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    • 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.  
    • 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.
      • 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
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Tomba90 v RBS --- ***WON!!!!****


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No Not yet mate, they have untill the 8th of Aug to put the defence in.......

 

I'm counting the days.

Tomba90

 

First they ignore you, then they laugh at you, then they fight you, then you win.

- Mahatma Gandhi

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No Not yet mate, they have untill the 8th of Aug to put the defence in.......

 

I'm counting the days.

 

 

Well, recieved the defence today from Cobbetts, usual crap about cpr18. Will draft a letter tonight and post in this thread.

Tomba90

 

First they ignore you, then they laugh at you, then they fight you, then you win.

- Mahatma Gandhi

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Ok my response to cobbetts on CPR.18

 

 

"I am writing in response to your letter dated 1st August 2006.

 

I note from your recent correspondence that you have requested further information from me under Part 18 of the CPR.

 

I must advise you that CPR P.18 has no relevance to Small Claims procedures and, as such, I consider that the inquiry to be intimidating and I intend to bring this matter to the notice of the court, should my case proceed that far.

 

As a gesture of goodwill and in the interests of concluding my claim, I have enclosed a breakdown of the charges imposed, their value and the interest being claimed on each charge."

Tomba90

 

First they ignore you, then they laugh at you, then they fight you, then you win.

- Mahatma Gandhi

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  • 2 weeks later...

Had a chat to the local court today, just to see whats happening, Cobbetts have until the 21st of Aug to fill in there allocation questionnare. If they don't it will go through for Judgement, if they do, it's gonna be a long drawn out process.....

 

But the man at court was a helpfull chap !!!!

Tomba90

 

First they ignore you, then they laugh at you, then they fight you, then you win.

- Mahatma Gandhi

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Tomba90,

 

Have you had an offer from Cobbetts yet? I have just sent off my reply to their defence so I shall wait and see what happens.

 

Bon Chance!

 

BC:cool:

Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

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Well, I have had a letter but no offer, details below:

 

"we note your comments on our request for further info. Please note that part 27.2(1)(f) applies subject to paragraph 3 of part27.2, which states that the court of its own initiative may order a party to provide further info. if it considers it appropriate to do so.

It is our client's contention that your particulars of claim did not properly particularise your claim. for example, our client cannot properly defend a claim where you have given your account details and the details of each charge you claim is diproportionate and unreasonable.

 

The court is bound by an overriding objective to deal with cases justly and ensure that parties are on an equal footing. It was clearly the case that our client could not respond to your claim where you did not provide sufficient particulars. Our client therefore objects to your allegations that the request in intimidating"

 

I'm going to ignore it as it sounds like a load of bollocks !!!!!!

 

anyone had a similar response ?

Tomba90

 

First they ignore you, then they laugh at you, then they fight you, then you win.

- Mahatma Gandhi

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So, if you've already sent in a/several copy/ies of a Schedule of Charges that you are contesting, with your Bank Account No, Sort Code etc they consider that you have still not "particularised your claim" correctly....sounds like bollards!!

Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

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If the post/advice helps, pse click on the scales!! :cool:

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Yep, you got it. Cobbetts have until Monday to put there allocation questionnare, lets hope they don't, cos I really could do with a summer holiday !!!!!

 

Does anyone know, once you have recieved the charges back, whether the bank charge you again ????

 

Heres hoping,

Tomba90

 

First they ignore you, then they laugh at you, then they fight you, then you win.

- Mahatma Gandhi

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Don't know about after you win, but they are still charging me since I started MCOL, up to £190 already!!

Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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Does anyone know, once you have recieved the charges back, whether the bank charge you again ????

 

I think it's more likely they'll close your account. Parachute account on standbye!!! :)

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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Don't know about after you win, but they are still charging me since I started MCOL, up to £190 already!!

 

Thats why I was asking because they are still charging me :evil:

Tomba90

 

First they ignore you, then they laugh at you, then they fight you, then you win.

- Mahatma Gandhi

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Hi,

 

I have recieved a copy of Cobbetts AQ today sent out on the 22nd August, the deadline for submission was 21st. Will it make a difference ???

 

On AQ they are trying to use the fastrack system due to the amount (see below) is this valid ??

 

:?

Tomba90

 

First they ignore you, then they laugh at you, then they fight you, then you win.

- Mahatma Gandhi

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Tomba90,

 

think the fast track can apply up to £5000, which is the value of the calim before interest and fees etc....

 

BC:p

Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

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If the post/advice helps, pse click on the scales!! :cool:

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Tomba90,

 

think the fast track can apply up to £5000, which is the value of the calim before interest and fees etc....

 

BC:p

 

Its £4640 before interest, so surely fast track deos not apply ??

Tomba90

 

First they ignore you, then they laugh at you, then they fight you, then you win.

- Mahatma Gandhi

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Tomba90,

 

Oops, sorry I meant Small Claims Track applies up to £5000,from HMCS Website:

 

Cases in the county courts are assigned to one of three tracks: the Multi Track, the Fast Track or the Small Claims Track.

The small claims track provides a simple and informal way of resolving disputes. You should be able to do this without a solicitor. This guidance tells you about the sort of cases that are likely to be allocated to it and about how cases in the small claims track will be handled. Before issuing a claim you may find it helpful to read the guidance Making a claim? Some questions to ask yourself. It provides answers to those questions that should help you to decide if going to court is going to be worthwhile for you. It also draws attention to a number of alteranative ways in which disputes may be resolved without going to court. You may also find it helpful to read the leaflet The defendant disputes all or part of my claim which explains how the allocation process begins.

Remember that this guidance can only give you a general idea of what is likely to happen, and cannot explain everything about court rules, costs and procedures which may affect different types of claim in different ways.

If a claim is disputed ('defended') and the small claims track appears to be the most just and cost-effective track for your claim, the questionnaire will be in Form N149 (Allocation questionnaire (Small claims track)). Otherwise you will be sent a copy of the defendant's defence and a Form N150 (allocation questionnaire). Whichever questionnaire is sent to you, the information you provide in the questionnaire will help the judge decide which is the most appropriate track for your case. If you feel that your case is one that should be dealt with as a small claim in the small claims track, you should indicate this in the questionnaire. However, you must understand that, even though your view and that of the defendant will be taken into account, it is for the judge to decide.

 

Also if you check out:

http://www.hmcourts-service.gov.uk/courtfinder/forms/ex305_0405.pdf

 

this states that anything under £5k (and without personal injury) it should be dealt with in the Small Calims Track, I'm sure that I have read somewhere else on CAG that this value only applies to the Claim before interest and fees are applied, so your £4.6k should qualify for the Small Claims Track. Cobblers may just be trying to spook you because if you read up about Fast Track, the solicitors fees start to play a part etc.

 

You may just want to give the MCOL Helpline a call to clarify the value before/after interest part.

 

BC:razz:

Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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PS

 

MCOL Help Desk: 0845-601 5935

 

BC;)

Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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Hi All,

 

Quick update, called the courts today and the case has gone to the Judge and he has requested a "case management meeting". I asked the lady what this was, and basically, he calls both parties into his office to see what is happening.

 

Anyone heard of this ???

 

Its on 20th October, so not sure if this is good or bad !!!!!!

 

:confused::|:-o;)

  • Confused 1

Tomba90

 

First they ignore you, then they laugh at you, then they fight you, then you win.

- Mahatma Gandhi

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OK I NEED A LITTLE GUIDENCE NOW !!!!

Received letter from the court today:

Upon the district judge considering the allocation questionnaires filed herein

IT IS ORDERED that there be an allocation Hearing and Case Management Hearing (by phone) to take at WXM Court. The Claiment's/Defendent's Legal representation must serve a case summary and draft order no later than 4pm on the last working day before the hearing.:? :?

Tomba90

 

First they ignore you, then they laugh at you, then they fight you, then you win.

- Mahatma Gandhi

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Tomba90,

 

wonder if this is because WXM hasn't had many of these? I would be tempted to call the Court again for clarification of waht is required. You may find that copies of all your letters sent to banks is what's needed, along with your Claim etc. Sounds like Mod's adivce needed incase though! As if it's not bad enough that the RBS/Cobblers try everything on, now the Court is as well.... I'm not sure what the Draft order should say, but I guess that it is the substance of your claim ie the spreadsheet. But you need to ask a banana that. I'm sure the Court would be able to advise.

 

Good Luck, I was hoping you'd have heard something from Cobblers just like Stacy and MissM et al have recently

Doh!

BC:eek:

  • Confused 1

Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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OK,

 

Cheers BigCol,

 

Been in touch with the Mod (who thought it was a strange order) & called the courts, basically the case summary is exactly that "a summary of the case so far" & the draft order is what I would like the outcome to be.

ie ALL MY MONEY BACK!!!!;)

Anyway, the Hearing (by phone) will take place 10th October @ 12.30pm

I may be the first to have this, so will keep thread upto date.........

 

Also asked if they had many other cases like this, one or two was the reply !!!!!!!

Tomba90

 

First they ignore you, then they laugh at you, then they fight you, then you win.

- Mahatma Gandhi

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AH well Old Bean,

 

sometimes it's surprising when the legalese turns out to be plain english!! This may well be a surprise for Cobblers too, so I wonder if you'll have an offer from them soon....what did the Mods think about having a "without prejudice" chat with Ms B at Cobblers??

 

Bon oeuf Rodders!!

 

BC:p

Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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Hey up Bigcol

Not mentioned having a "without prejudice" chat with Ms B at Cobblers, not sure it will get me anywhere !!!!

I'm putting together my case summary & draft order, The Mod wants to see it before it goes off. Will post it on the thread once ok

 

:oops:

Tomba90

 

First they ignore you, then they laugh at you, then they fight you, then you win.

- Mahatma Gandhi

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Roger that Tomba!!

 

Have you checked out Westable's thread? They had a chat with Ms B a la,

 

"i have spoken to lynsey burgoyne being helpful as she could be given the circumstances. She told me that she has emailed the client and is waiting a reply from them. I'm guessing that i wont here anything now until the eleventh hour. Hopefully it will be sooner. I asked to be emailed as soon as any information is made available."

 

Maybe she has let her proverbial 'guard' down, but they send us missives 'without prejudice', so what's wrong with a similar conversation - as you are representing yourself............

 

Off now to shut right up and crawl back under my stone lest I be letting myself in for adverse comment....they've never liked it up 'em Mr Manwearing!!!

 

Bah! Come on Darling........top idea what! Bah!!

 

BC:p

Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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