Jump to content


  • Tweets

  • Posts

    • No I get what you're saying and that is fair enough if that's the way it is, but the issue is that the Judge has agreed that I part exchanged my car against a new car but then failed to acknowledge that it was a deposit of some form. To trade my car in and get a discount of a new car constitutes as a deposit by legislation. The Judge has conflicted himself and this is where he is misinterpreting the law.  I also shouldn't have had a scrappage discount and a dealership discount together, it says so in their terms and conditions, which in itself makes the agreement improperly executed at the very least.  This may all make more sense when I upload the trial bundle, it's over 160 pages though so taking a while to redact my information 
    • the scrappage scheme is nothing to do with the agreement ...sorry. it's an enticement to purchase a replacement vehicle. just the same as shop signs that say 50% off or whatever.  its a done and dusted deal done before you enter into the agreement for the remaining £sum. 
    • don't get too hung up on the real meaning of 'fake' in terms of the documents a claimant might produce relating to a potential court claim. by fake we typically mean, they are not obviously the 'real McCoy' ,100% associated with whatever credit they are trying to pin on punters. they are often of the right 'version' that an OC would have used for that particular take out date, but with details inserted in a diff font where they should be for say your name address DOB etc. All DCA's typically  have filing cabinets covering each year for most creditor, whip 'em out, scan and copy n paste your details onto them, even easier now with online sign ups. no hard copies ever sent cause 90% of mugs have lost them..... one of our most powerful tools is the fact any docs they produce, unless they state they are 'a reconstruction'  MUST come from the original creditor noty some hidden pile the claimants have. Link are absolute masters at this so dont stick to lowell threads. dx    
    • Driving home last night I contacted wing mirrors with a car coming the opposite way. The wing mirror folded in and the glass popped out. Very minor damage.  I stopped at the next layby (A road) to repair the mirror. A passerby stopped and said they saw the other car stopped behind me in another layby - they went back and passed over details so we could get in touch.  The conversation started cordially, but quickly got heated when I said I was well on my side and they drifted over (which is what happened).  I wasn't going to bother filing a claim as there isn't enough damage to justify it. I've said to the other party lets just call it quits as there are no witnesses and we both think we are innocent.   they said they are contacting the police and insurance and that they have witnesses. But a quick facebook search found a post by the other person saying they were in a crash, and were 'spun' off the road. Picture of a broken wing mirror and a slight scuff on the front and rear wheel arch. they are asking for witnesses. I have screenshots of the post, and sent them another message saying I can see you don't have witnesses as you are appealing for them. I'd really not drag this out. Lets call it quits and move on. this was followed by a couple of messages that didn't really make much sense. e.g. 'do the right thing'. What should I do now?  Contact police?  Contact my insurance? - Can I tell them about this incident but say I dont want to claim? Will that affect my premium?  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • 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
        • Like
      • 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
        • Like
  • Recommended Topics

Kensington v angnnig


angnnig
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4114 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi Angnnig, do you have copies of the letters you sent to them explaining why you fell behind with payments? did you send the letters by recorded delivery?

 

Do you know if they have added charges into the arrears figure ?

 

If you can hang on till tomorrow I can help you with the defence form and a statement to go with it (Q.23). Alternatively you can do a witness statement and affix a budget sheet showing your incoming and outgoings and how much you can afford to pay towards the arrears - the court will accept this OK.

 

You really need to hand it in to the court on Monday - can you do that?

 

Ell

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

  • Replies 119
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi Ellen ,yes we have the copies of the letters we sent to them and sent them by recorded delivery.They have included £1,376.76 of charges in the £5,180 arrears they say we owe.I will do whatever you think is best and easiest for the defence ,no probs i can be online tomorow,just very gratefull for your help whenever you can ,regards angnnig

Link to post
Share on other sites

OK, will catch up with you tomorrow and we'll get to work so you can put the paperwork into court on Monday :)

 

In the meantime, affixed is a budget sheet for you to fill in. It calculates automatically as you enter the figures, so you can adjust as you go along to get the right result. The amount you are offering to pay towards the arrears should be the amount left over after everything else has been accounted for (Step 3 - difference between your income and outgoings).

Budget Sheet.xls

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

Like I said my mortgage was 37,000 and rose to owing them 45,000. Smith79 can you post the details of who you complained to at the FSA I might see if I can get any compo for my situation 5 years ago as I still have a lot of documentation.

 

 

hi there i just addresed the letter tto the cheif executive at fsa there address is 25 The North Colonnade, Canary Wharf, London E14 5HS

i included the copies off proff i had to show all the charges they will help you all they can they have with me also i went to my local mp with all the information they help by speaking to fsa kensington and the financial ombusman i recievd a call from my mp to let me know that they are going to stop the eiction next due to the evidence i submitted even though they tolld me this on the phone i requested every thing in writing but i will still be attending the court has i do not trust kensington at all hope this helps you and good luck

Link to post
Share on other sites

Thanks so much for this info and really hope you win your case......as I said before there is just no stopping these people they seem to just be able to push things through and get away with it. Nasty pieces of work with no human face....just out to get their grubby hands on your property.

Link to post
Share on other sites

With all the legal action Ive read about KM since I returned to the UK five years on why is this organisation still allowed to continue to trade? Why do we have to get our MPs on our side and other legal bods just to stop this organisation from bulldozing through court proceedings and taking peoples homes? They seem to soldier on regardless. Regardless as to the fines theyve had to pay out regardless of the constant admin they must be having to produce. I had no idea my remortgage would be with them until I got informed by Prestige Finance and at the time I had no idea they were so bad!:mad2: I was a sitting duck.

 

In Spain if a company has had a complaint about them they have to display that complaint in the shop window (if its a shop of course) I think it would be wise to make businesses do this here. Ok perhaps I should have researched KM on the internet at the time but I trusted them and I don't know how long they've been trading but there didn't appear to be much around about them at that time! :!:

Link to post
Share on other sites

Hi Angnnig, I've almost finished the statement - we have to put a reason for why the arrears happened, what do you want me to put for that?

Also, do you have 3 children living at home?

 

On the copy letters you sent to them re the arrears, write the Claim number on the top left hand corner and Appendix 1 on the top right hand corner. Do the same for the budget sheet which will be Appendix 2 and also the statements showing charges which will be Appendix 3.

 

As soon as you answer the above questions I can fnalise the statement.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

The reasons that we fell behind with the mortgage are as follows. My partner runs his own taxi ,its not been a good year for takings to start with due to the ressesion but we just about kept our heads above water until october of this year when things rapidly went wrong ,firstly the gear box on the taxi packed up and needed replacing which then left us short to pay for the road tax that was also due.Then straight after that the 6 month inspection check was due and the last strwa was that the car insurance had run out and the deposit on the taxi became due also ,all this happened between the months of october and december which caused us to fall behind with the payments ,we kept in contact with kensington by telephone and by letter ,Kensington explained toi me that the payment arrangement had been cancelled and would on only consider a new arrangement once we filled out an I/e form of which we waited for and sent back straight away.We explained that we wanted to lower the payments for a short while whilst we were struggling.then about a week later we recieved a reppo order ,my partner then phoned them and spoke to

Link to post
Share on other sites

an advisor and said that as soon as he had worked through christmas that we would be able to pay one months payment of £320 and then resume weekly payments of £80 .The advisor said that he would get a business manager to look at our offer.The business manager then phoned us up on the 14th of jan and said that the only reason that they wanted to go to court was to get a susspended repo order in place to secure our payment arrangement with them and that they had no intention of taking our house of us, as long as we kept to the payment arrangement .

Yes we have 3 kids all under 13 years of age.hope this helps ,Thankyou for all your help ellenn

Link to post
Share on other sites

OK, I'm on it - will post in a few minuteds

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

On the copy letters you sent to them re the arrears, write the Claim number on the top left hand corner and Appendix 1 on the top right hand corner. Do the same for the budget sheet which will be Appendix 2 and also the statements showing charges which will be Appendix 3.

 

Have you done this?

 

 

Affixed is the statement - you need to put the info where there are XX's at the top and also in other parts of the statement (read it through to make sure you have found all the xxx's). When you print it out make sure that the printer is set for A4 paper (not Letter size) so it all stays on one page.

 

Assemble as follows:

 

Statement - signed

Appendix 1 - copy letters

Appendix 2 - budget sheet

Appendix 3 - statements showing charges

 

This forms the pack to take to court - make sure it is securely stapled or bound together. You will need to take a photocopy of it all so you have a set for yourselves to refer to in court.

 

Any questions, just shout :)

Angnning statement Jan 11.doc

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

If I do that you will lose all the formatting. Can you download Open Office (it's free) and use that to open the file it should then show it in the same format as Word. Are you using a MAC?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

This is the link to Open Office (not microsoft office) http://www.openoffice.org/

 

Click on I want to Download

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...