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    • 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  
    • According to Parkopedia parking is limited to two hours.  I don't know how accurate this is though. What were you doing there for four hours?
    • no its friday 21st by 4pm if you'd done it properly and read the sticky in post 2 it clearly says: ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total)  if your defence filing date falls on a W/End, you must file by friday @4PM  
    • Have had a read up just to double check last day to file defence is 24 June (claim form date is 22 May)
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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Lloyds TSB ccj


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right at the beginning ( before we came on here ) my wife phoned the court . They said to send acknowledgment back . They told her it didnt matter which box she ticked as long as they got it back !!!!! she thinks she may have ticked partial admission but we have not stated an amount . This was obviously a mistake but i understand we can ammend this . We were in a rush to get it back and the woman from the court basically said " it doesnt matter which box you tick .. just get it back to us in time "

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right at the beginning ( before we came on here ) my wife phoned the court . They said to send acknowledgment back . They told her it didnt matter which box she ticked as long as they got it back !!!!! she thinks she may have ticked partial admission but we have not stated an amount . This was obviously a mistake but i understand we can ammend this . We were in a rush to get it back and the woman from the court basically said " it doesnt matter which box you tick .. just get it back to us in time "

 

OK - the written defence that you have filed does that contain any admissions.

 

You say its' the embarrassed defence - which one is it as there are several floating around on CAG - can you post the one that you have filed

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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I hate that document...but it doesn't contain any admissions - once we've seen their witness statement we can sort out the necessary amendments

 

Does the claim contain account charges

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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Thats the thing we dont know ... the only thing on any of the staements is interest ...... any charges that would have been applied would have been before the time of the statements they have sent ( which again i think is unfair as we cant tell if there are any charges !! ) . The statements we have are basically .... amount ... interest ... new amount !!! thats it

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Just had another look at statements they have sent ... something bit weird .. some of them looked cobbled together .. We got married in 2002 and they started to use the married name and then it seems in about september they started to use her maiden name again ... then after a bit went back to her married name .... the fonts on some of them dont seem right !!!! very strange but probably nothing sinister !!!

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I think that they have a problem - they need to be able to prove where the claim has come from

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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I was thinking that .... and they cant just issue a new one to the new address can they .. or can they ???

 

They can issue what they want to your current address but they'd be pretty stupid to issue another DN as you have proof that they've already issued to your previous address ;)

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They can issue what they want to your current address but they'd be pretty stupid to issue another DN as you have proof that they've already issued to your previous address ;)

 

There is an argument - that to be honest I haven't got my head round properly - its one that Viscount Stair and I think PT have explained - that says that once they've issued a D/N (even if its' defective) and then proceeded to terminate the agreement that they then cannot lawfully issue another D/N because the agreement has already been terminated

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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I have been trying to up load the statement that they sent with bundle but it does not seem to be working so will type it out for any comments ...

 

STATEMENT FILED PURSUANT TO SECTIONS 78(1) OF THE CONSUMER CREDIT ACT 1974

 

1. xxxxx (nee xx ) applied to Lloyds TSB bank plc ( " the bank " ) for a credit token , namely a Lloyds TSB Trustcard Visa Credit Card and the bank granted her application on the 20th september 1995 . Ther Credit card agreement was numbered xxxxxx and a credit card providing running account credit was opened under that reference number in the name of xxxxxx . The credit card account of that number was closed by the bank on 8th October 2008. the outstanding balance of £(just over 9k) was transferred to the Banks Debt Recovery Unit.

 

2. A copy of the running account Credit Agreement was sent to xxxxx on the 9th May 2009

 

3. The amount currently payable by xxxx to the Bank under the running account credit agreement is £ ( just over 9k + £300 !! ) . This amount is inclusive of legal and professional costs occassioned by the taking of court enforcement action .

 

4. I can confirm that since closure of the account no further amounts will later become payable under the Credit card Agreement save for any further legal costs which may be payable but cannot be ascertained .

 

Statement of Truth

 

the claimant believes that the facts stated herin are true . I am Duly Authorised Claimant to sign this statement and sign for and on behalf of the Bank

 

Full Name xxxxxxxxxxxxx Signed xxxxxxxxx

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thanks babybear will do ... although i just feel like writing to them and saying ..... your agreement is rubbish ... you totally mucked up the DN . you cant prove debt ... now go away ....... but prob not best idea !!! lol

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thanks babybear will do ... although i just feel like writing to them and saying ..... your agreement is rubbish ... you totally mucked up the DN . you cant prove debt ... now go away ....... but prob not best idea !!! lol

 

You could say it in a very polite way incase it ever goes to court ;)

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really .. i was only half joking but would it help do you think if i wrote back and explained the flaws and said i was trying to save court time etc etc .... or were you joking too ???/ lol

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so write back to solicitors saying ( polietly ) ... i dont think you have a case because of xxxxxx so in order to save courts time and costs would you please put your head in a bucket of sand until further notice ???

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Yes, something along those lines 'cos if it went to court it would not amuse the judge that the courts time has been wasted when there clearly isn't a properly executed CCA. This is a complete defence at law ;)

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i think thats a good idea ... think i will try and get the application form on here so you can have a look ... just to be sure but it is definately just an application form ....... none of prescribed terms on it ...... not one mention of interest rate ( apr or otherwise ) anywhere .... it just looks like the form used by bank to credit score it

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