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    • Good evening, My husband and I are looking for some help regarding a faulty car which we have recently purchased from Big Motoring World Enfield. The details are as follows: - Make - Nissan Qashqai 2017 1.2L milage 55,349 miles.  Date purchased -   01/06/2024 Price paid - Deposit £9000, finance £4794 (this includes the 3yr Nissan extended warranty), buyers fee £249.      Total including all fees etc = £ 13794.        Initially, during the test drive, there was no problem with the car at all and this is why my husband bought the car on the day. No problems on the way home from the dealership and up to three days after purchase, the car drove smoothly. However, after day 4, occasionally we would feel a slight shudder during some gear changes (automatic car). Over the next few days these shudders worsened and then on day 5 the car would make very a very loud shudder with every single gear change. It was at this point we contacted Big Motoring World for advice as we are still under the 14 days no questions asked return.  My husband contacted BMW for advice on 06/06/2024 and stated the problems as above. He spoke to a sales person who informed him that he should only take the car to a Nissan dealership (we have now been told that this is false information). We were also promised that a courtesy car would be provided for us after the fault on the car had been identified and confirmed by their mechanic fixing the car. We took the car to the garage that Big Motoring World had told us to go. Upon arrival there we discovered it was a third-party garage, not Nissan. We took the car to the garage on day 9. The mechanic ran a diagnostic test which found no faults, but after the test drove the car and below are his findings...   we scan the car but no faults with the gearbox showing but when I test drove the car it was really juddering and jumping.I spoke to my auto transmission specialist and he said they are very common on these as the CVT belt starts jumping within the box due to pressure loss.  We had this vehicle in for diagnostics for gearbox mate but both the gearbox and battery are faulty.Gearbox supplied and fitted comes to £3500 plus vat   Where we are at now…. My husband spent all of day 10 (11/06/2024) making phone calls between the garage, Warranties2000 and Big Motoring World. He tried, unsuccessfully to find out if the diagnostic reports had been shared between all three. Everyone kept saying the report hadn’t been received and yet the garage assured us it had been sent. Eventually we were told that the courtesy car would be given to us if it was deemed the works to fix the car would take longer than 8 working hours, and that decision would be made after 48hours of receiving the report. Today is day 11 and no decision has been made as nobody is telling us any decisions as people are off sick or on holiday! Today we called the garage and told the mechanic NOT to start any work as we will be returning the car. He said none have been started and we have left the car in his storage as he has deemed the car undrivable. I have sent an email to BMW now formally stating that we want to return the car and I have used the terminology that was suggested.   What can we do next?   Thank you everyone. .  
    • Yes will do thanks Dave, I wonder what will happen at the preliminary hearing no idea what they will ask I assumed once I sent the proof they asked for about my sons condition that I would have just  been given the go ahead to be Litigation friend
    • First the judge will rule on you representing your son, which will be a doddle. After that the full hearing date will be fixed, with WSs exchanged 14 days before. So for the moment just concentrate on getting the right to represent your son.  
    • Thank you, the mediations in a couple of days so hopefully they show up this time. I'll update this thread after how it goes
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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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    • 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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Me against them v's Post Office Credit Card


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Can anyone help me with the enforceability of the Post Office Credit Card CCA from 2006? I applied online, then must have been sent the CCA below to sign which is an appendix attached to a 14 page Credit Card Application.

 

There isn't a Credit Limit outlined and many of the prescribed terms are outlined within clauses in the application not the CCA itself. Is this allowed/enforceable?

 

Image000.jpg

 

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It has a reference to a credit limit, a repayment schedule and an interest rate and these are in the same section as the signature box - all in Appendix A. It doesn't need to specify an amount for the credit limit - it is sufficient to say we will set it and tell you what it is. In my view this would be enforceable.

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I thought that may be the case, but was obviously hoping it wasn't...thanks.

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  • 3 weeks later...

Just recieved this letter associated with my Post Office Account;

 

RedCastle.jpg

 

Any thoughts on this considering it was fairly recently when the provided the above CCA #1.

 

Also was is meant when Red Castle say "they will "apply an immediate discount to the debt"

 

Is this a reduced balance of £10 if I paid them £10, or are they saying they will offer me a discount on the full balance?

 

or is all a ploy to get me to comply with them?

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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Why would they do this if the CCA is enforceable? or is their something wrong with it?

 

I have no intention of calling them or providing them with my telephone number.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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cash flow, they want your money asap, remember they pay peanuts for the debt, so anything you pay over say 20 %(tops) is a winner for them.

 

Notts

As a great man once said " All Men Can Fly But Some Only in One Direction"

 

Notts

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Thats if the Post Office have sold the debt to Red Castle, rather than using them as an agent to collect the debt on their behalf.

 

I hope they have sold it, that'll put me in a stronger position.

 

Any idea's on how I should deal with this? I need to be certain the CCA is enforceable before I think of offering them reduced repayments or a Full & Final Settlement offer.

 

any advice would be appreciated.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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I have a feeling this CCA is has been constructed to look like I've signed something that is enforceable. Their signature is blatantly a copy and paste. The fact that the CCA is scanned in to a document as an appendix is also concerns me. They could just make any T&Cs up then add the appendix to it!

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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Can anyone offer any advice on the points I raised in posts 8 & 9.

 

Thanks

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Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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most have agreements with copy sigs from the creditor and it's not unusual

 

if this is front and back or reference numbers at the bottom as the same then i agree with Pinky (pinky has already pointed out what makes it enforceable)

 

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The references on both sheets of CCA in Appendix A are the same.

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  • 2 weeks later...

Red Castle now told me the client will accept 80% of the balane as full settlement.

 

They have also said they may raise and issue a Statutory Demand to be served to me. Whick May be followed by Bankruptcy proceeding against me.

 

Any advise would be great....thanks

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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  • 3 weeks later...

Just received this letter...

 

DSC03997-1.jpg

 

I need to slow them down while I receive my SAR details. Any thoughts? :|

 

Also I am becoming more concerned about the threat of bankruptcy!:-o

Edited by Me against them!

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Abbey - Successfully Claimed back PPI £960

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send them a CPR request, they have said they are taking you to court (and nobody would deny that's what theat letter looks like), so you have the right to disclosure. Thats what i have done when faced with letters like that. In my experience it slow them down a bit, may even back down completly and accept a token offer, mine have, but then i do not own anything of value.

Edited by count orlok
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Thanks dcakiller...missed that!

 

I'll have to read up on CPR as I'm unfamiliar with the process.

 

Thanks

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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  • 2 weeks later...

Update: Just received pretty much the same letter from RLS as I did recently from Reds.

 

RLSCourtThreat.jpg

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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