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    • First begging letter received from Overdales   ;Blah blah blah, our client's are going to win this blah blah blah we supplied all your documents under CPR   PS you can stop all this by paying £1200 less in a lump sum
    • Right,  so the court hasn't send out the Directions Questionnaires/N180s yet. PE's one is a false one, meant to intimidate you into thinking your defence was rubbish and they are confident with their claim. This is par for the course.  The PPCs do this regularly. However, PE have gone further and written that "a copy has also been filed with the court" which is a lie as the court haven't even sent out the papers yet. Keep a screenshot of MCOL, later on in your WS you can draw attention to their lying and abuse of court procedure. If you've got time on your hands, then complain to the BPA about one of their members lying.    
    • We need documents to be uploaded in PDF format. Uploading in Microsoft Word format discloses personal details relating to you which you should not be sharing. Click upload – to understand what to do. How did you pay for the vehicle? You start by saying that you should have walked away – yes you should. Not only because of the reputation of this company but also if the transaction isn't perfect you shouldn't get involved and you certainly shouldn't be taking the word of some used car dealer. Big fail! Why are some of your letter in black and some the in red? When you get some of the ideas in there – have you use a template from somewhere else? They aren't interested in a delay caused by some fire alarm or something. They certainly aren't interested either by the distress you are suffering. They have hundreds of customers who become victims of this kind of thing. All of those customers suffer distress. Big Motoring World don't seem to be very bothered. What are the faults which exist with the vehicle now? Is it just the splashing? Where is the splashing? What is it that is splashing?   Do I also understand that you purchased the vehicle without trying it at all and the first time you were in it and had splashing was after you had made the contract?
    • A claim was issued against you on 22/04/2024 Your acknowledgment of service was submitted on 06/05/2024 at 13:28:08 Your acknowledgment of service was received on 07/05/2024 at 01:05:18 Your defence was submitted on 23/05/2024 at 21:20:03 Your defence was received on 24/05/2024 at 08:05:43
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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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Mupster v NatWest


Mupster
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lol deller u just beat me to it...

Mupster, if you get an offer somewhere down the line some do some dont, you can accept as part payment only (rejection letter is in template) you could request payment there by cheque (am i right in this deller)

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Yes you can do that Tracey. ;)

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Thanks Deller (and Dan) - you are indeed a 'star'!

 

I will send the letter today.

 

Re the part settlement offer - I already sent that back. Would I be able to add a bit onto the letter stating that I would like to be settled by cheque do you think?

;) Mupster
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You will more than likely receive another offer yet, so you can add this to your future response.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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deller is a gaurdian angel...im just a wee grasshopper...lol

 

Tracey

 

I'll have you groomed in no time Tracey....;)

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Oh, no, NatWest have filed for defence:

 

Defence

You are unable to take any further action online on this claim.

 

The Defendant disputes the whole amount you have claimed. Your claim cannot proceed online and will be transferred to the appropriate court for continuation. You will receive confirmation to where the claim has been transferred to shortly.

 

 

I will need to check on the FAQ's to see what to do next re allocation forms etc. It all looks a bit complicated now. From what I have read on other threads they usually make you an offer at the last minute so I guess they just don't like me :evil:

 

So now I wait for the N129 to drop through the letterbox and send it off (I found the step-by-step instructions on this so it looks straightforward) with ANOTHER £100 fee.

 

Anyone got this far then had success????? I'm really not feeling very optimistic now about this.

;) Mupster
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Don't lose all the confidence you've built up in getting yourself this far, this is totally normal in the way your claim is panning out.

In the next day or so you'll receive a copy of their defence along with the 'Notice of Transfer of Proceedings', you may also get the cpr18 request - although not every claim goes down this route, mine didn't. Then the AQ will come, and yes I'm afraid you'll have to cough up a further 100 quid (reclaimable).

 

In general, most claims with Nat West do go this far so don't be alarmed that yours has too. My claim was settled 15 days after the AQ deadline, and Cobbetts even had their defence struck out, so my feeling is your pretty close to getting yours.

Have another read through some of the recent successes and you'll see that your claim is taking a pretty similar route to most others.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Don't worry I was exactly the same with my claim, sometimes you just need someone else to tell you you're on the right track.......even though you already know it yourself!! ;)

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Deller you have really blossomed since your early posts on your thread - you were in a panic most of the time just like me - now you are a great source of guidance to us lot still going through the process!

 

Thanks for all your encouragement - I am off to click your scales!!!

;) Mupster
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Deller you have really blossomed since your early posts on your thread - you were in a panic most of the time just like me - now you are a great source of guidance to us lot still going through the process!

 

And once your claim has settled you too will be the same!!!

 

Oh, apparently I have to spread it around a bit first

 

It's the thought that counts!! :D

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Another update!

 

AQ received this morning, filled in thanks to the step-by-step instructions on this site - can I send Ed's CPR letter to the court at the same time?

 

If it wasn't for the help on this site I would have given up a long time ago!!!!

;) Mupster
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Hi Mupster just got your pm so thought I better come over and have a look. All you need to do is reply with this letter.

 

Dear Sir or Madam:

 

Claim No:

 

I Acknowledge the receipt of the defence posted on behalf of National Westminster Bank plc.

I am not prepared at this stage to answer the CPR Part 18 Request. I anticipate that the claim will be allocated to the small claims track and would not then expect to have to deal with a Part 18 request since these are specifically excluded under Part 27 unless the court specifically orders me to do so of its own initiative

Furthermore I consider that the CPR part 18 request is intimidatory and I intend to bring the intimidation to the notice of the court. However, for clarity, I confirm the charges I am claiming were applied to the following account:

Account Name:

Account number:

Sort Code:

 

Please also find enclosed a breakdown of all charges I am claiming.

 

Yours Faithfully

 

Keep a copy and you will be able to send to the court if required.

 

Have a read through the cpr18 request sticky thread.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Glad to be of help, let me know if you get any more problems and I'll do my best to help you through!!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Still EAGERLY awaiting the next installment......well, ok, maybe I'm getting a little impatient now but I've had nothing more from Cobblers and I haven't hear back from the court yet re the AQ. Do you chase them or leave them to it?? Might be tempted to give the court a little ring just to see......I mean GOSH it's been a whole WEEK now ;)

;) Mupster
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The court have advised me that the AQ's are due in on the 23rd January (I thought you had to return them within 7 days?) so they will be passed to the judge then.

 

Was that tumbleweed I just saw? What was that - patience is a virtue? I'm not feeling very virtuous at the moment. I think I have been spoilt by my Halifax claim being settled so quickly.

;) Mupster
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