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    • the evidence you have from Mercedes is perfect. simply write to both the finance company and the dealership that sold you the car, stating under the consumer rights Act 2015 should a fault appear outside of 6mts, it's for the consumer to prove the fault was present at time of sale. Please find enclosed a copy of said report from Mercedes at XXXX stating quite clearly that the windscreen was replaced on Date , some xxx months/years BEFORE my purchase on DATE. there is a bill to pay of XXX to XXX , i expect you to sort this out between yourselves , i am not liable for this. something upon those lines anyway.  
    • Not really. I just wrote it based upon my credit file data with screenshots and stuff.  Also referring to multiple data points. You need to read before sending or writing it.    I have plenty of experience in this stuff so takes me half hour to write something like this. For you itll take an afternoon probably. An additional day with it on your CRA wont cause a problem.     Reference Material; ICO Credit File Guide - https://ico.org.uk/media/your-data-matters/documents/1282/credit-explained-dp- guidance.pdf ICO Main Page For Credit - https://ico.org.uk/for-the-public/credit/ CMF Limitation Act 1980 - https://www.checkmyfile.com/articles/the-limitation-act-1980-and-debt-time-limits.htm Gov Limitations Act 1980 - https://www.legislation.gov.uk/ukpga/1980/58/2023-11-18 (Latest Version) Transunion 6 Years - https://www.transunion.co.uk/consumer/credit-report-help/how-long-does-information-stay-on-my-credit-report-for Equifax 6 Years - https://help.equifax.co.uk/EquifaxOnlineHelp/s/article/Howlongdoesadefaultedorsettledaccountstayinmyreport Experian 6 Years - https://www.experian.co.uk/consumer/guides/defaults.html#:~:text=A default will stay on,you still%20owe%20them%20money
    • Thanks fkofilee , by any chance is there a templete for guidance that i could use to help me write the complaint?
    • Hi everyone,  There were many topics on this issue in the past. May I please have an update if anyone managed to buy or sell the house with the leasehold air space on it? would the bank lend the mortgage?  If I was not informed about the complications when selling the house. instead, they told me that this would add value to the house and sell faster which is the opposite. Can I file the case and dispute it for mis-sold and misrepresentation?  I am in the year 9th and I was not aware of the issue until I wanted to sell my house. There has been no communication since I signed the contract. The company has never contacted or updated me on how much energy the panels generated how much I used etc.    This is a free panel from the government schemes, run by  Freetricity.   Thank you   
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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.  

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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.
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      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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GORNAL MOTOR COMPANY -Engine problem /CCJ Awarded.


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To clarify. People often don't get this:

 

Anyone can set up a business. i.e. start selling things, or providing services for financial gain.

 

There are three ways to do this (excluding LLP's for solicitors etc):

 

1) A sole trader

 

or

 

2) A partnership.

 

In both these cases there is no formality or paperwork involved. (other than registering with HMRC, or they will fine you!)

You, or you + partners can trade as any name you wish that does not infringe on other peoples brands or trademarks.

 

You could for example trade as:' Joe Bloggs - Pie maker'. A week later you can call yourself 'The Joe Bloggs Pie Company', both at the same time if you want, and so on.

The legal entity in this case would be:

 

Joe Bloggs T/AS (trading as) The Joe Bloggs Pie company. Or another way of putting it, Joe Bloggs T/AS whatever name he chooses.

 

These are 'trading names', or 'trading styles'.

 

Inserting the word 'company' in the title is irrelevant.

 

For the 'company' to have any legal status, it must be incorporated.

 

Joe Bloggs would have to form and register the company at Companies House, therefore becoming option '3'

 

3) The Joe Bloggs Pie company LTD.

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I fully understand that but I still do not know where that leaves me. I purchased the car from Gornal Motor Company, so that is who I claimed against. They were not Gornal Motor Company LTD when I claimed but still called Gornal Motor Company. The 2nd defendant is still one of the partners of Gornal Motor Company.

 

Does that mean I have done something wrong on my claim or not?

 

Thank You

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Our posts crossed there...

 

In answer to your question.

 

I know that if they are in a formal partnership (they have an agreement between them), then BOTH of them are liable for each others debts associated with the business.

 

How this relates to warrants and enforcement, i don't know, but from experience i can confirm that a bailiff in possession of a warrant against 'The Joe Bloggs Pie Company' will normaly enforce that warrant against the partners.

 

The only way out for them, would be to prove that 'The Joe Bloggs Pie Company' was an incorporated LTD company AT THE TIME OF THE TRANSACTION Which they cannot- because it was not!

Edited by Thegreenpimpernel
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I think I will do that tomorrow to see what they advise. I mainly want to find out if I need to ammend the warrant in anyway. I will be getting the judgment within 5 days, so before I get the balliffs involved, I want to be sure that the name and location etc is ok for them to proceed.

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It's a good idea. I guess my best plan of action is to let the judgment go through against the 2nd defendant and call the balliffs tomorrow to ask if the claim/warrant will give them any problems when it comes to collecting and getting my money back etc.

 

Indemnity charges etc are also a worry....

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Can you confirm what date the claims were issued ?

Both of them.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I just saw that doing a google search for Gornal motor company shows this thread already in 4th place.

hopefully it will soon go to first-so the thread title change did the trick.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I just saw that doing a google search for Gornal motor company shows this thread already in 4th place.

hopefully it will soon go to first-so the thread title change did the trick.

 

That is great Martin!! Cheers.

 

The original claim was issued 03/09/2010

Jouint Judgment was issued on 26/09/2010

Warrant was issued on 20/10/2010

 

My second MCOL claim was issued 26/01/2011

Judgment issued 16/02/2011

 

I will be proceeding with my original claim though, that is what I am waiting for the new judgment on.

 

Thank You

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Good man.:-D

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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The court said they can stop the judgment from going ahead but it will not be easy getting the claim changed to add LTD on the end.

 

Any know what form I need or what to do to get the defendants name altered before judgment please?

 

Thank You

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Hello.

 

Correct me if I've misunderstood, but surely you don't want to change it to LTD on the warrant.

 

If the sale / transaction was with Mr A & Mr B T/AS The Gornel Motor Company you cannot enforce a warrant against the Ltd company that was formed later.It is a totaly separate legal entity - regardless of the similarity in name.

 

Like i say, the Gornel Motor Company was not really a 'company' until it became Ltd.It was just Mr A & Mr B's 'trading name' or 'trading style'

 

This thread demonstrates that the law regarding trading names needs amending.

 

The fact that anyone, you or i could start trading tomorrow with the name "the Consumer rights company" or even "the consumer rights institute" is a bit misleading.

Edited by Thegreenpimpernel
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Now I really am confused....

 

I was told by the balliffs that it would be better for them to get more goods etc, if it read LTD on the judgment.

 

Also, the original judgment was set aside, so since this judgment is being applied for in February, doesn't that mean it should apply to how the company is now?

 

Could do with a solicitiors help to clear this up I reckon. Head is spinning!

Edited by Stresful Life
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As I see thing now,all the vehicle stock and company assets are presumably in the Limited Company.

Lets look at this from another angle.

In the case of banks and Financial Service providers,where another company took over from an existing one,it remained possible to hold the new company liable.

Examples here are Virgin Media ( ex Telewest and NTL business)

Citibank Group (Associates Credit Card)

HSBC (Midland Bank)

Ford Motor Group (Jaguar Cars)

Etc Etc.

I think the crux of this is being able to determine if there was a buyout,a rebrand,a takeover,or what ?

Presumably much of the Assets and Stock F/Fs etc will have been part of the non Limited Company.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I have asked Steven from Site team to come and give an opinion.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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The confusion is due to the fact that the defendant may not have complied with the Business Names Act 1985.

 

If they had, your invoice would make the identity of the defendants clear.

 

It would either say:

 

a) Mr A & Mr B T/AS The Gornel Motor Company

 

Or after the formation of the ltd company,

 

b) The Gornel Motor Company LTD, Registered Office XXXXXXXXX, Registration Number XXXXXXXX

 

It's as simple as that.

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