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    • Yes typed it, how would I input it any other way, probably timed out took over half hour. H
    • You typed it in? actually typed it all out? if so, maybe you took too long or something, like session timed out. Does the status show defence filed or no change?
    • 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.  
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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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They asked for additional time which I allowed and was granted the due date was then for today I haven't recieved anything what's the process now? Do I complain ?

 

Many thanks

Edited by noname84
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You must let the court know. Have you contacted the other side ?

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As long as both the court and the respondent are ok with accepting emails then yes, I see no harm in that :)

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi all further to my first post I've changed the title a bit had had developments. I emailed both the ET and respondents legal to say I've not had my bundle by due date. They replied to me only and apologised and blamed the amount of paperwork which I sent they go on to say half of this is not relevant to the claim in there opioion and therefore what been sent in which is the same as them they are producing a bundle called "core" then all my other stuff they don't feel Is relevant they are putting into a 2nd bundle. Is this right? Surely it's up to the judge/ET to decide if the paperwork is relevant or not the letter also goes on to say I've agreed to this I have not I do not know what paperwork they have decided is relevant or not I'm very confused, any advice ?

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It is usual to agree to the content of the bundles prior to the hearing.

 

TBH, I am not sure whether they can simply decide to leave stuff out if you havent agreed to anything.

 

I will try and find some further advice on this for you.

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Uploading documents to CAG ** Instructions **

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Have flagged the question for site team. However,

 

You might want to confirm with the respondent that BOTH bundles will be filed with the Court/ET as well as being provided to you.

 

Ask them also, to provide any proof of your agreeing to this decision.

 

You also require a list of the items they are appearing to unilaterally be leaving out of the main working bundle.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi non

 

If you and the Respondent can't agree on what documents should be included in the main 'bundle', what 'The Chairman' of the Tribunal would probably say is exactly what they are doing, having a separate 'bundle'. What you could do is contact the 'Respondent' tell them you want the disputed documents in the main 'bundle', but at the back, sectioned off. It could be a tactic on their part, it makes it easier for them to defend the case.

 

If your not receiving documents in time, complain to 'The Chairman' of Tribunals straight away, infact complain about

their conduct if they aren't co-operating.

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I've had rather a crapy email from the respondents solicitor this evening they always send in the evening! Telling me the done thing is not to include the ET into correspondence and has stated"reserve our position in relation to your conduct." I'm slighty annoned as this all came about by me emailing the ET and respondents solicitors at the same time about being late in sending my bundle and challenging the above as previously mentioned. Is this scare tactics or is this correct?

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Hi non

 

It's just poor, keep a diary of deadlines, everytime they fail to meet the dealine, send a summary to the Tribunal. It's their 'conduct' that they need to watch.

 

I've had rather a crapy email from the respondents solicitor this evening they always send in the evening! Telling me the done thing is not to include the ET into correspondence and has stated"reserve our position in relation to your conduct." I'm slighty annoned as this all came about by me emailing the ET and respondents solicitors at the same time about being late in sending my bundle and challenging the above as previously mentioned. Is this scare tactics or is this correct?
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I'm fighting my ET claim myself I'm getting various emails from the other side which ate not nice I'm stressing about the bundles and what they are going to say I'm worried about how I start and write my witness statement let alone the court hearing itself I am alone fighting this, and it's been ongoing now for nearly 18 months all in all. I know deep down I did no wrong and was unfairly treated but what if I carnt prove it and dont win I'm putting myself through so much stress and heartache to gain notthing other then a possable charge for costs agaisnt me i just dont no if I'm strong enough to continue !

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I'm fighting my ET claim myself I'm getting various emails from the other side which ate not nice I'm stressing about the bundles and what they are going to say I'm worried about how I start and write my witness statement let alone the court hearing itself I am alone fighting this, and it's been ongoing now for nearly 18 months all in all. I know deep down I did no wrong and was unfairly treated but what if I carnt prove it and dont win I'm putting myself through so much stress and heartache to gain notthing other then a possable charge for costs agaisnt me i just dont no if I'm strong enough to continue !

The stuff about costs tends to be an empty threat. Provided you have complied with all the Tribunal orders you will not be liable for costs. If your case was really weak, you would probably have been asked to pay a deposit.

 

As for the witness statement, try to remember that it is evidence and anything that is not disputed by the other side is accepted as truth.

 

Put in everyithing that happened in chronological order and try not to leave anything important out. Start off with the Background and then get into the events and the claim.

 

Remember it must be fact and not opinion, leave that for the Tribunal.

 

I wrote "War and Peace" but it was double spaced with a big margin and it took only about 50 minutes to read. The other side came up with glib denials but my statement was better as I explained the particulars of the work and other stuff that saved my solicitor and the Tribunal the fag of explaining or requesting factual information.

 

Get it started. Start at the start and go on until the end and put a reference to the evidence in the bundle after every point. It is a long and distasteful job but, even if you were not representing yourself, you are the best person to write your statement as you are the only one who understands.

 

I felt pretty bad before going to the Tribunal but it was great to get it over and done with. I think it is better to go through with it now that you have come this far. It is an act of faith in yourself and while I hope you win, it won't matter all that much if you don't. You will still be the same person and you can hold your head up because you refused to be walked over.

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Excellent explanation of the procedure Browncow. I did the wife's and it wasn't as bad as I thought it would be. She won.

 

I am really glad tht you won. Family support is all important at these times and my family attended every day for 4 days. The employer tried to stop union rep coming but he gave evidence anyway.

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We never got as far as the full tribunal. Sat in front of a judge as her ex - employers contested that the claim hadn't been made timeously. They had their dates mixed up and letters with dates missing and I was able to tell the judge what should be where. Think he was impressed with me but he took the **** out of the firm I can't mention but haven't bought a biscuit of theirs since Mrs Soap left! Company must have ealised that they were on a hiding to nowt and ACAS rang the following morning with an offer. After a "me and her discussion" she rang back and told ACAS to get them to double the offer which they did; wife accepted.

 

As you say Browncow, it really pays to get things in chronological order and spaced out.

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If you have received a Witness statement from them, then you can go through their points and rebut them as well.

 

I have attached some guidance notes for Witness statements below for you.. If you have any queries, just shout :)

 

Guidance Notes on Witness Statements.pdf

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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lovely thank you for that, I havent even brought myself to read the bundle! but i have a bit of time so i am going to give myself some time "off" and then crack on in a couple of weeks. it just feels never ending.

but thank you so much for the links and attachements etc it will be a massive help for me.

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I would suggest getting into it as soon as possible, even if just making bullet points, with mine I have tended to sit in the garden with a cup of tea, enjoy the sun (when there has been some!) and write it out, I'm on version 15 of my statement, and my hearing is in August.

I really would stress that your statement is the be-all-and-end-all, it is the alpha and the omega, it is so important that your statement covers everything you want to get across. And delaying starting writing it could be a mistake.

 

Once you have written it i would have a trusted friend, one that says what they think, go into your statement and ask you every question that they can think of, so it prepares you for cross-examination and even make you adjust your statement so it answers some of these questions.

 

Good luck :)

I am not a legal professional or adviser, I am however a Law Student and very well versed areas of Employment Law. Anything I write here is purely from my own experiences! If I help, then click the star to add to my reputation :)

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hi all,Thank you for your support so far, but I am finding it very difficult to get this statement written in the correct way or even started! I am even finding it hard to read the bundle its two huge folders full of paperwork and I just don’t want to relive this nightmare, I really want this done and dusted without the stress. Can I find employment tribunal representation to write this for me and help complete, I guess if I paid solicitor then the amount of time this would take would end up costing me a fortune. But I just do not want to get stressed out and depressed by this and I already feel like I’m going down that road - this has been with me for 18months already.

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I would ignore the bundle for now.

 

Just write down in a chronological order exactly what happened, then beef it out with details, dates and times, insert bits that come to mind later on. At the end then go through the bundle and find evidence to support your claims and go back tot he statement and put int he referrals.

I am not a legal professional or adviser, I am however a Law Student and very well versed areas of Employment Law. Anything I write here is purely from my own experiences! If I help, then click the star to add to my reputation :)

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