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    • You typed it in? actually typed it all out? if so, maybe you took too long or something, like session timed out. Does the status show defence filed or no change?
    • 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.
      • 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
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Lowell - Bryan Carter - Overdraft re Bank Charges


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Ok so how about instead of going back to the beginning of the account to cover all transactions, we choose some other mid point in time, for instance in my SAR they only provided statements dating back to July 2002

 

If I were to use that date and the information disclosed on those statements, the claim including compound interest to Sep 2009 according to the spreadsheet comes to £7783.81

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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.

We could do with some help from you.

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Well the CC (if made) is likely to be considerabaly more than the original claim so what is the likelyhood of it being allocated to the fast track, its just that I couldnt possibly afford to expose myself to the other sides costs should I loose.

 

Is there some way to at least get some of my unfairly/illegally charged charges back without the risks of fast track or would you just recommend defending this action?

 

Or should I be more confident of success as obviously Lloyds TSB saw no realistic prospect of success in taking this to court themselves otherwise they wouldnt have sold it to these chancers for around 10p in the pound!

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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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We could do with some help from you.

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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?

 

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?

 

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

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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.

We could do with some help from you.

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

We could do with some help from you.

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

We could do with some help from you.

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:!: They wont be very happy with that!

 

 

OK if you can possibly help me with preparing the Counterclaim paperwork and my defence (I'm presuming I still defend if I counterclaim) then I think I will go down the counterclaim route.

 

I think I have a more than reasonable prospect of winning, my only concern is if they send a smart alec barrister who might try and twist me in knots in court.

 

Do you know of anyone who might be prepared to represent me in court on a no win no fee basis (perhaps you may be interested in this yourself?) should it get allocated to the fast track?

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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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...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.

 

 

Thanks again for that Andy

 

I have read through the forum extensively but as yet I havent found any cases which parallel mine and involve a counterclaim.

 

The sites search facilities (unless I am using them wrongly) seem to be a little poor and seem to throw up everything containing every search term I input?

 

Can you or someone else perhaps point me to some threads I can at least make a start with?

Edited by Argh!
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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

We could do with some help from you.

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Ok after sitting down and reading for hours and hours trying to find some relevant information on reclaiming charges at this point in history, my heads now spinning and I'm getting nowhere fast.

 

I have found some pointers which need further investigation/research but it will need many more hours of work/research.

 

I am also mindfull (and getting ever more worried) that my last day to file a defence is tomorrow (12 Feb) and have also only just discovered that the MCOL system only allows you to input a certain number of characters into the defence field so my defence is now going to have to be reasonably explicit/compact, as its too late to post it off now :-(

 

So... do I also have to file my counterclaim by this date or can it be filed separately later on in the proceedings? If so up till what point?

 

I have found a defence that I think will suit (I think/hope its one of yours Andy :wink: ), I am going to tailor it slightly to suit and post it up shortly to see what you think and if any alterations need to me made.... hopefully it will fit on MCOL :!:

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My Draft Defence

 

 

1. It is admitted with regards to the Defendant entering into an Agreement referred to in the Particulars of Claim ('the Agreement') with the original creditor Lloyds TSB Bank.

 

2. The defendant denies that the account exceeded the agreed overdraft limit due to overdrawing of funds but is as a result of unfair and extortionate bank charges/penalties being applied to the account.

 

3. I refute the claimants claim is owed or payable. The amount claimed is comprised of amongst others default penalties/charges levied on the account for alleged late, missed or over limit payments. The court will be aware that these charge types and the recoverability thereof have been judicially declared to be susceptible to assessments of fairness under the Unfair Terms in Consumer Contracts Regulations 1999 The Office of Fair Trading v Abbey National PLC and others (2009). I will contend at trial that such charges are unfair in their entirety.

 

4. It is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the Consumer Credit Act 1974. The Claimant has yet to provide a copy of the Notice of Assignment its claim relies upon.

 

5. The claimant is denied from added section 69 interestlink3.gif within the total claimed that as yet to be decided at the courts discretion.

 

6. As per Civil Procedurelink3.gif Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.

 

The claimant is also put to strict proof to:-.

 

(a) Provide a copy agreement/facility arrangement along with the Terms and conditions at inception, that this claim is based on.

(b) Provide a copy of the Notice served under 76(1) and 98(1) of the CCA1974 Demand /Recall Notice and Notice of Assignment.

© Provide a breakdown of their excessive charging/fees levied to the account with justification.

(d) Show how the Claimant has reached the amount claimed.

(e) Show how the Claimant has the legal right, either under statute or equity to issue a claim.

(f) Show how they have complied with sections III & IV of Practice Direction - Pre-action Conduct.

 

7. On receipt of this claim I requested documentation by way of a CPR 31.14 request dated 4 March 2014 namely the Agreement and Termination Demand Notice referred to in the claimants Particulars of Claim. The Claimant has failed to comply with this request.

 

By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

Edited by Argh!
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Brigadier2JCS make an excellent valid point, although I'm not sure what if any legislation this comes from?

 

A default should not be placed where the default sum is made up of charges without which the account would not have defaulted.
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Good Morning Andy

 

If you have a minute could you please cast an eye over posts #40 #41 & #42 above.

 

I have to get my defence in by today at the very latest and want to make sure everything is as good as it can be.

 

The character count is 2521 at the moment so I believe there is still plenty of room to add a few things if you want too :wink:

 

Many, many thanks in anticipation :thumb:

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

 

Phew thats a relief!.... Yes the vast majority of it is derived from your own hard work :first: To which I owe you a million thank yous' :thumb::thumb::thumb:

 

I have my figures but I think its probabaly best to put the counterclaim on the backburner for now whilst I fully familarise myself with any complications. What do you think?

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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...

Latest Developments

 

Received two letters from Carters

 

First letter received 10+ days ago reads

 

..........."As you will be aware, a claim was issued on XX February 2014. Further to this Judgment in default of Acknowledgement was entered in the sum of £xxxxx on 5 March 2014 and you were ordered to pay installments of £50.00 per month commencing 4 April 2014 in order to clear the Judgement sum."...........

 

 

My defence was accepted, no default judgement had been entered and no such order had been made. This was a blatant lie..... can they be taken to task for this?

 

 

Second Letter received today reads

 

"Please see attached copy letter sent to the court confirming that the claimant wishes to proceed with the claim at this time.

 

The claimant agrees in principle to mediation.

 

We should also be grateful to hear from you in realation to without prejudice negotiations and you may contact us on 08xxxxxxx"

 

Their atached letter to court reads

 

"Thank you for providing us with the defendants defence.

 

Our instructions are that the claimant wishes to proceed with the claim.

 

We look forward to hearing from the court with directions"

 

 

Comments please??

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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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