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    • Thank you. Please will you repost your images in one single multipage PDF file – the right way round et cetera.  
    • And just to reiterate – I'm sorry if the message above sounds a bit harsh. We have to get the message out to other people who visit this thread as well. I realise that you are having a difficult time and we will do our best to help you, of course
    • The last photo shows the overflow carpark looking at the block which our room was located. When we got out of the car my partner thought that the building was for staff accommodation.  The unsecured bedroom window opened onto this car park.
    • Also I see that you are doing a lot of this on the telephone – and without any written confirmation. This is a big mistake. You need to start taking this matter seriously and so everything should go in writing. If you have telephone calls then they should normally be recorded. Read our customer services guide. You should make notes about every telephone call and then you should send an email to your telephone correspondence confirming what they have said or what they have agreed. It is important that you keep detailed paper trails here. Of course we may be jumping the gun and maybe big motoring world will step up to the mark – but I'm afraid that they have a lousy reputation has you have seen and so you need to start practising survival techniques and protecting yourself. You say for instance in your letter of rejection that the mechanic told you on the telephone that the gearbox needed replacing. Do you have any other evidence of this conversation? This is going to sound a bit harsh – but other people will be visiting this thread as well for their own purposes. You conducted their research about this company before you bought the vehicle. You now are fully aware that this is a company which can be very difficult to deal with and causes a lot of problems for many of their customers and yet you are still taking a telephone/verbal approach. Do I need to say any more? Also one of the documents you put up is an email exchange but it is not clear who is writing to who or what dates. If you showed this email to somebody in a pub they would be asking lots of questions about who sent the first message, who sent the second message, what dates were they sent et cetera. Please think about this before you post things. Please can you clarify the details of that email exchange. Please will you present the information carefully. We are all volunteers here and we have to rely on you to do the spadework
    • I told the DM that the room was not acceptable because of the reasons already mentioned. He informed me that they were full that night and that they could move me to the room next door (would not solve my problem with the rooms location). Told the DM that I could not stay in the room provided for the night so left no option but to leave. DM did not reply and I walked out.  
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    • 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
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Arrows/Shoos claimform - old M+S Credit Card debt


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The POC state in 1. that notice of the assignment has been provided to the defendant.

in 2. that a default notice has been served.

In 4. that C has complied, as far as is necessary, with the pre-action conduct practice direction.

 

Should I not refer somewhere to the solicitors' letter stating QUOTE You are not a party to the agreement they have with the seller, MBNA Europe Bank Limited, and are not entitled to a copy of the Deed of Assignment UNQUOTE

 

No...because a) its not referred to within their particulars and b) your not entitled to see the Deed of Assignment unless by way of a court order.

 

Plus you have already covered it in your point 3 (Notice of Assignment)

We could do with some help from you.

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My defense letter is OK is it? I've just been on to MCOL to see how to submit it but you have to go a page at a time........ Do I type all that letter again or can you copy and paste on their website?

 

Also, do I not say anywhere that I requested documents under CCA and CPR?

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you simply copy and paste it

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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Well you have put CPR 31.14 but not CCA so amend it to reflect the same.

We could do with some help from you.

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Yes its the correct word...relief from the agreement and relief to sue you for breach

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then the clock is ticking

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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  • 4 weeks later...
HM Courts receipt of defence dated 3rd November, received on 7th November, nothing else received since. (Informs you what happens after you submit your defence on that notice)

 

Do the court stay the claim and should it appear on my MCOL ?

See above and No to MCOL

 

Andy

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  • 1 month later...

Yes...we still do not understand that response.... been flying around the Forum for over 2 years.

 

If they are not the creditor then they cant issue court claims in their name...

 

If they bought the debt they are the assignee and now responsible under that legislation

 

Andy

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I thought that!?!?!? What to expect next? I believe it becomes statute barred in May.

 

No the clock stopped when they issued the court claim....4th Oct 2016

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  • 1 month later...

Okay so they have the agreement....what about the Notice of Assignment and Default Notice ?

We could do with some help from you.

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No...you already have asked.....its up to them now if they feel they have all the documents to proceed..they will make application to lift the stay.....nothing you can do now until /if they do.

We could do with some help from you.

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Thanks Andyorch. That request is made in the CPR to Shoes, yes?

 

Yes which you sent last October.

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  • 1 year later...

Good day good people!

 

I have committed the ultimate crime by shelving a letter from Shoos due to extenuating personal circumstances.

 

I received the attached letter dated 25 April together with:

1. Income & Expenditure form for completion;

2. 2-page signed CC Agreement form dated 10 May 2007;

3. 2-page Statement of Transaction up until 17 February 2008;

4. Copies of statements from 31 July 2009 to 28 February 2013

 

Today I have received the attached letter dated 18 July 2018 with exact same enclosures.

docs1.pdf

Copy credit agreement.pdf

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And the 2 page agreement ?

We could do with some help from you.

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can you scan up the agreement please as andy asked too?

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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After all these years, you are still a star!

You restore my faith in mankind :wink:

 

I shall endeavour to upload redacted pdfs tomorrow.

The link takes me to my redacted pdfs though so it may take a while.........

Thank you so much once again, and I shall strike tomorrow!

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