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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.

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      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.
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      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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Directions Hearing Leeds


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stansfield, we are in with the big boys here. The legal system does not normally use Mercantile for litigants in person, especially those without legal training, so they are not geared up to help you PROactively, like the Small Claims court. They expect you to know it all from the start.

However I am sure they will be helpfully REactive, if you ask them for information or assistance.

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Hi Stansfield, I did'nt get mine from the courts either, if you check this thread there is the original which i posted b4, also a completed one.

If you cut it and paste it it'll work fine.

If you want me to pm you with the completed one i've done i will...we are all in this together.

Jenny:)

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Hi Stansfield, Did you manage to ring the court and see if you are in with us?

From other posts they are still adding to the list so there's a good chance you are.

 

Jenny

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Hi, I found a completed cmsheet on the thread in this group by Haydn who's cmc was 13th Oct...I hope its ok to use it...We can amend it to fit our individual cases but hopefully this is the right one..please say if it is'nt!!LOL

 

Jenny

 

 

 

Case Management Information Sheet

 

 

Before His Honour Judge Havelock-Allan QC

 

 

 

 

 

Part Filing: Claimants

Solicitors Acting: Claimants in Person

Date

 

 

Substance of case.

1. The Claimant seeks repayment of unfair & unlawful bank charges and interest.

Parties

2. Yes

3. No, although Taunton County Court may link other claims.

Statements of Case

4. No

5. Yes. We believe CPR 18 may only become necessary if the Court directs other than to a Small Claim. However, the Defendant has insisted the Claimant complies with the Defendants CPR Part 18, the Claimant therefore seeks the Court to order full disclosure and breakdown of the administrative cost incurred in applying the said charges.

Disclosure

6. Within 7 days of being requested by the Court.

7. No

8. Yes: List of charges made to claimants accounts and in respect of every charge, a breakdown specifying the amount of actual cost to the defendant and the amount of profit added, resulting in the total charge made to the claimant in each and every charge.

 

Capital One have paid me the charges levied on my account but not the interest. They say they have paid me the courts statutory interest rate at 8% but they haven't.

 

My question is, how would I adjust the cmc sheet above to reflect that fact?

 

I am claiming contractual interest by the way.

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Hi Too Strong.

 

I am not sure about that, The hearing is about the bank charges, not the interest...You might have to contact the court...or hopefully someone more knowledgeable can answer.

 

Jenny

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could someone post the court phone number up as I dont appear to have it nor have I had my hearing date yet although im on the list.

 

This page of the HMCS website should help you:

http://www.hmcourts-service.gov.uk/HMCSCourtFinder/

 

Cheers

 

Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

Please see the following copyright statement

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Capital One have paid me the charges levied on my account but not the interest. They say they have paid me the courts statutory interest rate at 8% but they haven't.

 

My question is, how would I adjust the cmc sheet above to reflect that fact?

 

I am claiming contractual interest by the way.

 

Just send a note to the judge explaining that they have part settled your claim but have so far refused to pay interst - (or fixed costs?) and so you want to reduce your claim accordingly but that it is still a live claim.

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If you contact court can you let them know that quite few claimants have not received notification of the 7th Feb hearing and perhaps they should contact everybody currently on the list again to confirm. I haven't received notification about my Barclays' claim, just the Ikano one, which was settled before I got the letter.

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Just send a note to the judge explaining that they have part settled your claim but have so far refused to pay interst - (or fixed costs?) and so you want to reduce your claim accordingly but that it is still a live claim.

 

Thanks for the replies. I actually phoned the court today and they said exactly the same thing.

 

Cheers

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Hi,

 

I've sent of my case management sheet today, I know its a tad early..but its in now..just more waiting now!!!

Jenny

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Hi CrispDust,

 

I've not heard anything yet, Have you? Has anyone else been offered settlement yet?

 

Jenny

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I've just received notification from the court today that I'm in on this list too... I'm claiming against First Direct. They have made me an offer but it's not for the full amount.

 

Sorry for sounding thick, but do people know how this hearing will work? Does the judge just make a decision that will be the same for all (eg: all charges are unlawful, refund the lot - or all charges should be £5, refund the difference etc.) or am I missing the point?

 

I have a couple of "legal" friends so will try to find out what this judge is like!

___

MBNA VISA - PL sent 23/10

MBNA MCard - PL sent 23/10

FD - PL sent 23/10, offered approx 75% 27/10

Marbles - PL sent 23/10, rejected letter received 27/10

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Hi Androobe,

 

I'm not sure what will happen as most never make it to court. Hopefully we won't get there either but on some posts about mercantile court its not as scary as we think.

 

Jenny:)

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I don't think any cases will be settled at this hearing. Directions hearing implies to me that the judge will decide how these cases should be dealt with, but I am far from convinced that they will be settled on the day. Having said that I don't think the banks will want to find out what the judge plans, so will settle in advance, possibly even on the court steps on the day. It has been known to happen.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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"so will settle in advance, possibly even on the court steps on the day"

 

Well court appearance will require some time off from my practice. I'm almost as bad as those legals chaps as I bill at £180 /hr.

So Barclays if you're watching this forum, pay up now or your bill will be considerably bigger.

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I don't think any cases will be settled at this hearing. Directions hearing implies to me that the judge will decide how these cases should be dealt with, but I am far from convinced that they will be settled on the day. Having said that I don't think the banks will want to find out what the judge plans, so will settle in advance, possibly even on the court steps on the day. It has been known to happen.

 

Spoke to the court today and they confirm what you say Caro.They told me they are still sending out paper work as they have a whole pile of them for 7/2/07.They also told me it would be better to attend if possible.but not essential.But to supply case info sheet with a letter to the court if not possible to attend.

;) If this helps please click the scales bottom left
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Zebby Yes you should otherwise the court might not recognise you. If your GF is not going to be there & although it's short notice (for the court) get a signed written authority from her allowing you to represent her

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"so will settle in advance, possibly even on the court steps on the day"

 

Well court appearance will require some time off from my practice. I'm almost as bad as those legals chaps as I bill at £180 /hr.

So Barclays if you're watching this forum, pay up now or your bill will be considerably bigger.

 

Regrettably there is a limit to what can be claimed, which was £9.50 an hour, but I think I saw a claim recently where someone got over £10.00 an hour. You would also need to itemise the time and how it was spent.

 

I suggest you start keeping a note of any time you spend on your claim now, although I'm not 100% sure if you can claim costs if your claim would normally follow the small claims track. Another phone call to the court to clarify this may be in order.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Got letter from court today saying that "the Judge has asked me to point out that amongst the directions that may be given or considered is allocation to the multi track in accordance with CPR 59 but it may also be appropite to consider orders for consolidation and directions aimed at selecting which is the most lead ,sample or test case or whether appropiate to treat this as Group Litigation"

;) If this helps please click the scales bottom left
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