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    • Please see my comments in orange within your post.
    • no i meant the email from parcel2go which email address did they send it from and who signed it off (whos name is at the bottom)
    • I understand confusion with this thread.  I tried to keep threads separate because there have been so many angles.    But a team member merged them all.  This is why it's hard to keep track. This forum exists to help little people fight injustice - however big or small.  Im here to try get a decent resolution. Not to give in to the ' big boys'. My "matter' became complicated 'matters' simply because a lender refused to sell a property. What can I say?  I'll try in a nutshell to give an overview: There's a long lease property. I originally bought it short lease with a s.146 on it from original freeholder.  I had no concerns. So lender should have been able to sell a well-maintained lovely long lease property.  The property was great. The issue is not the property.  Economy, sdlt increases, elections, brexit, covid, interest hikes etc didn't help.  The issue is simple - the lender wanted to keep it.   House or Flat? Before repo I offered to clear my loan.  I was a bit short and lender refused.  They said (recorded) they thought the property was worth much more and they were happy to keep accruing interest (in their benefit) until it reached a point where they felt they could repo and still easily quickly sell to get their £s back.  This was a mistake.  The market was (and is) tough.   2y later the lender ceo bid the same sum to buy the property for himself. He'd rejected higher offers in the intervening period whilst accruing interest. Lenders have a legal obligation to sell the property for the best price they can get. If they feel the offer is low they won't sell it, because it's likely the borrower will say the same. I had the property under offer to a fantastic niche buyer but lender rushed to repo and buyer got spooked and walked.  It had taken a long time to find such a lucrative buyer.  A sale which would have resulted in £s and another asset for me. Post repo lender had 1 offer immediately.  But dragged out the process for >1y - allegedly trying to get other offers. But disclosure shows there was only one valid buyer. Again, points as above. Lender appointed receiver (after 4 months) - simply to try acquire the freehold.  He used his powers as receiver to use me, as leaseholder, to serve notice on freeholders.  Legally that failed. Meanwhile lender failed to secure property - and squatters got in (3 times).  And they failed to maintain it.  So freeholders served a dilapidations notice (external) - on me as leaseholder (cc-ed to lender).   (That's how it works legally) Why serve a delapidations notice? If it's in the terms of the lease to maintain the property to a good standard, then serve an S146 notice instead as it's a clear breach of the lease. I don't own the freehold.  But I am a trustee and have to do right by the freeholders.  This is where matters got/ get complicated.  And probably lose most caggers.   Lawyers got involved for the freeholders to firstly void the receiver enfranchisement notice. Secondly, to serve the dilapidations notice.  The lack of maintenance was in breach of lease and had to be served to protect fh asset. Enfranchisement isn't something that can be "voided", it's in the Leasehold Reform Act 1967 that leaseholders have the right to buy the freehold of the property. It's normal, whether it is a "normal" leaseholder or a repossession with a leasehold house, to claim this right of enfranchisement and sell the property with said rights attached and the purchase price of the freehold included in the final completion price. That's likely what the mortgage provider wished to do. The lender did no repairs. They said a buyer would undertake them. Which was probably correct. If they had sold. After 1y lender finally agreed to sell to the 1st offeror and contracts went with lawyers.  Within 1 month lender reneged.  Lender tried to suggest buyer walked. Evidence shows he/ his lawyers continued trying to exchange (cash) for 4 months.  Evidence shows lender and receiver strategy had been to renege and for ceo to take control.   I still think that's their plan. Redact and scan said evidence up for others to look at? Lender then stupidly chose to pretty much bulldoze the property.  Other stuff was going on in the background. After repo I was in touch by phone and email and lender knew post got to me.   Despite this, after about 10 months (before and then during covid), they deliberately sent SDs and eventually a B petition to an incorrect address and an obscure small court.  They never served me properly.  (In hindsight I understand they hoped to get a backdoor B - so they could keep the property that way.)  Eventually the random court told them to email me by way of service.  At this point their ruse to make me B failed.  I got a lawyer (friend paid). The B petition was struck out. They’d failed to include the property as an asset. They were in breach of insolvency rules. So this is dealt with then. Simultaneously the receiver again appointed lawyers to act on my behalf as leaseholder. This time to serve notice on the freeholders for a lease extension.  He had hoped to try and vary the strict lease. Evidence shows the already long length of lease wasn't an issue.  The lender obviously hoped to get round their lack of permission to do works (which they were already doing) by hoping to remove the strict clauses that prevent leaseholder doing alterations.  You wouldn't vary a lease through a lease extension. You'd need a Deed of Variation for that. This may be done at the same time but the lease has already been extended once and that's all they have a right to. The extension created a new legal angle for me to deal with.  I had to act as trustee for freeholders against me as leaseholder/ the receiver.  Inconsistencies and incompetence by receiver lawyers dragged this out 3y.  It still isn't properly resolved. The lease has already been extended once so they have no right to another extension. It seems pretty easy to just get the lawyer to say no and stick by those terms as the law is on your side there. Meanwhile - going back to the the works the lender undertook. The works were consciously in breach of lease.  The lender hadn't remedied the breaches listed in the dilapidations notice.  They destroyed the property.  The trustees compiled all evidence.  The freeholders lawyers then served a forfeiture notice. This notice started a different legal battle. I was acting for the freeholders against what the lender had done on my behalf as leaseholder.  This legal battle took 3y to resolve. Again, order them to revert it as they didn't have permission to do the works, or else serve an S146 notice for breach of the lease. The simple exit would have been for lender to sell. A simple agreement to remedy the breaches and recompense the freeholders in compensation - and there's have been clean title to sell.  That option was proposed to them.   This happened by way of mediation for all parties 2y ago.  A resolution option was put forward and in principle agreed.  But immediately after the lender lawyers failed to engage.  A hard lesson to learn - mediation cannot be referred to in court. It's considered w/o prejudice. The steps they took have made no difference to their ability to sell the property.  Almost 3y since they finished works they still haven't sold. ** ** I followed up some leads myself.  A qualified cash buyer offered me a substantial sum.  The lender and receiver both refused it.   I found another offer in disclosure.  6 months later someone had apparently offered a substantial sum via an agent.  The receiver again rejected it.  The problem of course was that the agent had inflated the market price to get the business. But no-one was or is ever going to offer their list price.  Yet the receiver wanted/wants to hold out for the list price.  Which means 1y later not only has it not sold - disclosure shows few viewings and zero interest.  It's transparently over-priced.  And tarnished. For those asking why I don't give up - I couldn't/ can't.  Firstly I have fiduciary duties as a trustee. Secondly, legal advice indicates I (as leaseholder) could succeed with a large compensation claim v the lender.  Also - I started a claim v my old lawyer and the firm immediately reimbursed some £s. That was encouraging.  And a sign to continue.  So I'm going for compensation.  I had finance in place (via friend) to do a deal and take the property back off the lender - and that lawyer messed up bad.   He should have done a deal.  Instead further years have been wasted.   Maybe I only get back my lost savings - but that will be a result.   If I can add some kind of complaint/ claim v the receiver's conscious impropriety I will do so.   I have been left with nothing - so fighting for something is worth it. The lender wants to talk re a form of settlement.  Similar to my proposal 2y ago.  I have a pretty clear idea of what that means to me.  This is exactly why I do not give up.  And why I continue to ask for snippets of advice/ pointers on cag.  
    • It was all my own work based on my previous emails to P2G which Bank has seen.
    • I was referring to #415 where you wrote "I was forced to try to sell - and couldn't." . And nearer the start in #79 .. "I couldn't sell.  I had an incredibly valuable asset. Huge equity.  But the interest accrued / the property market suffered and I couldn't find a buyer even at a level just to clear the debt." In #194 you said you'd tried to sell for four years.  The reason for these points is that a lot of the claims against for example your surveyor, solicitor, broker, the lender and now the receiver are mainly founded in a belief that they should have been able to do something but did not. Things that might seem self evident to you but not necessarily to others. Pressing these claims may well need a bit more hard evidence, rather than an appeal to common sense. Can you show evidence of similar properties, with similar freehold issues, selling readily? And solid reasons why the lender should have been able to sell when you couldn't.
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      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.

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getting my money back on a faulty clutch


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hi all im after some advice.

 

 

I purchased a clutch kit for my mondeo from a company called nationwide clutch at blackpool

their ebay username is techniclutch.

 

 

now the clutch was supplied with a 4 year 40000 mile warranty.

however it managed to complete just over 18000 miles in around 20 months before it broke up (the center plate)

the concentric bearing also fell apart.

 

 

not wanting to have a poor quality clutch put back in my car

I purchased a genuine clutch kit as I needed the car on the road.

 

 

I sent back all the parts asking for a full refund as I had a garage fit the new clutch

and also put a claim in for the labour cost.

 

 

I got a letter back from the company saying all they will do is supply a center plate

as the concentric bearing would not fall apart??????

no refund for labour costs as I did not give the company chance to sort it out???

 

 

like most people I need the car for work etc..

...personally I think they are taking the mick bigtime..

 

 

...do I have a case?

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As above, no.

 

You can't really expect to just send a bill to a company and expect them to pay. They must be given a chance to sort it out.

 

I think you really answered your own question with "not wanting to have a poor quality clutch put back in my car

I purchased a genuine clutch kit as I needed the car on the road. "

 

That says it all.

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mmmmm I think we are missing the point here......I bought a clutch from them it failed within the warranty period basically im trying to get my money back for the clutch I bought from them and the original labour cost to have it fitted....im not trying to gain money from the new clutch or labour charge. just the original costs.....what I meant was I needed the car back on the road asap so opted for the genuine part and to not waste over 2 months without the car which is what it has taken for them to come to this decision.....it would of meant buying another clutch from themselves and chase the refund up.......like the saying goes when u have had poor quality and service you tend to avoid

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ok but im only after what I originally forked out NOT for the replacement why would anyone want to risk another clutch failing another yr or so down the line....would u?.......this is my point. the original supplier would not give out a genuine part so would of had to put up with a poor quality item again.......I somehow don't think that's right......as stated had to make a quick decision as car was on garage ramp in bits investigating why it had no drive found clutch smashed.... so had to say repair it. so had no time to get in touch with them (anyone who has dealt with them will tell you its hard work getting in touch with them let alone getting to the right dept) so what choice did I have??? im just after a refund for all I paid out ORIGINALLY not for the 2nd clutch or labour for the 2nd clutch

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I understand what you are saying fully, but it don't work like that. Although they have given a warranty, a warranty doesn't have the same protection as the sale of goods act (SOGA). Now the SOGA says that should anything go wrong during the first six months, it is up to the seller to prove there wasn't a fault with it at the time of purchase, an inherent fault. After six months, it is the buyer who has to show that there was a problem with it at the time of purchase.

If that takes an independent engineer to decide and it cost, if there is an inherent fault, then the seller also pays for the inspection.

 

Depending on what the wording of the warranty is, you can go either route. If the warranty only covers the parts and not the labour, (very likely), then you could demand the labour charges be refunded and when told where to go, issue a court summons in the small claims for that refund.

 

Obviously the date of purchase is known, did you have to record the mileage at fitment with anyone ?

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I understand what you are saying fully, but it don't work like that. Although they have given a warranty, a warranty doesn't have the same protection as the sale of goods act (SOGA). Now the SOGA says that should anything go wrong during the first six months, it is up to the seller to prove there wasn't a fault with it at the time of purchase, an inherent fault. After six months, it is the buyer who has to show that there was a problem with it at the time of purchase.

If that takes an independent engineer to decide and it cost, if there is an inherent fault, then the seller also pays for the inspection.

 

Depending on what the wording of the warranty is, you can go either route. If the warranty only covers the parts and not the labour, (very likely), then you could demand the labour charges be refunded and when told where to go, issue a court summons in the small claims for that refund.

 

Obviously the date of purchase is known, did you have to record the mileage at fitment with anyone ?

yes mileage was put on the invoice along with date for labour cost. .....the wording for the parts and labour claim is as follows....this warranty is for customers who wish to make a claim for associated labour if they believe a part may have a genuine manufacturing defect by the manufacturer. then the cost of the defective part(s) together with the associated official trade labour rate and time (taken from sachs) will be refunded if however the manufacturer considers that the returned parts does not have a manufacturing defect then the claim will be rejected and the parts returned to you with a report (remember to fill out the warranty claim form on the reverse of this form) or if you cannot be without your vehicle then purchase a replacement from us and upon return of the original parts we will refund you for them together with the associated labour at the official trade labour rate and time. if the manufacturer grants the warranty claim which may take several weeks (you must provide an official receipted invoice from a vat registered garage to substantiate any labour claim) sorry about all that but thats how its worded......there is 2 out the 4 parts faulty and fell apart/broken the supplier are saying only one is?? have pics of the faulty parts and copies of all paperwork.......the only thing i have done is gone and got the garage to sort it with genuine parts simply becuase i needed the car the garage needed workshop space and with the problems i had when i originally ordered the parts from nationwide with bits missing from the kit i was over a week waiting before i could get it fitted.

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That takes us back to post #7, was there a manufacturing fault, that is up to you to show so it if comes back with a rejection, you will have to send it off to an engineering laboratory for analysis.

 

You can ask them if they have submitted it to the manufacturer so they can offer their opinion, but at most I think all you are entitled to is a replacement center plate as you did not give them a chance to sort it out.

The regulations are big on the side of the consumer, but they do also offer protection to sellers.

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  • 1 year later...
only 4000 miles warranty should have set off the alarm bells.
now the clutch was supplied with a 4 year 40000 mile warranty.

however it managed to complete just over 18000 miles in around 20 months before it broke up (the center plate)

the concentric bearing also fell apart.

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