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


cruzhughes

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Ok, thanks. As I see it - if the above is correct, the court should dismiss their repo claim due to there being no arrears and you're also 19 months in front.

 

Therefore, will not not be a satisfactory outcome for you for the time being?

 

Was the WS they submitted last week to do with explaining the reason for no interest being applied, and why they're still entitled to the payments agreed from the outset - only over a shorter term?

 

Sorry again for more questions.

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But in an ideal world the balance should have been wiped out due to IR, penalties and Ppi. From first rewrite.

 

However welcome sold debt on and no one can help due to the waiver.

 

The new company are not interested in all the problems. And issued repo without checking facts and not responding to me

 

Already around 30 grand has been paid towards the loan

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Welcome finance entered into a scheme or arrangement

 

https://blogs.lexisnexis.co.uk/randi/how-far-reaching-are-schemes-of-arrangement-re-welcome-financial-services-ltd/

 

This is why the Fos and fca haven’t been able to help me with the debt. Normally they would but their hands are tied due to this scheme

 

The judge already told me the charge was for further advances.

 

I need the judge to see that that 257 taken out in 2006 should have been discharged on settlement. And there was no link for the further advances and welcome should have registered a new charge for Loan 984 in 2008 but they didn’t there is no doc.

 

They are using the old charge for the repo

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Ok, thanks. As I see it - if the above is correct, the court should dismiss their repo claim due to there being no arrears and you're also 19 months in front.

 

Therefore, will not not be a satisfactory outcome for you for the time being?

 

Was the WS they submitted last week to do with explaining the reason for no interest being applied, and why they're still entitled to the payments agreed from the outset - only over a shorter term?

 

Sorry again for more questions.

 

Their witness statement last week. The figures are still incorrect

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Sorry to keep boring you with questions.

 

Are you determined to have the charge situation addressed by the court in the course of this claim, or are you simply using the anomaly to support your defence of their repo request?

 

Do you have any options in mind to address the charge later, should you succeed with getting the repo claim dismissed?

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There should be no repo if the legal charge was settled? Welcomes fault they didn’t Register a new one surely

 

Going on last hearing I’m 99% sure there will be no repo in next hearing.

 

The next hearing is set for 3 hours for the judge to re numerate.

 

Judge has said throughout that I can’t use IR in a possession case. I’ve also requested that he look at the history

 

Their Figures have been wrong from day 1.

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What are you thinking can be done then?

 

There are so many problems with the previous owners.

 

The new owners are well dodgy too and they have lied all along the way. Silly things in court docs about dates they purchased the loan amounts outstanding. Contradicting themselves and changing their story time and time again

 

One would have thought their story would be water tight if they are going around issuing these claims.

 

I also believe the next hearing is going to tackle the lot.and finish it once and for all.

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I’m expecting their skeleton about the 7th June and their bundle on the 12th June.

 

Next hearing is the 15th June.

 

So not going to have much time in between there to get stuff done.

 

That’s why I’ve tried to make a start already. Not sure if I was right but my thoughts were it could be amended and added to if need be?

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Personally, I think the judge will take the line that there are no arrears and may try to make an interpretation of the agreement terms to arrive at a repayment structure for you going forward. I reckon he'll deem the £18k as being owed. That's pure speculation obviously.

 

You may take the position that you're not paying another penny until certain concerns are satisfied, but who's to say how that will end up, and what effect it will have on the next hearing. You'd certainly be justified to stand firm on the charge being related to another loan - the Claimant has to prove otherwise.

 

I know your objective now is to get a skeleton argument written up for the hearing, and we'll come to that.

 

One thing I wanted to ask - have you read this document about cancelling a restriction? https://www.gov.uk/government/publications/notices-restrictions-and-the-protection-of-third-party-interests-in-the-register/practice-guide-19-notices-restrictions-and-the-protection-of-third-party-interests-in-the-register

 

Do you think you may have a case with regards applying to have the charge/restriction removed? (once you get this claim out of the way)

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lets put it this way

once those land shammy will be all over it like a fly..

 

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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I’m expecting their skeleton about the 7th June and their bundle on the 12th June.

 

Next hearing is the 15th June.

 

So not going to have much time in between there to get stuff done.

 

That’s why I’ve tried to make a start already. Not sure if I was right but my thoughts were it could be amended and added to if need be?

 

Could you bring forward what you've done already and post it here.

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I think the only way that charge will go is by a court ordering it.

 

I haven’t paid anything for 3 years.

 

But if I still owe then there are ways of sorting that. At less per month than 231. As I am not in the position to afford that amount long term

 

The claimant hasn’t been very good on proving anything. I’ve been the one questioning them

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I think the only way that charge will go is by a court ordering it.

 

I haven’t paid anything for 3 years.

 

But if I still owe then there are ways of sorting that. At less per month than 231. As I am not in the position to afford that amount long term

 

Going off subject a minute - who acts for WF in the event that a charge is contested? The charge is owned by an alias of WF, right?

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Going off subject a minute - who acts for WF in the event that a charge is contested? The charge is owned by an alias of WF, right?

 

 

There’s been a deed of variation. Me and about 30 odd other names and addresses on that doc. I paid for that from Lr

 

Already asked welcome to remove it and the new owners

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Dx you have real good knowledge on this saga.

 

I’m not barking up the wrong tree am I?

 

If that debt wasn’t sold straight after my disputes with welcome. I would t be in this situation now.

Would I

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Ok... once you get through this claim, would it be worth a bash at applying for a cancellation yourself on the grounds that the loan it secured was paid off? It might go nowhere, but might also go somewhere. If WF didn't administer things correctly, they may have no claim to the security contained within the 2006 charge.

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I have already been in touch with the LR since 2016 and they said the only ones could do anything is the owners.

 

To be honest the LR have not been that helpful but they have clearly told me there is no charge on property in 2008.

 

But I’m fully prepared to try anything dx will tell you we’ve exhausted every avenue that we could all the way through

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Land registry email

 

entry C4 on your title relates to a charge you took out with Progressive Financial services who subsequently went into Liquidation and a portfolio of their charges (over various properties) was sold to Alpha Credit Solutions on 17 September 2016.

 

Once a charge is paid the Loan Company should apply to Land Registry to have the charge dis-charged from the title. You will need to seek Legal advice on how to have this charge removed if it has been satisfied.

 

There is no entry of a charge dated 2008 in favour of Alpha Credit on your title so they would not be entitled to repossess your property.

Yours sincerely

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