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    • TBH gotta be quite frank here as much as we hate BM world. why didn't you not simply change the battery? or come here FIRST before launch a court claim? or let them do it.? a flat battery is gonna be a hard case to win +£500 on     
    • Hi all, thanks for the feedback. I have now made the final amends and included the supporting evidence in this final version of the WS / court bundle. Attached is the redacted version of this final WS / court bundle. If there is any further feedback, please do let me know. If not, I will get 2 copies printed for posting - 1 to the court and the other to Evri. Final Draft - Witness Statement and Court Bundle redacted.pdf
    • We dispute the claim on the basis the claimant has made not efforts to mitigate their losses, nor did they obtain any prior authorisation. The claimant purchased a used Mini Cooper Convertible from our dealership on or around 21st April 2023. On or around 23rd April 2023 the claimant notified ourselves that the vehicle had failed to start, the claimant had since had this diagnosed as a battery. The Claimant proceeded to book their vehicle with Stephen James (BMW/Mini Main Agent) and authorised a battery replacement and paid a total sum of £597.42, the claimant obtained no authorisation for this cost beforehand, and has since tried reclaiming the full amount. We have advised the claimant we would not consider the cost of the unauthorised repair he has had completed. Had the claimant returned the vehicle to the selling dealer, it is likely we would have offered to replace the battery at no further cost to themselves, we have therefore agreed to offer a contribution of £165 towards the repair. This cost is in line with the cost of a replacement battery had the vehicle been returned to ourselves.    
    • You can only get a CCJ if you lose the case and then stick two fingers up to the court and refuse to pay. Even in the very, very unlikely event of you losing, as long as you paid within the 30 days ordered by the court you wouldn't get a CCJ. But you've come here very late and we need the sticky filling in please.
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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.

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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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sam - lloyds tsb


westham34
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Are you talking about the court allocation questionnaire and list of charges? Can you provide more detail please?

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, 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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I'm still a little confussed what you are asking. Have you read the FAQ's and familiarised yourself with this site and the processes?

 

First step is to send off the DPA letter to find out your charges and whether ot not there has been manual intervention. Have you done this?

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, 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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Hi and Welcome

 

hi all,have printed and filled in form posted today

 

I think this is what has confused closey .I am guessing you mean you have filled in your details and printed the prelim letter , then sent it off ? If you have already sent the SAR or already know all your charges then yes that is correct to send the prelim now.

 

 

Have you read the FAQ's and familiarised yourself with this site and the processes?

 

I agree this is very important so you get a full understanding of what you are undertaking.

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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hi closey, i copyed and printed form Letter - Preliminary approach for repayment filled in my account details and what lloyds have took over 4 years im d/d and o/draft fee's and sent it of today but i didnt enclosed schedule

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In that case you are fine! This will only be needed at the court stage.

 

Did you do a DPA request asking if there had been manual intervention?

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, 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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hi mjanet,what is the SAR i have been though this site for the last 4 weeks looking at every thing making sure im doing the right thing before i go ahead with it as its a long ride lol

 

IT's a Subject Access Request , it mentions it in the step by step guide .Very glad you are putting the effort in to read around as mistakes can be costly

 

please keep us posted :D

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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mjanet

thanks for your help, have been looking at the speadsheet im glad it does the days and that for you :-D as i wouldnt have a clue but i have one problem do i put down all of my o/draft excess fee's,o/draft interest ect ect on to it as from yours it show's cleared transaction hope you can under stand thanks :grin: sam

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hi mjanet can you please have a look that im doing this right i have copy and paste it if its ok then will carry on as this will take me years lol THANKS!

 

In Respect of:AmountDate IncurredDays since offenceInterest 8% APRo/draft interest£0.5601/08/20021413£0.17o/draft interest£1.3702/09/20021381£0.42o/draft interest£0.7601/10/20021352£0.23o/draft interest£1.2201/11/20021321£0.35o/draft interest£1.1702/12/20021290£0.33o/draft interest£0.5102/01/20031259£0.14o/draft interest£1.2103/03/20031199£0.32o/draft interest£0.7301/04/20031170£0.19o/draft interest£1.1301/05/20031140£0.28o/draft interest£1.2102/06/20031108£0.29o/draft interest£0.6501/07/20031079£0.15o/draft interest£1.4501/08/20031048£0.33

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Sure il take a look but can you please PM me it as I can't make that out , not admitting I can't find my glasses tho :rolleyes:

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When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Hi Westham 34. If you could send your spreadsheet to me at [email protected] I can take a look at it for you.

 

Please take look at the more complicated spreadsheet that I created, in the bank templates library. Although I don't suggest you use it unless you are completely clear on the aspects of the interest, the notes on the first page will clarify much for you.

[

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hi Vampiress, have tryed every thing for the total still cant get my head around it my sheet starts at 3 in respect of and ends at 41,what part of the sheet do i put this in abcd........ or under the amouts :mad: night mare!

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hi all,update!

well got letter this morning from lloyds tsb sayin this

Dear mrs ........

i am just writing to let you know that we've received your complaint and to say how sorry I am to learn that you're not happy with us.

we will investigate the concerns you have raised with us-this may take a little time but we would expect our enquiries to be complete within the coming 2 weeks. we will then be able to respond in full to your complaint and at this stage, i hope, resolve matters between us.

in case you haven't received a copy of our leaflet called ' how to voice your concerns' I’ve enclosed one with my letter. this tells you all you need to know about resolving your complaint with us.

does this mean they may pay up :D

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Hi westham34 - by your schedule I assume you mean your Schedule of Charges? This is the spreadsheet you have compiled with your list of charge type, date it was made, and amount of charge - IE: The spreadsheet you should have or should do in preperation ;)

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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