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    • If you are buying a used car – you need to read this survival guide.
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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 
      • 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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Robinson Way CCJ/CO Cap1 card debt - was unable to respond - now want to set aside **LOST** - appealed - **WON** Claim reset - **WON - Case dismissed**


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Excellent news, I am so pleased for you:D

 

I have hotfooted it over to amend your title for you.

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

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4: Staying Calm About Debt  Read Here

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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

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In respect of the costs issues, someone like dad, BRW, vjohn82 may be able to assist you there.

 

You should be well proud of yourself. :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

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In my case this week the HH Judge described my costs schedule as ' modest ' and then proceeded to summarily assess them at 50% of what I claimed .:rolleyes:

 

 

Meant to say also ... Very well done RWRM Congrats !!!

Edited by summerbreeze
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First class result R, delighted for you.I was purely instrumental,you did all the research and groundwork.Well done!!!;)

 

 

Kind Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Hi R just caught up with your Appeal news, thats absolutely brilliant You have been truly amazing & an example to us all to have battled on staying strong & determined in your fight....you are admired so much. I hope to be able to rejoice in such an outcome in my appeal one day so always good to read such positive news on how it is done & how things can be turned around. Really pleased for you big time.... MDAW x

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Wow, I didn't realise I had so much support. Thank you all.

 

The position I'm at now is that I'm set up for a strike out if they don't provide a copy of the original agreement as ordered (following the excellent advice in the sticky by PT2537).

 

The biggest lesson I have learnt from this experience is:

 

1. Understand the the law you are relying upon.

2. Make sure you follow the CPR's (make sure you understand them first).

3. Keep it simple. Judges seem to want to move on fast and don't want to have to deal with issues that have no bearing on the matter or part of the issue in dispute.

4. Don't let the other side hijak the hearing and the time you should be arguing your case. Don't be afraid to ask the judge to stop the other side from stopping you from having your say.

 

There are many, many more, but hope my opinions are of help to someone. No matter how much you prepare as a LiP you are on someone else's ground that you are unfamiliar with so it can be blxxdy scary when so much is at stake. Just accept you will be nervous before the hearing and it wont come as a shock when you get there.

 

The CAG is an absolutely brilliant site, however (and this is NOT knocking the site in the slightest), don't just follow advice blindly. Find the legislation and case law. Read it and understand it and make sure that it is relevant to your case.

 

Once again, thank you everyone. I will continue my fight and help others where I can.

R

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Quick question on costs. I have an order that Claimant to pay my costs in Appeal summarily assesses at £XXXXX. The 14days they have to pay me is not up yet, but, what can I do if they don't pay? Can I start charging interest?

R

 

 

:lol: That might be a question for vjohn82 or banker_rhymes_with.

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

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Just trying to consider all options and be ready in case OP don't pay me on time. Like many I have faced an extremely aggressive debtor. Just in case they don't pay me I want to be ready to be at least as aggressive as them ;)

:lol: That might be a question for vjohn82 or banker_rhymes_with.
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I am pretty certain this question has been asked before so I will look for the post cos there are quite a few options open to you, such as sending in the bailiffs etc.

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

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I would love to do that :lol:. Almost, but not quite, makes me hope they don't pay:D I did try having a search myself but couldn't find anything so any help much appreciated.

R

 

I am pretty certain this question has been asked before so I will look for the post cos there are quite a few options open to you, such as sending in the bailiffs etc.
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Bump the post below. Claimant have not paid costs as ordered. So important that I know what my options are to get my costs when other side have failed to comply with the order for them to pay them.

R

 

Quick question on costs. I have an order that Claimant to pay my costs in Appeal summarily assesses at £XXXXX. The 14days they have to pay me is not up yet, but, what can I do if they don't pay? Can I start charging interest?

R

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Thanx for your post NTTF. My understanding is that as I have already been awarded costs by an order of the court, it is not necessary to prove the debt by making a claim. It is a matter of the other side ignoring the court order to pay my costs.

R

 

I'd consider a LBA, followed by a small claim.

I'm sure the court would advise about how the court views their non payment...

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