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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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inthedark Vs Nationwide***WON***


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your very welcome xj, anything you need just give the shout!! besy of luck to you too!!x

 

hi oz, no thats shouldn't make any difference and that is the correct address, best of luck x

  • Haha 1

PLEASE HELP OTHERS, WHEN YOU WIN YOUR CLAIM GIVE A LITTLE BACK

 

 

Nationwide **WON**- £3,880.00 14/03/07

 

Nationwide Claim 2 LBA sent 13/03/07

 

 

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Does anyone know if we can insist on the money being paid back in the form of a cheuque? The reason is as i may of said I've enterered a debt management programme and the account is working on a reducing overdraft policy at the moment! I obviously want the money and not the debt to be wiped off from the overdraft? I know if they don't act within the 28 'or so' days then i can insist on them paying via cheuque, that is with the judgement button on mcol.

 

But I'm not to sure how these reducing overdrafts work...can you still withdraw from them? or can i write to Mr Bacon asking for the money in cheuque format as the overdraft repayal has been agreed.?

 

Ne advice welcomed.

 

Thanks

 

Ozz

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I think you'd have to state it in your Particulars of Claim. To do so you would have to pay to amend your claim.

 

I have no idea about the overdraft though. They've never been silly enough to trust me with one. ;)

K.

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Kelly

Settled: Nationwide £372.55

Before you do anything read this:

Guide to Reclaiming Bank Charges

 

Most questions can be answered by checking out these links:

Frequently Asked Questions

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And don't forget to use the search facility! Chances are your question has already been answered on another thread. Good luck

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Ok many thanks Kelly, I've just rang MCOL and they say you need to pay £35 to amend, and it can take upto 4 weeks, which would mean start waiting again, I think i'll just wait and see what they do next, if they make an offer i'll just insist on them not paying it into my account.

 

If not the lady said that they have until midnight on the 14th May to enter a defence or pay.

 

It's a little frustrating, all this waiting and then it may just be swallowed up by my overdraft, doh!

 

Ozz

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Good luck Ozz. I know you'll miss the lump sum if they do pay it into your account, but you'll feel the benefit in the coming months. I hope they do give you a cheque though. Spending it will be fun.

 

K.

Kelly

Settled: Nationwide £372.55

Before you do anything read this:

Guide to Reclaiming Bank Charges

 

Most questions can be answered by checking out these links:

Frequently Asked Questions

Step by step instructions

Letter Templates

And don't forget to use the search facility! Chances are your question has already been answered on another thread. Good luck

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  • 2 weeks later...

woop woop woop people!!

 

Just checked my balance online and there has been 2 corrections today!!

£999.99 & £159.00

Not quite all back yet but will check tommorrow.

My MCOL wasn't due to be up until 13th may so this is quite early!!

 

stick with it people, it's daunting but worth while.

Thanks to all the CAG community that helped with this - I've remomended this site to loads of friends.

Ozz - goin for a beer!

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Hi Guys,

 

Just got my MCOL letter saying that NBS will be defending "all of the claim". Deep joy. Cut-off date is now 30 May, so have to wait and start putting a court bundle together!

 

Thinking of calling the CEO of NBS as a witness, just answer some questions.

 

Anyone think of anything I need to do or find out specifically? Nice result by the way OZZ! Hope you didn't drink it ALL!

:p

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Hey Mrsid, i had exactly the same and i have no doubt it's NBS trying to stall it. They say they will defend and probably have no intention in defending, they use they time to process the claim and pay up. In reality you are now in a cue waiting for a refund. It's wise to have you court bundle easily available but most will be at hand anyway. Keep checking your balance, in some case as per other blogs they pay up before the 28 days expires but be aware they have been known to pay on the 29th, 30th, 31st day after you enter the judgement.

 

Just keep an eye on the situation - i became quite the opsessive compulsive when it came to checking my account balance.

 

Good luck and keep us posted.

 

Ozz

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SAme thing with my claim-one day they said that they would defend in full and then about a week later they sent a letter saying that they would settle the claim for about £40 less than I was looking for.

 

Gooid idea to get the bundle ready just to on the safe side but hopefully you will get paid shortly.

 

Good luck

 

 

So sit dl

PPMAN159

 

If this comment has helped please click on the scales.

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woop woop some more! Just checked my balance and it seems they have paid £260 (interest + court fee) back into my account - oh and whats this an extra £757...lol get in!!

Must be from my other account with them that got closed - was going to claim this one but didn't think it was that much!

 

Im going to have a great birthday now!

 

coooommmmmooonnnn!!!

Ozz

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Well done Ozzz!! Oh, and Happy Birthday!!

 

K.

Kelly

Settled: Nationwide £372.55

Before you do anything read this:

Guide to Reclaiming Bank Charges

 

Most questions can be answered by checking out these links:

Frequently Asked Questions

Step by step instructions

Letter Templates

And don't forget to use the search facility! Chances are your question has already been answered on another thread. Good luck

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OK, received a letter, dated 24th April, from Nationwide thanking me for my recent letter about the charges applied to my Flexaccount.

I think this is a pretty standard letter, informing me of the rules I agreed to, etc.

The third paragraph reads:

"After careful consideration of your request, we're sorry that we can't agree to your charges being refunded. Only in exceptional circumstances do we arrange refunds, and on this occasion we feel it would be unfair to other members who find themselves in a similar situation and for whom the charges remain."

 

This letter did not arrive until 2nd May, possibly due to our postal area which is sometimes a bit slow. However, I checked my Flexaccount today, 8th May, as my MCOL time was up on the 7th, but being a bank holiday thought I would wait until today to see what if anything was happening.....

I was credited with two payments on the 3rd and one on the 4th May which amounts to my claim...so great news I've won!!!

 

Woooohoooo

 

Strange how the letter arrived on the 2nd and I was credited on the 3rd against the tone of the letter!

 

I still can not believe it. Can I say a great big thank you to all here on the forums for the support.

inthedark

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Well done!! inthedark so pleased for you happy spending!!

PLEASE HELP OTHERS, WHEN YOU WIN YOUR CLAIM GIVE A LITTLE BACK

 

 

Nationwide **WON**- £3,880.00 14/03/07

 

Nationwide Claim 2 LBA sent 13/03/07

 

 

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Congratulations!!

 

K.

Kelly

Settled: Nationwide £372.55

Before you do anything read this:

Guide to Reclaiming Bank Charges

 

Most questions can be answered by checking out these links:

Frequently Asked Questions

Step by step instructions

Letter Templates

And don't forget to use the search facility! Chances are your question has already been answered on another thread. Good luck

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