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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 
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    • 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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Lowell - Bryan Carter - Overdraft re Bank Charges


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Hi and welcome to CAG

 

 

Have you logged on to MCOL and tried to access the claim...the AoS may still be available if not ring CCBC and explain the situation.

 

Regards

 

Andy

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I would still check with Northampton and explain as advised....It looks like you have got away with it but check for peace of mind that they have not requested a Default Judgment.

You are only 6 days late so I assume it should be ok.

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Pushing your luck now Argh...hope you are having a go on the Lotto tomorrow with your run of luck:wink:

 

Go to the Legal Library and look for CPR 31.14 Current Accounts...edit to suit and get that away today.Also type here the particulars of claim (verbatim) less any identifiable data.

 

Dont worry about your defence just give your thread a nudge at it approaches.

 

Regards

 

Andy

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Yes we need to put them to proof that they have the documentation and are legally enforcing the debt...hence CPR 31.14...re the DSAR have you quantified a figure...does it need up dating ...have the above goons added anything further?

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Not allocated at the time of the request so CPR 31.14 does apply...but do you really want to argue with a nonsensical template?:madgrin:

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Heres the spreadsheet :--

 

http://www.consumeractiongroup.co.uk...laims-Dec-2011

 

Let me consider the merits of a CC once you have a final figure.

 

Andy

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Really need to to keep it below £10K forget sec 69 for now thats calculated on top later and has no bearing on track.

 

Andy

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Yep whatever...as long as it does not exceed £10K....it could still end up in the Fast Track if your CC is greater than the initial claim and there are complex issues...so you should bear that in mind.

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You could go with just the defence and at mediation try to mitigate as a negation tool or you may submit a CC and see what track the Court allocates to.

You have to pay a fee to CC which would be in the region of £210....this becomes payable when you receive the DQ (Directions Questionnaire) hopefully the N180 and not N181.

 

As stated a counterclaim could have a bearing on the allocation of the trial. If the financial value of the counterclaim is higher than the value of the original claim this could result in the whole claim being allocated to a different track. Therefore a claimant who thinks he has issued a small claims case could suddenly find that the case has been allocated to a costlier and more complicated track because of the counterclaim.

 

Where a counterclaim is made, or where the court’s permission is sought to issue a counterclaim, the court will take into account a number of factors when deciding how to manage the case. The court can refuse permission, strike out the counterclaim or order that it be dealt with as a separate claim.

 

If it was placed in FT then failing to pay the fee could result in the CC being struck out

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The court fee wouldnt be a problem as I am in receceipt of income support I should qualify for remmission. Would that also perhaps qualify me for represention in court? No

 

The penalty charges of course were made by Llloyds wheras the claim has been brought by Lowells so if I issue a counterclaim against Lowells how would this sit with the judge? Lowells are now the legal owners of the debt and all the responsibilities that come with buying defunct debts.

 

Presuming I won, could he/she order that Lowells and/or Lloyds repay the penalty charges

Most probably set off against the claimed amount.

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You would be credited by cash the difference plus your costs.

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By Lowell its their claim....LLoyds are not suing you.

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We can assist in the preparation of a defence and Part 20 counter claim...but firstly you need to research and read other threads on reclaiming bank charges...its not a walk in the park and any counterclaim will have to have merit and be based on law as to why you deem the charges to be unfair.

 

CAG can not recommend any representation i'm afraid as its against Forum Rules.That is a matter you would have to undertake yourself.

 

Regards

Andy

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I would start here in the Successes Forum...pretty sure there are some defended and counterclaimed threads.

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?190-DCA-Legal-Successes

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Defence is excellent Argh a lot which seems familiar :wink:

 

With regards to the counter claim you submit that the same time otherwise it requires permission of the court to submit further into the proceedings (which involves an application and fees etc)

So subject to your decision it would be quite easy to tag a Part 20 on to the defence assuming you have your figures /interest/ and sec 69 interest ready.

 

Regards

 

Andy

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I think that would a wise decision pending the outcome the claim...you could always instigate your own claim at a later date more convenient to yourself...challenging Bank Charges is no mean feat.

 

Copy and paste the above into MCOL and print your receipt as proof of submission.

 

Regards

 

And

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  • 2 weeks later...

Well the first is BS nonsensical missive assuming you wouldn't dare defend...the second is his whoops.... would you like to talk and try to agree settlement......you may get a third shortly offering discontinuance of the claim so dont be in a rush to respond to letter number 2.:wink:

 

Regards

Andy

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Ha ha I see you got letter numero 3...the Consent...you need to pdf that Argh I have miss placed my magnifying glass.:-D

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Now you must make a decision...accept the consent and negotiate the figures...this wiil stay the claim/CCJ and put you back as before the claim or dismiss it and proceed to trial.

 

Choice is yours

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Not necessary Lloyds may not of thought it cost effective to litigate were as Lowell would chase you for 10p...but its your choice at the end of the day as stated.

 

Regards

 

Andy

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