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    • Speaking of the reformatory boys, here they are with all of their supporters, some of whom traveled with them from miles away, all carefully crammed together and photographed to look like there were more than about 80 .. rather like Farages last rally with even fewer people crammed around what looked like an ice cream van or mobile tea bar ... Although a number in the crowd apparently thought they were at a vintage car rally as they appeared to be chanting 'crank-her'. A vintage Bentley must be out of view.   Is this all there is? Its less than the Tory candidate. - shut up and smile while they get a camera angle that looks better
    • in order for us to help you we require the following information:- Which Court have you received the claim from ? Canterbury If possible please scan redact and upload a full page copy of page 1 of the claim form. ( Name of the Claimant ? Moneybarn No 1   How many defendant's  joint or self ? One Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 29/05/24 Acknowledged by 14/06/24  Defence by 29/06/24  Particulars of Claim PARTICULARS OF CLAIM   1.  By a Conditional Sale Agreement in writing made on 25th August 2022. Between the Claimant and Defendant, the Claimant let to the Defendant on Conditional Sale. A Ford Ranger 3.2 TDCi (200 P S) 4x4 Wildtrack  Double Cab Pickup 3200cc (Sep.2015) Registration No, ******* Chassis number ***************** (“The Vehicle”).  A copy of the agreement is attached   2.  The price of the goods was £15,995.00.  The Initial Rental was £8500.00.  The total charge for credit was £3575.;17 And the balance of £11,070.17 was payable by 59 equal consecutive monthly instalments of £187 63. payable on the 25th of each month.   3.  The following were expressed conditions of the set agreement,   Clause 8: Our Right to End this Agreement  8.1   Subject to sending you the notice as required by law, any of the following events will entitle us to end this Agreement: 8.1.2  You fail to pay the advance payment (if any) or any of the payments as specified on the front page of this agreement or any other sum payable under this Agreement. 8.1.3 If any of the information you have given us before entering into this Agreement or during the term of this Agreement was false 8.1.4 We consider, acting reasonably, that the goods may be in jeopardy or that our rights in the goods may otherwise be prejudiced. 8.1.5 If you die 8.1.6 If a bankruptcy petition is presented against you; if you petition for your own bankruptcy, or make a live arrangement with your creditors or call a meeting of them. 8. 1.7 If in Scotland, you become insolvent or sequestration or a receiver, judicial factor or trustee to be appointed over any of your estate, or effects or suffer an arrestment, charge attachment or other diligence to be issued or levied on any of your estate or effects or suffer any exercise, or threatened exercise of landlords hype hypothec 8.1.8 If you are a partnership, you are dissolved 8.1.9 If the goods are destroyed, lost, stolen and/or treated by the insurer as a total loss in response to an insurance claim. 8.1.10 If we reasonably believe any payment made to us in respect of this Agreement is a proceed of crime. 8.1.11 If steps are taken by us to terminate any other agreement which you have entered into with us.   Clause 9.  Effect of Us Terminating Agreement   9.1 If this Agreement terminates under clause 8 the following will apply 9.1.1 Subject to the rights given to you by law, you will no longer be entitled to possession of the goods and must return them to us to an address as we may reasonably specify, (removing or commencing the removal of any cherished plates) together with a V5 registration certificate, both sets of keys and a service record book. If you are unable or unwilling to return the goods to us then we shall collect the goods and we'll charge you in accordance with clause 10.3 9.1.2 We will be entitled to immediate payment from you for all payments and all other sums do under this agreement at the date of termination 9.1.3 We will sell the goods or public sale at the earliest opportunity once the goods are in a reasonable condition which includes a return of the items listed in clause 7.1.4 9.1.4 We will be entitled to immediate payment from you of the rest of the Total Amount Payable under this agreement less: ( a) A rebate for early settlement ias required by law which will be calculated and notified to you at the time of payment (b) The proceeds of sale of the goods (if any) after deduction of all costs associated with finding you and/or the goods, recovery, refurbishment and repair. Insurance, storage, sale, agents fees, cherished plate removal, replacement keys, costs associated with obtaining service history for the goods and in relation to obtaining a duplicate V5 registration certificate   4, The following are particulars required by Civil Procedure Rules. Rule 7.9 as set out in 7.1 and 7.2 of the associated Practice Direction entitled Hire Purchase Claims:-   a)     The agreement is dated 25 August 2022. And is between Moneybarn No1 Limited  and xxxxxxxxx under agreement number 756050. b)    The claimant was one of the original parties to the agreement. c)    The agreement is regulated under the Consumer Credit Act 1974. d)    The goods claimed Ford Ranger 3.2 TDCi ( 200 PS) 4x4 Wildtrack Double Cab Pickup 3200 cc (Sep2015} Registration No ^^^^^^^ Chassis number ***************** e)     Thw total price of the goods £19570 f)     The paid up sum £1206 5 g)    The unpaid balance of the total price £7505 (to include charges) h)    A default notice was sent to the defendant on 20th February 2024 by Firrst class post i)      The date when the right to demand delivery of the goods accrued 14 March 2024 j)      The amount if any claimed as an alternative to delivery of the goods 7505 22 include charges ]= 5.  A the date of service of the notice the instalments were £562.89 in arrears. 6. By reason of the Termination of the Agreement by the notice, defendant became liable to pay the sum of £7502 7. The date of maturity the agreement is 24th August 2027. 8. Further or  alternative by reasons of  the Defendant breaches of the agreement by failing to pay the said instalments, the Defendant evinced an intention no longer to be bound by the Agreement and repudiated it by the said Notice the claimant accepted that repudiation 9. By reason of such repudiation the claimant has suffered loss and damage.   Total amount payable £19570 Less sum paid or in arrears by the date of repudiation £12064 97 Balance £7505 (to include charges.) ( The claimant will give credit if necessary for the value of the vehicle if recovered.)  The claimant therefore claims 1.    An order for delivery up of the vehicle 2.    The MoneyClaim to be adjourned generally with liberty to restore,  Upon restoration of the MoneyClaim following return or loss of the vehicle. the Claimant will ensure the pre action protocol for debt claims is followed. 3.    Pursuant to s 90 (1)  of the Consumer Credit Act 1974. An order that the Claimant and/or its agents may enter any premises in which the vehicle is situated in order to recover the vehicle should it not be returned by the Defendant 4.    further or alternatively damages 5.    costs.   Statement of truth The Claimant believes that the facts stated in these Particulars of Claim are true. The Claimant understands that the proceedings for contempt of court may be brought against anyone who makes or causes to be made a false statement in the document for verified by statement of truth without an honest belief in its truth. I am duly Authorised by the Claimant to sign these Particulars of Claim signed Dated 17th of April 2024   What is the total value of the claim? 7502   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No   Never heard of this   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? n/a Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? No   When did you enter into the original agreement before or after April 2007 ? After  Do you recall how you entered into the agreement...On line /In branch/By post ? In a garage  Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes  Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Original Were you aware the account had been assigned – did you receive a Notice of Assignment? n/a   Did you receive a Default Notice from the original creditor? They said sent but nor received   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? None seen   Why did you cease payments? Still Paying,   What was the date of your last payment? Yesterday  31st May 2024   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes on 12 Feb 2024   What you need to do now.   Can't scan, will do via another means as you cant have jpg
    • Now that is an interesting article which adds afew perspective that I hadn't thought significant - but on reflection of the perspectives offered ... Now Starmer is no Blair, however 'blairite he may be perceived, but the Tories aren't tories and aren't even remotely liberal   The fast 'unannounced and unexpected election call from sunack may well be explained by the opinion linked that he hoped reform would be unprepared and effectively call a chunk of Farages largely empty bluster - making him look even more of a prat, leave scope for attacks on shabby reform candidates and mimimise core vote losses to reform - while throwing the 'middle ground' (relative) tories TO THE DOGS - and with the added bonus of likely pacifying his missu' desire to jogg off to sunny cal tout suite somewhat   thumb in the air - I expect about 140ish tory seats, but can hope for under a hundred Reform - got to admit the outside possibility of 1, maybe 2 seats with about 8% of the vote - but unlikely. I think projections of over 10% of the vote for reform is nudged and paid for speculation - but possible with the expected massive drives from Russian, Chinese and far right social media bot and troll prods targeting the gullible.
    • Commentary June 2024 WWW.ELECTORALCALCULUS.CO.UK Interesting article about just how bad it could be for the Tories.  Also Tories could be hoping on Reform not having candidates in many seats, as they were not ready.  
    • Even a Piers Morgan is an improvement and a gutless Farage Piers Morgan calls for second Brexit referendum WWW.THELONDONECONOMIC.COM Piers Morgan and Nigel Farage have faced off over Brexit and a second referendum in a heated reunion on BBC Question Time.   “Why don’t we have another referendum about Brexit?” he questioned. “I seem to remember when 2016 came around we were told there was going to be control of our borders and it was going to be economically beneficial to this country. And eight years later we have lost complete control of our borders… and economically it seems to have been a wilful act of self-harm.”   ... Piers missed off : after all somebody said a 48/52 decision would be "unfinished business" by a long way - was that person just bul lying (again)  
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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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Used car faulty - help


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My husband brought a car and part exchanged his as part of the deal. The car was brought on the 15/5 and a fault became apparent the day after. While sat in traffic the engine overheating light came on as did the check oil light and upon inspection we found there to be no oil in the car aswell as no water.

 

My husband refilled the oil and coolant levels and it was very clear that the car was losing water rapidly. We took it to our trusted car mechanic who diagnosed that the water pump had gone on the engine. Knowing this we contacted the used car dealer where we brought the car and they wanted us to give them the car for inspection in their garage ( to which they said they probably wouldn't cover it as the warranty was for engine and gearbox only.)

 

We didn't want to take it back to them as it appears they falsely stamped the service book with their garage stamp as services should include change of oil filters and fresh engine oil which wasn't done and also they said we could not have a refund because they had to replace the gearbox and clutch on our p=x car and that if we wanted to go down that route we now owed them more for repairs to the p/x car. (We had told them about the clutch as that is what we were told was wrong with it). We got the water pump changed at our cost with the intention that we would try and get a partial refund or start court proceedings however yesterday 2/6 5th gear is jumping out of gear under any acceleration.

 

Does anyone know where I stand with what's happened prior to yesterday and also yesterday as to whether I must let them repair/look at the car or whether I can get it repaired and claim later? The garage owner was aggressive and am quite worried about returning.

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Please will you tell us what is the name of the garage.

The Consumer Rights Act basically says that where a defect occurs within the first 30 days then you are in principle entitled to a refund or a replacement vehicle – at your choice. The notion of defect basically means that the car is not of satisfactory quality. On the basis of what you say, it is clear that it is not of satisfactory quality – meaning that it doesn't meet up to the expectations of a reasonable consumer.

However, we have seen problems where people have tried to return vehicles or even return them only to find that later on the garage has gone out of business. Frankly we are finding that very often this "short-term right to reject" which is provided in the Consumer Rights Act is not straightforward to enforce if you don't have a decent reputable garage. From the sounds of it, your garage doesn't seem to be very interested in respecting your rights/their contractual duties.

On that basis you might be better off getting the damage repaired and then selling them.

Start off by telling us the name of the garage. Have you had an estimate for repairs?

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The dealership is indeed a small 3 man band in the village I live in so I don't really want to say their name as it could be incredibly outing and they also own a garage in the city where the service was stamped before we viewed the car. 

 

 

We have already paid £511 for the water pump and timing kit to be changed as was adhered to change the timing belt die to potential contamination of coolant degrading the belt. We don't intend to claim for the belt so the cost of the pump was around £400.

 

We don't have a quote for current gearbox problem yet and don't want to sell the car as once it's done it should be a good motor.

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I'm sorry but you are completely wrong to withhold the name. This helpful to us. Also if the garage happens to discover that you are posting about it here then it will make them realise that there is more at risk then simply having to pay you out your money. It will also protect others – especially as you seem to be saying that they have at least two outlets.
The consumer problems which are post up on this website are intended to inform and to help everyone who comes here and not simply the particular individual which has posted the thread.

 

I'm afraid I don't really understand why you want to protect people who take your money and then try to rip you off by refusing to carry out their full consumer obligations.
 

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Thank you.

I suggest that you get a quotation for all the work that needs doing to put the vehicle into the condition that it should have been in when you bought it – meaning the condition that a reasonable consumer would expect it to be.

You must keep a paper trail – meaning that you must inform the seller of the vehicle at all times what you are doing and any expenses which are likely to be incurred. However to begin with you must assert your right to reject the vehicle. This means that you must write them a letter immediately, inform them of the various faults which you have discovered and tell them that you are asserting your right to reject the vehicle under the Consumer Rights Act and that you want them to discuss a refund of your money.

Even if you are going to reject the vehicle – you must assert this right so that your position is reserved.

In a separate letter inform of the fault is that you have discovered so far and of the work that you have carried out to date. Include receipts for the work. When you are getting further problems assessed, you should get hold of two quotes and provide them both to VB. Invite VB to inspect the vehicle themselves and to query any quotes but warned them that you will be carrying out the work within X number of days as you consider that it is your duty to mitigate your losses. Tell them that you will then be approaching them for full reimbursement plus any ancillary losses and tell them that if they will not cover all of your reasonable expenses then you will have to bring a legal action against them.

Come back here when you have the quotes so that we can understand exactly what is wrong and how much it is going to cost.

Finally, please can you tell us something about the vehicle. What kind of vehicle is it, age, mileage, and cost.

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Can we please know the make, model, price and mileage of this car?

A £200 15 year old corsa with 250k miles on the clock would be seen by the reasonable person as a scrap.

Differently from a £20k 3 year old merc with 15k miles on the clock. 

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Thank you.

Do you think that £1495 is the of it? Could it be worth more?

What can you tell us about the new engine? Was it a recon engine? Was it new? Have you been provided any paperwork/evidence for it?

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Values of the car on honest john indicating cars value.  It was priced on forecourt at £1475. Presumably with fake service it would have been worth less?  Repairs total as far as £400+ 2 days after purchase. It's going to the garage as we speak to see what the fault is with 5th gear. 

Screenshot_20190603-135752_Samsung Internet.jpg

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Okay. I'm only asking you about its value because you should be careful about spending more than its value on repairs. On the other hand if you think the car is especially good for you then if you do spend more than the value then make sure that you are fastidious about letting the dealer know.

He also should understand that if you do try to sue for the full value of the repairs, if VB Cars decided to defend, they might raise the issue that you had bought a second-hand vehicle with 140,000 miles on the clock and you were entitled to expect a brand-new waterpump or a brand-new gearbox and that any money claim might be reduced to reflect that.

On the other hand, if they judge was persuaded that VB Cars hadn't been straight with you, the judge might be very much less sympathetic with them. In terms of any work that they had found it necessary to do on your part exchange vehicle, – that is tough on them and they would not be able to rely on it against you. They are effectively a professional firm which holds out a certain expertise and you are merely a consumer and so in terms of their purchase of your vehicle from yourselves, they have bought the vehicle "as seen".

 

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Thanks for the advise, I know we shouldn't expect a new water pump or gearbox however in relation to the water pump there would have been no water in the whinge or very little as as soon as it got into any traffic queue it overheated and would have blown the engine.

 

The pump was so bad that when we did put water in it it dipped then run out of the pump. If there was water in it at the forecourt we would have seen it after the short test drive.

Screenshot_20190603-141510_Messenger.jpg

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I think the chances of your claim being reduced for a water pump are negligible. Don't worry about it – but a gearbox might be a different issue. On the other hand if it is simply repair rather than replacement then once again it is far more likely that you will be able to reclaim your entire loss.

Of course you can simply sue them for the value of the vehicle plus your expenses reasonably incurred. To my mind it would be reasonable to sue for a refund of the purchase price plus the cost of the water pump.

However it probably means that you would have to take the vehicle off the road and not spend any more money on it. I think it will be quite reasonable to sue for the entire £1495 and not worry too much about the complication of the part exchange vehicle seeing as they have apparently carried out work on it. If you wanted to do this then we can help you. It's very straightforward and on the basis of what you say, you will win – but don't expect it to be very quick. I think you'd expect it to take up to 6 months.

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To put it bluntly you exchanged a scrap for another scrap slightly better.

Unfortunately at 140k miles all cars start giving trouble and a water pump is just too common.

Gearbox? Who knows.

I had a fiat punto running on original gearbox for 200k miles, but i also had an s500 blowing a gearbox at 40k miles.

Luck of the draw.

To reply to bankfodder, I'm not too convinced that any judge would sympathise with the op.

Cars of this standard (end of life) are simply a big gamble and everyone knows it.

I would personally try to resolve with the dealer, possibly by getting px car back.

How much money would be exchange to cancel the whole deal would be a matter for negotiation, after all the dealer fixed the px car (so he says) 

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I partly disagree. You say that there has been a simple exchange – but this is not quite true. There has been a consumer purchase from a dealer. There has essentially been a private seller purchase to a dealer. These are very different and have different rules.

I agree that the easy thing to do would be to get your part exchange car back – but you are still out of pocket by about £500 for the water pump. You have no guarantee of the quality of the work which has been carried out to your part exchange vehicle – if indeed any work has been carried out at all. If you get your old vehicle back and it breaks down because of faulty work then you will have another litigation problem because you can be certain that the dealer will refuse to cooperate with you in anyway.

Getting your part exchange vehicle back might be the easiest in the short run – if you are prepared to write off your 500 quid for the pump. However as I have explained you are then taking a risk with their so-called repair of your old vehicle.

The cleanest way to get out of this is to sue them for your money back plus reasonable expenses of the water pump but it won't be a quick solution

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Merely an observation, but £1495 seems like a lot of money(?)

 

Five years ago we had a Toyota Avensis written off ('53 plate, just over 100k on the clock, reasonable condition, "short engine" had been replaced by Toyota outside of warranty).  We researched all the guides prepared to negotiate any offer, and were happy to accept c. £1800.  I'm pretty certain it would have been less than a grand now.

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It's not 2004 I got that wrong it's a 55 plate. 

 

To update our garage believes the gearbox is shot and needs a replacement box, contacted the dealer who wants it in their garage tomorrow first thing. So that's where we are at the moment, otger half is going to sit in their garage tomorrow while they look at it.

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Our garage confirmed it's very likely the gear box is indeed shot. Taken back to the dealer yesterday who wanted it in his garage this morning. 

 

His mechanic agreed after looking that the gearbox is bad so having gone back to the dealer he is now saying that f1 autos have broke the gearbox ( they only test drive it) and he was going to speak to his mechanic. I got the feeling he isn't going to do anything and he is still not accepting the car back. Our part exchange car is sat in his garage minus a gearbox as we speak.

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Thank you. Please keep us updated

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Dealer was meant to ring us back today to see what he was going to do after speaking to his mechanic and hasn't so tomorrow we are going to the garage to advise we are rejecting the car unless he repairs it. 

 

Is there a template letter I should be using for the rejection? It's also come to our notice that the car has been sold to us with an outstanding safety recall which they were not allowed to do.

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No we don't have a template letter – but all you've got to do really is to point out the faults in the car – including the outstanding safety recall which you believe could be illegal under the Road traffic act section 75 and you are therefore asserting your rights under the Consumer Rights Act to reject the vehicle and require a full refund either of the total purchase price or of the price paid plus the return of your part exchange vehicle in the condition that it was in before the contract. Also tell them that you have incurred £X X X bosses which you recently incurred in reliance on the contract and you require those as well.

Frankly I would turn into a letter of claim and say to them that if all of this does not happen within 14 days then you will start an action in the County Court for the recovery of all your losses plus interest plus court costs and without any further notice.

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