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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.
      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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Mercantile Hearing, Leeds, 26th April 2007


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hey there everyone have drafted a letter (well nabbed a template !) to capital one accepting their offer but am after costs too so do i hand in my CMI sheet and adda bit about costs in the letter to C one too ?

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does anyone have a copy of the updated case list they could pm me ? my partner is stillwaiting for her new claim number my list only goes upto 55 claims

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have nabbed this too from mindazai an lucids post and adapted what do you reckon ?

Total Costs Incurred in Pursuing the Claims

 

1. Schedule of letters written and posted since filing each claim

 

3 letters have been written in total since filing the claim – all in relation to the claims. Each letter has been accounted for and was sent via Royal Mail Special Delivery.

The Claimants request a repayment of £4.10 per letter to recover postage costs, £1 per letter stationary costs and travel to the Post Office.

 

List date who to and ref number……

TOTAL: £15.30

 

2. Document bundles/Paper and printing costs

 

The Claimants used his own multifunction printer at home for all printing and photocopying and feel that a reasonable cost to cover the toner and running of the printer would be 1p per sheet of paper printed.

 

The Claimants prepared two document bundles for the claim to Leeds County Court on 05/03/2007.

-paper cost of £20 (1 box of 5 reams)

- printer ink cost of £10

The paper used was purchased from PC World and is ‘PC Line A4 80gsm Multifunction Paper (333686)’ and approximately 4 reams have been used in total.

Each ream costs £3.99.

TOTAL: £30

 

 

 

4. Preparation time

The Claimant estimates that he has spent a minimum of 20 hours in preparing letters, spreadsheets, document bundles, case notes and research.

He respectfully requests an award of £9.25 per hour for time spent.

TOTAL: £185

 

5. Loss of earnings

 

The Claimants had to take leave from work for two days in order to prepare for and attend the hearing.

We respectfully request that the Court consider awarding the loss of earnings in the sum of £50 for Mr xxxxxx, or such amount as it sees fit, as per the Civil Procedure Rules 27.14(2)(e).

 

- Mr xxxxxx earns approximately £50 per 7.5 hour workday after deducting income tax and national insurance.

 

TOTAL: £50

 

__________________

TOTAL COSTS INCURRED:

280.30

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Have you already had to do a bundle? I didn't think it would be needed at this stage, or is this just a template you were going to use. You should be able to prove what you are asking for, but this kind of format is fine, and remember to include your receipts.

 

This is merely a directions hearing so I don't think you will be able to justify that much preparation time and 2 days off work.

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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hey all i have just been on the phone to the chancery dept of leeds court the lady said they are working over this weekend to try and get thru the claims !!

they have decided on a 2 week cut off point so as to avoid any last few days crisis claimants may have so anyone who doesnt hear from them this week with a new claim number will have to wait till June whenthe next lot are scheduled

She also mentioned the case that barrister is taking natwest on said hopefully might set a precedent they can refer to.

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Very interesting. It would be good if he did set a precedent but I fear he may have a way to go yet. The case was adjourned.

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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As I understand it what he's asking is for the judge to consider if his case has merit and to then boost it up to a higher court, where it obviously would.

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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As I understand it what he's asking is for the judge to consider if his case has merit and to then boost it up to a higher court, where it obviously would.

oh right missed that bit. doesnt say on his website or on the media.

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Didn't realise he had a website, although I suppose I should have. To be honest one of the other mods told me that and I'm not entirely sure where it came from.

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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Any claimants reading this who in the last few days have received their notification for the Leeds hearing on the 26 April, can you give an update as to the total number of cases listed for the hearing and the number shown as 'settled'.

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My relative received offer of full settlement from the bank today, so that is one off the list for next week. I understand 77 cases are listed and no more to be added for the 26th April. Next Leeds hearing probably June.

 

If anybody goes to the hearing on 26th, will they please let us know what happens on this thread.

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Thanks 'barnett'.

I'm 'sworn to secrecy' as to which bank, but having looked at the listings I can say that it is not the one that you are up against. I'm a third party in all of this, just trying to help my relative and anyone else who visits this site and ensure that justice is done.

I hope you get a settlement before the hearing.

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hello everyone just received another letter from capital ones legal team

Dear Mr

Court Claim number: xxxxx

Claimant: xxxxxxx

Defendant: Capital One Bank (Europe) plc

Please find enclosed a copy Case Management Information Sheet which has been sent to Leeds County Court today in relation to your claim.

We have attempted to contact you by telephone on the number you provided when you opened your account with us however, this number does not appear to work.

We are hoping to settle the matter with you and are prepared to remove the default from your credit file, which combined with the xxxxx already refunded to you, would be in full and final settlement of the matter.

I would be grateful if you would please contact me on the telephone number below, as soon as you receive this letter, to discuss the matter with me and inform me as to your proposals regarding acceptance of the above settlement.

Yours sincerely

Carolyn Parsons

Litigation Paralegal

For and on behalf of Capital One Bank (Europe)

funny thing is i have already written to the court manager saying the case has been settled and as i desperatley needed the money (am moving home) was prepared to give up on the default removal for now, as in their settlement letter said couldnt remove the default so things have turned out rather well !

oh and for anyone else taking these $$$$ on in the cmi sheet it mentions default fees and if they say they cant remove the defalut they are just tyreing it on

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If you have settled, you can't go back and ask for costs, and Calculator, I hope your silence cost the bank extra. I'd hazard a guess at Lloyds imposing conditions, which you don't have to accept, although if you already have theres not a lot you can do, or them come to that.;)

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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Donbrancho, I've just noticed what you've said about default removal. If you haven't actually done the deed and settled, I'd advise you don't settle without the default removal, as it will be hard to get removed anyway, but nigh on impossible if you have accepted the charges.

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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donbracho

 

I think I would bite their hand off and accept their offer including the default removal and ask that they fax me to that effect. I wouldn't let on that you have informed court of settlement. The court will probably tell them that all in good time. Worth a punt me thinks.

_______________________________________________________________________________________________________

IANAL - Opinions offered are just my personal views and are not guaranteed to be correct. I have been known to be wrong (once or twice).

Claims in progress against:

Eldest - First Direct - Part Offer received - http://www.consumeractiongroup.co.uk/forum/first-direct/79619-eldest-fd.html

Eldest - Halifax - Cheque Received Full amount - http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/66254-here-we-go-eldest.html

Youngest - Halifax x 3 - Request for refund sent - http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/79617-youngest-halifax.html

Eldest - unnamed Mortgage Provider for Charges and incorrect maths.

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hello all thanks for the advice just got off the phone with the legal person at c one she said having looked deeply into the case she will remove the default as if the fees hadnt been imposed there would be no default to speak of ! said i would fax a letter to court informing them i had settled if they would put it in writing to me also

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Wow donbracho, that is an excellent result. Defaults are notoriously difficult to remove so they must really want to avoid court.

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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yeah have read tanzarellis post and others about default removal and capital one,so was s suprised when she said that as i was about to mention it myself !

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Nice One donbracho.

_______________________________________________________________________________________________________

IANAL - Opinions offered are just my personal views and are not guaranteed to be correct. I have been known to be wrong (once or twice).

Claims in progress against:

Eldest - First Direct - Part Offer received - http://www.consumeractiongroup.co.uk/forum/first-direct/79619-eldest-fd.html

Eldest - Halifax - Cheque Received Full amount - http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/66254-here-we-go-eldest.html

Youngest - Halifax x 3 - Request for refund sent - http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/79617-youngest-halifax.html

Eldest - unnamed Mortgage Provider for Charges and incorrect maths.

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