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    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the and the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
    • Please go back and read my message posted at 10:27 this morning @jk2054. I didn't say that I wasn't going to provide documents, only that I will upload them to an online repo that I am in control of, and that I would share links to these. You shall still be able to read and download them no different from if they were hosted here. And, the issue I have is not so much with hosting, but using an online pdf editor to create a multi-page pdf, again I have discussed this that same message.
    • Thanks ,DX, I'd forgpotton about that letter and can't remember sending a SB letter. I must have left it and they did not chase. Unclebulgia. Yes several periods of no contact. Think its time for the SB letter . 
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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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chelli v ABBEY £6k+


chelli
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Whilst looking through the threads about AQ, i have paste off a post which has lots of great info - could be of help to some of you out there. If you are struggling with your AQ please go onto the thread its great. GaryH has designed a seperate piece for the "other information" which should go with section H (sec G on N149). He recommends that it be sent with all AQ's.

hope that all makes sense - just well excited that i have finally filled in this ruddy form

chelli :D

p.s paste'd info below

 

I am currently filling in my N150, I fully understand A,B,C,D However In D under Witnesses I have put my name under "witness Name" do I include my husband also as he is also named as the Claimant.Also What do I put under "Witness to which facts!!!!!!:confused:

Yes, you are both witnesses - to "all facts and matters relevant to this claim".

Also in D as my claim is substanuly larger than £5K do I automatically tick "FAST TRACK"

No, I would still tick small claims. For reasons put -

 

a) The claim is a consumer dispute, for which the small claims track was specifically designed

 

b) Overriding objective's require both parties to be on an even footing - the small claims track can provide for this whereas the fast track would mean costs exposure which would be a heavy burden for you but insignificant to the defendant

 

c) The law relating to contractual penalties is long established in both common law and statute - therefore the issues are of fact, not of law.

(E) I also understand.

(F)I have ticked "yes" and will attach the Draft order of directions as per the AQ template - Is this correct???? aprt from the obvious do I change any of the wording?????

Correct

(G) Understand to leave this blank

(H) totally totally stuck, so hopefully will break this down -

1st box tick yes

2nd box tick yes - However as I have not sent anything to the other parties, what do I put in the box "when did they receive them??????????

Send a copy to the other side, and put "sent **/**/** first class recorded delivery"

What does do I intend to make applications in the future mean, and what do I put.

No applications

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I filed my AQ on the 6/6/07 and the clerk said that i now have to wait for Abbey to file theirs. Also sent a copy to the abbey (recorded)

More waiting - role on the 18th june !!!

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HI SOWERBY17

 

I have just sent inga kirkman an email

 

 

Dear Inga Kirkman

Claim number xxxxxxxxx

Acc No xxxxxxxxxxxxxx

Your Ref: xxxxxxxxxxx

We are writing this email as a final offer of settlement before the case appears before the court, we are making this offer in an effort to reduce the costs to yourself before we prepare the bundle, which as you will be aware will also incur you additional costs. We are aware of the large amount of claims which you are currently dealing with and to assist your workload, we believe it would help all concerned to settle this matter out of court.

It is well documented that you have no intention of ever going to full hearing, shown by the fact that you have settled an extremely large number of claims at the last minute before going to court, and it would be beneficial to all parties, including the court system that this matter is dealt with out of court.

Our claim amount as of today stands at £xxxx including court fees and interest, we are prepared to settle this matter for the sum of £xxxx. We are sure you are well aware this figure is rising on a daily basis, and will increase with the cost of completing the bundle, preperation of the bundle, including photocopying costs, ink costs, and the cost of time to prepare the bundle, further court costs and transport and postage costs. As you can see settling this matter now, would be mutually beneficial.

This is the least amount we are prepared to settle for, for any avoidance of doubt refusal to settle will not stop the legal action against you, we shall be following the legal process to the end.

This settlement offer is valid for a period of 7 days, after this period has expired, the matter will be dealt with by the court system.

We hope we can come to an amicable agreement on this matter.

We look forward to receiving your prompt response

 

what do you think?

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p.s i couldnt find any thread that suggested ringing the abbey, to be fair there are probably loads but once you start reading one thread, you kinda get side tracked!

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send it chelli, although dont hold your breath for a reply..best of luck though

Abbey £4340.59 *WON* Jan 07

 

Abbey II MCOL 31/03/07 £8800.00

 

Please note..I AM NOT AN EXPERT ANYTHING WHAT I POST IS PURELY MY OPINION AND MAY BE WRONG IT IS JUST BASED ON MY UNDERSTANDING OR EXPERIENCE

 

Read my latest claim its a fast track potentially

http://www.consumeractiongroup.co.uk/forum/abbey-bank/61406-noobrider-abbey-take-2-a.html?highlight=noobrider

 

read my first claim which includes attending a directions hearing in court

http://www.consumeractiongroup.co.uk/forum/abbey-bank/10576-noobrider-abbey.html?highlight=noobrider

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  • 4 weeks later...

i have recieved my court order and really need some help. i have been allocated to fast track and the judge has ordered that

1. Each party give to each other standard disclosure of documents by serving copies together with a disclosure statement by the 2nd aug 2007.

documents = court bundle? disclosure statement= list of dates+contents?

2. witness statement by the 13th sept 2007 ok with this one found a link

3. Each party shall serve any request for clarification or further info based on any documents disclosed or statement served by another party ?

4. completed pre-trial check lists shall be sent to the court by 25th oct 2007? pre-trial review in the first two weeks of DECEMBER 2007!!!!!!!! HELP PLEASE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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Hi Chelli

 

O M G - DECEMBER!!!!!! :mad:

 

That's just unbelievable - so much for Fast Track - it would be better being called Dead Snail Track!

 

I can't help you with the Order I am afraid - not at this stage yet, and by the looks of things I won't be till Easter 2008!

 

Hopefully someone will be along soon to assist you with this.

 

Chin up (if you can!) :)

 

Best regards

 

Jo xx

Six Nations Champions 2009

Triple Crown 2009

Grand Slam 2009

:cool::-D:cool:

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thanks for your reply jo - i know the abbey are meant to be slow but it would seem my courts aren't much quicker either!:o :-D

thanks for trying to help and comments are nice to recieve:)

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Just recieved a letter from abbey in reply to a letter i sent on the 15th may 200, from Claire Farmer, senior customer resolution manager. She has wrote to apoligises for the delay(????!!!!!!) in trying to investigate my account, which she has now done. The outcome is that she/abbey are satisfied the charges do not contravene any regulations and therefore cannot agree to refund any further charges.

Has anyone else had one of these letters? is it standard?

should i reply to it?

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i have recieved my court order and really need some help. i have been allocated to fast track and the judge has ordered that

1. Each party give to each other standard disclosure of documents by serving copies together with a disclosure statement by the 2nd aug 2007.

documents = court bundle? disclosure statement= list of dates+contents?

2. witness statement by the 13th sept 2007 ok with this one found a link

3. Each party shall serve any request for clarification or further info based on any documents disclosed or statement served by another party ?

4. completed pre-trial check lists shall be sent to the court by 25th oct 2007? pre-trial review in the first two weeks of DECEMBER 2007!!!!!!!! HELP PLEASE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

 

hi chelli

 

i've pm Garyh for you............so hopefully he can help you out with these directions

 

good luck

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Hi if there is any one who can help me i would really appreciate it!

I have pm garyh and so has einyuk, but he must be really busy at the mo. I am getting desparate for an answer to my questions - still up at 12.45 mithering my brain for the third nite in a row :-| :Cry:

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