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    • Under the consumer rights act 2015, if a defect manifests itself within 30 days and you have a right to return the vehicle for a full refund. If any defect manifests itself within the first six months of ownership then you have a right to return the vehicle for a full refund subject to the retailers right to carry out a repair. If the retailer declines to repair or if the repair fails then you have the right to return. The problem here is that you have to assert their right. It's a bit ridiculous – but you have to do let them know preferably in writing that you are asserting your rights under the consumer rights act either the 30 day right or the six month right. I suppose that you haven't done this – which would be quite understandable because most people don't know that these rights exist and that they are subject to these conditions – the condition that the right must be inserted. It is frankly ridiculous. The dealers know it and we have lots of instances of this company delaying appointments et cetera and our strong suspicion is that they are simply trying to run their customers out of time. On the basis that you haven't asserted your rights, we now have to look to ordinary contract law. You are entitled to purchase a vehicle which is of satisfactory condition and which remains that way for a reasonable period of time. Clearly it is in satisfactory. They are blaming you. Has your independent inspection identified the reason for the defect? This will be important because as you have seen BMW are already saying it is down to your driving and you are going to have to produce evidence that it wasn't down to your driving and the you drove it absolutely reasonably and it was simply the condition of the car. Have you been without the car for any period of time. Is it driveable now? If the car was off the road for a substantial amount of time and was still off the road then you would be able to argue that this is a fundamental breach of contract and that you have been deprived of substantially the whole benefit of the contract and therefore you will be entitled to treat the contract as breached by Big Motoring World and insist on cancelling the contract. It may be that you will eventually be obliged to keep the car but have the repairs paid for. Have you had any quotations for the work that needs doing? I asked you questions about the MOT – but you haven't responded.
    • A 'violent left wing mob', comprised of a chap in a red hoody with a damp polystyrene coffee cup and a bit of wet cement, gets nowhere near cowering frightened farage some distance away on top of his double decker bus .. as farages security and support seem to film the incident grinning     Farage bravely flinches, grimaces and seems to almost burst into tears as the 'objects managed to travel a part of the way toward his position on top of his bus. His reactions honed by having a bit of milk splash him at a prior incident allow him to swiftly fall into a protective cower and grimace .. .. Sometime after, once the mob of 1 had been safely bundled away, farage apparently wipes his eyes of tears, and rising from his cowed and frightened pose, bravely shouts “I will not be bullied or cowed by a violent left-wing mob who hate our country.” .. however few they may comprise of.   https://www.independent.co.uk/news/uk/crime/nigel-farage-cement-barnsley-reform-uk-b2560501.html  
    • According to Parkopedia parking is limited to two hours.  I don't know how accurate this is though. What were you doing there for four hours?
    • no its friday 21st by 4pm if you'd done it properly and read the sticky in post 2 it clearly says: ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total)  if your defence filing date falls on a W/End, you must file by friday @4PM  
    • Have had a read up just to double check last day to file defence is 24 June (claim form date is 22 May)
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Allocation Hearing Milo v Barclays **WON**


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Sorry, didn't read far back enough as usual.

 

Now I realise you are further on, I am not too sure. My instinct would be to send your charges to the court ASAP with a letter just stating you enclose your schedule of charges (with claim number on). And maybe send the the bank another copy,

 

Don't rely on this though - I already cocked up the first post!

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When you submited the claim at MCOL, you should have sent a copy of the schedule of charges, which includes the 8% interest, with the Court Claim number supplied by MCOL on top. You should also have sent a copy of the same schedule to the Bank with the reference number found at the top of their letters to you. You should also include a covering letter asking that they place the schedule in the file they have for you and also mention that you have supplied a copy to the other party.

 

The Bank copy should be sent to:

The Litigation and Disputes Team

Level 29

at their Churchill Place address

 

and more importantly, the MCOL copy should be sent for the attention of:

 

The Court Manager,

at the MCOL address in Northampton.

 

The Judge has thrown you a lifeline - use it today.

 

As Karnevil has said, it's nothing to get unduly worried about provided you act now and continue to follow procedure here.

To follow my case progress, click here to see where I'm at right now.

 

Welshman

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Ok, so a covering letter and the charges WITH interest right?

 

What should I put in the letter, something along the lines of whats in the N1?

Barclays Bank - SETTLED - £4225.00

First National - SETTLED - £125.00

Lloyds TSB - SETTLED - £994.87

Capital 1 - SETTLED - £827.95

Online Finance - SETTLED - £349.60

Argos - SETTLED - £121.00

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Ok, so a covering letter and the charges WITH interest right? Yes

 

What should I put in the letter, something along the lines of whats in the N1?

 

At the top of the letter to the Bank include their reference number then the text something along the lines of

 

"Please find enclosed a copy of the schedule of charges which relate to my claim against you.

 

Would you please be so kind as to add this to the file in this case.

 

I have also sent a copy to The Court Manager at Northampton County Court for their information"

 

and to MCOL, the same text but obviously edited accordingly.

To follow my case progress, click here to see where I'm at right now.

 

Welshman

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So letter and list of charges to Barclays, Northampton county court and MCOL?

 

Why MCOL?

Barclays Bank - SETTLED - £4225.00

First National - SETTLED - £125.00

Lloyds TSB - SETTLED - £994.87

Capital 1 - SETTLED - £827.95

Online Finance - SETTLED - £349.60

Argos - SETTLED - £121.00

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So letter and list of charges to Barclays, Northampton county court and MCOL?

 

Why MCOL?

 

MCOL - moneyclaimonline, and the Northampton county court are one and the same thing, IMO - one to Northampton and one to the Bank. Unless I am wrong, when you issue through MCOL, it generally goes through Northampton until alocated to your local court.

 

HTH,

T

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sent a copy of the list of charges with interest to the bank and Northampton county court.

Barclays Bank - SETTLED - £4225.00

First National - SETTLED - £125.00

Lloyds TSB - SETTLED - £994.87

Capital 1 - SETTLED - £827.95

Online Finance - SETTLED - £349.60

Argos - SETTLED - £121.00

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So letter and list of charges to Barclays, Northampton county court and MCOL?

 

Why MCOL?

 

You read my post in the wrong way. The text within the quotation marks are what you place in both letters.

 

My posting actually told you to send one to the bank - including their reference number taken from their letters to you - telling them that you had also sent a copy of the schedule to MCOL for their information. And then my last paragraph told you to do edit the very same letter to MCOL with the Court Claim Number instead of the Bank reference number and that you'd sent a copy to the bank too.

To follow my case progress, click here to see where I'm at right now.

 

Welshman

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So, and my apologies if I am being thick here:-

 

1: One letter to bank with charges

2. Letter to Northampton County Court with charges.

 

And thats it?!

Barclays Bank - SETTLED - £4225.00

First National - SETTLED - £125.00

Lloyds TSB - SETTLED - £994.87

Capital 1 - SETTLED - £827.95

Online Finance - SETTLED - £349.60

Argos - SETTLED - £121.00

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Yes, that's it.

 

The exact text of my letter to each was:

 

Litigation and Disputes team

Level 29

1 Churchill Place

London

E14 5HP

 

 

Your Reference Number (From the top of their letters to you)

 

 

 

To whom it may concern.

 

Please find enclosed a schedule of charges in relation to the above claim.

 

The “Interest” column reflects the current running Interest total as at the (the date you print out the schedule plus the 8%).

 

A copy of this schedule has also today been sent to the County Court at

Northampton.

 

 

Yours Sincerely

 

 

also send an identical copy to the Bank, replacing their reference number with the Court Claim Reference number and that a copy has been sent to the Bank. Also put the respective reference numbers on the top of the schedules.

 

the full MCOL address is:

 

The Court Manager

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

 

Good Luck

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To follow my case progress, click here to see where I'm at right now.

 

Welshman

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Have a messed up big time???? Cannot believe I did that!

Barclays Bank - SETTLED - £4225.00

First National - SETTLED - £125.00

Lloyds TSB - SETTLED - £994.87

Capital 1 - SETTLED - £827.95

Online Finance - SETTLED - £349.60

Argos - SETTLED - £121.00

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This is what I sent:

 

Dear Sirs

Your Ref: *********

County Court Number: ***********

Please find enclosed a copy of the schedule of charges which relate to my claim against you.

 

Would you please be so kind as to add this to the file in this case.

 

I have also sent a copy to The Court Manager at Northampton County Court for their information.

Yours Faithfully

Barclays Bank - SETTLED - £4225.00

First National - SETTLED - £125.00

Lloyds TSB - SETTLED - £994.87

Capital 1 - SETTLED - £827.95

Online Finance - SETTLED - £349.60

Argos - SETTLED - £121.00

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So now do I just wait to hear from the court, or should I be sending an application for the removal of stay?

Barclays Bank - SETTLED - £4225.00

First National - SETTLED - £125.00

Lloyds TSB - SETTLED - £994.87

Capital 1 - SETTLED - £827.95

Online Finance - SETTLED - £349.60

Argos - SETTLED - £121.00

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bump!!!!

Barclays Bank - SETTLED - £4225.00

First National - SETTLED - £125.00

Lloyds TSB - SETTLED - £994.87

Capital 1 - SETTLED - £827.95

Online Finance - SETTLED - £349.60

Argos - SETTLED - £121.00

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anyone..................hellooooooooooooooo

Barclays Bank - SETTLED - £4225.00

First National - SETTLED - £125.00

Lloyds TSB - SETTLED - £994.87

Capital 1 - SETTLED - £827.95

Online Finance - SETTLED - £349.60

Argos - SETTLED - £121.00

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Is this ok to enter on the particulars?/??

 

I have a contract with Barclays Bank

conducted on their standard terms and

conditions. I am claiming return of money

taken by the defendant in the way of

charges over the last 6 years, totaling

£3165.The charges are a disproportionate

penalty and therefore unenforceable as they

are contrary to common law.Further,as a

disproportionate penalty they are invalid

under the Unfair (Contracts) Terms Act 1977

s.4 and under the Unfair Terms in Consumer

Contracts Regulations 1999.Para.8 and sch.2

(1)(e).In the event that the charges are

not a penalty then they are unreasonable

within the meaning of the Supply of Goods

and Services Act 1982 s.15.I have

repeatedly asked the bank to justify their

charges but they have declined.I claim

interest under section 69 of the county

court act 1984 at the rate of 8% a year

from 27/11/00 to 23/08/06 of £781.24,also

interest at the same rate up to the date of

judgment or earlier payment at a daily rate

of 8%.I therefore claim a total of £3946.24.

 

Just had a private message from someone saying I may have got this wrong. The bit I have highlighted in red, is that correct?

Is the daily rate the same as the 8% a year value?

Barclays Bank - SETTLED - £4225.00

First National - SETTLED - £125.00

Lloyds TSB - SETTLED - £994.87

Capital 1 - SETTLED - £827.95

Online Finance - SETTLED - £349.60

Argos - SETTLED - £121.00

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The 8% interest is per year, the daily rate is expressed in pounds and pence, i beleive it's 0.00022 times the the amount of you're claim, this will give you a daily rate.

To get a stay removed theirs a letter in the library.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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I claim

interest under section 69 of the county

court act 1984 at the rate of 8% a year

from 27/11/00 to 23/08/06 of £781.24,also

interest at the same rate up to the date of

judgment or earlier payment at a daily rate

of 8%.I therefore claim a total of £3946.24.quote]

 

So the bit I've highlighted in red is wrong.? it should read some like 0.07p per day!?

How can I changed this? I have read somewhere you can change your POC? - I don't want to lose the interest, thats now nearly £800.00

Barclays Bank - SETTLED - £4225.00

First National - SETTLED - £125.00

Lloyds TSB - SETTLED - £994.87

Capital 1 - SETTLED - £827.95

Online Finance - SETTLED - £349.60

Argos - SETTLED - £121.00

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Ok, so the spreadsheet just calculates the yearly interest? Is that correct. Because the figure of charges with interest is £3996.37 x the by 0.00022 is 87p a day.

 

Can anyone help with regards to changing my POC?????

Barclays Bank - SETTLED - £4225.00

First National - SETTLED - £125.00

Lloyds TSB - SETTLED - £994.87

Capital 1 - SETTLED - £827.95

Online Finance - SETTLED - £349.60

Argos - SETTLED - £121.00

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Your daily rate of interest only applies to the charges as Thailand pointed out hence 70p, ie; £3165 x 0.00022 = 70p

 

So claim would be "£3165 + 8% interest of £781.24 plus a daily rate of interest of 70p"

 

I believe you will need an N244 which is in the templates library and the fee is £35 to amend your claim.

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Ok, so £3165 * 0.00022 - 70p per day, and then the 8% per annum.

 

The n244 form looks complicated, any ideas on what I should put in there to explain why I need to ammend? Also, I assume the £35.00 is made payable to the county court (i.e Cheltenham)

Barclays Bank - SETTLED - £4225.00

First National - SETTLED - £125.00

Lloyds TSB - SETTLED - £994.87

Capital 1 - SETTLED - £827.95

Online Finance - SETTLED - £349.60

Argos - SETTLED - £121.00

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