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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
    • Our main Equity Partner, Cabot Square Capital invests 
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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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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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Littlewoods agreement not signed


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Well they are talking out their bottoms

 

you cannot by accepting a catalogue be bound into a regulated credit agreement

 

they tried that one with me and i merely pointed them to section 127(3) of the Consumer Credit Act 1974

 

which requires the agreement to be SIGNED by both parties

 

no signed doc, no agreement end of story

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My mind just went blank wasn't expecting to speak with anyone over the phone but I wouldn't have been able to state that term.

 

Anyway I need to write to Moorcroft should I just say my account is in disbute for more details contact Littlewoods...

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I would suggest thet you do write to them informing the account is in dispute and make sure they know why.

 

All tho please prepare yourself for this letter.

 

Further to your recent correspondence, l write to confirm that we require a monthly repayment proposal you can afford and maintain to enable us to Assist you further.

 

My partner is currently dealing with Moorcroft ova a disputed accoiunt with virgin media and when we wrote to them informing them the account is in dispute they sent us this letter.

 

They then sent us a letter advising they are preparing to take court action and again we wrote to them stating they cant as we are disputing the account with Virgin media and they sent us the same letter.

 

We have not heard from them since.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Oh Pt doesnt just know his stuff he nos how to hang them out to dry if you no what i mean.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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MY wife is having the the same problems, none compliance on 3 accounts, just waiting for the 30 day dead line to arrive then im writing to all the bodies :(

 

p!ss take if you ask me....:-x

Abbey Settled 3,600:cool:

 

Just started battle with

EGG

Virgin CC

Abbey

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Dear Sirs,

Account no xxxxxxxxxxxxxx

xx/xx/2007

Re: my request under the Consumer Credit Act 1974

I note that you recently contacted me by telephone, please note I do not wish to conduct negotiations regarding this account by telephone, I will from this point on only communicate with your company in writing

On xx/xx/2007 I wrote to Littlewoods requesting a true copy of the credit agreement for this account, in sure you will be aware the Consumer Credit (Prescribed Periods for Giving Information) Regulations 1983 states that they documents under a S78 (1) Consumer Credit Act 1974 should be supplied within 12 working days, this time frame expired on xx/xx/2007. Section 78(6) clearly sets out the consequences of failure to comply with such request

For the avoidance of doubt I have included the section for you

78 Duty to give information to debtor under running-account credit agreement

(1) The creditor under a regulated agreement for running-account credit, within the prescribed period after receiving a request in writing to that effect from the debtor and payment of a fee of [£1], shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it, together with a statement signed by or on behalf of the creditor showing, according to the information to which it is practicable for him to refer,—

(a) the state of the account, and

(b) the amount, if any, currently payable under the agreement by the debtor to the creditor, and

© the amounts and due dates of any payments which, if the debtor does not draw further on the account, will later become payable under the agreement by the debtor to the creditor.

(2) …….

(3)….….

(4) ………

(4A)……

(5) ………

(6) If the creditor under an agreement fails to comply with subsection (1)—

(a) he is not entitled, while the default continues, to enforce the agreement; and(b) if the default continues for one month he commits an offence.

 

 

Littlewoods have failed to date to supply a true copy of the executed agreement therefore they are not entitled to enforce this agreement while this default continues NOR are you allowed to pursue this debt either

Please note that this account is currently subject of a dispute and therefore should not be subject to collection activity by your company as this is a clear breach of the Office of Fair Trading (Debt Collection Guidance)

 

The OFT guidance which was issued July 2003 (updated December 2006) relating to debt collections and what the OFT considers unfair, I have enclosed an excerpt from page 5 of the guidance which states

 

2.6 Examples of unfair practices are as follows:

 

h. Ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment

 

Clearly your pursuance of this debt falls into this category;

 

Should you continue to persist in pursuing me for this unsubstantiated debt I will make a formal complaint to Trading Standards and the Office of Fair Trading. Furthermore you may be in breach of S40 of the Administration of Justice Act 1970.

 

I also would like to correct a comment one of your members of staff made in a recent telephone call to me, She said that when a catalogue was sent to me it lists all the terms and conditions in the back and on accepting that, that is your agreement

 

She is seriously mistaken and it is misguided to tell people this, the Consumer Credit Act 1974 is clear on what is required to make a regulated agreement enforceable.

 

It must be a document containing the prescribed terms as laid down in schedule 6 column 2 of in Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553) which was amended by Consumer Credit (Agreements) (Amendment) Regulations 2004 (SI2004/1482) and further more, most importantly the document must be signed by both creditor and debtor in the prescribed manner as laid out in section 61 CCA 1974

 

To clarify s61 (1) states

 

(1) A regulated agreement is not properly executed unless—

 

(a) a document in the prescribed form itself containing all the prescribed terms and conforming to regulations under section 60(1) is signed in the prescribed manner both by the debtor or hirer and by or on behalf of the creditor or owner, and

 

(b) the document embodies all the terms of the agreement, other than implied terms, and

 

© The document is, when presented or sent to the debtor or hirer for signature, in such a state that all its terms are readily legible

 

Clearly this is a situation as described in s78 (6) Consumer Credit Act 1974 and the debt is unenforceable at this time. In addition, I draw your attention to section 127 (3) Consumer Credit Act 1974 which states

 

127(3) The court shall not make an enforcement order under section 65(1) if section 61(1)(a)(signing of agreements) was not complied with unless a document (whether or not in the prescribed form and complying with regulations under section 60(1)) itself containing all the prescribed terms of the agreement was signed by the debtor or hirer (whether or not in the prescribed manner).

This situation is backed by case law from the Lords of Appeal in Ordinary (House of Lords) the highest court in the land. Your attention is drawn to the authority of the House of Lords in Wilson-v- FCT [2003] All ER (D) 187 (Jul) which confirms that where a document does not contain the required terms under the consumer credit act 1974 the agreement cannot be enforced.

 

Therefore your advice is clearly wrong that mere acceptance of a catalogue will bind me into a regulated agreement, this can only be done me and the creditor signing a document in the form laid out in the CCA 1974

 

 

What I require

 

 

 

I require all communications in writing; I also require the production of a true copy of the executed credit agreement for this account before I will consider discussing this matter any further with your company. If you are unable to supply the requested documentation because no such agreement is in existence I require written clarification as such.

 

 

 

I require this information within 7 days of the date of this letter

 

 

 

 

 

 

 

 

 

i would throw something like that at them(moorcroft) it should give them the message loud and clear, you may need to check the spelling and amend it to suit your situation

 

regards

paul

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Thank you so much pt2547 it sounds great. I just have a couple of question before I send letter.

 

I first sent Littlewoods a credit agreement request in March 2007 and they sent me a blank copy of what an agreement should be (no signatures) this I received in August 2007 so sent then another credit agreement request in September 2007 no response from this as yet. I have also sent them a CPR rules and regualtion request asking for all information about my account including the true signed agreement this I sent special delivery on 16 November 2007.

 

I was under a payment plan with NDR so have I admitted the debt?

 

They passed my file on to Moorcroft and didn't tell me?

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Thank you so much pt2547 it sounds great. I just have a couple of question before I send letter.

 

I first sent Littlewoods a credit agreement request in March 2007 and they sent me a blank copy of what an agreement should be (no signatures) this I received in August 2007 so sent then another credit agreement request in September 2007 no response from this as yet. I have also sent them a CPR rules and regualtion request asking for all information about my account including the true signed agreement this I sent special delivery on 16 November 2007. ok well we dont need to tell them this as they have no right to collect this debt while the default continues

 

I was under a payment plan with NDR so have I admitted the debt?

 

NO absolutley not, you can only be legally bound to them by a regulated agreement containing all the prescribed terms and signed as already stated in the letter.

 

They passed my file on to Moorcroft and didn't tell me? and thats why we are fighting back, they have to prove they have a legal right to collect this debt until they do they can go away to put it politley

 

 

if you have any other questions please ask away

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Yes I do have another question hope you dont mind.

 

I also have another account with additions direct this is also owned by littlewoods I do have a signed agreement with this account can they use this agreement to enforced it?

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No. this agreement will only be relevent for the additions account

 

and just to add, just because you signed the agreement for the additions account, does not mean that A. they still have a copy and B that the copy they have (if they have one) is enforcable

 

regards

 

paul

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Thats a relief!

 

I do have a copy and I have signed it?

 

The letter to Moorcroft I would like to sent recorded delivery but the Moorcroft address is a po box number and I don't think po box numbers take signed letters?

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Thats a relief!

 

I do have a copy and I have signed it?

 

The letter to Moorcroft I would like to sent recorded delivery but the Moorcroft address is a po box number and I don't think po box numbers take signed letters?

 

Hi Lizzy,

 

I can confirm that they do sign for po box letters,,My mate works for RM and he said that the Po box is where all the letters are collected and are delivered in one bundle so the PO Box is at the sorting office.

Abbey Settled 3,600:cool:

 

Just started battle with

EGG

Virgin CC

Abbey

MBNA

 

 

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Lizz,

 

The scanned doc should be uploaded to a hosting site like UploadOne.com or photo bucket then copy the link page or the url script, click on insert image and paste the link on ths page.

 

if that makes sense.

Abbey Settled 3,600:cool:

 

Just started battle with

EGG

Virgin CC

Abbey

MBNA

 

 

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So I cant just scan the document and paste?

 

lizz, the scanned doc will be on your pc in my docs, open an account with UploadOne.com, when you have opened the free account their is an option to upload pics.

 

Click on the upload button on that site select what you want to upload from your pc my docs, after the upload is complete goto my-gallery on that site you will see the img script, highlight that info then copy it to this web page, you will need to click on the icon on the top of this page that says Insert image its like a stamp/hills icon.

 

and thats it..

Abbey Settled 3,600:cool:

 

Just started battle with

EGG

Virgin CC

Abbey

MBNA

 

 

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