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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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What to do when the money stops?


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I thought I posted on this thread yesterday, but it seems to have vanished (most probably I hit the wrong button). The gist of my post was:

 

Back to topic, I sent letters to all the creditors I was in contact with. So far only one has replied; they have asked me to prove my IB is stopping and to prove what is replacing it. Not sure if they are living in a bubble, but I thought everyone and his dog were aware IB was stopping. They've (the Gov) made a big enough play of the fact that they are going to get all those lazy sick people off their bums and back into work. As to proving what in my case is going to replace it; I don't know yet.

 

The fact is proof is irrelivent, but if as they say they do not know what is happening I'll just send them a link to direct.gov.uk. As for its replacement, they don't need proof; if I get it they'll continue to get their token, if I don't they'll get the same as me; nothing. I am trying to get Carers Allowance, but that is half what IB is; not sure if I can reduce token payments to 50p, as standing orders may not go that low.

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Good news, got a call this morning (on a Saturday, they must be putting in loads of overtime to get through the million odd people on IB) from the Job Centre, I have been moved onto ESA and am in the support group. So there will be no change in my income; although my income is not due to go down, it will not be subject to annual rises in line with inflation, and will stay the same until the (lower) rate of rises to that of my IB (which includes extra allowance from Invalidity Benefit), so effectively it will go down each year. Even when it gets as low as ESA it will still effectively go down each year as the rise will be less than inflation under the new rules introduced by the ConDems.

 

All said it is a great weight off my mind, and combined with my recent successful heart operation things are looking a lot better in Castle Orlok.

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A statutory Decleration by your Wife, £10 at local solicitors will put all goods in the house in her name, and thus untouchable by the Bailiff's ;)

 

Plus being on disability benefits, Bailiff action should not be allowed, as you are vulnerable.

[sIGPIC][/sIGPIC]

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Thanks for you input, but I don't think we'll be seeing any bailiffs. The nearest any creditor has got to court is a self reading pre-litigation letter. Looks like I'll be keeping my money so my creditors will keep getting their's. I doubt even a DCA would be stupid enough to take a disabled person to court when they are making payments, and if they did I try to get the £1 a month reduced to £0 a month.

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I'm a little worried again now, not had anything from the DWP, could this person have made a mistake, I've not been for any assessment. Although I sure they would have written to my doctor or specialist and they would have confirmed my position.

 

If they start getting funny though and start asking me to jump through hoops, I'll tell 'em to stuff it and I'll claim carers allowance for my wife. Come to think of it when I got my first call from the DWP about this the guy started getting all defensive when I suggested this and said to wait and see. Perhaps they are starting to get worried they'll get bad press about all the poorly people being forced of benefits. Trouble is most of the press is right wing. so dunno.

 

Wife went down the chemist this am to get my heart med, had to wait ages while all the smackheads got their fix (many with their kids in tow, god only knows what they'll turn out like).

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Horrible little smack-heads like there parents... Had a few in the ward over the weekend... little bleeders can't even overdose correctly... then they wake up and demand, demand, demand.,,, and the usual mantra of the Chav's and Smackheads ( we know our rights ) blah de blah de blah de blah... Yep,,,,, well guess what,,, It ain't washing with this old soldier brother...... So do one....

[sIGPIC][/sIGPIC]Happyhippy1959

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Excellent result Count, concentrate

on yourself now that worryis gone.

 

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Great result Count..... Thought was if you did not get it just say your a SMACK-HEAD.... you'll get everything thrown at you..... I heard a brilliant one yesterday,, a overdose patient took the overdose because the social would not purchase a flat screen tv.. honest mate you can't make it up...!!!!!!!!!!!!

[sIGPIC][/sIGPIC]Happyhippy1959

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Ah, Clark about to be shuffled I here,

to the back benches:madgrin::?:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 1 month later...

How can anybody accuse the BBC of being lefties after that slating of the disabled they showed on Panorama?

 

Well the only company that answered me re stopping payments, decided to write it off and my credit file now shows £0 balance for their account. My last payment of IB was 2 weeks ago, and today (Wednesday) I was expecting my first payment of ESA. Guess what, nothing paid into my account. I'll hope it goes in tomorrow, but if not, not sure where I stand. Will I be a able to get carers allowance and pension credits back dated 2 weeks or will I have lost a fortnight's money.

 

This lot (the government) are evil with all the anti-disabled polices coming out of no. 10. I'm even beginning to wish for the days under Thatcher, whatever one says about her government they looked after the disabled with Invalidity benefit and the their new benefit for them, DLA.

 

Then we had Tony and his mob, they got rid of Invalidity benefit and replaced it with IB, later on they decided that was to generous and started rolling out ESA. The new ConDems carried on with the change over to ESA but promised to leave DLA and all benefits for the over 60s. They lied about DLA, so can we expect to see the ending of pension credits and the winter fuel allowance?

 

Perhaps they are thinking the predictions for the number of deaths expected this winter are not high enough to meet the targets for benefit savings. I just don't know, How can the people allow this to go on, are they that worried about the rich paying more taxes that they let this happen.

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Helllo Count,

There was a delay on all

benefits at the end of last week

due to the failure of 2 major

banks digital banking systems

may be this is still affecting

payments.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Cheers Brig. That must have been the problem. They should have let people know, but then considering the contempt the government holds for many of us I shouldn't be supprised they didn't.

 

It has arrived now, only a day late. Not so bad for us as we had our pension credits earlier in the week, but many do not have any lifeline.

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