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    • 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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    • 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
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    • 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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arrows/restons claim form - old EGG loan 'debt'


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I have received a claim form from Restons / Arrow global dated 10th December.

 

Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.

 

The are claiming just short of £4000 for an old loan debt

 

The loan started in 2005 and should have completed in 2010. I was in a serious amount of difficulty in 2009.

 

I used the advice from another forum (cant recall which sorry) to send a number of template CCA request letters and the account has been in dispute without payments since June 2009.

 

I believe that I should send a CPR31.14. Also, I should acknowledge the claim online within 14 days and send a defence within 28 days.

 

It will be difficult for me to find the money quickly and hopefully the court date is later in the year to give me more time so I am very stressed right now.

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http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**(1-Viewing)-nbsp

 

Can you please provide answers to the questions asked in the link above - pop the answers back here in this thread.

 

Then we can advise further :)

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Thanks citizen, sorry I missed these. Appreciate any advice.

 

Issue date 10th December.

 

The claimant claims payment of the overdue balance due from the defendant under a contract between the defendant and Eggicon dataed on our about Dec 2005 and assigned to the Claimant on Jan xx 2013

 

PARTICULARS a/c xxxxxxxxx

 

Date 11/2015

Item Defaunlt Balance

Value 39xx.xx

Post refrl cr 0

TOTAL 39xx.xx

 

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.

No, i believe not.

Were you aware the account had been assigned – did you receive a Notice of Assignment?

No, I beleive that it was previosuly assigned to someone else but cannot locate the paperwork right now.

 

Did you receive a Default Notice from the original creditor?

I dont beleive so.

Dated April 2011 on my online credit file.

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?

I have recently received a notice in the last 6 months. I cannot locate any older notces.

 

Why did you cease payments?

I was in serious money trouble.

 

What was the date of your last payment?

June 2009

 

Was there a dispute with the original creditor that remains unresolved?

I did request copies of the origional agreement under the CCA act.

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan?

No

Edited by BackintheBlack
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If your last payment was June 09, then you have a perfect defence, as it 'should' be statute barred. So they can't enforce and you owe nothing.

 

Check your credit file and see if this shows on there at all, although it isn't always an indication of the status of the account, but is a good indicator.

 

Who was the original creditor for the loan?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thank you Bazooka, the original lender was Egg. I have looked on my file using Noodle and can only see 3 years of non payments reported.

 

I am completely out of my depth here so appreciate any advice. This seems to be a waste of their time and money.

 

Should I request a CPR31.14 or is it best to submit a statute barred defence and leave it up to them to prove otherwise.

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Many thanks Backinthe black...I have updated your initial post with the particulars.

 

 

If you look at the following Notice this may provide in formation re the default dates and notices.

 

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?

I have recently received a notice in the last 6 months. I cannot locate any older notces.

 

Regards

 

Andy

We could do with some help from you.

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So we have ...What was the date of your last payment?

June 2009

 

Default placed on CRA file April 2011.

 

Of course that has no bearing on the date of the actual Default Notice...but gives you an idea of the time lag.... 17 months later (if issued after 3 missed payments)

We could do with some help from you.

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If the last payment was June 2009, then this is dead and buried. And it will be SB, so yes you can defend this on that basis, BUT check

your facts/documents/bank statements any correspondence you have regarding the account to make sure.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Well I would be submitting the statute barred defence...irrespective of the above...a debt becomes statute barred Under the Limitation Act 1980, which applies to England and Wales, a debt is considered to be statute barred when no payments have been made against it or where it has not been acknowledged* for six years.

 

* 5 in Scotland.

We could do with some help from you.

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  • 1 month later...

Good day and a belated best wishes for the new year. Thank you once again for the advice and support above.

 

I acknowledged the claim on the 16th and sent cpr requests to Restons and Arrow by recorded delivery, both signed for next day. I waited until the 11th and then submitted a defence which included statue barred and mentioned the spr request.

 

In the last week, I have received a letter last week from the court acknowledging my response and a copy of n434 form from restons who have resigned from the case.

 

I am unsure what to expect next as it seems to be a waste of time pursuing this in court but I head read on here that it is not unknown, in fact surprisingly common.

 

There are other debts which are now also owned by arrow and are close to also being statue barred but not yet. With this in mind, I feel it is best that I refrain from making any token full and final payments on this one.

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N434 is a change of Solicitor.....so as you state Restons have thrown in the towel...but the claim is still stayed pending any action from the newly appointed Solicitor.

 

Andy

We could do with some help from you.

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  • 3 weeks later...

Right then, first of all thanks once again for helping me make head and tail of all this.

 

Today I received a notice of proposed allocation to the small claims track I am required to complete a directions questionnaire within the next 2 weeks.

 

Is it appropriate to point out that this is statute barred?

 

 

Is mediation a waste of time?

 

As the cpr requests sent to Restons and Arrow have been ignored, I dont have a hell of a lot of information.

 

 

I have a photpcopy of the letters I sent in 2009 and I am trawling through my old bank statements to find the payments.

 

 

I also have the online credit report. Im unsure if there is a hell of a lot I can do about this?

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Right then, first of all thanks once again for helping me make head and tail of all this.

 

Today I received a notice of proposed allocation to the small claims track I am required to complete a directions questionnaire within the next 2 weeks.

 

Is it appropriate to point out that this is statute barred? yes

Is mediation a waste of time? no

As the cpr requests sent to Restons and Arrow have been ignored,

I dont have a hell of a lot of information.

 

I have a photpcopy of the letters I sent in 2009 and I am trawling through my old bank statements to find the payments.

 

I also have the online credit report. Im unsure if there is a hell of a lot I can do about this?

 

 

only use or refer to the documents they have or have not sent you

what you hold already is pretty much immaterial

its for them to prove it is NOT SB'd

NOT for YOu to prove it is

so. Failed CPR

failed CCA request

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I only have a few days to fill this in and return it, failure to do so could result in a default judgement.

 

So to answer the questions on the form, I believe that I should:

 

Agree to refferal to mediaaition?

 

Not agree to allocation to small claims track as the account is SB and they have ignored my CPR request?

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Yes to mediation and yes to small claims track..the rest are just tick boxes which are self explanatory....send to the court ...copy to the claimants sols...job done.

 

Andy

We could do with some help from you.

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  • 1 month later...

Good day to you all.

 

I have received a notice this morning from the court. The claimant did not complete their allocation questionnaire on time and as such the claim has been struck out.

 

Is this a positive outcome for myself?

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yep you won!

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Good day to you all.

 

I have received a notice this morning from the court. The claimant did not complete their allocation questionnaire on time and as such the claim has been struck out.

 

Is this a positive outcome for myself?

 

Excellent...does the order allow the claimant to set a side or vary ? usually within 7 days of the notice?

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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