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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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tilly49vhalifax **won**


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There must be someone who's done fast track.

 

Glad to see you're still going, Tilly. Don't forget to sleep!

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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I know that feeling- I'm still waiting for my court date.

 

So- who knows more about fast track ?

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Hi tilly, i found it easier to use the calculator on the moneysaving expert site you just put amount and dates in and it does it all for you, i too was scared to death of all this paperwork but found it a doddle using this maybe worth a look??:-D

miz_print

Miz_Print v Halifax Won :-D 24th july 2007:D

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Tilly did you find the n1 easier to do i sent my lba the friday thats just gone so should be around your time with the court papers too, wish they would settle before hand :rolleyes:

Miz_Print v Halifax Won :-D 24th july 2007:D

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thanks for your message ssl i have done spreadsheets on martin lewis they seemed easier i assume they calculate the 8% interest the same as cag ones tried the cag ones just couldnt get a grip with them put all information in okay but couldnt calculate bit thick today

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hi seaside lady really appreciate the help your giving me just to doulble check before i sit down and start to fill it in is n1 okay to file if claim over 5k or is it best to use mcol i know it most probably be fast tracked i have read the faq on this seems a bit scary but ha ho needs must

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This is how to fill in your N1...

 

Your N1 claim form.....

 

Claiment

Tilly + address

 

Defendant

Haliprats Trinity road

 

 

Brief details of claim

Money claim for return of penalty charges applied to the claiments bank account by the defendant.

 

Value

 

Charges.......£xxxxxx

Interest under s69 county courts act 1984......£xxxxx

Total.....£xxxxx

S.A.R - (Subject Access Request) Fee.....£10

 

In the boxes....

Amount Claimed.....full amount

Court Fee ....... (court will tell you)

Solicitor Fee...leave blank

 

Human rights.....NO

Poc....Attatched

 

The bottom of the form.....print and sign.

DONE..!

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Value:

Bank charges (and overdraft interest if claimed) - £XXXX

Data Protection Act Fee - £XX (if claimed)

S69 8% Interest - £XXX

Total of - £XXXX

Plus daily interest at 8% of £0.XXp from the date of issue until settlement.

 

Value box....

 

 

Amount claimed: Charges + Data Protection Act + s69 interest- £XXX

Court fees: £XXX

Sols costs; None

 

Cheque payable to HMCS

 

POC..

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Any more worries just shout...:D

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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You times your amount of charges ie £12.000 by 0.00022

Daily interest is £2.64 a day. If you have an overdraft then add all the interest aswell, and times the full total by 0.00022.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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No problem Tilly,

 

It is always better to double check and get it right as some mistakes cant be mended.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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okay just sat and finished my n1 forms am i right in thinking that the poc are copies of interest spreadsheets and charges .will take to the court hopefully they will check it for me and am going to see if i can get fee exemption because to file my claim according to the court charge list it would cost me £400 because my claim including interest is £15.089.00

roll on friday

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Tilly

 

Your particulars of claim are different to your spreadsheet of charges. There is a template that you can change to suit your own circumstances, look in the templates section sorry I can't provide a link. Sea-side lady has provided a link..scroll up.

 

You need to hand into court :-

 

N1 form x3

Particulars of claim (attached to the N1) x3

Spreadsheets of charges x3

 

Good luck :grin:

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yep. You have it all sussed now. 3 N1s, 3 Pocs, 3 spreadsheets including interest.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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