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    • Hi just typed all defence clicked next and it's deleted all. Any help
    • I forgot to say, there is one last possibility and that is that they will receive your letter of rejection and simply fold, accept the rejection and refund you. Don't wait too long for this. Seven days maximum – but in that seven days you could send your letter of claim anyway and when that you don't hear from them or when they start mucking around at least you are seven days closer to beginning the legal action – and they will know it (which is the important thing).
    • Okay that is excellent that you have an email between the garage and the warranty company confirming that there is a serious problem with the gearbox. That is very powerful evidence. I think the situation is this: you have sent them a letter of rejection but the reputation of big motoring world is that they won't take a lot of notice and they will try to prevaricate and maybe even blame you. Clearly you don't want the car any more and anyway it sounds as if the cost of repairs is going to be enormous. You don't know if the warranty company is going to step up to the mark but the whole thing is going to take a long time and I understand that you have lost confidence in big motoring world because of this event and also their reputation which you are now discovering on Facebook and on this forum and no doubt elsewhere. On the basis that you don't want the car any more and you want your money back, you need to hurry things along. I think the first thing is that you need to decide if you are prepared to bring a claim in the County Court. Even without the warranty money, the claim is worth more than £10,000. For actions less than £10,000, you bring a "small claim" and this means that even if you lose the case you won't be liable for the other side's costs. If you win the case then not only will you get your money plus interest but also you will recover all of the costs of the action. For actions more than £10,000, you go to something called the "fast track" and in the event that you lose the case, then you could be liable to reimburse the winner some of the costs. This means that in addition to not recovering your own money, you would lose your own court fees and also you would have to to bear the costs of the other side probably something less than £5000 – but as a rough guess. If you bring your court claim then your chances of success are almost 100%. Frankly if you brought a court claim then I can imagine that big motoring world will put their hands up and pay you out rather than face go to court and losing and getting a judgement against them. However, it you need to consider that this is a risk factor – although my view it is a negligible risk factor. If you did bring a court case, it wouldn't be instant. If they put their hands up then it would probably happen very quickly. If they didn't put their hands up then you could take anything up to a year for the matter to be resolved and during that time you would be without your car and without your money and in the middle of litigation. I'm explaining this to you say that you understand how it works. Bring a court case would be really the last resort when everything else has failed. However, I'm quite certain that you would win and it would be stupid of big motoring world to try to resist. In order to bring a court case you would have to send a letter of claim giving them 14 days to accept rejection and organise the refund otherwise you would begin the claim. Don't imagine that you could bluff this. If you did send a letter of claim then you would have to go through with it otherwise you lose all credibility and you might as well pack up and go home. So with this in mind, here are possible courses of action you could take. You can simply wait and see what their reaction to your letter of rejection will be. However they may not reply or else they may find some other reason to delay and of course during that time you will be without your car and without your money blah blah blah, not knowing if big motoring world were going eventually to start acting sensibly and respectfully towards you. The second thing you can do – and I think this has been suggested on Facebook – is that you can go along there and simply make yourself present and talk to other customers and generally speaking make a nuisance of yourself and embarrass them to the point where you would be explaining to other potential customers to be careful, to look on Facebook, and to do some careful research before they put their business to big motoring world. This has a reasonable chance of success although you would have to be careful. You should go accompanied by a friend and there should be no anger, no arguments, nothing that could be considered as being overly aggressive so that big motoring world would have no justification in kicking you out or even worse, calling the police. If you did this, then I would suggest that you record everything on the telephone carried in a pocket. A fully charged battery will probably keep a voice recorder and a telephone going for more than 20 hours or 30 hours. The other person can video any incidents so that everything is clear and you can inform big motoring world then it will be going up on the Internet. If you did this, my favourite option would be to issue the letter of claim giving them 14 days, and then going along to big motoring world with a copy of your letter of rejection and a copy of the exchange between the mechanic and the warranty company and a copy of your letter of claim – all settled together – and probably about 20 or 30 copies in all and I would start handing them out to any customers who came in. Big motoring world will soon get the picture and they will either move your the premises in which case you stand outside and carry on doing it or they will finally give in. Of course there is a chance that they won't give in and they will simply call your bluff – but in that case I think you have no choice other than to follow through with your 14 day threat in the letter of claim and to begin the legal action. At the same time you should be putting up reviews on Google and also trust pilot explaining exactly what has happened and also explaining that the mechanic has confirmed to the warranty company that there is the serious problem, that you have asserted the right to reject and that this is been ignored by big motoring world and that you have now sent a letter of claim and that you will be starting a legal action in 14 days. Once again, don't bluff about the legal action. If you threaten it – then you must mean it – and on day 15 you click of the claim. You don't need a solicitor for any of this. It's all fairly straightforward and of course we will help you all the way that it the decision is yours to make and I think you need to make it fairly quickly. I think the cost of starting an action for about £13,000 is 5% and then also if it goes to trial which I would say is almost impossible – there would be an additional fee. You would claim interest at 8%. A judge might award a lower figure but frankly if you can show that big motoring world is attempting to ride roughshod over your very clear statutory consumer rights, I can imagine that the judge will want to show displeasure by awarding the full 8% which is a pretty good rate – even though it's not compensation for the hassle and the distress you are going through. If you decide to get solicitor, then if you win the case, because it is over £10,000 you will recover some of your costs but you won't recover all of them. If the solicitor begins by having exchanges of letters then I doubt whether you will be up to recover the cost of those and you could easily find that you're chalking up 500 quid or even a thousand simply on initial exchanges of correspondence. Also you need to bear in mind that if after having exchanges with a solicitor, big motoring world cave in – then you definitely won't get those costs back because you won't have gone to court and therefore a judge will not have made the order for payment of those costs. I suggest very strongly that you avoid paying any money for a solicitor and that you do it yourself. It's not a big deal – although you will have to you react quickly to the help we offer on this forum. Also, an additional benefit is that you will learn a lot and you will gain confidence and eventually you will feel good about suing anybody else who gets in your way. Nothing not to like! If you do decide to instruct a solicitor then you must take control of the solicitor. Most of them prefer to sit in an office writing letters on the clock. If you do decide to instruct a solicitor then you must instruct the solicitor very firmly that they should send one letter of complaint giving seven days. A second letter – a letter of claim giving 14 days and that they must then begin the action. If you don't do this. If you don't take control then it will simply cost you money, you will be without your car even longer and of course without your money. The whole thing is a nightmare. I think I've laid out the options but please do ask questions. I hope you can see that this is the kind of advice that you won't be getting on Facebook. Nothing against Facebook. It's good as a meeting place and to make people realise that they aren't on their own – but after that the advice given is weak and confusing.  
    • What makes you say that?  I have no idea how I would go about that or why they would even entertain discussions now that they've won the Court case
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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 
      • 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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PLEASE HELP!!! Moorcroft


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Hi,

 

Please help I am very stuck!!! About a year and a half ago i defaulted with t-mobile. They referred me over to moorcroft debt recovery and I paid off the debt in 3 months. Now recently when i applied for credit I was refused so i took at look at my credit report and found that it still says i owe t-mobile £250!!! Now as I dont have the moorcroft reference number anymore as it was a good while ago, moorcroft explained there is no way of finding me without it? now even if i do sort it out due to moorcroft not passing the money on to t-mobile it will still show on my credit record that i have not paid it for 1 and a half years? Is there anything legally i can do about this?

 

Please help

 

Many thanks

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Hi,

 

Please help I am very stuck!!! About a year and a half ago i defaulted with t-mobile. They referred me over to moorcroft debt recovery and I paid off the debt in 3 months. Now recently when i applied for credit I was refused so i took at look at my credit report and found that it still says i owe t-mobile £250!!! Now as I dont have the moorcroft reference number anymore as it was a good while ago, moorcroft explained there is no way of finding me without it? now even if i do sort it out due to moorcroft not passing the money on to t-mobile it will still show on my credit record that i have not paid it for 1 and a half years? Is there anything legally i can do about this?

 

Please help

 

Many thanks

bump

Just hate every DCA out there

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Hello, is there a referance on your credit file for it?

if not get in touch with T-Mobile and ask what their reference number was, and go from there, Moorcroft will be able to find you, they just won't want to bother, so when you find this info out, do a data protection request on them.

 

Good luck, for what it's worth I found moorcroft don't care, once they have your money.

Saxon

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Hello, is there a referance on your credit file for it?

if not get in touch with T-Mobile and ask what their reference number was, and go from there, Moorcroft will be able to find you, they just won't want to bother, so when you find this info out, do a data protection request on them.

 

Good luck, for what it's worth I found moorcroft don't care, once they have your money.

 

Hi, thanks for the reply.

They managed to find me after another 10 minute call of arguements! Anyway, they said i have paid up along time ago and are going to send me a settlement certificate. But as far as t-mobile are concerned, they have never recieved the money from moorcroft? The main problem is that this has been on my file all these years without me knowing and has effected my credit rating badly as I have found out the hard way. Is there anything i can do in terms of claiming against them for this?

 

Thanks

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Hello, make sure you hound moorcroft til you get this letter, then copy it and send it to t-mobile. you can ask them to remove the default as you have paid the account a long time ago, they may or may not do this all you can do is ask.

 

As for them not recieving any funds from moorcroft, t-mobile need to take that up with them.

 

Someone else with more knowledge may offer alternitive advice or how to proceed if t-mobile aren't playing nice with you.

 

Again good luck.

Saxon

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Sounds like Moorcroft bought the debt, which means it would have had nothing to do with t-mobile from that moent one.... and they kept the money for themselves.

 

Once you have the settlement certificate from T-mobile, come back on here for advice on how to approach Moorcroft.

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  • 3 months later...

Is is actually legal to buy a debt ? - I have a catalogue debt that has been 'sold' (by their admittance) to Moorcroft who are continually hassling me. Surely my debt is with the catalogue and not a collection agent. !

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Sounds like Moorcroft bought the debt, which means it would have had nothing to do with t-mobile from that moent one.... and they kept the money for themselves.

 

Once you have the settlement certificate from T-mobile, come back on here for advice on how to approach Moorcroft.

 

 

If thats the case (collectors buying the debt) then why when they introduce themselves do they say (i.e) Moorcroft on behalf of 'whoever' ??

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If thats the case (collectors buying the debt) then why when they introduce themselves do they say (i.e) Moorcroft on behalf of 'whoever' ??

 

Who knows.. ? I know for a fact that Moorcroft have bought one of mine because it says so in the SAR info from the OC.... yet they are continually telling me that they are going back to their client for this and for that....

 

As for a catalogue debt... CCA Moorcroft (rec. delivery). It is highly unlikely that they will have it because most catalogues don't issue them in the first place. This makes the debt unenforceable in court.

 

;)

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OFT Guidelines would seem to cover Moorcroft's 'on behalf of' when in fact they own the debt:

 

Para 2.2© those contacting debtors not making it clear who they are, who they work for, what their role is, what the purpose of the contact is

 

Then again, they employ utter cretins, so it's most likely to be simple stupidity and poor business practice on their part rather than a deliberate attempt to mislead.

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Guest Mincemeat

There are two types of purchase of debt. One where the DCA buys everything, the other where the DCA buys it, but if they are unsuccessful, they can give it back. They also can just work for the original creditor.

 

You are never actually going to find out the status of this relationship until you get a judge to order disclosure.

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OFT Guidelines would seem to cover Moorcroft's 'on behalf of' when in fact they own the debt:

 

 

 

Then again, they employ utter cretins, so it's most likely to be simple stupidity and poor business practice on their part rather than a deliberate attempt to mislead.

 

 

You are right about them being cretins,. i was once informed (by a potential bailiff) that he wrote off someones debts by sleeping with them !! :o

Any possibility of a link to the OFT section youve quoted ? Thanks

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Today I have received in the post a letter from Moorcroft (Pre court division)

Titled. '' Notice of Intended Litigation'

To prevent the above action send payment in full before 26/5/07 or telephone.......immediately.

If you do not respond to this we will assume you are purposedly avoiding repayment ofd this debt and will take the necessary steps to secure settlement which may include issuing legal action against. Please note if legal action is necessarty your debt will increase as follows:- It then gives varying amounts for things such as court fees, solicitors costs etc.. totally £115 (on top of original debt)

I had called them 2 weels ago and was told that 'i had to' pay £30 a month, I explained that it was too much for someone on Job seekers allowance, they insisted that was the amount that they required.

Do I call them and say im in the process of obtaining a CCA from them (posted yesterday) or ignore the letter.

Thanks in advance for any reply.

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If you sent the CCA by rec. delivery... then check to see if it's been delivered. There is a no. on the back of the slip... which tends to be more reliable than the RM website.

 

If it's been received.... ignore their letter ;) . They need to respond to your request within a legal timeframe and should be well aware of their responsibilities under CCA law. If the 12 working day default passes without them sending you an Agreement... then they can be reported to the OFT for a criminal offence if they continue to harrass/threaten you with legal action.... over an unsubstantiated debt.

 

:)

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If you sent the CCA by rec. delivery... then check to see if it's been delivered. There is a no. on the back of the slip... which tends to be more reliable than the RM website.

 

If it's been received.... ignore their letter ;) . They need to respond to your request within a legal timeframe and should be well aware of their responsibilities under CCA law. If the 12 working day default passes without them sending you an Agreement... then they can be reported to the OFT for a criminal offence if they continue to harrass/threaten you with legal action.... over an unsubstantiated debt.

 

:)

 

Thanks for replying

I would imagine that the CCA request has crossed in the post with their letter me.. I think i'll wait a few days then check to see if the request has been received and then sit tight and wait and see what happens.

Im not disputing that I owe the amount, just that their ways and means of obtaining unreasonable payment from me is not justified... They want to play games, im all for it.. I can play too. :)

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Guest Mincemeat

I've had a number of letters from their pre-court division over the years. Hang tough, things are not as desperate as they (obviously) try and make out. Wait for the CCA response (if any) and, as this is from a catalogue account, the chances are you'll get your cheque / PO back from them stating it has been passed back to their client.

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I've had a number of letters from their pre-court division over the years. Hang tough, things are not as desperate as they (obviously) try and make out. Wait for the CCA response (if any) and, as this is from a catalogue account, the chances are you'll get your cheque / PO back from them stating it has been passed back to their client.

 

 

According to Moorcroft this has already been referred to court in January. I had previously agreed to pay the catalogue £5 a week (was made unemployed shortly before hence the repayments) and defaulted on it.

Moorcroft also told me id filled in one of there expenditure forms and sent it back (dont rcall doing this) and theyd agreed to £5 a month again, which i dont remember either (old age maybe?) Anyway, have come to yet another agreement with them to pay the £20 arrears and then £5 a month thereafter. I guess its got to be paid one way or another.

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bit of advice

 

catalogue debts are largely unenforceable, as you are not required to sign a CCA before you buy from them

 

there is no way that moorcroft will comply with your CCA request, as the document you have requested does not exist ;)

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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bit of advice

 

catalogue debts are largely unenforceable, as you are not required to sign a CCA before you buy from them

 

there is no way that moorcroft will comply with your CCA request, as the document you have requested does not exist ;)

 

 

So does that mean i dont have to comply with their payment request, despite the fact that its been to court (they say) and they have accepted £5 monthly payments that I defaulted on. ?

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Have Moorcroft taken you to court for a CCJ on this debt ?

 

 

According to them yes. I may have filled in one of those forms stating my outgoings etc but i truly dont remember just how official it was (could i request copies) ? the first i recall of moorcroft is them posting something thru the letterbox stating a rep had called. The debt is with Next catalogue, i called them earlier this week and they said the debt had been sold onto moorcroft but moorcroft say they are acting on behalf of next.

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This is typical Moocroft.Just ignore any communication from them wshich does not respond to your CCA request. You can write to them after they have been in default for 30 days telling them that you are suspending payment until they provide your CCA and ask a judge to enforce it.

:lol:
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This is typical Moocroft.Just ignore any communication from them wshich does not respond to your CCA request. You can write to them after they have been in default for 30 days telling them that you are suspending payment until they provide your CCA and ask a judge to enforce it.

 

 

Even though (according to them) its been to court once already ?

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Guest Mincemeat

I'd ask for them to put the fact it has been in court to the test by providing the reference number you can check on-line. Also, as you are unaware of any court action, you will be petitioning to the court for a set aside. If they did have a court order the bailifs would have been round about two months ago.

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