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    • and it legally informs them of your correct and current address as you must do with all old debts last paid/used in say 7 yrs you dont want backdoor CCJ's. what were the names of these IVA scammers, the one you took it out with, and the one that scammed you to let them take over please? your story is slightly worrying. dx  
    • Incidentally, congratulations on not buying the warranty. That is another Big Motoring World rip-off. See what we have to say about extended warranties and the Big Motoring World attitude to them is particularly unhelpful
    • well that google is from 2019, but the photos are certainly of someone driving on the public highway in/out by an ANP system, though the site of where the camera actually is, is not showing there are anpr cameras up by the low yellow barriers but they wont get from facing shots from there. interesting, needs to be checked if the road IS a public highway but on private land, cause as you say, if the whole area is max 4hrs , how does the hotel work< ?? must have a reg entry system.  now as for taking pictures of cars on a public highway then guessing the are parking ...erm.... i dont thnk thats right nor allowed under GDPR. dx  
    • Under the consumer rights act 2015, if a defect manifests itself within 30 days and you have a right to return the vehicle for a full refund. If any defect manifests itself within the first six months of ownership then you have a right to return the vehicle for a full refund subject to the retailers right to carry out a repair. If the retailer declines to repair or if the repair fails then you have the right to return. The problem here is that you have to assert their right. It's a bit ridiculous – but you have to do let them know preferably in writing that you are asserting your rights under the consumer rights act either the 30 day right or the six month right. I suppose that you haven't done this – which would be quite understandable because most people don't know that these rights exist and that they are subject to these conditions – the condition that the right must be inserted. It is frankly ridiculous. The dealers know it and we have lots of instances of this company delaying appointments et cetera and our strong suspicion is that they are simply trying to run their customers out of time. On the basis that you haven't asserted your rights, we now have to look to ordinary contract law. You are entitled to purchase a vehicle which is of satisfactory condition and which remains that way for a reasonable period of time. Clearly it is in satisfactory. They are blaming you. Has your independent inspection identified the reason for the defect? This will be important because as you have seen BMW are already saying it is down to your driving and you are going to have to produce evidence that it wasn't down to your driving and the you drove it absolutely reasonably and it was simply the condition of the car. Have you been without the car for any period of time. Is it driveable now? If the car was off the road for a substantial amount of time and was still off the road then you would be able to argue that this is a fundamental breach of contract and that you have been deprived of substantially the whole benefit of the contract and therefore you will be entitled to treat the contract as breached by Big Motoring World and insist on cancelling the contract. It may be that you will eventually be obliged to keep the car but have the repairs paid for. Have you had any quotations for the work that needs doing? I asked you questions about the MOT – but you haven't responded.
    • A 'violent left wing mob', comprised of a chap in a red hoody with a damp polystyrene coffee cup and a bit of wet cement, gets nowhere near cowering frightened farage some distance away on top of his double decker bus .. as farages security and support seem to film the incident grinning     Farage bravely flinches, grimaces and seems to almost burst into tears as the 'objects managed to travel a part of the way toward his position on top of his bus. His reactions honed by having a bit of milk splash him at a prior incident allow him to swiftly fall into a protective cower and grimace .. .. Sometime after, once the mob of 1 had been safely bundled away, farage apparently wipes his eyes of tears, and rising from his cowed and frightened pose, bravely shouts “I will not be bullied or cowed by a violent left-wing mob who hate our country.” .. however few they may comprise of.   https://www.independent.co.uk/news/uk/crime/nigel-farage-cement-barnsley-reform-uk-b2560501.html  
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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.  

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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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Morning all,...Thought it was the 8% you added when filing with court,..Will have a look for the thread which explains how to work that daily interest,.Not as complicated as it sounds,..Me myself are justing going to go with the 8%,..Plus the 22p per day thing will change depending on your total amount of claim,...off to find it now,..Mx

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Well here is the best explanation which I believe to be correct;

 

The claimant seeks XXchargesXX plus interest at 8% to date of claim= XXtotalXXX plus interest daily at £1.04 pence per day until date of judgment or earlier settlement.

 

 

(The £1.04 - or whatever is calculated on the charges total only.)

You work out an annual figure of 8% on what you are claiming then divide it by 365 to give you a daily rate

 

I don't know what all this .22% is.

The way I have described it is that way I have always done it - never any complaints..

 

However, I suggest that people claim the contractual rate of interest or s.69 in the alternative

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Well Folk's its the LBA letter tomorrow,....Recieved a letter off Marc Winder with a how to complain leaflet,..wants another 4 weeks but does not know the outcome!

 

Any suggestions on LBA Letter,..Anyone got a killer I can use,..Thanks all Mx.

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Nearly ready to send LBA,..but have one concern,..Will be sending this letter to marc winder but the address on the letter I recieved from him is a PO box(milton keynes)..I'm sure I have read not to send corrospondance to PO boxes!..Am I right in thinking this,..Or will it not matter in the final outcome?...all thoughts on this is welcome thanks Mx.

 

Sent my premlim letter to my local branch,..Is it best to do this or deal straight with mark?

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You can write to PO boxes when corresponding with banks/cc companies.

 

Its when filing court claims that i dont think you can use PO boxes.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Thanks Glenn,..Will mail it straight to Mr Winder then,..Just thought I would make sure,..Best Wishes Mx.

 

one last thing,..on the LBA letter were the banks address goes,..do I put Winders PO address or the local branch I use ,..But address it to Winder?(Will get there in the end)thanks

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i sent my LBA to Milton keynes michelle but you correct the result would have been the same youll get standard bog off letter then its court aarrgghh!!im at that bit now but funds are stopping m at present will try and get paper work sorted this week to get ball rolling so to speak on pay day of course mind you worth all this aggrevation in the end isnt it eh!!let me know how you get on xxKia

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You can do what you like in terms of where you send it, i would use the same address as i used for the prelim, the only thing thats really important is when you file your claim you have to use the right address.

 

Typically registered office or the local branch.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Glenn sorry to be a pest with all the questions,..Done my LBA ,..I know where to send it now(thanks),..As part of my claim is estimated ,Could you guide me to the section were it states we can amend claim should we recieve the missing statements ,..Thanks Glenn Mx.

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all i did michelle was write in what you just wrote just slip it into the bit about ive enclosed a copy of spreadsheet it doesnt have to be perfect i dont think but don qoute me on it but i didmine like this hope it helps xxKia

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Its simple write a line in that says 'i will amend the claim when all of the neceesary information is supplied by the defendant.'

 

 

Job done.

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Hi Kia,..think I will just add my own words then,..seen a good write up on this but have looked and looked & can not find it again,.So any news with your claim whats the latest?Hope all is well Best Wishes Mx.

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the latest michelle is ive gotta sort through spreadsheet aarrgghh!!to sort out adding on the interest that i took off the spreadsheet intially but i can do it me lazy brother does it so ill have to nag i think still a little unsure bout that dont know whether its just the 8% and no more or what any ideas cause i think the N1 form is fairly straight forward its just that dratted spreadsheet im gonna have nightmares about them when im finished with this knew i shoulda done a computer course lolxxKia

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Well I am just behind you Kia so I have the same stresses to come,..think you just put the 8% think its easiest to do this,..then its done,..That's all I am going to do,..read you need to know your balance on each occassions to work out the overdraft interest,..Or some thing like that,..just as lost as yourself,..just think I have it sussed out then its gone,..Well sure we will get there,..keep a update as I would like to see how you get on,..Talk Soon Mxx.

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like to see how i mess it up more like lol cause i will you know cause its what i do thanks fo advice about 8% think ill go with that sounds much easier me thinks will try and do form today all i need to do i think is fill it in and copy it twice then get spreadsheet finished then just waiting on dosh coming in will keep you updated michelle xxKia

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Kia ,..Sure we will all get it right in the end ,Just stick with the 8% seems alot easier,..Well got my LBA off & just read a thread about changing solicitors,..Very dirty trick,Well I put my thoughts in the thread about that,..All we can do now is sit and wait for the DOSH as you put it,...mmmmmmmmm sound fine to me,..Good luck talk soon Mx.

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  • 2 weeks later...

Well gang back again,...going to be filing my claim within the next few days,...time is up for abbey,..funny enough recieved a monthly statement today and it had 5 refunded charges equalling £175 5x£35,..Never even ask about these charges,..can not understand why their would refund 5 charges,..Well its all good as their have now given me the funds to start my claim,..(excellent)

Will be doing the claim on line any tips or advice would be more than welcome best wishes all M.

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