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    • If you are buying a used car – you need to read this survival guide.
      • 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
      • 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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JP Morgan Eviction Warrant **CANCELLED**


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Hi Everybody on 23rd November 2009 i got an eviction date for my home of 2nd december 2009, I applied for a hearing for a stay but not sure what to do next Since the 19th of november i have paid the morgatge company £1200 and offered £2000 buy end of december plus normal payment plus £300 on top the morgage company tonigh told my wife that this was unacceptable dure to the fact that i could not supplie them with a statment of means saying that i had refused to provid it. I am in court at 10 on the 26th of novemberPlease help:confused:

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Hi Everybody

 

on 23rd November 2009 i got an eviction date for my home of 2nd december 2009, I

applied for a hearing for a stay but not sure what to do next

 

Since the 19th of november i have paid the morgatge company £1200 and offered £2000 by end of december plus normal payment plus £300 on top the morgage company

 

tonight they told my wife that this was unacceptable due to the fact that i could not supply them with a statment of means saying that i had refused to provid it.

I am in court at 10 on the 26th of november

 

Please help:confused:

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Hi there, I'm assuming you filed an N244 form at court for a hearing? if so, what did you put in Q.10 of the form?

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Hi there, I'm assuming you filed an N244 form at court for a hearing? if so, what did you put in Q.10 of the form?

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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.

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Hi there, I'm assuming you filed an N244 form at court for a hearing? if so, what did you put in Q.10 of the form?

 

? .

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

 

 

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Hi there, I'm assuming you filed an N244 form at court for a hearing? if so, what did you put in Q.10 of the form?

 

? .

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.

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Yes files N244 on 23rd as soon as i got the eviction noitice i put down in Question 10 that i had paid the morgage company £600 on the 19th the day thet appied for full possesion and that i would be paying £600 on the 25th also that i was expection in 2 payments of £1000 for injury claims that i would pay to the morgage company on clearence of funds

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Yes files N244 on 23rd as soon as i got the eviction noitice i put down in Question 10 that i had paid the morgage company £600 on the 19th the day thet appied for full possesion and that i would be paying £600 on the 25th also that i was expection in 2 payments of £1000 for injury claims that i would pay to the morgage company on clearence of funds

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OK, you 'll need to take a statement with you quoting some case law which should help your case. Also, you should complete a budget sheet to take with the statement (the judge will want to know how you can afford the payments you are offering).

 

I have affixed the budget sheet we normally use. When filling it in remember that the amount you are offering to pay each month on top of the normal monthly payment is the amount left over after everything else has been accounted for.

 

I can draft a statement for you if you need me to? will need the following information?

 

What was the reason for missing payments under the suspended order?

Is the mortgage in joint names?

Do you have any children?

 

Ell-enn

Budget Sheet.xls

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

 

 

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OK, you 'll need to take a statement with you quoting some case law which should help your case. Also, you should complete a budget sheet to take with the statement (the judge will want to know how you can afford the payments you are offering).

 

I have affixed the budget sheet we normally use. When filling it in remember that the amount you are offering to pay each month on top of the normal monthly payment is the amount left over after everything else has been accounted for.

 

I can draft a statement for you if you need me to? will need the following information?

 

What was the reason for missing payments under the suspended order?

Is the mortgage in joint names?

Do you have any children?

 

Ell-enn

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.

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Hi Ell-enn the reason for the missed payment was i went on jury service and Lost effectivly one months work as a self emploed sales man it has taken me the last couples of months to sort out customers and get them spening again also the morgage is joint and we have 3 children ages 12 / 11 /19 months i wolud appriate any help drafting a statment

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Hi Ell-enn

 

the reason for the missed payment was i went on jury service and Lost effectivly one months work as a self emploed sales man it has taken me the last couples of months to sort out customers and get them spending again also the mortgage is joint and we have 3 children ages 12 / 11 /19 months

 

i would appreciate any help drafting a statement

 

Forgot to mention that since jp morgan to the original action they have been charging me £40 a month in arrers charges

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hi Ell-enn The reason for missing the payments is jury service it has taken a couple ofmonths to stargten out my bussiness scince going on it and am now only just starting to see payments from customers again. also the morgage is in joint names and we have three children the ages are 12 /11 and 19 months i would appricate any help drafting a statment regards belgarion21:)

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Hi there, sorry for delay - I had to go out. Will be back in 10 mins or so with your statement.

 

In the meantime, you need to print 3 copies of the budget sheet - Write the claim number on the top left hand corner and Appendix 1 on the top right hand corner of each copy.

 

Ell-enn

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Hi there, sorry for delay - I had to go out. Will be back in 10 mins or so with your statement.

 

In the meantime, you need to print 3 copies of the budget sheet - Write the claim number on the top left hand corner and Appendix 1 on the top right hand corner of each copy.

 

One more question - do you have proof of the payment you made on 19th November ?

 

I see you have logged off :( Affixed is a statement for court. You will need to fill in the information where there are XXX's (at the top and in the first bullet point). If I have got any details wrong you will need to amend.

 

You will then need to print and sign three copies - affix a budget sheet to each copy (if you have proof of the payment you made on 19th November affix a copy of that to each statement too) and staple.

 

When you get to court ask the usher if they will give one copy to the judge. If they say they can't interrupt then you will have to give it to him in the hearing. As it is your application for a hearing, the judge will speak to you first - when he has finished speaking say "Sir (or Madam) may I give you an up to date statement" and hand it over. You will need to give one to the rep for the other side too.

 

If there are any free legal reps at court approach them and ask for their advice, they can accompany you into the hearing also.

 

I will be back on line around 8.30am if you need to ask any questions.

 

Ell-enn

Belgorian22 Statement for court.doc

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One more question - do you have proof of the payment you made on 19th November ?

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.

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I see you have logged off :( Affixed is a statement for court. You will need to fill in the information where there are XXX's (at the top and in the first bullet point). If I have got any details wrong you will need to amend.

 

You will then need to print and sign three copies - affix a budget sheet to each copy (if you have proof of the payment you made on 19th November affix a copy of that to each statement too) and staple.

 

When you get to court ask the usher if they will give one copy to the judge. If they say they can't interrupt then you will have to give it to him in the hearing. As it is your application for a hearing, the judge will speak to you first - when he has finished speaking say "Sir (or Madam) may I give you an up to date statement" and hand it over. You will need to give one to the rep for the other side too.

 

If there are any free legal reps at court approach them and ask for their advice, they can accompany you into the hearing also.

 

I will be back on line around 8.30am if you need to ask any questions.

 

Ell-enn

Belgorian22 Statement for court.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.

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Hi everyone i got a revised payment plan in place judge ammened open possesion order now as long as i keep payments up everything will be fine, next step to get arears charges of £40 amonth back sorry i did not let everybody know yesterday but ting went a bit nuts :D:D

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Hi everyone i got a revised payment plan in place judge ammened open possesion order now as long as i keep payments up everything will be fine, next step to get arears charges of £40 amonth back sorry i did not let everybody know yesterday but ting went a bit nuts :D:D

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