Jump to content


  • Tweets

  • Posts

    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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

Me V Swift


mrsfoot
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5486 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 146
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Letter has been sent into DJ to ask for disclosure on actual figures, during a phone call to court today the Judge has the letter in fromt of him today and will make the decision on the order.

I suggest all cases now follow the advie and get disclosure. Remember unless it is diclosed neither of you ccan use it at the trial!

 

Link to post
Share on other sites

Have had response from DJ re letter. He know wants a formal application. Not sure why the clerk did not tell me this in first place :mad:

 

However I am going to email Swift sols and tell them what I am asking for....and offer to accept an out of court settlement...any thoughts??

 

Link to post
Share on other sites

They court did exactly the same with me - very frustrating!

 

Certainly I would follow through to ask the Judge to make a Part 18 order. In your approach to Swift's solicitors I would remind them of the responsibility placed on both parties to avoid the necessity of having to go to trial.

 

Clearly the information requested under Part 18 will be pivotal to the case, and by the defendant not providing this you will not be in a position to properly analyse it prior to any trial. This will cause a severe imbalance in the footing of the parties, and goes against the overriding objectives, in particular CPR 1.1(2)(a).

 

Worth a try!

 

 

 

 

 

 

Link to post
Share on other sites

Thanks Alan, i have emailed them with more or less exactly what you have suggested lol

 

Its very frustrating, especially when they mentioned they objected to orignal part 18 because it would be in witness statement and then it wasnt there!!!

I ahev worked closesly with another swiftie who mentioned they relyed on an audit report identifying that the financial dept was self funding, although they had not declared this and it was not shown in court. The judge just took theor word for it so i have requested that be dicslosed, along with other items Zoot hilighted in a post shoing their witness statment. Heres hoping i get what i want.

 

Starting to feel bit nervous about the whole fight to be honest, with all ERC being shot down at present, although mine is not ERC im still jittery!

 

Link to post
Share on other sites

Hi Mrs F

 

In the witness statement from Mark White paragraph 25 is the bit about the reviews that Swift make of the "Credit Control Function" & the statement that the costs of running that department is in parity with the income from the charges.

This is the very point I lost my case on, because the judge had to believe that statement from Mark White as he was under oath.

But if I had of had an application for a CPR Part 18 request already submitted then the judge would of made it an order an I would of won.

 

Make sure you've got that in & make sure you tell swift that you know I lost because I didn't.

 

Barry

:!:
Link to post
Share on other sites

Starting to feel bit nervous about the whole fight to be honest, with all ERC being shot down at present, although mine is not ERC im still jittery!

 

With claims that have ordinary charges, it should not be a problem to pursue the ERC part as well. If nothing else, it can be used as a bargaining chip later in the process.

 

The danger would come if they agreed to settle the charges part of your claim, but fight the ERC. At that point you would need to review your position - but until they start to talk realistic settlement figures you are on well trodden ground.

 

 

 

 

 

 

Link to post
Share on other sites

  • 2 weeks later...

Hi Mrs Foot.

 

Keep going! I am right behind you with my case and watching with interest!

 

It seems that the problems so far with ERC's are to do with proving that the ERC's are a penalty for breaching the contract. This isn't an issue with our case for charges against swift. Luckily I hadn't mentioned the ERC and at the moment I am keeping it that way!

 

What we have to prove in our case is that they make a profit from the credit control function by charging such high penalty charges. Barry has proved that it should be quite easy to shoot down their witness in court even for novices like us.

 

They admit in their witness statement that they carry out analysis of income received and expenses incurred from the credit control function. Unfortunately Barry didn't issue a part 18 request for them to disclose this information therefore the judge in his case had to accept the statement from their witness that the credit control function didn't make a profit.

 

If we can get the judge to order them to disclose this information we assume that this will show that they do in fact make a profit and will provide the evidence to allow the judge to rule in our favour. If they fail to comply with a court order to disclose the information then we can apply to have the defence struck out.

 

Hang in there!

Link to post
Share on other sites

One area that you will need to investigate is the level of automation. The disclosure I had from Bristol & West seemed to indicate that they have a computerised case log system.

 

This system automatically scans account activity against a criteria for intervention. The system will them make AUTOMATED decisions about whether to send out a letter, and which letter to send, or whether a case needs to be flagged up for a telephone call, or moved on to the collections department.

 

It is only when cases have moved to collections that some manual actions take place. HOWEVER, that does not mean a person is manually going through the file, and making individual decisions - they are merely responding to on-screen prompts.

 

Genuine manual intervention only seems to come where a file is moved to litigation - and only then where court action is imminent.

 

I posted this point elsewhere some time ago, and it was subsequently confirmed by someone who works within another company.

 

 

 

 

 

 

Link to post
Share on other sites

  • 2 weeks later...

Quick update

Request for further info disagreed with by Solicitors on the basis that I wanted this case to be heard in small claims and therefore the info i have requested is excessive and disproprtionate! they are insisting i can cross examine the witness on the day for further info and i will be given information for legal bills added to the account.

So now the Judge is presently making directions with regards to CPR part 18 request as of 8 days ago. Should hear something later today or tomorrow.

This is a list of what I requested:

*True copies of solicitors bills in relation to all actions completed on the account

*Thorough explanation, detailed accounts and process of arriving at the figures for the collection charges applied to the account

*Where the charge is purely an administration fee applied under the terms & conditions of the mortgage, I request that you provide certified details of how this charge was set, and the calculations used in the process of arriving at this figure including that fee relevant to page 7 item 22 of Mark White Witness Statement.

*Full and detailed explanation of letter producton and its relevant charges of between £35 and £100 per letter to include time spent and hourly rate of admn staff in relation to letter writing.

*Confirmation that letters are pre written and saved in library type system on computers. Solicitor has writen to say some letters are automated!!

*Details of the process between in house solicitors and administration. *How is access of the account gained? What adminitration action takes place when Solicitors already have full access to the system?

*The system AUDDIS runs through the company, so how are the administration charges set, what data is used to set the charge? Detailed accounts of manual administration work on the account to be provided.

*Process that is followed to check files.

*Evidence of file reviews and notes written between members of staff as reported in witness statment page page 7 section22 continuing on page 8.

*Evidence of bank charges for the charges Swift incurred through returned payments as in witness statement page 6 section 20 and 22 on page 8.

*Audit report based on self financing dept of credit control. Evidence that the charges applied to accounts do not unduly enrich the Defendant or do indeed cover the costs of running the department.

 

With regards to Barrypauls comments i have asked the Judge for the report they used verbally against you, I still believe they wont give it to me, however I have asked for disclosure so hopefully this will go for me if they refuse to show it. I am half hoping they continue to ignore the request for it then try use it in court or even better they deny any such report exists (but that is just big hopes lol)

 

Have emailed Solicitor with response to comments on small claims and initiated another effort at settling this out of court with regards to overriding objectives in particular 1.1 (2)(a) Thanks got to Alan for that info!

 

Quick query...in directions from allocation hearing it states defendant must send bundle to court not less than 7 days before trial, yet there is nothing about me sending mine or me receiving defendants bundle? Any thoughts??

 

Link to post
Share on other sites

Judge refused to make the order, on the grounds it was excessive for the case and that the majority of info i requested is in the witness statement. However there is no breakdown, no solicitors invoices etc......god how can they say there is justice when you cant even get on an even keel!

 

Totally cheesed off with this and feel like they can keep the bloody lot as it seems that the judge has already shown the colours of all the judgements that will be made on this case anyway

 

oh and dont need to do a bundle for the court or defendants according to the order and the court today. Makes me wonder whether I will even get a fair hearing if the court has the defendants info and not mine???

 

Link to post
Share on other sites

Who were the Solictors write direct to them and ask for the information on their bills under the Solictors Act as you are the paying party ask for it in 7 days and see what comes back i

  • Haha 1
Link to post
Share on other sites

Thanks. Where is that information from Bona if you dont mind me asking?

 

Thanks Kennyh been going through the transactions list with gusto this afternoon and have found some flaws in their argument so feel a litle better as we speak lol

 

Link to post
Share on other sites

My Solictor told me he asked for information from the solicitors quoting that they came back with copies of there breakdown of their bills it was quiet enlightning we then asked for further information they kept delaying and so we made an application the judge ordered their costs to be assessed, this can be expensive but you need not go that far just ask them for a brekdown of their costs to which " as the paying party you are entitled to " if they dont or wont report them to the Law socierty you have nothing to loose

Link to post
Share on other sites

Thanks Alan.

 

Got advice re the Solicitors Act and requesting litigation bills and because it was defendants who employed the solicitors and then charged my account for them I am not entitled to see the bill / ask for certification. But thanks anyway Bona, it was worth a try.

 

Link to post
Share on other sites

Thanks Alan.

 

Got advice re the Solicitors Act and requesting litigation bills and because it was defendants who employed the solicitors and then charged my account for them I am not entitled to see the bill / ask for certification. But thanks anyway Bona, it was worth a try.

 

See here on other sides costs - http://www.consumeractiongroup.co.uk/forum/post-566048.html the only option left is a costs draughtsperson whio is expensive.

Consumer Health Forums - where you can discuss any health or relationship matters.

Link to post
Share on other sites

Question guys....Swift saying they charge fees as they are sub prime lenders who deal with ppl with bad credit etc. Is it a strong argument for this point if i identify the fact that they were charging 8.28% Bank of Eng 4.25% (at the date of start contract) therefore earning more for their £ already in profit??

 

Not sure if i have explained correctly but hope u know what i mean lol

 

Link to post
Share on other sites

Hi

 

I think I may have made this point before. If you ask Swift why they charged you such a high rate and not in line with those charged by the high street lenders I'm sure that they will say that this is because they are taking a risk lending money to people with poor credit history as it covers the risk that you may default on the payments, this suggests that they have already priced for the possibility that you may not make your payments. You can then ask, but only when you have a statement from Swift confirming why it prices its mortgages in this way, if that is the case how can you make additional charges on non-payment?

 

If you don't get the statement you require you'll probably have to ask Swift outright. If you ask outright at the outset Swift will deny that its pricing coervs the risk of default. The idea here is to try to ambush Swift

 

regards

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...