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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
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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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My lloyds tsb credit card debt


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have you a thread to your past actions/debt history?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi if you have not made a payment it does not matter how many calls you have answered, letters you have sent. To them you have not made contact in any way, they are just computer generated letters issued by the computer as no payment is registered on the computer.

 

dpick

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http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/235459-apex-threatogram.html

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/226470-i-got-final-notice.html

 

You could always ask them for a copy of their complaints procedure, as the OFT and TS have told you to use it aswell as them looking into it.:D

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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It's a L-TSB account...

 

I guessed that they were computer generated... the computer appears to be the thing with the highest IQ in most DCA offices! x

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Nope if you tell a computer 1 + 1 = 1 the computer would believe you a DCA would say it is 11.

 

dpick

 

Would that be before or after they add the interest and the fees?!? ;):p

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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I have also received a "threatogram" letter from Apex. The first DCA on this particular debt was 1st Credit to whom I was making regular payments. I then decided to try and reduce these and wrote to 1st Credit with a proposed sum. They never replied but then passed the debt onto Allied International By then I had read these forums and decided to CCA them. Allied never replied but passed the debt back to LTSB. They then sent a demanding letter and I replied with the "account in dispute" letter. Now I have Apex on the case.....

 

I sent Apex a copy of all the correspondence and now have the threat of taking me to Court, even though the debt is in dispute. I am waiting for their next action.

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Hi guys

 

Little bit confused... hoping for some guidance.

 

I have been dealing with my mum's debts as well as my own. She has two with L-TSB, one of which is in dispute...

 

Today we received a letter from Westcot. Not worried about it because I know I can bury them in paperwork, I just have a problem with which paperwork!

 

The one account that I have done nothing with last had a communication on 13th October from MHA... I am assuming that the Wescot letter applies to this debt, but the amount is slightly different (by about £20) and the client references aren't anywhere close...

 

Which missive should I send them? I am thinking the CCA request (this debt was for a cc)...

 

Any help would be appreciated.

 

Thanks

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Hi MNK,

 

yes, the CCA letter seems appropriate in this case, but also send them the telephone harassment letter making it clear you want ALL comms in writing

 

DONT EVER speak to them by telephone, you sound pretty together but they have a habit of dragging down even the most stalwart of people

 

Hope this helps, and the best of luck - keep us updated with progress

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Thanks guys... and yes, I am pretty together - hide of a rhino but teflon coated too! x

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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  • 4 weeks later...

As some of you will know, I asked AIC to provide me with a CCA reference a Lloyds TSB debt, which they said they couldn't as L-TSB don't keep them, but that I still have to pay. I sent an in dispute letter and heard no more until yesterday, when L-TSB sent me a letter, with an income and expenditure form, telling me that AIC had said that they should commence legal action against me...

 

Now I know that they would have to provide a valid CCA in court, and I also know that only a court can ask for an I&E form... so I am not really that bothered... they are more of an annoyance...

 

I want to know which letter I should send them... any help pointing me in the right direction will be appreciated...

 

Thanks

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Refer Royds TSB to the CCA request sent to AIC. Royds will deny ever receiving one. However, not your problem if you have a record that AIC received your request. Do not send Royds or anyone else a copy of your request - you paid AIC to forward that request on,, and if they took payment, they're duty bound to honour it.

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They sent back the postal order and told us to contact the originator ourselves - I haven't had much PC access for the last fortnight - just the odd diving on moment at my new job... but after changing ISP's I am now online at home... just in time to receive one of their "we are going to visit/take you to court/break your legs" (delete as applicable). I was going to send them an "in dispute" letter because they couldn't provide the CCA and wanted us to do their work for them... do I need to send anything else?

 

Thanks. AIC sent me the money back via a cheque for £1 which I didn't cash... but I do have the proof of postage/delivery and the copy letters which said that Lloyds don't have to keep the CCA! I will draft the letter telling them that the account is in dispute because their agent could not provide me with a CCA.

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Account in dispute since AIC failed to fully honour the request you sent to them. That's all that Royds need to know. Law of probability dictates that it will either be Robinson Way or Credit Security who get passed this next. If they do, advise them the same - then report all parties involved to the OFT, with separate complaints for each.

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Thanks guys... I love it here... you know just what I need to do x

 

I have just drafted this letter in response to the L-TSB threatogram and would appreciate your comments (I have lifted bits from the "in dispute" template):

 

Dear Sir/Madam

 

Thank you for your letter of 23/12/09, the contents of which have been noted.

 

This account entered default on 04/11/09 when your agent failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account.

 

On 17/10/09 I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. This was signed for as delivered on the 20/10/09.

 

As you are no doubt aware section 78(6) states:

 

If the creditor fails to comply with Subsection (1)

 

(a) He is not entitled, while the default continues, to enforce the agreement.

 

Therefore this account has become unenforceable at law.

 

You will also be aware of the CPUTR 2008 and the OFT's guidelines on debt collection which state under the title Deceptive and/or unfair methods - Examples of unfair practices are as follows - 2.8

 

(i) - 'Failing to investigate and/or provide details as appropriate, when a debt is queried or disputed, possibly resulting in debtors being wrongly pursued'

 

(k) - 'Not ceasing collection activity whilst investigating a reasonable queried or disputed debt'

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

 

Furthermore you should be aware that a creditor is not permitted to take ANY

Action against an account whilst it remains in dispute.

 

The lack of a credit agreement is a very clear dispute and as such the following applies.

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

I reserve the right to report your actions to any such regulatory authorities as I see fit.

 

Yours faithfully

 

L-TSB have passed it on to another DCA... who are doing the "we are big and scary, hear us roar" c**p again...

 

As AIC admitted in writing that L-TSB don't have the CCA as they aren't required to keep them, I shall just sit back and wait for it to appear... or I may send them a variation of the old "foxtrot oscar" letter above... depends how bored I am!

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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  • 1 month later...

Which DCA is it? Report this new DCA and Royds to the OFT as a new complaint.

 

Maybe one of these days, Royds will learn, but I doubt it. I notice their share value dropped below the pitiful 50p mark again on Friday - expect them to get another huge handout any time soon.

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The new DCA is Credit (Cretin ;) ) Security Limited from Whitchurch, Bucks...

 

You gotta love their front:

 

Dear MNK

 

We have been instructed by our client to recover the overdue debt.

 

We DEMAND that the sum stated be sent direct to this office IMMEDIATELY using the payment slip below.

 

Your failure to reply could result in a DEBT COLLECTOR calling upon you for payment or a COUNTY COURT JUDGMENT being registered against you.

 

Yours sincerely

 

(illegible signature... or it could be a squashed spider smeared over the page... )

 

I'm so scared... aren't you? :rolleyes::D;):p

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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lol nice to see i'm not the only 1 having trouble getting a CCA request from Lloyds. You can check out my ongoing thread here:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/239360-lloyds-tsb-unsure-where.html

if it's any interest to you.

 

Looks like i'm going to be making a complaint to the OFT aswell...

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Hi Lee

 

I have it in writing from AIC that L-TSB do not have the CCA because they aren't legally bound to keep them after six years... and I have beaten them over the head repeatedly with my response - you say I owe, give me the proof. I am not asking for their first born and the contents of their vacation fund... I just want my CCA...

 

Good luck!

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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If they aren't legally bound to keep them after 6 years then how can they be legally bound to try and reclaim the money back! No contract, no money in my eyes!

 

The thing is, mine hasn't even been 6 years! It's only been 4, and I still cant get a CCA from them! But good luck anyways! I'll be keeping a check on how things pan out for you...

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