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    • Thank you. Can you explain what part needs to be amended. I’m sorry, I don’t understand which part is referring to right to reject. Should I be including  they are in breach of contract because the vehicle is not satisfactory quality. Clearly because of the way the windscreen was fitted it was not satisfactory quality when it was purchased and it has not remained in satisfactory condition for a reasonable period of time – witness the leakage and the corrosion in the car.    instead of    Therefore, I expect Doves to take responsibility for the costs incurred, as per the Consumer Rights Act 2015 “should a fault appear outside of 6 months, it's for the consumer to prove the fault was present at time of sale”     
    • I agree with you, UB. More parties might not be such a bad thing. More on Farage's manifesto - sorry, contract.  
    • Sorry but first of all you are still referring to your six-month right to reject – but you didn't assert your right within six months so this is not relevant. The situation is that you cannot reject the vehicle unless it is a write off or you have been deprived of the use of it for a significant period of time so that it can be said that you have been deprived of substantially the whole benefit of the contract. By my understanding that is not the case here. Your complaint must be that they are in breach of contract because the vehicle is not satisfactory quality. Clearly because of the way the windscreen was fitted it was not satisfactory quality when it was purchased and it has not remained in satisfactory condition for a reasonable period of time – witness the leakage and the corrosion in the car. On this basis you are holding them responsible for the cost of repairs which are £XXX and any ancillary costs reasonably incurred as a result of their breach of contract. You are currently without the car and this is not a situation which can continue. You are enclosing the evidence plus quotations for repair and you want that by the end of the week you want them to agree to the repairs. Broadly that. Please post a draft as soon as possible. You don't want to hang around on this
    • Hello folks  Got a letter from overdales the day after I submitted my defence this contains a copy of credit card agreement and a letter stating the account has been sold to lowell. H
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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
        • Like

Welcome secured loans/charge - sold to Alpha/Prime -repo received - ***Claim Dismissed***


cruzhughes

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AFAIK you don't need to print anything

the defence and the exhibits can all be a PDF file you email to them.

 

te hearing is weeks away , if you need to send printed

then that can be dealt with later.

 

lets see if can find the email ad..

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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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 have to file and serve other party’s and pay a counterclaim fee.

 

I knew things would cause a massive problem with me being away and no signal for the first few days. hasn’t helped.

 

I emailed you it again with the exhibits and them being referenced

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fee can be paid over the phone to the court

you can email lightfoots your defence

the file you sent be has no exhibits inc?

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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:lol:

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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Share on other sites

you must have a coversheet for each exhibit

the coversheet must give the exhibit No. and the title or something that ID's the exhibit if it gets detatched

i'd put everything in a sequential PDF file

 

defence

exhit 1 cover

exhibit 1

exhibit 2 cover

exhibit 2

 

etc etc.

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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Share on other sites

I thought I may. Thank you

 

Just need to decide if all the exhibits are nessesary or not.

 

I wish I’d been told weeks ago what exactly this defence entailed amd how to go about doing it. As I really feel I’m not getting the just of what I’m doing here.

 

I’m not the type of person who ignores things and leaves till last minute as it fills me with dread.

 

I’m more worried if I cock it up it’s game over and everything seems more of a mess now

 

All this is way over my head

 

Do I need to even use all them exhibits. They took me to court with 3.

 

I’m a defendant not a claimant what am I even trying to prove here with all mine!

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that their claim is flawed

you are doing fine.

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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Did you get my inbox about the exhibits with each loan listed on is that provided them with too much info as it’s all the rewrites and don’t know whether that’s too much to give to court and solictors as it’s like I’m providing them with all info that they could defend with

Defenceopen.doc

Exhibits court.doc

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1086 has them but hidden bar you and us

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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Share on other sites

The ones I refer to is exhibit 3 dated 25/3 and Exhibit 8b dated 17/10 as they list each loan and start date and account from day one

 

And shows loan 6 257 date started we have the evidence to show it was settled on 3/4/2006 legal charge doc.

 

But the next one 303 taken out on exactly same date

 

My thoughts are if I put these in they have the trail and the link between the lot.

 

So won’t have to do much to defend against me

 

The exhibits that are missing from 1086

 

2a loan agreement 257

2b loan statement 257 showing settled on 3/4

 

3 letter from prime 7/7/2017 confirming they have credited account with £8,163.29 from welcome and the balance that was £26.954.52 is now £18,791.23

 

Does a costs list go in with this too

Defence and exhibits (1).doc

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latest attached above and hidden

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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Girlfriend has just opened this came today

 

They are having a laugh

 

Dec 22nd Payment arrears £5416.83 plus fees and other charges £211.60

=statement total overdue balance £5628.43

 

Yet 24th jan

Payment arrears £5648.32 (£19.89 more than overdue balance last month)plus fees and other charges £453.60

=statement total overdue balance £6101.92 should be £6082.03

 

What are they playing at?

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I think that will have to go as it is now.

 

If it’s wrong it’s wrong. Nothing I can do now it’s too late.

 

I’ve tried my best.

 

But for someone who’s clueless on court procedures. And who still doesn’t know the difference between a witness statement and a defence or even how to lay one out that makes sense.

 

Even by reading numerous threads on here and still not getting it.

 

I hope the last 2 weeks haven’t been waste of all our time.

 

It maybe an idea to put a template of a witness statement, a defence, conclusion and a counterclaim on here . So others can see the difference and the layout expected cos trawling through threads to find stuff is frustrating when you can’t find what you need and neither can you distinguish what they are for and why and when you use them.

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The guidance I’ve had from day one has been amazing and I don’t think I would have gotten anywhere without your help,

 

And dx I’m sorry you’ve had to trawl though so many docs and try and get to the bottom of things.

 

 

:-)

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its a defence , no WS on repos

 

that's fine, it might be better to send them .doc files rather than .docx files

 

if you are happy with whats in 1089

I've already made them .doc

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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lots of water between now and the hearing date .

 

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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Share on other sites

Court ...Claimants Sols.......file...3 copies

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