this sorted out.

It is also unfiar to note, that once my solicitor gets any form of headway with dealing with the MIB, they change the case/file handler who then demands upwards of 2 weeks to reveiw the case notes and files!

 

On a second note, if a request for an interim payment is made, does this affect the claim for lost earnings (as I have been signed off since the accident with back, neck (whiplash and soft-tissue damage) and shoulder injuries as well as difficulties with my knees since the accident!)?

 

I could do with SOME hope for this nightmare to finally end so that I can get on with my life and enjoy my 2 very young chilren!

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  • 2 weeks later...

Don`t want to entirely de motivate you but my case goes back to Nov 2004 although my wife settled in 2007.

I have seen various Consultants,had scans,xrays had counselling andam now off work. The mistake I made was trying to go back to work and relying on an understanding employer.

A couple of months ago I did get an interim payment of £3000 which is all but gone now! This will be taken off my final payment.Good luck.

IF I HAVE BEEN ANY HELP AT ALL OR JUST MADE YOU LAUGH AT MY STUPIDITY PLEASE MARK MY PERFORMANCE!

 

ALSO REMEMBER TO DONATE. EVERY LITTLE HELPS AND THE FORUMS ARE FOR YOU!;)

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Don`t want to entirely de motivate you but my case goes back to Nov 2004 although my wife settled in 2007.

I have seen various Consultants,had scans,xrays had counselling andam now off work. The mistake I made was trying to go back to work and relying on an understanding employer.

A couple of months ago I did get an interim payment of £3000 which is all but gone now! This will be taken off my final payment.Good luck.

 

Thanks for replying eyeballs!

I am not too de-motivated because recently my solicitor notified the MIB to find a good solicitor to answer the claim in court, as they based their decision and underlying demands on incorrect accident site information, and my solicitor has also had enough of them delaying the claim.

We are now waiting for their reply, but court case paperwork will be issued against them within 3 weeks, regardless of what they reply.

Now that they have evidence based on the ACTUAL accident site, my solicitor states that their case does not hold any validity and once it goes before a judge (which is what they are now aiming to do) the MIB will have NO option but to accept liability in full as they have NOT received/obtained a statement form the other driver.

I'll keep you all posted...

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  • 1 month later...

I try not to dishearten any of you, but I am still waiting for a payout from the MIB after having been run over as I was crossing the road in 2002. As it was a hit and run, person not found but the car, which was not registered and therefore not insured, I have to rely on the MIB for any compensation. Initially they tried to tell me I would only get 50% as it was my duty when crossing the road to ensure that I would not be in danger while doing so.

Apparently they are a law onto themselves.

And NO you can not take them to court. I have had major expenses and had them since 2002, but when they finally make a payout they will not pay interest and as for legal fee, the maximum they will pay is £180 pounds, which means that I will pay my solicitor form my compensation, which is obviously much more then £180.

They have made an offer, but the first one they made was only to compensate me for my obvious financial loss.

The initial offer did not include any element for the fact that I spent 4 weeks in hospital, have undergone 10 operations, had a metal frame for 8 months, did not work for nearly 18 months and am now reliant on other people to do a lot of things I did myself, am also now permanently disfigured, had to give up all the sports I used to do, not to speak of the psychological damage.

Every time they make an offer they reduce the payout for the disadvantage on the labour market as I am getting closer to my retirement age!!

Recently it has taken them between 8 to 12 weeks to respond to a letter from my solicitor and eventually daily calls from the solicitor (The claim handler is never available, calls are not returned) before we get yet another paltry response. I don’t even want to get into the cost that this involves for me.

I have lost all my trust in getting justice for what happend to me.More than 7 years this has been going on!!! And no end in sight.

Of course I could just accept any offer they make. But it just feels wrong.

The accident ruined my life, and the MIB are doing it a second time.

Edited by babsim
Had formatting stuff init.
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I'm sure you'll not need me to tell you, the MIB isn't a charity - but an organisation that is funded by the premiums of law abiding drivers who have to pay extra for their insurance cover so that percentage goes to the MIB to administer the scheme, which was forced on them by the Government (who, plainly, did not want the responsibility or financial drain of doing it themselves).

 

The truth remains that MIB will never be in a position to pay what is a 'fair' amount based on relaistic values - it offers a pittance, and will at least (eventually) provide something. I have paid my car insurance for 40-odd years, and a fair chunk has gone to the MIB. In the absence of the Government taking up the slack (and we know where the money for THAT comes from!)- have you any thoughts on where this funding should come from? If at least SOMETHING is paid, then the immediate problems are addressed - those other difficulties, well - that's what insurance (personal) is for, and I pay for that too. Are you suggesting this should be provided at no cost too?

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Hmm see your point but I have been a motorcyclist or car driver for 32 years and paid my dues the same as you so they should compensate fairly.Bit like the NHS you pay in then when you`re ill they`re not always there.

IF I HAVE BEEN ANY HELP AT ALL OR JUST MADE YOU LAUGH AT MY STUPIDITY PLEASE MARK MY PERFORMANCE!

 

ALSO REMEMBER TO DONATE. EVERY LITTLE HELPS AND THE FORUMS ARE FOR YOU!;)

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Me too - and a special policy (in addition) to my road cover policy to cover pursuit on both my uninsured losses and the possibility of being hit by an uninsured driver (it is a self-administered trust) gives you that edge not to have to rely on MIB exclusively. I just believe if the driver takes these additional mesures to protect themselves, thety don;t have to go cap in hand for what should be rightfully theirs.

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I also see the point and have been paying for more then 41 years into motor insurances (bike and car). As it happens I was a pedestrian this time. Even if I have other personal insurance, I still feel that the 'reason' for the injury should compensate for the result. And if the judges, courts, insurance companies & goverment would take a less lenient attitude to something which I regard as criminal (and is in most other european countries), like no insurance, no tax, and specifically 'hit and run' instead of treating those offences as minor, maybe the general attitude would change too.

I know through my involvement with a support group, that drivers who have through their fault caused death, being let of with fines and NO mention of the death / injuries they caused is made during the hearing. And if affected relatives want to point this out, they get threatened with 'contempt of court' actions. And other drivers involved in a hit and run with no or revoked driving licences, no insurance, mot or tax being let of with a fine for just one of the offences (never the hit and run though).

That is my gripe!

And the fact that the MIB has been stalling from the word go, will pay no interest on the past financial losses, but deduct it from any losses for the future because they are paying a lump sum.

--

There are of course schemes for criminal injuries. But they always explicitely exclude victims of road traffic incidents from any rights never mind financial compensation.

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I suppose I am very lucky, in that the MIB have now been informed by my solicitor that they should be prepared to provide a full and complete offer to end the claim or look for a good barrister, as they have accepted the place of the 3rd party in this case, then they will be issued against in the county court with regards to the issue.

My solicitor has informed them of the following:

1) Based on photographic evidence supplied by myself, their claim that I accept 50/50 liability is false

2) Based on the fact that they have failed to provide any form of evidence supporting this refusal to accept liability, they will be held in contempt by my solicitor (basically, they keep delaying the case, then refusing to acknowledge letters/phone calls!)

3) They still have not supplied a statement from the 3rd party driver

 

I have been told that the case handler has referred the case to a supervisor due to the error in handling the locus report, so my solicitor has given them until mid-July to consider their position, and informed them that regardless of their reply, the case will be forwarded to be issued by my legal team management.

 

I will keep you guys informed as to the outcome, but my solicitor feels that we are within 1 month of resolution/county court, so heres' to waiting for a couple of weeks longer!! :)

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On a final note, my claim is broken down into the following:

 

Accident Compensation offer (by MIB): £3000 (originally offered £2500 and refused this as not a fair assessment of injuries and after-affects)

Loss of earnings (until current date): 18 Months+ at £1220 p/m (AFTER tax/NI deductions)

Any additional costs and Legal Expenses: (also note that legal expenses on this are covered by my insurance as I have up to £100,000 legal cover on a fully comp policy!)

 

My calculations show (and have been agreed to by my solicitor as well!) ads being in excess of: £22,260 and counting!

 

I do NOT expect the MIB to want to pay this out, but according to my solicitor, if they refuse to accept liability, or delay any longer, my solicitor is going for £50,000 to cover ALL the case stuff!

 

Who know, Might even see some of that!

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  • 4 weeks later...

Well, to say I am shocked would be an understatement!

I received a phone call from my solicitor yesterday, and it bowled me over!

Basically, the MIB have ACCEPTED full liability and have ACCEPTED and will deal with the claim in FULL and will also pay out the claim in full upon agreement with my solicitor!

Nearly there, just waiting for the medical report and all is pretty much sorted!!

 

I wanted to thank EVERYONE for their input and say: "Don't give up, but with the MIB it IS a waiting game, so patients is needed when dealing with such a pedantic, government run agency"

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Well done! They must be having a generous week. Just got a 15K interim payment. Best of luck for the future.

IF I HAVE BEEN ANY HELP AT ALL OR JUST MADE YOU LAUGH AT MY STUPIDITY PLEASE MARK MY PERFORMANCE!

 

ALSO REMEMBER TO DONATE. EVERY LITTLE HELPS AND THE FORUMS ARE FOR YOU!;)

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  • 4 months later...

Latest news:

 

The MIB have now decided to delay things even further by re-requesting medical evidence on the matter, meaning that it WON'T get fully addressed or sorted out until the new year!

 

I find that this is really dragging on, but other poeple have had even LONGER to wait and I think that the whole process and procedures need to be re-addressed by government as they effectively "control" how this type of thing is handled.

 

My solicitor has told them in writing and in recorded telephone conversations that if she feels that the case is being effectively "delayed" without reasonable grounds, she will issue for court proceedings, and as the MIB have accepted full liability, they will have no choice but to answer the case, however, still means that they won't be finalizing the case for a while...typical really!

 

Hope other peoples' experience at the hands of the MIB are better than most and certainly better than mine! LOL

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I havn`t read back on your post but if you look at post#11 there is a point made about a three year time bar fot taking court action so I don`t know if your within or near that point.

 

My claim still goes on 5 years and 1 month now and I may still have to see the MIB Consultant. Good luck

IF I HAVE BEEN ANY HELP AT ALL OR JUST MADE YOU LAUGH AT MY STUPIDITY PLEASE MARK MY PERFORMANCE!

 

ALSO REMEMBER TO DONATE. EVERY LITTLE HELPS AND THE FORUMS ARE FOR YOU!;)

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