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    • Thanks FTMDave, I like the cut of your jib - I'll go with that and obtain proof of postage. Encouraging that NPE have never followed through and seem to blowing hot air, let's see where they go after this   Regards
    • Please see my comments in orange within your post.
    • no i meant the email from parcel2go which email address did they send it from and who signed it off (whos name is at the bottom)
    • I understand confusion with this thread.  I tried to keep threads separate because there have been so many angles.    But a team member merged them all.  This is why it's hard to keep track. This forum exists to help little people fight injustice - however big or small.  Im here to try get a decent resolution. Not to give in to the ' big boys'. My "matter' became complicated 'matters' simply because a lender refused to sell a property. What can I say?  I'll try in a nutshell to give an overview: There's a long lease property. I originally bought it short lease with a s.146 on it from original freeholder.  I had no concerns. So lender should have been able to sell a well-maintained lovely long lease property.  The property was great. The issue is not the property.  Economy, sdlt increases, elections, brexit, covid, interest hikes etc didn't help.  The issue is simple - the lender wanted to keep it.   House or Flat? Before repo I offered to clear my loan.  I was a bit short and lender refused.  They said (recorded) they thought the property was worth much more and they were happy to keep accruing interest (in their benefit) until it reached a point where they felt they could repo and still easily quickly sell to get their £s back.  This was a mistake.  The market was (and is) tough.   2y later the lender ceo bid the same sum to buy the property for himself. He'd rejected higher offers in the intervening period whilst accruing interest. Lenders have a legal obligation to sell the property for the best price they can get. If they feel the offer is low they won't sell it, because it's likely the borrower will say the same. I had the property under offer to a fantastic niche buyer but lender rushed to repo and buyer got spooked and walked.  It had taken a long time to find such a lucrative buyer.  A sale which would have resulted in £s and another asset for me. Post repo lender had 1 offer immediately.  But dragged out the process for >1y - allegedly trying to get other offers. But disclosure shows there was only one valid buyer. Again, points as above. Lender appointed receiver (after 4 months) - simply to try acquire the freehold.  He used his powers as receiver to use me, as leaseholder, to serve notice on freeholders.  Legally that failed. Meanwhile lender failed to secure property - and squatters got in (3 times).  And they failed to maintain it.  So freeholders served a dilapidations notice (external) - on me as leaseholder (cc-ed to lender).   (That's how it works legally) Why serve a delapidations notice? If it's in the terms of the lease to maintain the property to a good standard, then serve an S146 notice instead as it's a clear breach of the lease. I don't own the freehold.  But I am a trustee and have to do right by the freeholders.  This is where matters got/ get complicated.  And probably lose most caggers.   Lawyers got involved for the freeholders to firstly void the receiver enfranchisement notice. Secondly, to serve the dilapidations notice.  The lack of maintenance was in breach of lease and had to be served to protect fh asset. Enfranchisement isn't something that can be "voided", it's in the Leasehold Reform Act 1967 that leaseholders have the right to buy the freehold of the property. It's normal, whether it is a "normal" leaseholder or a repossession with a leasehold house, to claim this right of enfranchisement and sell the property with said rights attached and the purchase price of the freehold included in the final completion price. That's likely what the mortgage provider wished to do. The lender did no repairs. They said a buyer would undertake them. Which was probably correct. If they had sold. After 1y lender finally agreed to sell to the 1st offeror and contracts went with lawyers.  Within 1 month lender reneged.  Lender tried to suggest buyer walked. Evidence shows he/ his lawyers continued trying to exchange (cash) for 4 months.  Evidence shows lender and receiver strategy had been to renege and for ceo to take control.   I still think that's their plan. Redact and scan said evidence up for others to look at? Lender then stupidly chose to pretty much bulldoze the property.  Other stuff was going on in the background. After repo I was in touch by phone and email and lender knew post got to me.   Despite this, after about 10 months (before and then during covid), they deliberately sent SDs and eventually a B petition to an incorrect address and an obscure small court.  They never served me properly.  (In hindsight I understand they hoped to get a backdoor B - so they could keep the property that way.)  Eventually the random court told them to email me by way of service.  At this point their ruse to make me B failed.  I got a lawyer (friend paid). The B petition was struck out. They’d failed to include the property as an asset. They were in breach of insolvency rules. So this is dealt with then. Simultaneously the receiver again appointed lawyers to act on my behalf as leaseholder. This time to serve notice on the freeholders for a lease extension.  He had hoped to try and vary the strict lease. Evidence shows the already long length of lease wasn't an issue.  The lender obviously hoped to get round their lack of permission to do works (which they were already doing) by hoping to remove the strict clauses that prevent leaseholder doing alterations.  You wouldn't vary a lease through a lease extension. You'd need a Deed of Variation for that. This may be done at the same time but the lease has already been extended once and that's all they have a right to. The extension created a new legal angle for me to deal with.  I had to act as trustee for freeholders against me as leaseholder/ the receiver.  Inconsistencies and incompetence by receiver lawyers dragged this out 3y.  It still isn't properly resolved. The lease has already been extended once so they have no right to another extension. It seems pretty easy to just get the lawyer to say no and stick by those terms as the law is on your side there. Meanwhile - going back to the the works the lender undertook. The works were consciously in breach of lease.  The lender hadn't remedied the breaches listed in the dilapidations notice.  They destroyed the property.  The trustees compiled all evidence.  The freeholders lawyers then served a forfeiture notice. This notice started a different legal battle. I was acting for the freeholders against what the lender had done on my behalf as leaseholder.  This legal battle took 3y to resolve. Again, order them to revert it as they didn't have permission to do the works, or else serve an S146 notice for breach of the lease. The simple exit would have been for lender to sell. A simple agreement to remedy the breaches and recompense the freeholders in compensation - and there's have been clean title to sell.  That option was proposed to them.   This happened by way of mediation for all parties 2y ago.  A resolution option was put forward and in principle agreed.  But immediately after the lender lawyers failed to engage.  A hard lesson to learn - mediation cannot be referred to in court. It's considered w/o prejudice. The steps they took have made no difference to their ability to sell the property.  Almost 3y since they finished works they still haven't sold. ** ** I followed up some leads myself.  A qualified cash buyer offered me a substantial sum.  The lender and receiver both refused it.   I found another offer in disclosure.  6 months later someone had apparently offered a substantial sum via an agent.  The receiver again rejected it.  The problem of course was that the agent had inflated the market price to get the business. But no-one was or is ever going to offer their list price.  Yet the receiver wanted/wants to hold out for the list price.  Which means 1y later not only has it not sold - disclosure shows few viewings and zero interest.  It's transparently over-priced.  And tarnished. For those asking why I don't give up - I couldn't/ can't.  Firstly I have fiduciary duties as a trustee. Secondly, legal advice indicates I (as leaseholder) could succeed with a large compensation claim v the lender.  Also - I started a claim v my old lawyer and the firm immediately reimbursed some £s. That was encouraging.  And a sign to continue.  So I'm going for compensation.  I had finance in place (via friend) to do a deal and take the property back off the lender - and that lawyer messed up bad.   He should have done a deal.  Instead further years have been wasted.   Maybe I only get back my lost savings - but that will be a result.   If I can add some kind of complaint/ claim v the receiver's conscious impropriety I will do so.   I have been left with nothing - so fighting for something is worth it. The lender wants to talk re a form of settlement.  Similar to my proposal 2y ago.  I have a pretty clear idea of what that means to me.  This is exactly why I do not give up.  And why I continue to ask for snippets of advice/ pointers on cag.  
    • It was all my own work based on my previous emails to P2G which Bank has seen.
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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.

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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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Used car problems - what are my rights?


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Hi all,

 

Am sure this question has been asked a hundred times but any advice would be greatly appreciated on my individual problem.

 

I bought a second hand 02 reg Peugeot 206 5 weeks ago from a dealer who knocked £300 off the asking price and then mentioned the 3 mth warranty only now covered engine and gearbox. It had a new MOT done the day I bought it. Since then I've discovered there is a fault with the indicators where the headlights come on as I'm indicating (a common Peugeot fault - new comm2000 unit needed at £155), the brake light is out (bulb is fine but lot of rust on connections) and 2 days ago the clutch release bearings broke (£250 to fit new clutch).

 

I spoke to the dealer today to enquire as to how the car passed it's MOT with these failings (particularly brake light and indicator problem) and he said the car was fine when purchased and it was just "bad luck". The clutch he said was general wear and tear and another case of "bad luck" and not covered by the warranty.

 

I just wondered if there was any angle I could approach to the dealer of my rights under the sale of goods act when buying second hand cars? I've had the car for only 5 weeks and this seems a lot of "bad luck" to me!

 

Thanks in advance for any help given.

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Yep, any problems with a car during the first six months after purchase are deemed to have been present at time of sale.

Any faults during the first six month it is up to the dealer to 'prove' they weren't there at time of same and not you to prove they were.

 

Sale and supply of Goods to Consumer Regulations 2002 - Sale of Goods Act 1979 (as amended)

 

The warranty has no meaning at all and does not take away or reduce your consumer rights.

Edited by Conniff
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Thanks Conniff. That's promising. But from his point of view, does the fact that he rushed it through MOT on the day I bought it provide him with the proof that the car was fine on purchase? I think I know why he was very keen to make sure he got the MOT done that day! (with obvious good contacts he has at the garage) To me there is no way the indicator problem and brake light happened since purchase - the brake light particularly is not a case of a faulty bulb, it's the rust inside the unit on the connectors where there must be a leak that is the issue, and an obvious ongoing one.

 

Just worried that the MOT cert covers his back entirely.

 

Thanks a lot for your advice, it's much appreciated.

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I have certs going back to 2005. There are 2 advisory certs attached to 07 and 08 years. The car was originally £2,800 but he took off £300 (he is a friend of my brother in law) and because of the reduced price he said warranty now only covered engine and gearbox for 3 mths.

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Ok, go here - http://motinfo.direct.gov.uk/internet/jsp/ECHID-Internet-History-Request.jsp - and check the MoT just done and last years as well.

 

The warranty is just an extra and nothing else. It in no way takes away any consumer protection you have. No, the fact that the MoT was on the day of sale does not take away that protection either.

 

Have you contacted him at all with any problems?

 

There is no such thing as a 'friend' in the car sales business.

 

Oops nearly forgot - who is the warranty with, a company or is it his own and have you anything in writing?

Edited by Conniff
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OK, just checked the MoT just done and last years.

Last years was done Sept 17th 2009 and passed with advisory note of offside front tyre worn to legal limit

This years first attempt was done 7th July 2010 and failed due to "offside rear stop lamp not working" and "due to car overheating emissions not tested"

Retest was done 9th July 2010 and passed with no advisory notes but he hasnt included the failed cert from this year in the docs he gave me so surely brake lamp was still a prob?! And is it legal requirement for him to have included failed cert with sale of the car? I would have seen then that one of the reasons for failure was brake lamp.

 

I contacted him yesterday morning to discuss all the issues I've had. He stated that the car had passed it's MoT and there were no problems on day of purchase so simply a case of bad luck for the indicators to have their problem as well as the brake light not to be working. The clutch release bearings which went on Sat morning is another case of bad luck and nothing to do with an ongoing problem with the car. I have purchased a new comm2000 unit to replace the dud one in the car to fix the indicator/headlight problem at £155 and a new clutch is £250 which is being fixed today. Should I not have purchased these items prior to trying to resolve with the dealer first?

 

I believe the warranty to be his own but have nothing in writing - a major error on my part I guess.

 

Thanks again for your swift responses Conniff. All friends in the car sales business seem to be on this forum!

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No you shouldn't have paid for repairs, it is his responsibility and if he thinks he has found a way around the consumer regulations by Mot on the day of sale, he is deluding himself.

The fact that it had failed in the past shows that there is an ongoing problem with the tail light.

 

As he has denied any liability, and refused you any repairs, then you must send him a copy of the bill. Ask the repairing garage to itemise the bill showing all parts and labour and not just 'repairs £500'. You will send this copy by recorded delivery. We will come to that when the repairs are complete.

 

He hasn't given anything in writing about the warranty, so that means he cannot now limit it.

 

What worries more than anything in your last post is the overheating. It was repaired in a day, so

Have you checked the water, is it nice and clean with anti-freeze?

Are there any signs of repair ie new radiator or hoses?

Is the radiator cap sitting tightly on it's seating?

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I'll get the itemised bill from the garage today for repairs on the clutch. The comm2000 unit was purchased from a supplier over the internet so should come with a billing note.

 

Yes I obviously had no knowledge of the overheating issue without the failed MoT cert until you sent me the link to check. The car is currently at the garage where repairs have started on the clutch which should be completed by this afternoon. I'll have to check for answers to your questions when I pick it up.

 

I'll report back when I collect the car. Thanks again.

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I am worried that there could be a head gasket problem or radiator leak and they have used a 'radweld' sealing agent which can last a good few months.

Send off the copy bill as suggested, but make this overheating a number one priority.

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Hi Conniff,

 

I have had the overheating issue checked out and am advised there is no problem and no use of radweld. The radiator, thermostat and head gasket are all in good order and no quick fix has been detected to enable the car to pass it's MoT 2 days after it initially failed. The clutch has now been repaired and the car is running fine. I have an itemised bill for the clutch and the new comm2000 unit I had to buy. So the first step is to send a copy of both bills to the dealer by recorded delivery and see how he responds?

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Hi everyone!

 

May have a problem here me thinks. Have you got any proof that the seller has refused to investigate/carry out any repairs? The seller is entitled to have the opportunity to do so. The seller can of course agree to allow the repairs to be carried out elsewhere but in anyevent, if the OP has had the repairs done without going through the above (as conniff will confirm), you give the seller the opportunity to dispute costs ect.

 

Please Note

 

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

I would always urge to seek professional advice for clarification prior to taking any action.

Please click my reputation button at the bottom of my profile window on the left if you found my advice useful.

 

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