Jump to content


  • Tweets

  • Posts

    • 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
        • Like

Marlin/Mortimer CCJ HFC Marbles Card - Set Aside Help **WON plus Costs**


Spamalot
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5204 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi FG,

 

Did you send them a copy of the applic. to set aside NOD? No I didn't, the court said they would do it... I had the copy all ready to send but after the court fiasco I left it up to them to do.

 

If not & you feel the need to send the letter spam, suggest you include it & amend your last para to reflect the enclosure. i.e. this corresp. is being sent as info. for you & not a pleading to settle ;)

 

As I wanted to get it in todays post, I sent it a short while ago...:cool:

 

Due to the unsettled postal situation at present I was also going to send a copy by email.

 

Therefore I'll enclose the letter in the email and state that it is for info only and not a plead to settle... hopefully that will do the job...

 

I must admit I'm finding it hard to resist the urge to add 'Stick that in your pipe and smoke it' but I shall behave..:rolleyes:

 

Spam.:)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

  • Replies 578
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

 

Therefore I'll enclose the letter in the email and state that it is for info only and not a plead to settle... hopefully that will do the job...

 

 

Sorry spam, didn't make myself clear; that sentence was for your consumption not theirs. Suggest you just put 'for your information, enclosed copy of application submitted to court'. That way it looks as though you are standing strong in your position & not appearing to grovel a settlement.

Edited by foolishgirl
addition

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

Link to post
Share on other sites

:rolleyes:

 

Too late.. never mind... they should have a copy of my letter via email with a note saying that it's for information only etc. and hopefully the court will send them a copy of the Set aside application some time next week.

 

Either way they know I'm not rolling over this time... ;)

 

Spam.:)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

well done spam! Love your thread!:D:D:D

  • Haha 1

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

Link to post
Share on other sites

My newt update.

 

Rang the court today to see how they were progressing with my application to set aside the discontinuance.

 

It seems it has gone in front of the Judge and will be listed for a 30minute hearing... date to be advised as they have a heavy workload but could be any time between November and January next year...:eek:

 

Just wondering what I will need to prepare for at the hearing... :confused:.. it's been given longer than I had for for my first three applications put together and I thought it was going to be a simple case of 'Discontinuance set aside and a new date to submit defence...

 

Any ideas anybody??

 

Thanks, Spam.:)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

Drags on doesn't it spam? :(

 

Seems strange the DJ wants so long. I can only assume that he wants to know exactly why you want to set aside, most people being happy to accept a discontinuance.

 

Well, thanks to MC recent corresp. you now have the evidence that they will seek to reinstate pursuance of this debt if you don't get a judgement in your favour at this point & you will be able to show this to the court; in addition you have your proof that you attempted to make an amicable arrangement to save court time & costs but MC wouldn't play ball.

 

I suggest when you get the hearing date you ask the court if they want some sort of witness statement in advance.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

Link to post
Share on other sites

Hi FG, :)

 

Thanks for the advice, hopefully I should get a date in the next week or so and be able to update a bit more, as you say I have evidence of them not being willing to settle so hopefully it will stand me in good stead.

 

Spam.:)

  • Haha 1

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

Hey spam, think foolishgirl is absolutely correct, and the

 

could be any time between November and January next year..

 

is a sign of the times I think, no particular reference to your case. I bet the courts are overloaded with wasted applications from OC's at the moment, they are so clutching at straws so to speak, and then don't forget there's your Honours Xmas leaves to build in to that period..........:cool:

  • Haha 1
Link to post
Share on other sites

  • 2 weeks later...
  • 3 weeks later...

Hi All.. :)

 

Received a 'Statement of account' today from 'Phoenix Recoveries' who despite being in Luxembourg, have a PO Box address in Worthing.. :rolleyes:

 

The statement (the first ever received from these people since they were allegedly assigned to this alleged debt) includes court costs etc from their discontinued claim and a request for the outstanding balance...

 

Therefore despite everything that has gone on they are still trying to collect on this account...

 

I contacted the court to ask when my Set Aside of the discontinuance would be heard as I submitted it over a month ago and I haven't heard anything... they say they are short staffed and it'll probably be at least a couple of weeks before they get around to listing it and at the moment the ones they are listing are going well into next year. :(

 

I suspect that 'Phoenix' are about to 'try again' before the last claim has finished because despite me saying you will be hearing from my local court in due course, sod all has been done and it looks like I've been blowing hot air and accepted their actions. The statement is dated just after the 28 day deadline for the Set aside application. Now, is that a coincidence or am I just being cynical and suspicious? :(:Cry:

 

Next stop... another default notice?

 

Spam. :)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

Hi, I got statements for my accounts. To be honest I'm just going to ignore them at the moment.

I think you will find that the OFT are paying particular attention to these rogues at the moment and they don't want to breach anymore requirements eg annual statements.

My statements haven't asked me to pay.

Also these disputed accounts will be on Phoenix's books as assets, so they need to account for them somewhere.

Phoenix probably have loads of these disputed accounts, all worthless but they will leave them in there accounts as assets. Until it suits them to claim them against tax.

Although surely that would be wrong because the original creditors have already claimed them against tax???

Basicly they are attempting to make money out of nothing. Isn't that how the credit crunch started???

The whole banking industry is rotten. We would be criminals if we tried to make money from thin air!

Take care

Jon

Link to post
Share on other sites

Hi Rob.. :)

 

Thank you... my rubbish is exactly the same.. don't know whether to respond or just add it to my court folder as evidence when it comes to my set aside hearing... 'look at this M'Lud, this is why I want this matter to go to trial... these idiots won't lie down and accept they've been beaten until the court tells them to Pee off and leave me alone'

 

Spam. :)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

Hi Spam :confused:

 

Hi Rob.. :)

 

Thank you... my rubbish is exactly the same.. don't know whether to respond or just add it to my court folder as evidence when it comes to my set aside hearing :shock: I thought that was sorted :shock: do you mean your application to oppose their discontinuance? :-? ... 'look at this M'Lud, this is why I want this matter to go to trial... these idiots won't lie down and accept they've been beaten until the court tells them to Pee off and leave me alone'

 

Spam. :)

 

Cheers

Rob

Link to post
Share on other sites

Hi Jon, Thank you too.. :)

 

I suspect you are right in what you say, although at the bottom of my 'statement' there is the bit about.. if you do not pay off the full outstanding balance etc...

 

Before my original set aside I'd asked for statements on numerous occasions via SAR etc but they were never forthcoming which always made me suspicious of where they got their figures from... lets hope OFT etc. get them by the short and curlies soon for their unlawful practices..

 

Spam. :)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

Hi :confused: Rob... :p

 

Yes the Set aside of the CCJ was sorted... I am now applying to Set aside the Discontinuance... the court have insisted on a 30min hearing... but who knows when... sometime this century I hope.. :rolleyes:... at this rate it'll be statute barred before I get me costs...:p

 

Spam. :)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

Hi :confused: Rob... :p

 

Yes the Set aside of the CCJ was sorted... I am now applying to Set aside the Discontinuance... the court have insisted on a 30min hearing... but who knows when... sometime this century I hope.. :rolleyes:... at this rate it'll be statute barred before I get me costs...:p

 

Spam. :)

 

Hi Spam

 

Of course! :oops:

 

Brian's not in gear this morning ;)

 

Cheers

Rob

Link to post
Share on other sites

Hi Spam

 

 

I suspect you are right in what you say, although at the bottom of my 'statement' there is the bit about.. if you do not pay off the full outstanding balance etc... I think they are just explaining how they will treat those payments they are expecting you to make .... :D, ie wishful thinking regarding how they will be applied to the various components of the alleged debt ... :lol:

 

 

Cheers

Rob

Link to post
Share on other sites

Hi Rob.. :)

 

Thank you... my rubbish is exactly the same.. don't know whether to respond or just add it to my court folder as evidence when it comes to my set aside hearing... 'look at this M'Lud, this is why I want this matter to go to trial... these idiots won't lie down and accept they've been beaten until the court tells them to Pee off and leave me alone'

 

Spam. :)

 

I would DEF. keep for your court file Spam but also write (so your back's covered ;)) using a similar letter to the one mkb posted on the link robcag left (below)

 

 

You're not alone! Have you seen this thread;

http://www.consumeractiongroup.co.uk/forum/legal-issues/229411-need-letter.html

 

Rob

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

Link to post
Share on other sites

Hi long time no see!!!!

 

Sorry but my pc died a death :mad:

 

Also had a statement from mcs, detailing how they have added all their court costs and interest to the amount we agreed to pay in the tomlin order we signed. :mad:

 

How crafty is that!!!!!

 

I have rung them and am waiting on an explanation as to why they have done this, as it said in our order that "each side should bear their own costs"........

 

AAAaaaaaaaahhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhh!!!!!!

 

Blummin MCS!!:(

 

Anyways, rant over.....hope your well spammy, fighting the good fight en all that.....:D

 

fedup xxxxx

Link to post
Share on other sites

I have 4 accounts with them and received statements the other day. Two have been sorted via consent orders and both have interest added this month. The one they discontinued interesting doesnt have interest added and nothing about paying it.

 

I have to send letters this week about the two consent orders. Do they think we have nothing better to do with our time!!!!

Link to post
Share on other sites

Hi Spam

 

Of course! :oops:

 

Brian's not in gear this morning ;)

 

Cheers

Rob

 

Who is Brian :rolleyes::D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Hey Spammie,

 

Phew just read entire thread! What a rollercoaster of emotions for you. I am hoping to grab a few bits off yours (if that's ok) to start my claim with Marbles (CL Finance/HOward Cohen).

 

I wish you every success hun, subbing with interest

 

x:)x

Pingu

Link to post
Share on other sites

Hey Spammie,

 

Phew just read entire thread! :eek: that must've taken a long time!!What a rollercoaster of emotions for you. I am hoping to grab a few bits off yours (if that's ok) take whatever you like.. it was probably all poached or donated anyway.. ;) to start my claim with Marbles (CL Finance/HOward Cohen).

 

I wish you every success hun, Likewise..:)subbing with interest

 

x:)x

Pingu

 

Welcome aboard Tex... :D

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...