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    • Good evening, My husband and I are looking for some help regarding a faulty car which we have recently purchased from Big Motoring World Enfield. The details are as follows: - Make - Nissan Qashqai 2017 1.2L milage 55,349 miles.  Date purchased -   01/06/2024 Price paid - Deposit £9000, finance £4794 (this includes the 3yr Nissan extended warranty), buyers fee £249.      Total including all fees etc = £ 13794.        Initially, during the test drive, there was no problem with the car at all and this is why my husband bought the car on the day. No problems on the way home from the dealership and up to three days after purchase, the car drove smoothly. However, after day 4, occasionally we would feel a slight shudder during some gear changes (automatic car). Over the next few days these shudders worsened and then on day 5 the car would make very a very loud shudder with every single gear change. It was at this point we contacted Big Motoring World for advice as we are still under the 14 days no questions asked return.  My husband contacted BMW for advice on 06/06/2024 and stated the problems as above. He spoke to a sales person who informed him that he should only take the car to a Nissan dealership (we have now been told that this is false information). We were also promised that a courtesy car would be provided for us after the fault on the car had been identified and confirmed by their mechanic fixing the car. We took the car to the garage that Big Motoring World had told us to go. Upon arrival there we discovered it was a third-party garage, not Nissan. We took the car to the garage on day 9. The mechanic ran a diagnostic test which found no faults, but after the test drove the car and below are his findings...   we scan the car but no faults with the gearbox showing but when I test drove the car it was really juddering and jumping.I spoke to my auto transmission specialist and he said they are very common on these as the CVT belt starts jumping within the box due to pressure loss.  We had this vehicle in for diagnostics for gearbox mate but both the gearbox and battery are faulty.Gearbox supplied and fitted comes to £3500 plus vat   Where we are at now…. My husband spent all of day 10 (11/06/2024) making phone calls between the garage, Warranties2000 and Big Motoring World. He tried, unsuccessfully to find out if the diagnostic reports had been shared between all three. Everyone kept saying the report hadn’t been received and yet the garage assured us it had been sent. Eventually we were told that the courtesy car would be given to us if it was deemed the works to fix the car would take longer than 8 working hours, and that decision would be made after 48hours of receiving the report. Today is day 11 and no decision has been made as nobody is telling us any decisions as people are off sick or on holiday! Today we called the garage and told the mechanic NOT to start any work as we will be returning the car. He said none have been started and we have left the car in his storage as he has deemed the car undrivable. I have sent an email to BMW now formally stating that we want to return the car and I have used the terminology that was suggested.   What can we do next?   Thank you everyone. .  
    • Yes will do thanks Dave, I wonder what will happen at the preliminary hearing no idea what they will ask I assumed once I sent the proof they asked for about my sons condition that I would have just  been given the go ahead to be Litigation friend
    • First the judge will rule on you representing your son, which will be a doddle. After that the full hearing date will be fixed, with WSs exchanged 14 days before. So for the moment just concentrate on getting the right to represent your son.  
    • Thank you, the mediations in a couple of days so hopefully they show up this time. I'll update this thread after how it goes
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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 
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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.
      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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Cap1 & CCA return


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sorry to pop in here, Peter, can you answer this - I have to take a change of Particulars form into court, N244, because GE Money (written without the word servicing)have said they do not exist, but are GE Money Servicing ltd, who administer ac for IGroup (formerly ocwen), my payments appear on my bank statements as going to GE Money Servicing ltd so it is them surely that I am claiming the unfair charges back from?

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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Sorry!

I had to take the dog's out, cook dinner etc. and I have only just had time to look at the doc., that you have typed out-

 

 

Hi AC. Sorry but I had an unexpected trip to the sea-side yesterday:) I needed it!

 

The ticked boxes are dated 18-9-06. I was quite surprised that no one else commented too! I wasn't sent anything else by MBNA except the card, and I don't know what T&C's 4-16 are because I have only seen

1-3.

There are a few things that are bothering me though-

1) I only applied online, I didn't agree

2) This is obviously an online printout as it refers to links

3) They could've put anyone's name on the top of this thing! How is a ticked box proof that I've applied and/or agreed to anything?

 

So basically what's there to stop MBNA putting YOUR name on one of these things? A couple of ticked boxes and you owe them £xxxx, whatever they decide? They must still need some kind of proof that I applied and agreed mustn't they?

Hi

They would say that you were sent cancellation details as per the dma or secton 62 via post or e-mail and you didn't cancell if they didn't you have a case under section 127(4) for unenforceability.

 

Regards

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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sorry to pop in here, Peter, can you answer this - I have to take a change of Particulars form into court, N244, because GE Money (written without the word servicing)have said they do not exist, but are GE Money Servicing ltd, who administer ac for IGroup (formerly ocwen), my payments appear on my bank statements as going to GE Money Servicing ltd so it is them surely that I am claiming the unfair charges back from?

HI

Ther are far better people on here to advise you on bank charges but in my opinion yes it would be GE money servicing your are claiming made the unfair charges on your account and therfore are chasing for a refund.

Regards

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Hi peter thanks. If that's the case, who's responsibility is it? Theirs to prove they posted me it, or mine to prove I never got anything but the card?

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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Hi peter thanks. If that's the case, who's responsibility is it? Theirs to prove they posted me it, or mine to prove I never got anything but the card?

 

You can't prove a negative monopoly23.

Please note: I give advice, in good faith, based on my reading and experience. Please satisfy yourself, that any advice given is accurate in content before acting upon it.

A to Z index

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html

 

...........................................................................

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Hi peter thanks. If that's the case, who's responsibility is it? Theirs to prove they posted me it, or mine to prove I never got anything but the card?

HI

The cancellation details may have been included with the Tand C's when the card was sent if not.

The burden of proof is always on them but if you have used the card a judge may say if you didn't wan't it why did you use it.

If you are saying that the sent you an unrequested card than they have commited an offence under section 51 of theACT.

 

Regards

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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sorry to pop in here, Peter, can you answer this - I have to take a change of Particulars form into court, N244, because GE Money (written without the word servicing)have said they do not exist, but are GE Money Servicing ltd, who administer ac for IGroup (formerly ocwen), my payments appear on my bank statements as going to GE Money Servicing ltd so it is them surely that I am claiming the unfair charges back from?

HI M

 

Coincidentlly i just opened my mail and there was a mail shot from GE Money asking me if i want a loan.Slippery b****rs arnt they the number is 0800 072 4981 perhaps you ought to ring them and tell them they don't exist.;)

 

Regards

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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HI

Ther are far better people on here to advise you on bank charges but in my opinion yes it would be GE money servicing your are claiming made the unfair charges on your account and therfore are chasing for a refund.

Regards

Peter

thanks, I thought it had to be them, how silly it is, they say they have no contract with me!

 

you are right there are some excellent minds on this thread!

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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HI

Ther are far better people on here to advise you on bank charges but in my opinion yes it would be GE money servicing your are claiming made the unfair charges on your account and therfore are chasing for a refund.

Regards

Peter

 

If this helps the registered address for

GE Capitol Bank Limited is:-

6 Agar Street

London WC2N 4HR

 

FSA # 204572

 

GE Money

Malvern House

Croxley Business Park

Watford

Herts

WD18 8YF

 

FSA# 304175

 

Love AC

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Received a CCA reply from 1st Credit/MBNA enclosing a single side A4 sheet. All unreadable apart from hand filled in info. Also what appears to be a label with my name and old address typed on.

 

I've blurred personal details.

 

Picture002-1.jpg

 

LOL

 

:D

 

And what, exactly, do they think that is supposed to be

 

IMHO, bu**er all chance of a court enforcing that one

 

:cool:

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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What is the agreement meant to be for, it states visa?

Looks like a loan application?

or is it a cc application form?

 

The doc. is almost illegible, is that just due to your copy, or is this how it was sent to you.

 

Perhaps, you could scan or ,shoot a pic of the doc. and then photobucket it, therby obtain a clearer image.

 

AC

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Guest Battleaxe

Looks more like an Application to me and they will have a hard time in court, but this is par for the course with MBNA, faxed copies of applications forms and completely illegible.

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What is the agreement meant to be for, it states visa?

Looks like a loan application?

or is it a cc application form?

 

The doc. is almost illegible, is that just due to your copy, or is this how it was sent to you.

 

Perhaps, you could scan or ,shoot a pic of the doc. and then photobucket it, therby obtain a clearer image.

 

AC

 

Hi AC,

 

It's a MBNA Visa Card account. The picture is a high res (10 megapixel) pic of the actual doc sent so what you see is what I got.

 

Like you said it's illegible.

 

What should I do now. Their 12 + 2 days are up and they are 10 days in to the 30.

 

Thanks

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Its up to what you want to achieve.

 

Stop paying the alleged debt off Get the alleged debt written off, make the alleged debt unenforceable, get all the interest back that you paid or just lie low in the knowledge they cant hassle you anymore.

 

I'm in the same situation. Havent been hassled since the 12 days expired. that was last November.

 

Ive now got up enough courage to try to get it all written off and get all payments made to them returned.

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After the 30 days what's the next step?

 

 

Hi,

 

 

You could go down the "reporting to OFT and Trading Standards" route!

 

Then you could write to 1st credit and tell them what a load of SH*** they have sent, now can you have a proper one!

 

 

Best wishes, Jeff.

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Under s.61 [1][c] that for the document to be properly executed it must be

readily legible.

I am unsure that by sending you a copy that is pretty illegible is grounds

for you to claim that they are now in default. Since were the document the

actual executed agreement, then they do have it in their possession-unlike

many other companies. So not to ask for a legible copy, which is your right,

may count against you when going for unenforceability.

That is just my opinion- I could be wrong. But it might be worth pointing out

to them that your copy is unintelligible and could they please send one that

you can understand.

Then, if they don't respond, or send another similar illegible copy, you have

stronger grounds to argue the case. Of course it may be that they only

have the application and are trying to disguise the fact.

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Its up to what you want to achieve.

 

Stop paying the alleged debt off Get the alleged debt written off, make the alleged debt unenforceable, get all the interest back that you paid or just lie low in the knowledge they cant hassle you anymore.

 

I'm in the same situation. Havent been hassled since the 12 days expired. that was last November.

 

Ive now got up enough courage to try to get it all written off and get all payments made to them returned.

 

 

I cca's MBNA theyve had their 12 working days and are 11 off offending.

 

If they do commit the offence, is it possible to get the balance wiped and the interest returned?

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Hiya guys - can you please have a look at my new thread, Mitzbag vs MBNA. This is for a friend of mine and his CCA request.

 

Another example of terrible CCAs

 

Please leave me some comms as I would like your expertise to pass onto my friend!

 

There's a little bit of an update about me too... arrrr

 

http://www.consumeractiongroup.co.uk/forum/general-debt/95689-mitzbag-mbna.html#post883866

 

 

Many thanks

 

Pudsters14 x x x

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I cca's MBNA theyve had their 12 working days and are 11 off offending.

If they do commit the offence, is it possible to get the balance wiped and the interest returned?

 

 

It probably depends on how you play it Wednesday.

Should they get as far as committing the offence, while you can threaten

to report them as a stick to beat them, if you want the debt written off, you

are probably better off not reporting them.

Get them to write to the debt off in exchange for not reporting them might

work if you word it right-ie don't make it look like blackmail. To a certain

extent it may depend on the size of your debt as to whether they would

consider a write off. Under £2500 and you should have chances.

Getting money back is more problematic, not to say very unlikely.

You will be saying on the one hand that you do not acknowledge the debt

and that it is unenforceable. On the other hand you are askiing for interest/

money back for a debt that you say they cannot prove exists.

You are trying to square the circle methinks.

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Under s.61 [1][c] that for the document to be properly executed it must be

readily legible.

I am unsure that by sending you a copy that is pretty illegible is grounds

for you to claim that they are now in default. Since were the document the

actual executed agreement, then they do have it in their possession-unlike

many other companies. So not to ask for a legible copy, which is your right,

may count against you when going for unenforceability.

That is just my opinion- I could be wrong. But it might be worth pointing out

to them that your copy is unintelligible and could they please send one that

you can understand.

Then, if they don't respond, or send another similar illegible copy, you have

stronger grounds to argue the case. Of course it may be that they only

have the application and are trying to disguise the fact.

 

 

LFI,

 

(Pleeease take this with the lighthearted edge that is intended :) )

 

I know you like playing devils advocate, but even with the extremely poor quality of thatd document, it is quite clear it is an application form and also lacking prescribed terms so they wouldnt have an ice cubes chance in hell of enforcing this

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Lookingforinfo my balance is around £3800, i am looking to wipe the debt, if and when the time comes.

 

I'm about to send a non compliance regarding the S.A.R - (Subject Access Request), when i receive the statements, im going to add up the charges and say, i alleged owe you x, you owe me y through illegal charges, you cant produce my agreement, so the debt is not enforcable, so if they wipe the rest and remove all the stuff from the cra, ill be happy. Obviously id be happy to turn the knife and receive a cheque too, but firstly is to get the account zero'd.

 

i was on the underdstanging that MBNa cant make a profit from an unenforcable debt? So if i added up all the spending and took away all the payments, could i not reclaim the difference as this would be their profit?

 

Its all on my thread

 

http://www.consumeractiongroup.co.uk/forum/mbna/84974-wednesday1867-mbna.html

 

Cheers for the info and any reply to my thread :)

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Under s.61 [1][c] that for the document to be properly executed it must be

readily legible.

I am unsure that by sending you a copy that is pretty illegible is grounds

for you to claim that they are now in default. Since were the document the

actual executed agreement, then they do have it in their possession-unlike

many other companies. So not to ask for a legible copy, which is your right,

may count against you when going for unenforceability.

That is just my opinion- I could be wrong. But it might be worth pointing out

to them that your copy is unintelligible and could they please send one that

you can understand.

Then, if they don't respond, or send another similar illegible copy, you have

stronger grounds to argue the case. Of course it may be that they only

have the application and are trying to disguise the fact.

 

With respect haven't I already fulfilled my part of the CCA 1974 by requesting a 'true executed copy' and paying the statutory fee.

 

Their duty is to supply a legible true copy which they have clearly failed to do and so are in default.

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Thanks

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