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    • Under the consumer rights act 2015, if a defect manifests itself within 30 days and you have a right to return the vehicle for a full refund. If any defect manifests itself within the first six months of ownership then you have a right to return the vehicle for a full refund subject to the retailers right to carry out a repair. If the retailer declines to repair or if the repair fails then you have the right to return. The problem here is that you have to assert their right. It's a bit ridiculous – but you have to do let them know preferably in writing that you are asserting your rights under the consumer rights act either the 30 day right or the six month right. I suppose that you haven't done this – which would be quite understandable because most people don't know that these rights exist and that they are subject to these conditions – the condition that the right must be inserted. It is frankly ridiculous. The dealers know it and we have lots of instances of this company delaying appointments et cetera and our strong suspicion is that they are simply trying to run their customers out of time. On the basis that you haven't asserted your rights, we now have to look to ordinary contract law. You are entitled to purchase a vehicle which is of satisfactory condition and which remains that way for a reasonable period of time. Clearly it is in satisfactory. They are blaming you. Has your independent inspection identified the reason for the defect? This will be important because as you have seen BMW are already saying it is down to your driving and you are going to have to produce evidence that it wasn't down to your driving and the you drove it absolutely reasonably and it was simply the condition of the car. Have you been without the car for any period of time. Is it driveable now? If the car was off the road for a substantial amount of time and was still off the road then you would be able to argue that this is a fundamental breach of contract and that you have been deprived of substantially the whole benefit of the contract and therefore you will be entitled to treat the contract as breached by Big Motoring World and insist on cancelling the contract. It may be that you will eventually be obliged to keep the car but have the repairs paid for. Have you had any quotations for the work that needs doing? I asked you questions about the MOT – but you haven't responded.
    • A 'violent left wing mob', comprised of a chap in a red hoody with a damp polystyrene coffee cup and a bit of wet cement, gets nowhere near cowering frightened farage some distance away on top of his double decker bus .. as farages security and support seem to film the incident grinning     Farage bravely flinches, grimaces and seems to almost burst into tears as the 'objects managed to travel a part of the way toward his position on top of his bus. His reactions honed by having a bit of milk splash him at a prior incident allow him to swiftly fall into a protective cower and grimace .. .. Sometime after, once the mob of 1 had been safely bundled away, farage apparently wipes his eyes of tears, and rising from his cowed and frightened pose, bravely shouts “I will not be bullied or cowed by a violent left-wing mob who hate our country.” .. however few they may comprise of.   https://www.independent.co.uk/news/uk/crime/nigel-farage-cement-barnsley-reform-uk-b2560501.html  
    • According to Parkopedia parking is limited to two hours.  I don't know how accurate this is though. What were you doing there for four hours?
    • no its friday 21st by 4pm if you'd done it properly and read the sticky in post 2 it clearly says: ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total)  if your defence filing date falls on a W/End, you must file by friday @4PM  
    • Have had a read up just to double check last day to file defence is 24 June (claim form date is 22 May)
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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.

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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Discharge of Bankruptcy - How Much!!!


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Just want to know if others think I'm getting ripped off or delt with unfairly and if there is anything I can do?

 

Myself and my wife were declared bankrupt in 1993. Until 2001 heard nothing about it until I attempted to re-mortgage my house and found I could not due to a charge being against from the Official Receiver (OR). I call the OR and offered to pay the debt from the re-mortgage if they could agree and was told that our details would have to be passed to a trustee (Tenon Recovery). When I found out the trustee appointed, they stated that the wanted to resolve this a quickly as possible (this was in August 2003).

 

2 years went by with me continuing to contact them and them being vague and non commital re: possible costs etc.

 

Received a statement of bankruptcy in August 2005 requesting £45,000. Set up re-mortgage and requested final statement from Tenons solicitors (Hammonds). This then quoted £52,000. Questioned this and they have stalled up until end March 06, when they stated 2 figures of either buying out the trustees interest in our home or for a complete annullment. Just got statement through today with one figure of £55,601 and a threat that if this is not completed by 18th April they will commence repossession action for my house!!!

 

The breakdown is as follows:

 

Creditors: £11,973.

Interest: £11,814

DTI fee on sum of £55,601: £8,340.

Trustee Solicitors: £5,875.

Trustee Disbursements: £294.

Trustee Remuneration: £14,982.

Costs to petition creditors: £1,376.

OR fees: £933.

 

I have a mortgage in place ready to go with to cover this but will leave nothing. They know that their total is just short of what my re-mortgage will generate.

 

Is there nothing that can be done to sort these people out??

 

a very annoyed sunseeker.

Smile: £2,522 full payment received,

Citi Cards: £693.71 balance written off. Full value of Court claim,

West Brom Building Society: DPA request sent 15.05.06,

Capital 1: £220 claimed LBA sent 15.05.06.

Barclaycard: DPA request sent 16.05.06

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I am afraid that this area is beyond the scope of my experience.

My only immediate comments are:-

I thought that bankruptcy was meant to end all liabilites. It makes me think that the charge went onto your property before the bankruptcy - or maybe as part of the bankruptcy.

 

Secondly, other than the charge, the lmit for the recovery of any debts is 6 years.

 

I think that you should go and get proper qualified advice.

 

However, I would be interested to know what lead to the original indebtedness? This could be relevant in reducing your original liablity

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Hi Bankfodder,

 

Debt was originally to HM Customs & Excise with a few smaller debts added to. The charge to the property was put on by the initial trustee for the OR. However, we then heard nothing for years from anyone as we had close to negative equity at the time.

 

When we applied for Home Improvement Loan to Building Society they stated that there was no charge on the property and this only came to light when our solicitor had to contact the Land registery.

 

My main concern with this is that the Trustee and their solicitors are just putting numbers on a page for their costs and remuneration with no justification behind them to show what they have done to earn these. Haw can they rack up over £20,000 of costs etc when original debt only £11,000. They bear no relation at all, unless these guys charge £500 per hour!

 

Am meeting with our solicitor on Monday for hopefully a voice conference with Hammonds, then off to see MP on Thursday. However, our solicitor is not a insolvency practitioner and when we went to see one approx 2 years ago, they said their costs could be up to £2,000.

Smile: £2,522 full payment received,

Citi Cards: £693.71 balance written off. Full value of Court claim,

West Brom Building Society: DPA request sent 15.05.06,

Capital 1: £220 claimed LBA sent 15.05.06.

Barclaycard: DPA request sent 16.05.06

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I am afraid that this area is beyond the scope of my experience.

My only immediate comments are:-

I thought that bankruptcy was meant to end all liabilites. It makes me think that the charge went onto your property before the bankruptcy - or maybe as part of the bankruptcy.

 

Secondly, other than the charge, the lmit for the recovery of any debts is 6 years.

 

I think that you should go and get proper qualified advice.

 

However, I would be interested to know what lead to the original indebtedness? This could be relevant in reducing your original liablity

 

I don't know too much about this either but I do know that it would not normally be possible to make this sort of claim for a recent bankruptcy. However, I did read something that suggested that this could happen in respect of old bankruptcies and I'm sure I read about exactly the same thing heppaning to someone else. Sorry that this isn't much help but there is a legal trap here that unfortunately some people fall into.

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  • 5 months later...

It is not the discharge of bankruptcy that is expensive (£60 discharge form from the court) it is the trustee in bankruptcy who will rip you off. If you own a house, he will claim the full equity of the property is invested in him and will go to court for repossession and eviction. The total cost of the bankruptcy will cost approximately 3 times more than the original figure. You end up paying approximately £15000 to the trustee in his fees, (he can charge what he likes) and normally has a friendly solicitor who will charge top dollar for the legal work. The Department of Trade and Industry will charge a fee and the statutory interest rate accrued is quite high. Bankruptycy does mean a fresh start, but with nothing. No money, no credit, no self respect, and many a person has committed suicide because of the hounding from the legal system. The fat cat lawyers and insolvency practitioners have got the cream from peoples misery.

Any further information you require, do not hesitate to ask. I have been through this system myself.

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  • 5 months later...

Hi

We are in exactly the same position as you. With Tenon Recovery, now waiting to go to court in April. They are demanding repossesion of our home, the original debt was now where new the amount they will eventually take from them selling our house.

How did you get on ? Would be very interested to hear.

Regards Jumalu

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  • 4 months later...

We originally owed around £70k due to a failed business. We paid over £12k to the insolvency practitioners, Findlay James. They then forced us to sell our house and have taken all the equity - over £115,000 to pay their fees and Secretary of State fees!! There appears to be nothing we can do about it - it's sickening. We were thinking of suing the Citizens Advice Bureau who told us we had no choice but to go bankrupt for giving bad advice - any other suggestions?

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  • 11 years later...

This topic was closed on 03/08/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Smile: £2,522 full payment received,

Citi Cards: £693.71 balance written off. Full value of Court claim,

West Brom Building Society: DPA request sent 15.05.06,

Capital 1: £220 claimed LBA sent 15.05.06.

Barclaycard: DPA request sent 16.05.06

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