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    • Welcome to the forum What makes you think that ?   Andy
    • We purchased our Mercedes in September 2023 from Doves in Horsham for £21000, paying half cash and half on finance. We also purchased warranty for life via Ramp as recommended by Doves. On 12th May 2024 the car failed to recognise the key and wouldn’t not open, the AA could not identify the problem so via our warranty the car was taken to Mercedes in Croydon. After 3 weeks the problem was finally identified as water ingress in the drivers side footwell which has corroded and blown various components. After further investigation it was discovered the windscreen was date stamped 2019 (all the windows are 2018 - therefore not the factory fitted windscreen) The leak has developed due to incorrect sealant being used assuming when this was replaced and also water leaking from the seam. The warranty company do not cover water ingress so we are now faced with a bill of £3635. As we are now at 8 months since purchase (problem started at just over 7 months) we are not covered by the consumer rights acts. Would we be covered Sale of Goods Act? We have all the reports for the works being completed but unsure if this should be taken to the finance company or Doves who we purchased the car from. Do we pay for the works and then try and claim it back or should they be paying? Any help would be much appreciated
    • im also wondering if back billing applies here too . from looking at like threads around this SSE to ovo compulsory switch, it must be evidenced by the claimant that bills were regularly issued for the period of the supply the debt they claim covers. there are no threads here that show they could ever produce them, so back billing rules (12mts) might also play a part.
    • Vodafone have reported that they are having issues with their Credit File APIs into the Credit Reference Agencies where aged accounts over 6 years are being readded to Credit Files. In some instances, people are having defaults rescinded and changed to late payment status making the account live again!    --- Have you been affected? Please keep an eye out on your credit file for any  new Vodafone Account appearing where there shouldnt be any reason. If you are a Vodafone Customer - Check that the information is correct. check for Late Payments and Defaults.    Don't forget to consider the financial impacts this could have on you.  ---   If you are struggling - Post below and we can guide you to get the result you need!    Its been reported that Experian and TransUnion seem to be where these appear.  They are able to remove the information relatively quickly and it will reflect on next Credit File Refresh.         
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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 
        • 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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Customer issued court proceedings against us (small family run garage)


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You mean he's better going and hope that it's struck out? I think I'm starting to convince him that he needs to go. Slowly slowly catch a monkey lol

 

I think it has to be worth the day out, if this is allowed to proceed he'll have gone full circle with defence to file, possible prelim hearing to agree sje etc, disclosures, trial... the costs mount over time as will his possible loss of revenue from the business.

 

If he has the opportunity to dispose of the claim I'd be inclined to make time to attend.

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Please refer to http://legislation.data.gov.uk/uksi/1999/1225/made/data.htm?wrap=true, which is self-explanatory.

 

If your father is the actual party to the case and does not physically attend the hearing, then as a non-legally qualified person you do not have the right to represent him. In SCT the judge may let it slide but is unlikely to be impressed.

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Oh yes..no-one else can represent him apart from a Solicitor, for many people though with a very strong case, they may will think £90 for half a day off work, thank you very much:)

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No no, I don't want to represent him, no doubt about that I'd be terrible haha.

 

 

What is a McKenzie friend? Is that someone who accompanies the defendant into the hearings etc? Just seen it mentioned in some info I was reading on the County Court website.

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Yes, a McKenzie friend accompanies the Defendant into hearings and provides general support but does not represent.

 

If this is a contested hearing and the Defendant does not attend but the Claimant does, the vast likelihood is that the Claimant will win. As a general rule cases are not decided based only on paperwork or witness statements - judges take an extremely dim view of parties who do not attend hearings. Please do not assume that the judge will be happy with your father's excuse that he is busy at work.

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Ok, thanks for all the advice, I think my dad WILL be attending and I will accompany him for support.

 

I think thats a very sensible decision.

 

Don't forget to get your costs in the post to the other side before the hearing and take a copy with you on the day.

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I think thats a very sensible decision.

 

Don't forget to get your costs in the post to the other side before the hearing and take a copy with you on the day.

 

 

 

Mike, re costs, I've mentioned this to my dad but he's reluctant as not sure if it would cause more problems.

 

 

At what point will the claimant have to pay his costs for attending? if the case is thrown out or if the claimant loses?

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If the case is dismissed (possible) the j can summarily award costs on the day. If it drags on with an order for service of claim etc etc he could award costs in the case (payable at judgment) or costs on notice (ordered forthwith and contained within the N24 notice following the hearing).

 

The latter is generally the norm if the court has concerns regarding the claimants conduct and would usually provide for sanctions within the notice..... no pay, no case!

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Mike, re costs, I've mentioned this to my dad but he's reluctant as not sure if it would cause more problems.

 

 

At what point will the claimant have to pay his costs for attending? if the case is thrown out or if the claimant loses?

 

Nothing to be reluctant about, its the norm to send in your assesment of costs, if you were facing a solicitor you can be sure that they would be sending YOU their costs !

 

It wont cause any more problems and wont be discussed at all untill the end of the hearing.

 

I was prepared for a strike out/summary judgement in my case and the other side sent me their costs for a simple 1/2 hour hearing, £950 !!, (it was technically pre-allocation, so not small claims)...but they have now withdrawn and settled so its all sorted now.

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We didn't get our costs in in time as it was Friday when I last posted on here and thought they had to be filed at court a couple of days before and served on claimant so we'd left it too late.

 

No mention of a refund of our £80 for the original application to set aside the default judgement, which the judge even said himself had to be set aside as it was against procedure.

 

Mike, what do you mean sanctions?

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The claimant didn't even give a decent explanation for not serving particulars only to say that he thought he'd already served them prior to claim in September, and then even went on to blame the court because when he eventually filed his POC at the court a few weeks ago he gave the defendants copy in a separate envelope and said he thought the court served it on the defendant for him. The judge looked at his POC and pointed out that that was not even acceptable as it had not been signed with a statement of truth and advised him to re do it and serve on defendant within 7 days, and then he ordered that the defendant serve his defence within 14 days of that.

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If you use the Summary Assement of Costs (linked above I think), this normally has to be at court 24hours before, but sometimes its ok to serve on day..BUT generally these are only needed for non-small track claims, and yours was on small track, so its perfectly acceptable to just bring up the issue at the end, normally judges will bring it up too..and as its on small track you could say, I've had day off can I have £90 (and in your case possibly return of original set aside fee as it shouldnt of been set aside).

 

Many on here are simply too worried and confused to 'rock the boat' but it is your right, after all solicitors are only paid through 'costs', so normally its a very big part of court proceedings, of course on small track this is somewhat reduced.

 

Its surprsing that the court has given the other side so many bites of the cherry, it really should of been struck out but it is understandable if judges do give LiP's some leeway as the whole process can be daunting for first timers.

 

So now..onward to the actual hearing. Keep an eye on timescales and get to court as soon as the deadline expires if he still doesnt serve on time and apply for strike out, its also worth posting up his POC if/when it arrives, if it looks very weak you could still ask for strike out or perhaps make a very low offer to make him go away !

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The judge mentioned at the hearing about the claimant having an expert report done but then said oh but you've already had the car fixed haven't you. I piped up and said, yes you've fixed the car yourself which he then denied and said mechanics fixed it lol it states in his correspondence that he fixed it himself with the guidance of his mechanical friends, the same friends he intends to use as export witnesses.

 

Where does the law stand on this? Surely he's took away any chance of any independent evidence?

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Probably getting a bit ahead of yourself they need permission from the Court to use expert evidence and this will all be dealt with when both sides are completing their Directions Questionnaires which is probably a month away on the timescales set out by the order.

 

(CPR 35 is all about experts - http://www.justice.gov.uk/courts/procedure-rules/civil/rules/part35)

 

However given his past conduct I'd say it's still a big IF as to whether he'll comply with today's Order.

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Probably getting a bit ahead of yourself they need permission from the Court to use expert evidence and this will all be dealt with when both sides are completing their Directions Questionnaires which is probably a month away on the timescales set out by the order.

 

(CPR 35 is all about experts - http://www.justice.gov.uk/courts/procedure-rules/civil/rules/part35)

 

However given his past conduct I'd say it's still a big IF as to whether he'll comply with today's Order.

 

I think he now knows that unless he serves POC in next 7 days it's all over for him, and he seems to think that his physical evidence is 'without a doubt' enough to make the judge find in his favour.

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One problem with 'newbies' at court is that they have a picture in their mind that they are absolutely 100% right and that everyone will somehow know that, but the Judge has a blank mind, they know nothing about the case and its upto a claimant to persuede them of the merits of their case, they need strong evidence and this means actual evidence photos, reports, etc..and witness statements...but bear in mind the provisons of hearsay evidence which doesnt carry much weight.

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Still no sign of POC.

 

On the General Form of Judgement sent by the court after last week's hearing, it states

 

It is ordered that The Claimant do send to the defendant and the Court by 4pm 18 March 2014 Particulars of Claim duly endorsed with a signed statement of truth.

 

To me this order can be taken either way, so does the POC have to be actually in the hands of the defendant by this deadline, or as long as he's posted them by this date? Its not that clear to me and leaves even more room for claimant to take even longer.

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Still no sign of POC.

 

On the General Form of Judgement sent by the court after last week's hearing, it states

 

It is ordered that The Claimant do send to the defendant and the Court by 4pm 18 March 2014 Particulars of Claim duly endorsed with a signed statement of truth.

 

To me this order can be taken either way, so does the POC have to be actually in the hands of the defendant by this deadline, or as long as he's posted them by this date? Its not that clear to me and leaves even more room for claimant to take even longer.

 

 

 

It is clear and means that the PoC must be with the Defendant by 4pm tomorrow.

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