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    • 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 
    • Yes it’s the garage and warranty company. And then my husband forwarded me the email. 
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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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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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Debt in UK live in Spain please please help


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Yes agree Retap-flaco, I shudder to think what I would have done without this site and all the people who have helped me, I am so so grateful for them giving their time, I would have been in such a state without them.

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I have a reply from Natwest with regards to my complaint to OFT which I copied Natwest. The have said the following.

 

Thank you for your letter dated ...... and your comments have been noted. We have issued our Final Response in relation to your complaint and if you are still not happy with this you will need to refer the matter to the Financial Ombudsman. I have enclosed a copy of the Final response for your reference (which they did not)

 

Do I send the complaint letter that I sent to the OFT to the Financial Ombudsman, I have had no response from the OFT as yet.

 

Thanks in advance for your advice.

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  • 3 weeks later...

Hi all, I got a responce from the OFT saying they have no authority to become involved, but they have confirmed that Natwest holds a Consumer Credit licence so they must be fit and competent, they have noted the details of my complaint and will consider this alongside any other complaints they have received with a view to any consumer credit licence or action they may decide to take. If they do take action they need to disclose my identity with details of my complaint so they have asked me to sign an enclosed consent form.

Shall I sign and send it back.....want to check with you guys first before I do anything.

 

Also I received a reply from the Ombudsman saying they will provide a full response as soon as they can.

 

Just to let you know I have not received anything from AIC, Natwest said they were going to pass the debt to them at the end of January.

 

Thanks for any replies

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  • 5 months later...

I have just received a reply from the ombudsman saying that they agree with Natwest, so it looks like I will now have to sign my request for the CCA, which I will send tomorrow. Does anyone know what I should expect from Natwest now, I am 99% sure that I have not signed a CCA, I am sure I did it all over the phone. So if they cannot send me my CCA what happens with the debt, can they still send the debt collectors to Spain ?? Thanks in advance for your help again.

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To reiterate, because you live in Spain they cannot take any action against you here legitimately they would need to do it there using UK law. The burden of proof is on them to show that you owe the debt, part of which is providing an enforceable agreement. because you made an application on the telephone and did not sign an agreement they will not be able to show a Spanish court the proof necessary.

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so shall I not send the letter with my signature, or just send it as they probably haven't got my CCA and at least I have done everything I should do......what do you think....

also if they do have the CCA you are saying they can go to the Spanish courts, so if I do send my signature at least I would know and then not worry so much

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I had a relative who left the country with debts and they did not inform the creditors they had moved. Consequence was that the creditors just kept writing to last know correspondence address for about 8 years after they had left. Unlucky for me but my address was used to forward on correspondence, so I had 8 years of hassle, from many different debt companies who phoned, sent letters, etc.

 

My advice from what I learned of this, is that you would be sensible to write to NatWest explaining your situation, but making it clear you are in Spain and have plans to return. If they have your address in Spain, they won't be able to use the Spanish courts unless they already have a CCJ in the UK. I don't think NatWest would obtain a CCJ knowing you could not defend. So NatWest will then be faced with trying to negotiate with you a way forward. If they can't reach agreement with you, I would expect that NatWest would have to make a decision what to do. They might stop and just put the account on hold, noting your credit record. They might sell on the debt to debt collectors, without telling them you are abroad, so whoever lives at your last known address will be in for loads of hassle. In either case if you ever returned to the UK, they would eventually catch up with you at whatever address you are living at.

We could do with some help from you.

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Natwest have known that I have lived in Spain for the last 6 years and have no intention on going back to the UK, they also know my address here, so they know I have no UK address and have always sent correspondence to my Spanish address.

 

I will do what you suggested cerberusalert and get my eldest daughter to sign it, but as I said before when the overdraft was agreed I was using my maiden name so yes it will be interesting to see what they come back with.

 

I will let you know, thanks all

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Statute barred ? 6 years (5 years in Scotland) without payment or acknowledgement of the debt or a CCJ being obtained.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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  • 1 month later...

Hi Guys, I have now received a response from Natwest saying that ....

 

It is important to point out that the bank does not require customers to sign an agreement under the consumer credit act in order for an overdraft facility to be applied to thier account. Therefore a copy of the signed agreement is not available and does not need to be provided to you under the terms of section 78.

All borrowing facilities are agreed in accordance with the terms and conditions of the account and overdraft facilities are finalised by way of confirmation letter.

 

They then went on to state information of my account and how much was owed and interest which was 0 and the final paragraph of the letter was....

 

We thrust this clarifies matters, if you have any further quiries please contact us on the above number or write to us at the above address.

signed by the recovery manager.

 

They have not asked to come to an agreement for payment or anything, I can't unerstand why they made so much fuss asking for my signature then to say they do not have to send me the CCA.

 

I am really confused and a bit scared as to what they will do now, can you advise me what I should do.

 

Thanks again for all your help.

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I was just wondering, they said that for an OD they have to send a confirmation letter, should they not have to send me a copy of this letter as I am sure I didn¡t recive one.....what do you think ??

 

also I was reading the thread (thanks miss muppet) what is a SAR and would requesting this applie to me ??

 

Sorry for all the question but I am so afraid of someone turning up at my Spanish home making trouble, here there is so much curruption and you really do not feel safe.

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KM, You are quite right to be concerned about your signature, same bank different issues but know that DCA associated with them lifted my doctored signature from my complaint to FOS implying it was the signed mandate. Ignored by me and now passed to different DCA who can't even get my name right!!

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  • 8 months later...

Hi everyone, I thought I may not hear from Natwest again but I have just receive a letter from Natwest saying as they cannot contact me they have passed my account details to Regal Credit Services Ltd, I have also received a letter from Regal asking me to forward the outstanding amount in full or contact them to agree a payment plan and if I do not contact them they will recommend to their client (Natwest) to take legal action against me and I will incur further interest and legal costs.

I am not sure what to do as i am now working in Spain, can they find this out but I am no longer living at the address they have, the owner of the house gave me the post.

should I write and say I have no money and am living with friends but my mother would be willing to pay 2000GBP to settle the account in full....would they accept this. I just want this to end as it upsets me so much and I get so stressed that's why my mum said she would do this for me.

 

all advice really welcome.

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It's just being passed down the DCA foodchain, AIC dropped the a/c like a hot potato now this lot are chancing their arm.

 

I am not sure what to do as i am now working in Spain, can they find this out but I am no longer living at the address they have, the owner of the house gave me the post.
As long as no-one tells them where you are they'll have great difficulty in finding you. They will not invest too much time, money or energy trying either as it would be uneconomical.

 

There is no point in making any full and final offer until the debt is sold to a debt collection company. For the moment I would just continue to ignore.

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