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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
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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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Lloyds Stayed 2008 claimform - Claimant Now Going for SJ ***case discontinued ***


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Hi Gaz

 

I'm going through exactly the same thing with LTSB/SC&M at the moment - I filed my defence at the beginning of this week, see my thread here:

http://www.consumeractiongroup.co.uk/forum/general-debt/121774-lloyds-tsb-credit-card.html

 

Cheers

Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

Please see the following copyright statement

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  • 1 month later...
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just to say

never had anything back from solicitors before last date I should file defence 

I sent copy of my letter to solicitors & to court with defence which was acknowledged etc

now just had letter from solicitors which said after contacting my clients they have told us to obtain judgement and sent me standing order form got payment .

I fail to see how they can obtain judgement when I'm defending all of claim and they haven't answered any of my questions which you told me to put comments please

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The exact thing has happened on another thread - this seems to now be a standard tactic that these Solicitors are employing trying to dupe you in to thinking they've won and start paying! That isn't the case!;

Just follow the advice I've given to Spiritgirl, above, on Monday morning.

What was the Defence that you submitted?

Can you post the wording up please?

Has the Court acknowledged receipt and told you they are serving the claimant with the Defence?

What was the date the Defence was submitted/acknowledged and served on the claimant?

 

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Hi

Well thats amazing using the same letter to people and not answering mine at all . 31st dec had letter from court northampton bulk centre acknowledging receipt and stating copy served on plaintiff although I sent copy as well ....

as for my defence I put what you said in your letter ie

The defendent denies all allegations in POC and puts claimant to proof thereof

ie

the defendnet is embarrassed in pleading to this poc as inter alia

poc disclose no legal cause of action

not particularised and do not comply with cpr part 16

poc vague do not disclose adequate statement of facts method of calculating sums etc

No written agreement enclosed on which basis these proceedings brought

no copy of default notice

no copy of formal demand

copy of evidnece of both scope and nature of default

I also pointed out on 22 2 07 iI asked for under section 76 of cca 74 copy of agreement sending my pound receievd nothing . I also said I wrote 1 6 07 . I drew courts attention to fact claimant in default of its obligations under s781 of cca and has no right of atcion until their default by not supplying what i asked for is remedied .

I also asked for default notice copy under s87 1 of cca 74

I havent put in that any default would be invalid as it would include "penalty charges " that i havent claimed at all yet should I start a claim for this what do you think ?

I have suggested to court they consider strike out claim under cpr part 16 if not suggested court asks for full disclosure

I havent put everything I put in down but have shortened it to put main points so how Im doing ?

Regards Gaz

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Looks good - just need to confirm that the Court is on the same page as you are, and not being sucked in to their games, tomorrow morning.

Incidentally, I think the time to counterclaim may have passed as you should have done that with your Defence under CPR Part 20;

Quote
20.4 (1)A defendant may make a counterclaim against a claimant by filing particulars of the counterclaim.

(2)A defendant may make a counterclaim against a claimant –

(a)without the court's permission if he files it with his defence; or

(b)at any other time with the court's permission.

I suppose you could ask for permission based on the fact you can't counterclaim when entering a Defence because of the lack of information from the Claimant!

 

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Thanks I couldnt do anything really without their information but i could start a claim agaisnt them seperate to this re overlimit and other charges though Im hoping they wont as they havent before come with agreement . Should i also do something about default they have entered and info passed to credit agencies etc ? Regards Gaz

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Starting a seperate claim at this stage is dodgy, as the Court could consolidate the claims together and hear them both at once.

 

A counterclaim would have been the time to claim against them, for charges and Default removal, but there's nothing stopping you applying for permission later on once they've either provided the documentation you need or failed to do that at all.

 

Just IMHO, of course, as it's your case so it's your call...

 

At the moment, there's no detriment to you to wait to see if they continue to pursue the claim then react at a later date.

 

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Hiya Gaz

 

Have now subscribed to your thread and will watch what happens with interest.

 

As Chris states we are in the same boat in that I received the same letter as you despite filing my Holding Defence and it being received by the court AND served on the Solicitors :mad: I actually spoke to the Solicitors on Friday and they said they hadn't received it from me OR the Court but I don't believe them quite frankly!

 

I will be on the phone to court tomorrow morning!

 

Here's a link to my thread :

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/81224-spiritgirl-various-dcas-28.html

 

Have a read, at least you know you're not alone and the Solicitors are trying it on with me as well the cheeky bar stewards!

 

Good luck!

Love SG x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

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Just a quick reminder, you probably put in your holding defence that you reserve the right to file an updated defence when the bank complies with your CPR request. Well, when you put in an updated defence that's the time to put in the counterclaim as by then you'll have all the information you need.

That's how I did it and the court were quite happy with that.

Regards

nicklea

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  • 1 year later...

I asked for copy of agrements for debts link pursuing they have come back with for Lloyds credit card

"we are unable to supply copy of agrements however Financial Ombudsman says its not unreasonable to continue reporting a default if its accurate reflection of how account has been paid " They say Information Commissioners Office have said that if a default on credit file accurately reflects the payments on the account then data protection complied with . They also state that the Information Commissioner said " the failure of a creditor to produce a copy fo the signed credit agreement is not on its own evidence that the debt does not exist or that it is not enforceable and shoudl not thereofre appear on credit file . If the credit grantor can supply some other evidence to contradict this then it is proper for the debt to be recorded on yoru credit reference file .

Therefore Link say if an agreement is not enforceable and should not be deleted from my credit file " The payments I made they say are proof an agreement exists . Please fill in personal planner and agree a repayment plan .

My comments are am i right , if they have no agreement they shouldnt pass info onto 3rd parties as they have no authority to do so , if they have no agreement then debt is unenforceable , i may have a claim for damages to my credit for loading a default at credit agencies and as they have no agreement i dont need to agree to payment plan comments please regards Gaz

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  • 2 years later...

Hi all

Advice please

Solicitors had card claim stayed in 2008 as they couldnt produce copy agreement and default notice etc now they have issued application asking for stay to be removed and summary judgment on grounds " have no prospect of defending "

They admit they dont have original agreement no default notice copy of demand etc but say due to Cary case not needed and regurgitated copy is suitable for judgment against me and they have computer print showing letters went out etc . They also list 3 account numbers saying account changed due to loss of cards etc ( i have no recollection of this )

Whilst I know certified copies of original are okay for s78 requests I didnt think this was okay for proof etc otherwise anyone can make things up ie how do I know t & c were correct interest rate etc ?

 

Advice help etc welcome regards Gaz

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I might have at home on my small portable hard drive, trouble is I am away until Tuesday afternoon.

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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