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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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    • 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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:whoo::whoo:I received another letter from BPF this morning: " We write to advise that we have now instructed a specialised debt recovery agency who will be contacting you shortly in respect of the above account. We have added an administration charge of £22.50 to your outstanding balance to recover our costs for this letter"

 

No mention of that specialised agents name..they already paased my case from mercers to sanclare.Lets wait n see who are these new b@t*8*s!!!

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Hopefully whatever Ingrid has to say will be helpful i am all set to pay the fee for my Debt Relief Order. Got my Credit Report and all my statements together. I would rarther not go through with it as it will wreck my credit for quite some time however. I need this weight lifted i have got 2 2000 word essays due in November and i can't think straight.

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:whoo::whoo:I received another letter from BPF this morning: " We write to advise that we have now instructed a specialised debt recovery agency who will be contacting you shortly in respect of the above account. We have added an administration charge of £22.50 to your outstanding balance to recover our costs for this letter"

 

No mention of that specialised agents name..they already paased my case from mercers to sanclare.Lets wait n see who are these new b@t*8*s!!!

 

I have received exactly the same letter raj4u.

I have also had my decision from the FOS. Do i need to tell everyone the result?(They found in favour of BPF of course).

Looking forward to the news from Hausfeld - they are our only hope now.

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Hi all, is there anyone 'in the loop' that can give a quick update of any progressions? It's 3 months since Hogan Lovell's reply and just starting to get a bit concerned. I know these things take time, but it'd just be good to know how things are going if anyone knows. Thanks

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not been on for a while my dads not to happy that hes lost his mony be cause he signed the loan agreement for me. anyway, fuzzbutt did you ever get a reply from ingrid about the enrollment form not being signed by the salesperson? this seems to be my dads only hope.:-x

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Here's a laugh. Barclays Partner Finance have ignored all of my letters to them, not even ackowledging receipt. I get 2 letters from them over the weekend, 1 going on about arrears, and wait for it! The second threatening me with Mercers. Only the company that has been calling me 4 times a day for the last 2 months! Thanks Barclays Partner Finance! This will only strengthen our case against you!

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I have now recieved a letter from allied international debt collectors demanding full payment, has anyone else recieved this little yellow card yet.

I really dont know what to do now there is no way that even if I could, I would not pay these mugs near £5000.

Is there any updates with the case because I would realy like to know what is happening.

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I have now recieved a letter from allied international debt collectors demanding full payment, has anyone else recieved this little yellow card yet.

I really dont know what to do now there is no way that even if I could, I would not pay these mugs near £5000.

Is there any updates with the case because I would realy like to know what is happening.

This is what you must do.

Go to the legal website - download the template for 'Deed of assignment'.

Amend this to your situation, and send to them, with also a demand for the copy of the contract that BPF have with you.

If BPF have not sold the dept to allied, Allied will not be able to provide you with the contract or deed of assignment, which means they can not ask you for money - It would be like me or anyone else for that matter, asking you for money on someone else's behalf,

Would you pay it to me - no!

Its about time BPF's legal team started filling them in with all the legal blurb...its really just calamitous all this.

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:whoo::whoo:I received another letter from BPF this morning: " We write to advise that we have now instructed a specialised debt recovery agency who will be contacting you shortly in respect of the above account. We have added an administration charge of £22.50 to your outstanding balance to recover our costs for this letter"

 

No mention of that specialised agents name..they already paased my case from mercers to sanclare.Lets wait n see who are these new b@t*8*s!!!

 

I have received the same letter followed by a yellow card received this morning saying "WARNING Our client has informed us that under their terms and conditions, as Formal Demand has been made, payment of the full outstanding balance must be made immediately. And then a name Mrs A Lyness 0141 228 3181 This is from Allied International Credit (UK) Limited, Anderston House 389 Argyle Street, Glasgow G2 8LR.

 

I am also worried about the guarantor situation. My partner took out the loan on my behalf and we were not told that this was a guarantor loan and that there might be any difficulties with S75. I have told the FOS that I wished to proceed against Advent instead, and they have told me that there is not much chance of getting any money out of them as they've gone down the pan.

 

I am extremely anxious about the whole thing.

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I too received the same yellow letter..how stupid are they? asking to attach full payment amount with this yellow card and send it back to them:mad2:..i guess most of these letter are addressed by Mrs A lyness. do you think its a better idea to call them and tell that they are not going to get any thing and to mention legal action? if all of us call to this same person, atleast she knows that they wont get any thing back..i was wondering why BPF keep on moving our information between to many debt collectors. Is it legal? themselves knew that they wont get anything, why all this harassment?

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I too received the same yellow letter..how stupid are they? asking to attach full payment amount with this yellow card and send it back to them:mad2:..i guess most of these letter are addressed by Mrs A lyness. do you think its a better idea to call them and tell that they are not going to get any thing and to mention legal action? if all of us call to this same person, atleast she knows that they wont get any thing back..i was wondering why BPF keep on moving our information between to many debt collectors. Is it legal? themselves knew that they wont get anything, why all this harassment?

 

 

Read my post above #5101.Pointless calling them, you will just get idiotic & moranic verbal abuse and threats.Send the template and make it all legal.

BPF just hock the account around hoping to get the money in.They will not have told the DCA about the situation, only that you owe them money.

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This is what you must do.

Go to the legal website - download the template for 'Deed of assignment'.

Amend this to your situation, and send to them, with also a demand for the copy of the contract that BPF have with you.

If BPF have not sold the dept to allied, Allied will not be able to provide you with the contract or deed of assignment, which means they can not ask you for money - It would be like me or anyone else for that matter, asking you for money on someone else's behalf,

Would you pay it to me - no!

Its about time BPF's legal team started filling them in with all the legal blurb...its really just calamitous all this.

 

Thanks for the advice, I sent my letter today recorded delivery.

 

I also had a phone call from the same company today, I would warn people they do seem quite sneeky, I refused to confirm my details and told them I wouldnt deal with them until I had all the documents I had requested. The man then spent 10mins trying to get the info from me by asking various questions, saying the would visit my home , ect. Same old bull so be aware. For referance the number they called me on was 07814 390283

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I'm getting calls from Moorcroft Debt Collectors. I told them I need to see a copy of the 'Deed of Assignment'. They said they didn't need one. I then told them I will only communicate in writing. (I won't take any more phone calls). Does anyone know the legal position? Do they need to provide a copy of the 'Deed of Assignment' or not?

Any help appreciated.

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Hey all. No letter from allied yet but I have had a phone call. A Mr Meagan no: 01412283181. They also gave me a ref number. Should I ring them or not. Just waiting for a letter so I know where to send Deed Of Assignment request. Hows that update coming Fuzzbutt. Still appreciate what ur doin for us

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I'm getting calls from Moorcroft Debt Collectors. I told them I need to see a copy of the 'Deed of Assignment'. They said they didn't need one. I then told them I will only communicate in writing. (I won't take any more phone calls). Does anyone know the legal position? Do they need to provide a copy of the 'Deed of Assignment' or not?

Any help appreciated.

Use the template which will ask for it in writing, then they will have to provide it.Without the deed of assignment it could be anyone asking for the money.Put it this way, without it you will then have BPF , Moorcroft and any other DCA taking/demanding money from you. At the moment your debt is with BPF unless they sell it on.If Moorcorft dont have the deed of assignment, then it has not been sold to them. Why would you pay money to someone you do not have a debt with?

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Hi All

I have been out of the couintry for the past 3 weeks so am behind on the situation will see what mail I have when I get back.

For myself I want to know if BPF are so sure we should pay them why have they not actually taken us all to court?, every other company I lknow of would have done this by now.. they are stick waving trying to get us to pay hoping we will scare and pay them otherwise they would not be scared to get us in front of a judge.. they know when they do that they have lost..

 

I just checked my credit report and see BPF have now updated it to 5 payments not made.. I want to know if the FOS will help us in reinstating our damaged credit rating which is being done while we dispute of accounts?? or are they too busy kissing BPF's backside to care.

By now it must be obvious that something is wrong so many customers complaining to them about this situation its about time they got off their arses and actually did what they are supposed to do.. investingate and not just read the bull BPF's lawyers are suppling them with

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Hi all,

 

Just wondering if anyone can help at all as I know that Im not the only 1 in this situtation. The loan that my father took out for me for the course was not advised was a different loan/credit agreement to one that I would have signed by myself if i was accepted, is this the case??? are they different agreements, can we confirm this or shed some light on this for me please....

 

If so what are the 'legal terms' for this, if found that we have signed the credit agreement under the impression we were covered by section 74 of the CCA, then car'nt us guarentors hold barclays/advent to account for this, the salesman at the end of the day was the representative for boths companys. is it worth this being looked into.

 

What are other people doing in my situation, i feel now that im at the bottom of the pile with not really a hope of getting anything back. No point as i see raising a claim against advent as Im not going to get the money back that way which i accept, so what are my other options, can somebody PLEASE HELP !!!!!!!!!

 

Thanks

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I have recently posted my letters to my MP but as yet have had no reply whatsoever! :|

 

I have also had Mrs A Lyness's little yellow card (which I ignored) and tonight had a phone call from Allied International. I refused to do their security checks though as I told them I didn't know who they were so they just gave up in the end. 8-) I will now send them the template letter as suggested - thanks guys!

 

On a slightly happier note - I am about to get the keys for my new house this week. Although BPF trying to sully my credit rating with several months payments behind, I added my comments when they first started and managed to get a mortgage despite them. Ha! :razz:

 

Just need the legal team to squash them in court now and end this nightmare once and for all. Thanks so much to Fuzz and all who have been consistently offering help and encouragement to the rest of us despairing souls. Hang on in there guys!!

Edited by GillyBee
spelling howler!
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This is what you must do.

Go to the legal website - download the template for 'Deed of assignment'.

Amend this to your situation, and send to them, with also a demand for the copy of the contract that BPF have with you.

If BPF have not sold the dept to allied, Allied will not be able to provide you with the contract or deed of assignment, which means they can not ask you for money - It would be like me or anyone else for that matter, asking you for money on someone else's behalf,

Would you pay it to me - no!

Its about time BPF's legal team started filling them in with all the legal blurb...its really just calamitous all this.

 

Yep.

 

It is unlikely that Allied, Moorcroft etc will have a deed of assignment as they are almost certainly working on an agency basis - trying to collect the debt on behalf of BPF. In other words BPF still own the debt which means that they (Allied) themselves could not bring legal action but only a joint action in conjunction with BPF. If any of these agencies had bought the debt, you should have been sent a notice of assignment informing you of this. Either way they are obliged to send you a copy of the agreement they are claiming for.

 

David

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I have received Barclays answer for letter from my MP. They explained they could not answer to MP because did not have my signed authority do deal with MP. Anyway letter looks like a bit more customized then previous spam trash from them. But only a bit. It answer some questions from template letter we were provided (to send over to MP), but some of those questions treated about whole community concerns not neccesarily mine (like level of APR - different for everybody). And BPF answers are pointed at me (welcome mass spam template) despite of my detailed situation in MP letter.

 

Anyway all copied to our legal team.

 

And still awaiting answer from FOS (no much hope in them though).

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