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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
      • 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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help and advice needed!!


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I wouldn't respond if I were you - you've given them enough information to work on.

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I have taken the letter to the Court, when I got home from work I have yet another letter from Swift (attached). I had asked them to change my payment date to the 1st of the month, thwy are now charging me £120.26 in interest to do this! I did it to avoid the £64 late payment charge they put on every month! I despair!!!

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Unbelievable !

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panicking like mad now.....not heard anything from Swift so I assume they are going ahead with the court hearing tomorrow! I am fearing the worst and can't face going to the court, it was bad enough dropping that letter off! I was almost in tears!

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ccrl14 Try not to panic - I'm sure Ell-enn will be on later. You are going to the court hearing aren't you? Always best - take a friend or family member for support. It's not as scary as you imagine. I'm sure the judge will be sympathetic in your case. I don't know what Ell-enn advises re charges. I can't believe you won't get a suspended possession order - I wonder if you can ask for Swift's litigation charges to be waived because you are in financial hardship and it is those charges together with the interest that will accumulate which are the killers. I believe Swift like to get to court because of the profit they make from the resulting costs. If the charges aren't waived perhaps the judge would consider waiving the interest on them at least??? Be brave x

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Hi there, I will catch up with you later when I get home from work. It is vitally important that you attend the hearing otherwise there is the likelihood that the judge will give possession to Swift. As SJ says above, it's not as scary as you think.

 

I'll be back shortly.........

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I'm absolutely petrified and will be in tears, get no sense out of me.I'm in tears now! I havent told anyone about this so cant take anyone with me. What would happen if I really couldnt go????

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Please try to stay focussed - the court isn't like those you see on TV - the hearing is conducted in the judge's chambers usually around a table just like a meeting. Normally there is only you, the judge and a representative for the other side. It is vitally important you attent - the hearing will only take around 5 minutes and as you have shown you are able to make payments going forward the judge won't take your home away from you.

 

I know you will be stressed and frightened, but the judge will know that and they are usually very good with those attending on their own. |Make sure you get to the court in plenty of time and ask if there are any duty legal advisors in attendance (most courts have them on repossession hearing days), if there are approach them and ask for their help, they can accompany you into the hearing and support your case.

 

Please try to be strong - it will all be over quickly and you will still have your home, but I cannot stress enough how important it is that you attend.

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ccrl14 where abouts in the country are you? I wonder if any other Swifties could go along with you for moral support? We'll certainly all be with you in spirit. Imagine we're all giving you a big hug and we're there to catch you if you fall. x

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Ell-enn is the best Cag's got on these things, sweetjane has given some good advice too, I've been to court with these people and you must do as both Ell-enn and Sweetjane says and not be afraid of this meeting. That's all this is - a meeting and with the figures and paperwork Ell-enn has given you Swift will probably get a suspended order which means they win the case but you keep your home as long as you can pay something towards the arrears. There are case laws which state that you can have the arrears spread over the term of the loan.

 

It's late now, but even if worst case scenario the judge gives possession and you lose your home you can ask for an appeal and then we can all get to work on helping you save this situation.

 

Your day in court might be theworst thing to live through in your own mind, but there's a much bigger operation going on behind the scenes to stop Swift altogether so you are not alone and those others who have already been repossessed can sit back in the knowledge that their loss may not turn into the loss they thought. Can't say much more, but as they have said - be brave, see the day out and come back here for the next chapter no matter what the result is.

 

We are all thinkng of you.

 

spot

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Hi there, try to stay positive - I know you're scared (everyone who has been in your position has felt the same), but they will all tell you that it's no-where near as bad as you think. Just try to focus on how good it will feel when you leave the court knowing your home is safe. Judges in these cases are usually very understanding and as I said in a previous post, make sure you get to the court in plenty of time to ask if there are any duty legal advisors who could assist you. When you get into the hearing try to remember that everyone here is with you and are confident of your success :)

 

It will be OK - so please come back and let us know the good news :)

 

Will be thinking about you.

 

(I've sent you a private message)

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OK, the court you are going to has an advisor there this morning - there will be a court usher at the entrance to the court who will ask for your name, tell this usher that you need to speak to the advisor and they will point you in the right direction. Also, ensure you take along the copy statement you handed in to the court.

 

Chin up - it'll soon be over :)

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Did you phone the court and explain ?

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What did you say in the email ? Did you quote your case number, name etc?

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ccrl14 - I know Ell-enn is helping you immediately with the court situation. I think you also need some local support. Debt is nothing to be ashamed about - you will be suprised just how many people you know currently have or have had similar issues in the past. Talking about this can be a huge step. It will certainly be a great burden lifted. You've made the first step by sharing your problems here and you can see how many people care and are trying to help. Believe me nothing you have done will suprise or horrify anyone here and friends and family would hate to think of you going through this alone, I'm sure. I've been there helping a family member who finally broke down with me when she was in a similar emotional state to you. It was really tough at the beginning but we've helped turn their situation around - it was much much worse than yours. Try and think of yourself going forward. You will be OK. xxx

 

The following organisations will also help on the phone (no particular order).

http://www.capdebthelp.org

www.cccs.co.uk

www.adviceguide.org.uk

Community Legal Advice service (0845 345 4345),

 

 

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Just rang the courts......Possession order granted but suspended for 28 days on provisal of current monthly installment plus £25 towards arrears of £1291.64, she sending me a copy out. My emails hadn't been put on file but she said she will put it back up to the judge. I don't quite understand, isnt that what I asked them for in the first place? Does that mean if after next months payment they can go back to court??

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sent an email to OFT, here's there reply:

Consumer Credit Act 1974 (the Act)

Complaint Against: Swift Advances Plc

Licence No: 391618

I refer to your email on 1 August 2012 sent to Sam Bragg concerning your complaint about Swift Advances Plc (Swift Advances). Your complaint concerns an agreement you entered into for a second charge loan with Swift Advances.

As you may be aware, the Office of Fair Trading (OFT) has responsibility for the enforcement of the Consumer Credit Act 1974 (the Act) which regulates secured lending including second charge mortgages.

Under the Act, in order to engage in certain consumer credit activities, including lending, businesses must hold a consumer credit licence; this is issued by the OFT. Swift Advances is licensed under the Act. In order to hold a credit licence, a business must satisfy the OFT that it is fit and competent to do so. This includes ensuring compliance with all relevant consumer protection legislation.

You have complained that they have sent court papers for repossession of your house and that got into arrears on a second loan you took with them because they did not ask you proof of income when you took the loan and it is impossible for you to pay off the arrears with the amount of interest and charges they are adding on the loan.

We are grateful to you for bringing your concerns to our attention. We have noted the details of your complaint, and we will consider this alongside any other complaints we may receive on this issue. If we did decide to take any action against this trader we may need to contact you again in the future. Unfortunately, we cannot disclose any details about any action we may take, due to legal restrictions on the OFT relating to disclosure of information.

While we are sorry to hear about the problems you have experienced, I should make clear that our remit does not permit us to intervene on behalf of individuals to resolve complaints.

The Financial Ombudsman Service (FOS) can help with most complaints about consumer credit products and services if the consumer has failed to satisfactorily resolve the matter directly with the consumer credit licensee itself. If you have not already done so, we suggest you raise your individual dispute with FOS at the following address: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR; 0845 080 1800; or www.financial-ombudsman.org.uk.

Thank you again for writing to us and bringing this matter to our attention.

Yours sincerely

Olushola Egbowon

Enquiries and Reporting Centre

Office of Fair Trading

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Just rang the courts......Possession order granted but suspended for 28 days on provisal of current monthly installment plus £25 towards arrears of £1291.64, she sending me a copy out. My emails hadn't been put on file but she said she will put it back up to the judge. I don't quite understand, isnt that what I asked them for in the first place? Does that mean if after next months payment they can go back to court??

 

Not having seen the actual order from the court - it looks like possession has been ordered but will not be enforced provided you maintain the normal monthly installment plus £25.00 towards the arrears. If you miss just one payment Swift can apply for an eviction warrant.

 

It's no surprise that your emails weren't put in the file for the hearing - that's why I said you should have rung the court to see if they had been received. They probably didn't read the emails until after the judge had started that morning's hearings.

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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 have emailed Swift asking about the SAR request that they have cashed cheque for but not recieved an acknowledgement of it, they sent this email back......I havent recieved a thing!

We write further to your e-mail dated 7th August 2012, regarding a subject access request.

 

Please be advised that Swift has previously responded to your request. A further copy of our response will be posted to you today.

 

Yours sincerely

 

Alan Loblack

Complaints Officer

Swift Group

Arcadia House

Warley Hill Business Park

The Drive

Brentwood

Essex CM13 3BE

Internal: 5003

External: 01277 359 570

E-Mail: Alan.Loblack@swift.co.uk

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