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    • Hi. Welcome to CAG. How was the car purchased?  
    • Absolutely for the agreement they are referring to.... puts them on notice that this is going to be a uphill fight.   Andy 
    • Particular's of claim for reference only 1. the claim is for the sum of £6163.61due by the defendant under an agreement regulated by the consumer credit act 1974 for hsbc uk bank plc. Account (16 digits) 2. The defendant failed to maintain contractual payments required by the agreement and a default notice was served under s 87(1)  of the consumer credit act 1974 which as not been compiled with. 3. The debt was legally assigned to the Claimant on 23/08/23, notice on which as been given to the defendant.  4. The claim includes statutory interest under S.69 of the county courts act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £117.53 the Claimant claims the sum of £6281.14. Suggested defence 1. The Defendant contends the particulars of the claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.3 (3) in relation to any particular allegation to which a specific response has not been made. 2. The claimant has not complied with paragraph 3 of the PAPDC (Pre action protocol) failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st of October 2017. It is respectfully requested that the court take this into consideration pursuant 7.1 PAPDC. 3. Paragraph 1 is noted. I have in the past had financial dealings but do not recognise this specific account number or recollect any outstanding debt and have therefore requested clarification. 4. Paragraph 2 is denied. I have not been served with a default notice pursuant to the consumer credit act 1974. 5. Paragraph 3 is denied. i am unaware of any legal assignment or notice of assignment. A copy of assignment was sent by Overdales solicitors when acknowledgement of receipt of CPR request was received, but this was not the original.   6. Paragraph 4 is denied. Neither the original creditor or the assignee have served notice pursuant to sec86c of the Credit Consumer Act 1974 Notice of Sums in Arrears and therefore prevented from charging interest on debt regulated by the CCA1974. 7. The defendant submitted a request for a copy of the alleged agreement pursuant to s78 CCA 1974. The claimant has acknowledged receipt of request but has failed to comply. The claimant has failed to provide any evidence of balance or Default Notice requested by CPR 31.14 8. It is therefore denied with regards to defendant owing any monies to the claimant. therefore the claimant is put to strict proof to:  a.  Show how the defendant has entered into an agreement with HSBC. b.  Show and evidence the nature of breach and service of a Default notice pursuant to section 87 (1) CCA 1974. c.  Show and quantify how the defendant has reached the amount claimed for. d.  Show how the claimant has the legal right, either under statute or equity  to issue a claim. 8.  As per civil procedure rule 16.5 (4) it is expected claimant prove the allegation that the money is owed. 9.  Until such time the claimant can comply to a section 78 request he is not entitled, while the default continues, to enforce the agreement 10. By reasons of the facts and matters set out above, it is denied that the claimant is entitled to the relief claimed or any relief.     .
    • OK, well rereading the court orders from March, in the cold light of day rather than when knackered late at night, it is quite clear that on 25 June there will only be a preliminary hearing about Laura representing her son.  Nothing more. It's lazy DCBL who haven't read things properly and have stupidly sent their Witness Statement early. Laura & I had already been working on a WS, and here it is.  It needs tweaking now after reading the rubbish that DCBL sent and after all of LFI's comments.  But the "meat" is there. Defendant's WS - version 1.pdf
    • 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. 
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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 
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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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Having monitored this thread over the past few weeks, it seems some of you have ego's that will fill a room. That's fine in a personal capacity but not here. I, for one, am getting heartily sick of all this bickering which the mods then have to go in and decide what is best. That is part of our role. What we are not here for is to moderate a pi**ing contest.

 

CAG, as a community, will always get differences of opinion but if you lot don't know how to do so politely, what the hell are you doing here?

 

If you disagree, say so and put your explanation and links where there is any. if you cannot substantiate what you are saying then that is opinion, not fact.

 

Please don't make our (voluntary) work harder for us.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Having monitored this thread over the past few weeks, it seems some of you have ego's that will fill a room. That's fine in a personal capacity but not here. I, for one, am getting heartily sick of all this bickering which the mods then have to go in and decide what is best. That is part of our role. What we are not here for is to moderate a pi**ing contest.

 

CAG, as a community, will always get differences of opinion but if you lot don't know how to do so politely, what the hell are you doing here?

 

If you disagree, say so and put your explanation and links where there is any. if you cannot substantiate what you are saying then that is opinion, not fact.

 

Please don't make our (voluntary) work harder for us.

 

 

 

 

Why did you find it necessary to remove my signature Agent Provocateur

from my post No;250? While at the same time allowing a post by obiter dictum,

(post 63-Corbyn & the labour party).

 

I am beginning to wonder if there is one rule for some and another rule for others??

who contribute to the Bear garden.

 

Post aimed at me, made by OD:-I will return later, we have an Agent Provocateur, better

known as an inciting agent trying to cause trouble.

 

Its ok for him to call me that and get away with it is it?

The second part of his post well I just can’t be bothered to lower myself to comment on it,

and yet you have allowed it to remain but removed mine, why??

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http://www.independent.co.uk/news/uk/politics/brexit-eu-referendum-britain-theresa-may-article-50-not-supposed-meant-to-be-used-trigger-giuliano-a7156656.html

 

i predict that the courts will rule that Parliament must take decisions before a minister can trigger any EU treaty clause, because the EU referendum never contained any binding authority.

 

When they get around to looking at this properly and discussing it with EU/EU country leaders, they will come to the conclusion that triggering Article 50 with a supposed 2 year period to negotiate exit, is not the best way. Instead they will negotiate UK's position with the EU and see where it goes. Because the 2 year period can be extended, it could get pretty silly with financial markets looking at a timetable and investors looking at possible ways of making short term profits. And people who voted leave would be extremely annoyed if Article 50 time period kept being extended. Better to have meaningful negotiations within the whole of the EU to decide on new treaties. Those countries not in the Euro will want to see changes anyway. The EU can't keep

putting off not negotiating treaties because countries have referendum commitments.

 

 

Theresa May has let it be know she will use executive powers to enact Article 50,

rather than allow disaffected MPs the chance to obstruct its implementation.

 

A group of over a 1,000 lawyers, led by the firm Mishcon de Reya, is threatening

legal action against this, claiming the Government has no right to invoke Article 50

without consulting Parliament—and the referendum was only ‘advisory’.

What a bl**dy nonsense their litigation will fail any way, still they should make a lot

of money out of the tax payer who will have to pay for it.

 

At no point in the passing of the referendum Bill in the Commons was it ever declared

to be merely an advisory vote.

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I'm not sure why the taxpayer would be paying Mischon. I can't find a recent article, but this one from the Guardian says Mishcon are acting for anonymous clients. I wouldn't be surprised if that was big businesses.

 

https://www.theguardian.com/law/2016/jul/03/parliament-must-decide-whether-or-not-to-leave-the-eu-say-lawyers

 

HB

Illegitimi non carborundum

 

 

 

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This is taken from page 25, Chapter 5 of the Actual referendum Bill 2015-2016 from the Commons library

 

This Bill requires a referendum to be held on the question of the UK’s continued membership of the European Union (EU) before the end of 2017. It does not contain any requirement for the UK Government to implement the results of the referendum, nor set a time limit by which a vote to leave the EU should be implemented. Instead, this is a type of referendum known as pre-legislative or consultative,

 

which enables the electorate to voice an opinion which then influences the Government in its policy decisions. The referendums held in Scotland, Wales and Northern Ireland in 1997 and 1998 are examples of this type, where opinion was tested before legislation was introduced. The UK does not have constitutional provisions which would require the results of a referendum to be implemented, unlike, for example, the Republic of Ireland, where the circumstances in which a binding referendum should be held are set out in its constitution.

Edited by obiter dictum
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I have reluctantly come to the conclusion that there really is

no point in continuing to post in the Bear garden, it has

become so one sided, not in respect of the subjects, but

in the censorship and bias of site team members.

 

I have never been aggressive to other contributor, although

I cannot say the same about some of the other members

who contribute, (not all) who are allowed to get away with

anything, with no come-back just because

their politics is the same as the moderators.

 

I have been warned on a number of occasions, over comment

I am supposed to have made, yet other contributors have said

the same thing, and it has been allowed, this is pure victimisation,

there is a complete bias on one side, this is wrong and should

not be allowed, but then if it’s the same politics as the team

then it’s ok.

 

One of the most annoying, actions taken by the site team is to

delete part of a post thereby changing its content, with no

explanation, it seems to be a case of I can do what I want like

it or lump it.

 

Like other members who have been forced to leave because of

the I’m always right attitude of the mods, I have decided to lump it,

(not that you really care anyway) and make no more

contributions to the Bear Garden, which allows you to talk among

yourselves.

 

I also think you should change it to the Kintergarden as it much

more reflects what goes for a discussion forum.

 

I expect this post to be deleted, as that seems to be normal practise in the kindergarden.

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http://news.sky.com/story/japans-unprecedented-warning-to-uk-over-brexit-10564585

 

This article concerning warnings by Japan should interest everyone whether pro or anti Brexit.

 

When you think about all of the issues that affect pretty much everything across the current EU, triggering article 50 is going to be the start of a very very long process. The 2 years allowed by article 50, which can be extended is a ridiculous short period to negotiate an extremely complicated divorce. There are a huge number of businesses that operate across the UK and EU mainland which will require the UK government to obtain a deal that does not affect their businesses. Just take the Film making industry, where studios like Pinewood, will do all of the studio work and the film producers will shoot across Europe. It is easier because they employ production staff that can work across Europe, without the hassle of having separate visa requirements for each country they film in. After Brexit, it might mean that British staff working on the film in the UK have to be replaced by say French staff in France etc. They already employ some in other EU countries to make it easier on location. But after Brexit, Pinewood could lose work and people who work the film industry lose work as a result.

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To be honest I think May's honeymoon is well and truly over. She needs to make some tough decisions. There is still a huge body of opinion , both Tory and non that want to remain . Some will think that the decision has been made but want to remain central to Europe if separate.

 

Personally I think she has a poisoned challace and will be unable to produce anything that remotely works. How much longer has this economy got to suffer, It seems that things fell off a cliff in 2008 and have never recovered, well at least the proletariat I.e the average working/retired/sick/unemployed/student etc. It seems that every move made has been aimed at causing least harm to the wealthiest.

There is no incentive to save, and I u deist and they want us to spend our money to boost the economy but we are storing up a bigger pensions problem fir the next generation.

 

Those who have savings that they live on are not eating into those savings because investment return is so low .

 

Employers are still giving no pay rises and in some cases pay cuts .

Any opinion I give is from personal experience .

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Unclebulgaria

 

People cannot just dismiss this from Japan as they use the UK as a gateway into the EU. The japanese as a nation are a private people and do not usually make press releases such as this unless there are real concerns at senior levels. It will only take one major company to instigate the domino effect

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Unclebulgaria

 

People cannot just dismiss this from Japan as they use the UK as a gateway into the EU. The japanese as a nation are a private people and do not usually make press releases such as this unless there are real concerns at senior levels. It will only take one major company to instigate the domino effect

 

Correct. Foreign businesses that have decided to base themselves in the UK have done so partly because the UK is part of an EU consumer market of 500 million people.

 

The UK is an important market, but if the conditions are not helpful after any Brexit, companies will start making decisions which are right for their businesses. You can bet that EU countries are going to start competing for companies currently based in the UK servicing EU mainland, to move to EU mainland, so they are nearer to where their consumers are.

 

Brexit will be hugely complex because behind the scenes businesses are going to be lobbying government about the negotiations and telling them what they need to continue operating in the UK. Then add on top of that you will have Trade Unions, Consumer organisations, Human Rights, Legal professionals etc, all telling government what they expect to see continue after any Brexit.

 

Theresa May won't be in a position to trigger article 50 during 2017, because there will be no agreed positions on Brexit negotiations that can be taken forward. I don't think Theresa May, Boris Johnson, David Davis and Liam Fox agree on many issues, if the media articles are accurate. If they can't agree, then the Tories won't be able to take the process forward with any conviction. At some point, Parliament will have to get involved and they can block it, if they don't think it is in the interest of the UK.

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How can we live in a dictatorship when we are a parliamentary democracy?? It is up to the rulling executive to put these things to a parliamentary vote, not the people. We elect these people as our representatives to make those decisions on our behalf.

 

I find it strange the main argument for Brexit was UK Parliamentary Sovereignty, yet choose to ignore that fact when it does not suit then

Edited by obiter dictum
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I voted in giving them the EU the benefit of the doubt, knowing of wasted money and over bloating it was a difficult decision to make. Nice idea at the beginning but it seems set to fail over all. Brexit excites me and the markets. No point in having referendums if they're not heeded. People do matter even though there are some in power who don't think so.

 

Yes I agree CD sour grapes comes to mind. What would have happened if the vote had been to stay in............

 

Shame that little word 'advisory' was never given the media attention OB then people would have seen more clearly the farce of a referendum

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I'm a simple guy, I was asked the question, in or out of the EU, I wasn't tricked, conned, misled, etc. I voted out on understanding the question. Some people didn't like the result but in an honest straight forward way, the only possible response is 'well that's life, some you win some you lose'..

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Brexit is not a definite and people will have to wait and see what happens.

 

In Germany people are getting fed up with immigration and Germany having to support the EU with so much money, with the possibility that they will have to bankroll tne EU much more in future years.

 

In Hungary they have a current protest going on sponsored by their government not to accept the EU quota requirement on migrants.

 

The same is happening in many countries. A backlash against the EU and pressures caused by migration.

 

It is quite possible that the EU will have to accept major reforms and a new treaty. This might happen before any Brexit and then the government will be faced with a problem. It is law in the UK to hold a referendum on EU treaties and if the EU were to produce a new EU treaty, there would have to be a new referendum.

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