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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 
      • 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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Hearing for my stay to be lifted.


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NEWS on my Abbey claims

 

A bit unexpected as well.....

 

Claim 1 (£700) Request for stay to be lifted submitted on 9 October. Still with the District Judge

 

However

Claim 2 (£3800) Request for stay to be lifted submitted 19 October (I know, 10 days later!!)

 

"the hearing of the claimants application for Stay to be Set Aside will take place at 11.30 on the 24 November."

 

I am surprised at this. I expected the stay to either be lifted, or the application to be refused. I'm also surprised the one applied for first is still with the Judge.

 

So, off to court to get the stay lifted! I wonder if I will end up going for the smaller claim also.

 

I paid the standard £35 fee (application without a hearing) for each claim

Spoke to the court and apparently the Abbey will have to attend.

 

After going for my citi hearing i'll almost be on first name terms with the staff at the court........:rolleyes:

Abbey - Claim 1

full hearing 22 Feb 07 - Settled in full £710 :D

Abbey (Claim 2)

full hearing 22 Feb 07- Settled in full £4000 :D

Abbey (Claim 3)

Court date 27 June -

Capital One (claim 1)

£467 Settled in full 20 Sep :D

Capital One (claim 2)

£72 refunded 19 Aug :-D

Associates (Citicards)

claim 8 Aug/judgment by default 30 Aug/set aside hearing 9 Oct/Stay denied, ordered by Judge to reveal breakdown of charges andfull hearing 24 May/FULL DISCLOSURE ORDERED BY 8 MARCH/JUDGE TO STRIKE OUT DEFENCE AS NON-COMPLIANCE/DEFENCE STRUCK OUT PAYMENT IN FULL REQUIRED IN 14 DAYS

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I too have a hearing for my stay to be lifted on 27th November. Do we actually have a chance to speak, and if so, has anyone successfully had their stay removed, and what did they say?

Kate

Preliminary Letter Sent: 05/08/06

Letter Before Action Sent:23/08/09

Money Claim Online Filed:11/09/06

Settlement Offered: 13/10/06

Wrote letter accepting settlement but rejecting confidentiality clause 16/10/06

Allocation questionnaire received 07/11/06

Phoned solicitor to find out what happening, told to resubmit letter accepting settlement but rejecting confidentiality clause 13/11/06

Received letter from Lloyds giving notice that they are closing my account in 30 days 18/11/06

Money received in full 20/11/06

Wrote new letter to Lloyds asking for repayment of all charges imposed since 11/09/06 on 21/11/06

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I think we do have the opportunity to speak. I am guessing we will need to put forward our points as to why we would like the stay lifted.

 

I've looked but can't find any other stay hearings. Everyone else seems to have them lifted without a hearing!

 

Is yours with the Abbey also Kate?

Abbey - Claim 1

full hearing 22 Feb 07 - Settled in full £710 :D

Abbey (Claim 2)

full hearing 22 Feb 07- Settled in full £4000 :D

Abbey (Claim 3)

Court date 27 June -

Capital One (claim 1)

£467 Settled in full 20 Sep :D

Capital One (claim 2)

£72 refunded 19 Aug :-D

Associates (Citicards)

claim 8 Aug/judgment by default 30 Aug/set aside hearing 9 Oct/Stay denied, ordered by Judge to reveal breakdown of charges andfull hearing 24 May/FULL DISCLOSURE ORDERED BY 8 MARCH/JUDGE TO STRIKE OUT DEFENCE AS NON-COMPLIANCE/DEFENCE STRUCK OUT PAYMENT IN FULL REQUIRED IN 14 DAYS

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Dear Keren,

No, my claim is with Lloyds TSB. I hadn't realized that some people were getting stays lifted without a hearing - I've not been visiting the forum often enough. It does seem that policy is being written on the hoof - I managed to get the hearing to have my stay lifted by writing a letter to the court - other people seem to have to pay up to £65 and fill in special forms. I'll keep an eye out to see how you get on on the 24th.

Good luck,

Kate

Preliminary Letter Sent: 05/08/06

Letter Before Action Sent:23/08/09

Money Claim Online Filed:11/09/06

Settlement Offered: 13/10/06

Wrote letter accepting settlement but rejecting confidentiality clause 16/10/06

Allocation questionnaire received 07/11/06

Phoned solicitor to find out what happening, told to resubmit letter accepting settlement but rejecting confidentiality clause 13/11/06

Received letter from Lloyds giving notice that they are closing my account in 30 days 18/11/06

Money received in full 20/11/06

Wrote new letter to Lloyds asking for repayment of all charges imposed since 11/09/06 on 21/11/06

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Yes you will have an opportunity to speak to your application grounds for the removal of a stay.

If you have submitted the spreadsheet of settled claims it will be an opportunity to submit an updated version and also to make any additional point you wish to make.

 

I suggest also that you print out and summarise the main points in the the competition commission report which I have linked in the stickies. Take that along and point it out to the judge.

Also raise any new idea which have come to you.

 

It will be good practice in court because it is not a crucial event suchg as a full hearing.

You should try to learn from the experience.

 

Also, having pointed out the conclusions from the Comp.Comm document, ask the judge for standard discl0sure.

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Hi Karen,

 

I got my stay lifted at a hearing. I've already replied on your Abbey thread http://www.consumeractiongroup.co.uk/forum/abbey-bank/11437-keren29-abbey-9.html#post366507

 

If you would like to see or use my stay removal guidance notes, let me know.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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  • 2 weeks later...

Dear Keren,

Good luck for tomorrow, I hope your stay gets lifted.

Best wishes,

Kate

Preliminary Letter Sent: 05/08/06

Letter Before Action Sent:23/08/09

Money Claim Online Filed:11/09/06

Settlement Offered: 13/10/06

Wrote letter accepting settlement but rejecting confidentiality clause 16/10/06

Allocation questionnaire received 07/11/06

Phoned solicitor to find out what happening, told to resubmit letter accepting settlement but rejecting confidentiality clause 13/11/06

Received letter from Lloyds giving notice that they are closing my account in 30 days 18/11/06

Money received in full 20/11/06

Wrote new letter to Lloyds asking for repayment of all charges imposed since 11/09/06 on 21/11/06

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All the best for tomorrow we will be think about you!!

First Direct - Settled in full :eek:

Lloyds TSB - AQ completed Central London CC :confused:

RBS - Settled in full :p

Morgan Stanley - Settled in full :lol:

Capital One - Settled in full ;-)

Citi Cards - Transfered to Mercantile Court 19/10/06

Nationwide - Settled in full 8)

Capital One Acct 2 - Prelim letter

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Cheers guys, fingers crossed.

Abbey - Claim 1

full hearing 22 Feb 07 - Settled in full £710 :D

Abbey (Claim 2)

full hearing 22 Feb 07- Settled in full £4000 :D

Abbey (Claim 3)

Court date 27 June -

Capital One (claim 1)

£467 Settled in full 20 Sep :D

Capital One (claim 2)

£72 refunded 19 Aug :-D

Associates (Citicards)

claim 8 Aug/judgment by default 30 Aug/set aside hearing 9 Oct/Stay denied, ordered by Judge to reveal breakdown of charges andfull hearing 24 May/FULL DISCLOSURE ORDERED BY 8 MARCH/JUDGE TO STRIKE OUT DEFENCE AS NON-COMPLIANCE/DEFENCE STRUCK OUT PAYMENT IN FULL REQUIRED IN 14 DAYS

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I'm back.

 

The Abbey didn't attend, but sent a letter saying they neither agreed with nor objected to the stay being lifted.

 

He lifted the stay and , as I predicted, has scheduled it for 22 February with all the the others.

 

He said that if he had seen the application earlier he would not have had the hearing and would have added it to the 22nd Feb list, but a Deputy had ordered the hearing today.

 

He said that he understood that it was causing me financial difficulty but that if he now listed my case separately it would defeat the object of having a big hearing on the 22nd and that the earliest hearing dates were February anyway. He said they had lots to deal with and had to consider the available resources in the court.

 

He said the reason he had originally put stays on the claims was because he was waiting for some 'meaty' claims to go through the Mercantile, but because they had all been settled, he had decided to lift all the stays he had ordered and push them through all on one day. He will be dealing with all the Abbey cases together, then all the Nat West ones etc.

 

He said that the hearing date will either be a damp squib because everyone will have settled, or it will be a mad scramble for seats!

 

That means I have all three of my outstanding claims (2 with the Abbey and 1 with Citicards) on the same day at the same time!!)

Abbey - Claim 1

full hearing 22 Feb 07 - Settled in full £710 :D

Abbey (Claim 2)

full hearing 22 Feb 07- Settled in full £4000 :D

Abbey (Claim 3)

Court date 27 June -

Capital One (claim 1)

£467 Settled in full 20 Sep :D

Capital One (claim 2)

£72 refunded 19 Aug :-D

Associates (Citicards)

claim 8 Aug/judgment by default 30 Aug/set aside hearing 9 Oct/Stay denied, ordered by Judge to reveal breakdown of charges andfull hearing 24 May/FULL DISCLOSURE ORDERED BY 8 MARCH/JUDGE TO STRIKE OUT DEFENCE AS NON-COMPLIANCE/DEFENCE STRUCK OUT PAYMENT IN FULL REQUIRED IN 14 DAYS

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The Abbey didn't attend, but sent a letter saying they neither agreed with nor objected to the stay being lifted.

 

Isn't that a surprise *sigh*

I really wish the slippery &^%*$£@ would either get into a court to argue the toss or completely admit every claim right off the bat.

 

Anyway, sounds like the hearing went well Keren & your judge is pretty switched on - 22nd Feb should be interesting :)

 

Cheers

 

Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

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