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    • Yes typed it, how would I input it any other way, probably timed out took over half hour. H
    • 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.  
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      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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Anatomy of a Default Notice


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That is correct, however they only need to give 14 days from service. If your notice says 28 days, then that should be that. Doubtless if you had rectified the default within the 28 days, they could have been persuaded to remove the default.

Thats fair enough then so its more at there discretion they may reconsider.

Infact the notice doesnt say it can be remedied it says to prevent further action.

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No it's not at their discretion. They must send a DN in the prescribed format. s 88 specifies that format:

 

88.—(1) The default notice must be in the prescribed form

and specify—

(a) the nature of the alleged breach;

52

(b) if the breach is capable of remedy, what action is required to remedy it

and the date before which that action is to be taken;

© if the breach is not capable of remedy, the sum (if any) required to be

paid as compensation for the breach, and the date before which it is to be paid.

(2) A date specified under subsection (1) must not be less than fourteen days after the

date of service of the default notice, and the creditor or owner shall not take action

such as is mentioned in section 87(1) before the date so specified or (if no requirement

is made under subsection ( 1)) before those fourteen days have elapsed.

(3) The default notice must not treat as a breach failure to comply with a provision of

the agreement which becomes Operative only on breach of some other provision, but

i£ the breach of that other provision is not duly remedied or compensation demanded

under subsection (I) is not duly paid, or (where no requirement is made under

subsection ~1)) if the fourteen days mentioned in subsection (2) have elapsed, the

creditor or owner may treat the failure as a breach and section 87(1) shall not apply to

it.

(4) The default notice must contain information in the prescribed terms about the

consequences of failure to comply with it.

(5) A default notice making a requirement under subsection (1) may include a

provision for the taking of action such as is mentioned in section 87(1) at any time

after the restriction imposed by subsection (2) will cease, together with a statement

that the provision will be ineffective if the breach is duly remedied or the

compensation duly paid.

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  • 2 weeks later...

In my recent hearing one of the issues brought up by myself and the DJ was the template DN and no screenshot. I pointed out to the DJ that how could I tell what the arrears were at the time if I never received the DN and that there was a missing prescribed term - ie the OFT information.

 

The DJ said to the Claimant's solicitor "go away and get some case law regarding the template DN".

 

Is there any case law to say Claimants can produce a template and say "this is what it would look like".

 

If they can produce case law to say this then why the bloody hell are dodgy DNs being sent out.

 

I will wait to see what they come up with.

 

HH

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In my recent hearing one of the issues brought up by myself and the DJ was the template DN and no screenshot. I pointed out to the DJ that how could I tell what the arrears were at the time if I never received the DN and that there was a missing prescribed term - ie the OFT information.

 

The DJ said to the Claimant's solicitor "go away and get some case law regarding the template DN".

 

Is there any case law to say Claimants can produce a template and say "this is what it would look like".

 

If they can produce case law to say this then why the bloody hell are dodgy DNs being sent out.

 

I will wait to see what they come up with.

 

HH

Keep an eye out here: http://www.consumeractiongroup.co.uk/forum/legal-issues/259291-egg-pre-05-allocation-2.html#post2934633

 

PT is going to post info on blowing that one out of the water.

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  • 2 weeks later...
Payment defaults show as a number 1,2,3(months in arrears)

I recieved a notice of default under s87 etc giving 28 days(no date, them just being lazy I think?).

They then marked by account as defaulted on the 26th day. I thought the time given was so you could avoid it.

 

 

Regardless of the fact they are only required to give you 14 days, imho if they say 28 days then that's the time you can reasonably expect them to hold off on marking your file. After all, if we weren't on CAG would we even know they had to give 14 days? You can only go by what they say really.

 

If it's not too late I might be tempted to write and argue the toss over it...

Time flies like an arrow...

Fruit flies like a banana.

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  • 2 weeks later...

Good day all...

I'm hoping one or two of our expert friends will pass this way soon as I really do need to clarify a few points before I am prepared for the next attack from Barclays which is imminent. Problem is I'm juggling 7 CCA's in the air for my immediate family and I read so much in this forum I just cannot remember everything. It's the penalty of age I guess, happens to us all and it really does pee me off. I was horrified the other day to see that one member has been keeping the DC's at bay for five years.... he sounded truly fed-up to the back teeth. My god, I doubt I shall be here by then... and that scares me, leaving the others behind to face them, they're not very brave. I think all of us are pretty darned brave, full of courage to be doing what we are doing - are we not the stuff revolutions are made of ? :-)

 

Here we go...

*I have a DN dated on a Saturday... is this classed as the Date of Posting - or, as the post time must be working days only, would the first working day be the next Tuesday... in other words, the Date of Posting would be classed as Monday?

 

*The same DN omits the following para that came into force Oct 2008... it was was dated 2 months months later.

 

'This notice should include a copy of the current OFT information sheet on default. This contains important info about your rights and where to go for support and advice. If it is not included, you should contact us to get one'.

 

I have seen this questions asked before, but, could not find an answer.

Question is, is this relevant to the validity of the DN?

 

Last night I was reading about Credit Agreements and came across a topic about Prescribed Terms and where they should be.... I discovered that since a change in the rules not too long ago ago, they must be set out between the top of the application/agreement form, but under the heading and above the actual signature of the applicant at the bottom..

 

It does occur to me that there is a reason for this change and that reason must be because the previous way of doing it was far too ambiguous - so, does not that open up a line of argument - that the old placement of PT's, which are obviously very important, could be almost hidden so as not to seem importanrt and could be anywhere, was far too difficult for the average individual to come to terms with.... for example, I gather that sometime they are to be found in T & C's leaflets that often arrived with the credit card itself - a week or so perhaps after the application had been submitted.

 

Thanks,

charlie

Edited by charlie*
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'This notice should include a copy of the current OFT information sheet on default. This contains important info about your rights and where to go for support and advice. If it is not included, you should contact us to get one'.

 

 

there is a clue to the answer in the question!! if parliament intended that the information was important then clearly it's ommission cannot be a de minimus issue- especially if the information was NOT enclosed since then you would have been none the wiser to its existence

 

service of a dn is deemed to be 2 working days after posting (tuesday in this case) and the 14 days starts from the wednesday) or 4 working days if not posted RM first class

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DD, does this then mean that the Date of Service, where a DN dated on the Wednesday sent by first class post, would be the Friday, but if it was sent by second class post the Date of Service would be the following Tuesday,

 

OR....

 

...do the working days have to be consecutive.... this being so, again

the above scenario would mean that the Date of Service would be the following Thursday week, would it not?

 

:confused:

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Hi Charlie,

only working days Mon-Fri are classed as postal days so if it's dated Saturday its send Monday. For 1st class count 2 days after day of posting for service for 2nd or TNT etc count 4.

 

So If dated Monday service would be deemed Wednesday for 1st

So If dated Monday service would be deemed Friday for 2nd

 

So if dated Thursday service would be deemed Monday for 1st

So if dated Thursday service would be deemed Wednesday for 2nd

 

Basically you start counting the first working day after the date on the letter. Remember bank holidays are not counted for postal days.

 

You are correct DN dated Wednesday would be served on Friday 2nd would be classed as the Tuesday.

 

I hope this helps

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if a letter is posted via royal mail on a saturday- first class -then the date of service will be the second working day after posting (the date of posting does not have to be a "working day-" - since RM collects post from their boxes on saturdays and sundays. and so the letter would enter the RM postal system on these days.

 

if however it is posted on a saturday by a private carrier then you would need to check the carriers terms as many (UK mail for example) do not collect mail from their clients on a saturday or sunday

 

if the letter was DATED on a saturday and the dates on the dn were crucial to your defence then i would be inclined to call witnesses and evidence from that company to state what the postal proceedures are since most companies send their mail to an internal mailing department each evening and the mail would rarely enter the RM system on the same day of writing the letter.

 

Further- staff working weekends in these large companies would usually put their mail in the internal mail trays for their internal mail room to deal with on the following monday

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thats good- then only if posted on the saturday -otherwise its monday

 

i even had one dickhead creditor date a DN 1st January 2009 and then 9 months later their witness made a statement that the DN would have been posted the same day it was issued by first class post!!

 

just a shame that it never got to court

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My prize framed one is dated Christmas Eve (a wednesday). Even if Royal Mail 1st Class couldn't have arrived till New Yrs Eve 31st. Date for remedy..3rd Jan. Bless them! Best Christmas present ever.

This may well go to court. Do you think there would be any possibility of getting a CFA in place for this type of case, DD?

Edited by Undercover-Elsa
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I was a bit previous above, 'cos I just cannot get

my head around another DN... to be absolutely sure....

 

The letter is dated Monday, 29th December 2008,

the remeday date is given as BEFORE January 12th.

 

On the face of it, Date of Service would appear to be

Wednesday, 31st, the first Clear Day being New Years

Day, 1st January 2009.

 

Is this correct, if not, would some patient cagger

please explain.

 

Getting there slowly, MANY THANKS,

 

charlie

 

PS: My user name should have been "gettingthereslowly" :confused:

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No matter how you look at it, it is defective. If it was posted 1st class they have to allow 2 working days for service so you couldn't have possibly received it before 2nd Jan (New Years day is not a working day), add the 14 days to remedy and it should be 16th, they said remedy before 12th which in effect means by the 11th which means it's 5 days short. If it was posted 2nd class it would be 7 days short.

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I was a bit previous above, 'cos I just cannot get

my head around another DN... to be absolutely sure....

 

The letter is dated Monday, 29th December 2008,

the remeday date is given as BEFORE January 12th.

 

On the face of it, Date of Service would appear to be

Wednesday, 31st, the first Clear Day being New Years

Day, 1st January 2009.

 

Is this correct, if not, would some patient cagger

please explain.

 

Getting there slowly, MANY THANKS,

 

charlie

 

PS: My user name should have been "gettingthereslowly" :confused:

 

 

 

gettingthereslowly!!!....you are 'rightcharlie*':)

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Cerberus....

 

This is the root of my confusion.... you say in your post above....

 

'No matter how you look at it, it is defective. If it was posted 1st class they have to allow 2 working days for service so you couldn't have possibly received it before 2nd Jan (New Years day is not a working day), as the Date of Posting is Monday, 29th Dec why are you not classing Wed 31st as a working day? add the 14 days to remedy and it should be 16th, they said remedy before 12th which in effect means by the 11th which means it's 5 days short. If it was posted 2nd class it would be 7 days short'.

 

Date of Posting, 29th December 2008

30th Dec = +1 - in transit

31st Dec = +2 - Date of Service

1st Jan = 1st Clear Day

 

Thanks muchly,

charlie

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as the Date of Posting is Monday, 29th Dec why are you not classing Wed 31st as a working day?
Because even if it was posted the day it's dated it would not have been collected/posted until the close of day then you add the working days for service from the day after. Even if it was picked up at noon that would only make it half a working day.
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