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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
        • Like

chezt v's Littlewoods Catalogue **I WON**


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rec'd letter today from Littlewoods solicitor ... short & sweet ...

 

'Your letter dated 17.10.06 has been passed to me. I am taking instructions on your letter & will respond to you shortly'

 

NOT if I respond to you first! :lol:

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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OK ... HELP!

 

I'm just preparing LBA (Tryna get organised & presuming I get no further correspondence by Tuesday when the 14dys is up on my prelim letter) and my question is that I have had a reply from Littlewoods solicitior so do I send LBA to them or Littlewoods??:confused:

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Thanks nathal - good idea! :)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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No further response from Littlewoods or solicitor - LBA sent today with a cc to Solicitor .....

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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tick, tick tick ..... :rolleyes:

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Share on other sites

Still nothing from Littlewoods or their solicitor - LBA runs out this week - They're cutting it fine if they're gonna make an offer - looks like this may be a trip to MCOL! :cool:

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Still nothing - deffo looks like one for the courts! Only bonus is that I then get to add 8% interest to my claim :rolleyes:

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Still nothing - getting quite excited about this possibly being my 1st court claim! :)

 

LBA was dated 2nd so presumably expiry is classed as today - the 16th so I should proceed with claim the 17th then?? Is this right or should you allow a few days??

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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OK LBA has deffo expired now - just been on MCOL & filled in claim form - gonna hold off hitting the button (& paying my 50 SQUID - OUCH!) until 2moro after mr Postie has been ... one can live in hope ...:-|

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Nowt in Saturday's post (surprise surprise!) from wot I've been reading it seems Littlewoods like to ignore you in the hop u will go away - deffo gonna hit that MCOL button ... an extra 8% here we come! :cool:

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Hi,

 

Gonna b watching ur claim with interest, as I'm gonna make 1 against Littlewoods for an old 'Index flexaccount card' I had.

 

Did u send off a S.A.R. with £10 or did u already have your statements?

 

And what LW address did you use?

 

Hi there - I already had my statements so didn't have to deal with SAR letters

 

The address I use is -

 

Staley Avenue

Crosby

Liverpool

L72 0LR

 

I'm gonna be hitting the button on MCOL today 'cos still nowt in post so they've had long enough to respond now.

 

Prepare to be ignored as this seems to be the norm with Littlewoods

 

Good luck!

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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OK - the button has been officially hit n I've paid me 50 squid .. They can't ignore me now ... or can they?!

 

C'mon - send me my CQ!!! :-x

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Share on other sites

Just been on MCOL & my claim has been served 21.11.06 - they now have 14 days to respond .... :rolleyes:

 

Just one Question - in the details of claim template I used it states that the defendant has had a schedule of charges (which obviously they have) but it says another copy will be sent. Do I have to now send an updated copy to Littlewoods or just wait n see if they request one?

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Notice of issue in post this morning - Littlewoods have till 10th December to reply - thought it was 14 days they got :confused: never mind the clock is again ticking ... :rolleyes:

 

Any answers to my last post?

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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  • 2 weeks later...
Hi Chezt - nuisance here !!! Just clicked in on this one after I realised how many balls you're juggling, matey !! You've now got yourself a dedicated stalker !! :D

PMSL @ the thought of bein stalked by a gorilla! :eek:

 

Q2:- Not sure as I haven't read your POC, but if you said you'd do something in them, then you'd better do it. Yeah, send a further update - it keeps it wafting under their noses !! A reminder to them that the stalling tactics haven't shaken you off.

 

I used the POC from this site which basically states '3. Defendant is aware of all details as a list of charges has already been supplied. Another copy will be sent'

I assume you're claiming penalty charges here.

 

Yeah it's Administration charges for Returned Cheques & Items returned late

 

Nice of u to pop by BTW ... bit lonely sometimes in the 'other institutions threads'! :)

 

Oh n Yeah - I'm juggling plenty of balls ATM !! just hope I don't drop any! :rolleyes:

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Share on other sites

Been on MCOL & it says Claim Acknowledged 01.12.06 ... does this mean Littlewoods have made a response??

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Q1:- I don't use MCOL, but the snailmail ones I get state Date of Issue, then date Deemed Served, usually 2-3 days after. Service date is the start of the countdown, though, and if they're busy then this could be somewhat later, perhaps.

 

Do you handwrite your claims or type n print? what's the easiest way of doing the N1 option?

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Share on other sites

It means they've acknowledged, and I'm going to take a wild guess at "with intention to defend in full", which buys them another 14 days to file a defence. You should be getting written confirmation of the AoS by MCOL shortly.

 

that's all it says online so I'll watch the postbox for the confirmation n let u know about the defence! :rolleyes:

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Share on other sites

Oh dear .. sorry to hear ur not well Bill - hope u didn't catch any of the germs from my threads!! Still managed another amusing post tho *chuckles*

Why apologies for replying on the other thread? I appreciate your help:)

Ta 4 the detailed explanation on the N1 procedure .. makes it so much clearer ... why do u send 3 copies to cc?

 

Thanks again for helpin .. hope ur feelin better soon

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Share on other sites

Cheers, Chezt - better, now, ta. I've still got a dose of "Nottingham Nut."

 

What's that you ask ?

 

"Throbbin' 'ead, throbbin' 'ead, riding through the glen..."!!

 

Sounds painful! :|

 

Re the N1 copies - had a discuss with Doryphor on this. I use the N1 and N1a, as downloaded as pdf's from the HMCS site. I then post all my claims to the CC local to the defendants' head office.

Not my local cc then? Wot if it goes to court ... I don't wanna travel miles :confused:

 

Now, the N1a definitely says send in three copies - 1 for defendant, 1 for court and 1 for claimant. The courts always send me back my copy, duly stamped & dated. Dory, however, says he takes his in to his local CC, and they just take 2 copies from him. He says he might do 3 next time, so's he gets a "receipt" in the form of his one, duly stamped.

 

In my dealings with court clerks so far, I personally would INSIST on a receipt !! I think he sees my reasoning !!

 

Thanks for explainin that ... makes sense now! :)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Share on other sites

OKEY DOKEY ..... UPDATE!!!!!

 

Letter from Littlewoods (Finance Company Limited this time!)

 

here goes ... see what u think ....

 

'Further to our letter of DATE (:confused: u mean from your solicitor ....u never replied!) apoligies for delay in replying blah blah.

 

I have now reviewed all activity on your account over the period xxxxx. According to our records you have set up a number of payment arrangements during this time, some of which have not been paid as agreed. This will result in a letter being produces & an admin charge being made to your account (er yeah I've seen that!)

They then go on to tell me how naughty I've been & when and how much they have charged me for doing so! one n a half pages full!! My schedule is shorter! :rolleyes: (Dunno what all this is about?!?!?!)

They go on ... We believe we have gone to considerable lengths to reduce the risk of you incurring a default charge including sending at least one reminder before default charges are applied (don't remember that ... just appeared as a charge on the acc as far as I remember) We are satisfied that, when considered in the context of the steps we take to reduce the occasions on which the charge is incurred, the frequency and nature of the defaults for which a charge is made & the level of the charges themselves, the admin charges applied to your acc are entirely fair & reasonable (wondered when they were gonna get that one in!)

We are aware of the statement of the OFT's position regarding fair charges. For the reasons given above, we are satisfied that the charges applied to your acc are justifiable in accordance with the views of the OFT & are fair within the Unfair Terms in consumer contracts regulations.

 

in the circumstances, the company is not prepared to remove all charges applied to your acc as requested.

 

i confirm this letter concludes our investigations into your complaint. I trust our explanation meets with your satisfaction.

 

OK ... Comments PLEASE!! Bearing in mind I've alread filed MCOL on this & this was issued 21st Nov ... they have until 10th dec to reply ... so is this it? Is this their reply or should they be replying to the court? The letter is just addressed to me & no cc mentioned anywhere .... :confused:

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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OK 'Nother update!!! I've received today notice of acknowledementof service today (In a court NOT near me! :-o :-| - Surely I won't have to travel there if this goes to court?!)

 

Defendant now has 28 days from date of service to file a defence (POO :-x )

It states .....

 

'I intend to defend all of this claim'

 

Signed by littlewoods Solicitor - Not the same as yours Bill ... Am I ok to say who it is or should I play it safe??? It does say Trainee Solicitor in position though :rolleyes:

 

"Little Mrs. Easily-Intimidated Housewife," ..... NOT!!

;):p

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Share on other sites

Does it say Northampton? Yes it is!

 

That's where MCOL is based, it then gets passed to your local court. You should know this by now, it is in the FAQs and step-by-step.

 

Is it really! Whoops I missed that bit then & I've read so many times!! Soz bookie .... I'll consider me hand duly slapped :oops: My excuse (& I'm sticking to it) is I usually have one eye on me lil girl causing mischief with wotever she can get her hands on n turning off the computer whilst I'm workin on it!!

 

Like I said it would. That predictable huh!

 

Ok, just to wait for their defence then. Make sure you post it in full (blanking out your identifying markers, of course) here, so we can all have a good look. Certainly will .... lets see what excuses they have to entertain us with eh! :rolleyes:

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Share on other sites

i was just reading through your thread, i was wondering if you had a copy of the signed credit agreement from littlewoods?? if you havent then i would reccoment reqesting one, it costs a £1.00. and if they can not supply you with one, then that would be very usefull in your court bundle. as if they dont supply you with one, then the whole of the debt would be written off. and then you could try and reclaim back everything that you have paid littlewoods.

 

 

just wondering as my mum has a debt with littlewoods, and i requested a copy of the original signed credit agreement, (which they havent supplied) they had 12 days to send it, after the 12 days they are in dispute and they have 30 days to rectify it. and they havent done this yet, so i have just sent littlewoods a letter telling them that the debt is now unenforcebale and i want all monies paid to them refunded and they have 21 days to do so and to also remove all info from their database and defaults on the credit file.

 

lisax

 

Cheers for the info Lisa ... will deffo write off for that!

 

If that's true about the refund etc then that's amazing ... I've had thousands of pounds of stuff over the last however many years for me n my family etc .... do you know of anyone who has actually had this written off n refunded then?? :eek:

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Share on other sites

Yes, you gotta wait the time, but I suspect their defence will read something like this:-

 

" "

 

But post it anyway !!! :D

 

Or something like ..... :confused::|

 

haha! ;)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Share on other sites

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