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    • 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 main Equity Partner, Cabot Square Capital invests 
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    • 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
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Hi guys, really looking for some advice!! My partner recieved a letter from Lowell stating that they are giving him the chance to 'bid back his account' which was with HSBC for x amount, the letter said if we can't bid and pay a lump sum then we can pay £40 a month.

 

Anyway he knows he got in a little trouble with HSBC about 9 years ago and was adament that he has heard nothing about this debt in the last 6 years...We have just moved into a new address so i'm wondering if thats how they have found him? Anyway, i replyed to them with letter template M i think it was stating that the debt is statue barred etc.

 

We have today received another letter saying they are in receipt of correspondence and will be in touch where approriate as soon as possible and in the mean time the account has been put on hold and we will not hear from their collections team. The letter ends telling us there is no need to write to them again nor have a representative do so for us.

 

Has anyone been in a similar situation with some advice for me? We've just had a baby so not paying for something we don't have to would be ideal right now!!!

 

Please help!!

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Hi,

Will the Leeds Losers ever learn. :rolleyes:

It is down to them to prove the debt isn't statute barred. Simple as that.

 

They may try the "An attempted payment was made on such and such a date" but again they will have to prove it.

 

If you are thinking of phoning them-don't. They will try to twist you in knots and get you to say things you may regret. Do everything in writing and make sure you send all letters recorded delivery.

 

I would be asking people who have moved into your previous address to forward any post on to you as these DCA's have been known to file court papers at previous addresses to get a judgement by default.

 

There is loads of help on the forum to help see these leeches off :D

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Thanks for the advice...I shall just wait to see what they come up with...Do you know if there is a certain time period in which they should contact us again?

 

I can't believe some of the stuff I have read on here about Lowell!! I'm just so thankful i looked on here before getting my partner to phone and make payment arrangements!

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getting a bit regular this,on hold and will get back if needed note to ms swallow.no need to get back at all if you are told you are getting nowt is there:rolleyes:

 

what they mean is we will yet again try the attempted payment,and hope that we do not pick a date that can be disproved.

 

welcome to cag newbie09.

 

SAM

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Before the Leeds Losers actually throw in the towel you will receive two once in a lifetime discount offers of 60% off for a quick settlement. This is a sure sign they are stuffed

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Like I always say, especially where the leeds losers are concerned, you must report them, each and every complaint the OFT receive goes into a file, and when their licence comes up for renewal the OFT ask them to account for the number of complaints they have received, also if the OFT receive more than 20 complaints within the same month, they will investigate the complaints straight away, so your complaint may just be the one that tips the balance:D

 

The Office of Fair Trading: Contact us

 

Consumer Direct who in turn will pass the complaint directly to your local TS.

 

Complaints - Privacy & electronic communication - ICO

 

How to Complain

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Like I always say, especially where the leeds losers are concerned, you must report them, each and every complaint the OFT receive goes into a file, and when their licence comes up for renewal the OFT ask them to account for the number of complaints they have received, also if the OFT receive more than 20 complaints within the same month, they will investigate the complaints straight away, so your complaint may just be the one that tips the balance:D

 

they do not investigate,they write to inform them,alert them to the fact that there has been above 20 within the previous month.this is recorded on file for renewal time.

at least 3 of these in a year and no NEW LICENCE.which never happens,because they back off with their antics for a while:rolleyes:

 

 

TS choose which to report if local TS and west yorkshire TS agree to the breach reported by consumer direct.

 

we can but try:)

 

The Office of Fair Trading: Contact us

 

Consumer Direct who in turn will pass the complaint directly to your local TS.

 

Complaints - Privacy & electronic communication - ICO

 

How to Complain

 

SAM

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they do not investigate,they write to inform them,alert them to the fact that there has been above 20 within the previous month.this is recorded on file for renewal time.

at least 3 of these in a year and no NEW LICENCE.which never happens,because they back off with their antics for a while:rolleyes:

 

 

TS choose which to report if local TS and west yorkshire TS agree to the breach reported by consumer direct.

 

we can but try:-)

 

Well I bloody never!:eek:

 

Seems the DCA's tactics are rubbing off on the OFT aswell!

As you say, we can but try, but I always like to complain, it makes me feel much better when I know that my letter will hopefully depress them and make them feel worthless too......don't ruin my thought SAM!:p

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I have not posted on this thread before but would really welcome some advice in respect of Lowell.

me and my OH have received a letter today from the company offering me and my OH the chance to bid on our debt.

Our accounts are currently with Payplan and a small amount are being paid off each month. Would it be worth us bidding on this

How much would you offer?

Has anyone received a letter like this before?

 

Any advice would be welcomed. :???:

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Hi Beanie Babe - I really wouldn't bother - if you are on a debt plan you are a lot better of sticking to that than getting caught up in what would only be a fake bidding war to get you to pay more than they did for it hence making them a profit

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I have not posted on this thread before but would really welcome some advice in respect of Lowell.

me and my OH have received a letter today from the company offering me and my OH the chance to bid on our debt.

Our accounts are currently with Payplan and a small amount are being paid off each month. Would it be worth us bidding on this

How much would you offer?

Has anyone received a letter like this before?

 

Any advice would be welcomed. :???:

 

Do not be fooled. This is a CON TRICK by the Leeds Losers to get rid of an old account. Report them to the OFT

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Do not be fooled. This is a CON TRICK by the Leeds Losers to get rid of an old account. Report them to the OFT

Thanks for your advice. I would be more than happy to report then to the OFT but what reason do I state in my letter? How could this benifit me and others? Is there a template letter I could use as I am not very good at putting letters together. X:???:

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Hi Beanie Babe - I really wouldn't bother - if you are on a debt plan you are a lot better of sticking to that than getting caught up in what would only be a fake bidding war to get you to pay more than they did for it hence making them a profit

 

THANKS FOR YOUR ADVICE. I HAD A FEELING THIS COULD BE A CON SOMEHOW!:shock:

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could give you 100 reasons for reporting them but not one would get passed cagbot:D

 

its a con,ignore them.

 

your bid has to meet their reserve,which will be far more than the pittance they payed for it.

 

less than they say you owe.

but a lump sum for them,instead of a small monthly repayment.

 

SAM

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could give you 100 reasons for reporting them but not one would get passed cagbot:D

 

its a con,ignore them.

 

your bid has to meet their reserve,which will be far more than the pittance they payed for it.

 

less than they say you owe.

but a lump sum for them,instead of a small monthly repayment.

 

SAM

 

Thanks Sam.x:)

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Hi guys, really looking for some advice!! My partner recieved a letter from Lowell stating that they are giving him the chance to 'bid back his account' which was with HSBC for x amount, the letter said if we can't bid and pay a lump sum then we can pay £40 a month.

 

Anyway he knows he got in a little trouble with HSBC about 9 years ago and was adament that he has heard nothing about this debt in the last 6 years...We have just moved into a new address so i'm wondering if thats how they have found him? Anyway, i replyed to them with letter template M i think it was stating that the debt is statue barred etc.

 

We have today received another letter saying they are in receipt of correspondence and will be in touch where approriate as soon as possible and in the mean time the account has been put on hold and we will not hear from their collections team. The letter ends telling us there is no need to write to them again nor have a representative do so for us.

 

Has anyone been in a similar situation with some advice for me? We've just had a baby so not paying for something we don't have to would be ideal right now!!!

 

Please help!!

 

 

 

Hi

 

Further to the above we have since received another letter - main paragraph below...

 

We would advise you that the limitation act 1980 section 5 is not applicable in your case and would refer you to section 29 (7) of the limitation act 1980 which states "A current period of limitation may not be repeatedly extended under this section by further acknowledgement or payment." Your last attempted payment date on this account was dated 30th November 2004 for a payment of £30.00.

A copy of the agreement and statements has been requested from HSBC Bank Plc and these will be sent to you upon receipt. We trust this clarifies the situation and look forward to receiving your payment proposals.

 

What exactly do they mean by an attempted payment? Surely there either was or wasn't a payment made?

 

Can anyone advise what we should do now? Do we just wait for them to provide these alledged statements or should I reply to them saying we look forward to receiving them...? My partner is sure he never made a payment...

 

Thanks guys

 

Newbie09

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Could that mean they tried to take a direct debit which was refused? Think they're clutching...

 

You must ask for - no, DEMAND - proof and details of this so-called attempted payment. Make it clear that if you uncover any evidence of their misleading you, you will approach the police to report an attempted fraud.

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Lowell speak-"attempted payment"= we're screwed :D

 

How on earth could they prove an attempted payment was errm, attempted

 

Put them on the spot. Ask them to state when, where and who made this attempted payment. They won't be able to as they have plucked this date from thin air AND they can only prove a payment that HAS been made.

 

Report the losers.

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Send a copy of the letter with your formal complaint to the OFT.

Make a complaint to Lowlifes aswell.

 

They have begun using this con to fool people into thinking that the debt isn't SB, when in actual fact it is.

 

An 'attempted' payment, which they can't prove, and I sincerely doubt you ever made, does not nor can it re-start the SB clock.

 

The evidence is in the letter, "Acknowledgement or Payment"

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Just the usual hillocks from the Leeds Losers. An attempted payment even if made by you does NOT count. Make them prove who made this attempt and where and when it was attwempted. Treat this latest piece of bog roll with the contempt it deserves

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Send a copy of the letter with your formal complaint to the OFT.

Make a complaint to Lowlifes aswell.

 

They have begun using this con to fool people into thinking that the debt isn't SB, when in actual fact it is.

 

An 'attempted' payment, which they can't prove, and I sincerely doubt you ever made, does not nor can it re-start the SB clock.

 

The evidence is in the letter, "Acknowledgement or Payment"

 

This is so true...I never looked at it like that...If he 'attempted' a payment then no payment was actually made in which case the section of the limitation act they are referring to does not apply in our case?

 

Any ideas on the sort of thing i should write back to them? Any templates i can use?

 

Thank you so much for your help!!

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