Jump to content


  • Tweets

  • Posts

    • Yes typed it, how would I input it any other way, probably timed out took over half hour. H
    • You typed it in? actually typed it all out? if so, maybe you took too long or something, like session timed out. Does the status show defence filed or no change?
    • 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.  
  • Our picks

    • 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
        • Like

Urgent Attention Please Read - Claims in Scotland


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5308 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Interesting post but i have to admit i tried to understand it all but i failed. Am i right in saying that as long as the first claim was won without going to court(bank not defending etc) then i can plough ahead with the second?

 

What is a UTCC?

 

I'll go have another read of this but teh big words confuse me :o(

Link to post
Share on other sites

  • Replies 415
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

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.

Link to post
Share on other sites

Hi Malx...I live inScotland, but as claimwas for nearly £2000, I filed at Berwick and Morpeth County Courts. (Small claims limit in England is £5000) You can also claim back 6 years this way! Claim settled within 26 days, before they even issued their defence! Hope this helps:)

Link to post
Share on other sites

hey guys how u all getting on?? any more success yet??

 

ive now left my complaint to the FOS My last prelum letter, the bank was late in replying, havent sent them another LBA, (first one asking for my copy of charges) It took me months to get my copies of charges sent to me, and i fairly enjoyed highlighting the unfair charges - i got a sore hand - lol! :)

 

i have spokn to the financial ombudsmen now, hopefully they will pull teeth out the clydesdale bank now... sent them a copy of all of my letters i have sent to the bank and all the letters i have recieved from the bank including the copies of my charges which are all highlighted!! they also asked me for my first reference that was on my first letter from the bank, im sure it will all be in safe hands now??

 

i dont still send the bank my LBA now surely??

__________________

Thanx for your help again,

 

Caroline x:p x

Thanx for your help again,

 

Caroline x:p x

Link to post
Share on other sites

Answered on your thread. It'll be interesting to see how you get on and how long it takes.

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.

Link to post
Share on other sites

hey caro, just recieved a check for £200 not happy!! my original claim was for about £1600... told The FOS And there going to deal with it! they told me to send a letter with the chaeck explaining im not happy and im not accepting that final offer.... are there any template letters i can send to the bank with my check?? x

Thanx for your help again,

 

Caroline x:p x

Link to post
Share on other sites

I am ready to send off my first letter to lloydstsb claiming back £2500inc interest. however I live in Scotland and the account was opened here.

i've looked at moneyclaim online but this needs an address in england for papers to be served.confused-smiley-013.gif

is there a way around this?

 

I've heard that small claims are limited to£750 in scotland. is this true?

 

if so how do i go about getting my full claim answered?

 

if not. how exactly do i go about making the claim through the scottish courts?

Link to post
Share on other sites

I am ready to send off my first letter to Lloyds TSB claiming back £2500inc interest. however I live in Scotland and the account was opened here.

i've looked at moneyclaim online but this needs an address in england for papers to be served.confused-smiley-013.gif

is there a way around this?

 

I've heard that small claims are limited to£750 in scotland. is this true?

 

if so how do i go about getting my full claim answered?

 

if not. how exactly do i go about making the claim through the scottish courts?

 

 

Klumpy - how about starting your own thread here (if you haven't already!)

 

No problem about using the English system - if you go MCOL - just use a friend's address in England or rent a PO Box for a wee while!

 

You can use an English Court as well - Berwick upon Tweed springs to mind.

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

Link to post
Share on other sites

  • 2 weeks later...

I Have no luck at all :(

 

HOW U GETTING ON??? IM NOT HAPPY!!

 

ok guys!! i spoke to the FOS about my claim, they told me to send the £200 check back to the bank /solicitor last month which i did, they were going to try and get me the full amount instead!! they have been in touch with the bank and there now refusing to give me any money!!!! so its now in the banks hand to supply the FOS Detailed reasons why they should not be giving me my money back!! :sad: this could take up to 6 weeks!!! - if all fails i will take them to court!! i will have all the info i need by then!! its soooo obvious they are in the wrong!!! x xx x

__________________

Thanx for your help again,

 

Caroline x:p x

Link to post
Share on other sites

Pitman, the same happened to me so I just submitted the court papers, I wrote to Capital one also after serving the papers saying that I would like to know who shall be representing them and I look forward to meeting them on 31 July 2007. A week later I was refunded!

:DABBEY-WON! £1,359.34

:confused:CAPITAL ONE WON £1,523.27+£39court fees.

Link to post
Share on other sites

Congratulations!!! how much did u get back?? where do i get court papers from?? and how much does it cost me?? I Dont have a clue where to start regarding taking them to court!? x

Thanx for your help again,

 

Caroline x:p x

Link to post
Share on other sites

Ok received response from LTSB regarding initial claim for refunding charges with interest. there is NO mention of this claim against them, however they have suggested that my complaint is about cancelling my charges. where do i go from here, is it a bit early for LBA?

Link to post
Share on other sites

I have just had both claims (one small claim one summary cause) returned today from the sheriff clerks office in Edinburgh. It says the reason for returning the forms is:

 

The interest stated in box 4 must be designed as having a start date and an end date of the calculation period. It cannot be designed as 'from the date of service for each charge'. Some examples of how interested should be stated: 1) 8% annually from x date to x date. 2) 8% annually from x date until payment. 3) 8% annually from x date to date calculated as £x, and continuing at said rate from x da until payment.

 

I followed the instructions to the letter on each of my claims and am at a loss as to what to do now! When I filled in box 4 of the summary clause summons I wrote : The pursuers claim from the defender the sum of £1,253 with interest on that sum at the rate of 8% annually from the date of service for each charge (together with the expenses of bringing the action)

 

The small claims action was worded identically with the amount claimed the only difference. I attached a schedule of claim for charges with the date of the charge, amount and in respect of, all as per the worksheet.

 

Am I being really stupid - is it staring me in the face......:confused:

 

Any help would be gratefully received.

Link to post
Share on other sites

I have just had both claims (one small claim one summary cause) returned today from the sheriff clerks office in Edinburgh. It says the reason for returning the forms is:

 

The interest stated in box 4 must be designed as having a start date and an end date of the calculation period. It cannot be designed as 'from the date of service for each charge'. Some examples of how interested should be stated: 1) 8% annually from x date to x date. 2) 8% annually from x date until payment. 3) 8% annually from x date to date calculated as £x, and continuing at said rate from x da until payment.

 

I followed the instructions to the letter on each of my claims and am at a loss as to what to do now! When I filled in box 4 of the summary clause summons I wrote : The pursuers claim from the defender the sum of £1,253 with interest on that sum at the rate of 8% annually from the date of service for each charge (together with the expenses of bringing the action)

 

The small claims action was worded identically with the amount claimed the only difference. I attached a schedule of claim for charges with the date of the charge, amount and in respect of, all as per the worksheet.

 

Am I being really stupid - is it staring me in the face......:confused:

 

Any help would be gratefully received.

 

Hi sabu, in my origional claim I did what you did and it all went through fine, however, the court staff all seem to have different ways of doing this.

In box 4 some of the staff prefer you to write...

The Persuer claims from the Defender the sum of £808.00 with interest on that sum at the statutory rate of 8%, plus the contractual rate which the Defender has charged the persuer, from 13/10/03 to 21/06/07. Also, the Persuer claims the costs of bringing this action, £39.

Total Claim,£1450.83.

Elgin Sheriff court has duristiction of this claim as monies are to be paid to the Persuer, also refer to attatchment.

(the attatchment is the Juristiction from Unfair UK Bank Charges | legal help from Govan Law Centre, Glasgow, UK)

 

Has this helped sabu?

:DABBEY-WON! £1,359.34

:confused:CAPITAL ONE WON £1,523.27+£39court fees.

Link to post
Share on other sites

Hi - first post, been doing a lot of reading here and would appreciate some advice.

 

Sent letter on March 25th asking for £2800 (in 8% interest) to be paid back, from HBOS.

 

DECLINED.

 

LBA sent on May 29th - they are still 'looking into it' and have asked me to be patient. They have given me conflicting timescales on the phone, ranging from 'by the end of the week' to '6 weeks'.

 

What should I do next? Cheers

Link to post
Share on other sites

Hi broadsword you need to start your own thread as this will prove easier to find all the info you have previously asked for.

As you are unaware that you DO NOT claim interest when at the Prelim or LBA stage and of the timescales involved may i suggest you spend a few days reading up the FAQ's and the HBOS success forum as these will give you the basics required at the stage you are currently at.

 

Start your thread in here and keep it updated, any questions put them in there.

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/

 

Have a look in here.

http://www.consumeractiongroup.co.uk/forum/halifax-if-successes/

 

And here.

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

Link to post
Share on other sites

  • 1 month later...

hey could you tell me if im claiming in scotland are the claim forms the same as the ones on website

It depends what forms you mean. If you mean the bank templates library and the N1 forms then no the Scottish forms are not the same. Please read this sticky for guideance and forms for claiming through the Scottish courts

 

http://www.consumeractiongroup.co.uk/forum/scotland/94302-updated-scottish-procedure.html

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

  • 4 weeks later...
:D Great news - about time this happened. Shame they didn't make it £5000 to be the same as England though.

Bank of Scotland account 1 - £2,666 WON

Bank of Scotland account 2 - £2,500 on hold

GE Capital charges -£30 won (hey, every little helps!)

Barclays Partner Finance £425 charges - £225 offer accepted.

 

Finally debt free after 4.5 years, thanks to my Debt Management Plan through Payplan. There is no better feeling :D

Link to post
Share on other sites

It's really part of a long overdue overhaul of the Scottish judicial system in general. Sequestration and protected trust deeds are also going to be heavily changed. Although, as in the case of small claims, the changes are very much positive.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...