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    • Thank you for taking your time and helping me on this. Would you recommend I also send a letter tomorrow to both BMW and Motonovo?
    • she and  johnson need to be kicked off the taxpayers credit card - for starters I'm certain there is cause - taking up 'jobs' when they shouldn't, bringing the nation into disrepute with their antics .. I'm sure it would be a very popular act from a new labour guv
    • Please have a look at this draft letter. It is modelled on yours but I have cut out a load of the unnecessary information. Also, the responsibility lies with the finance company because the vehicle was brought on hire purchase. You send it to them and a copy to big motoring world.   Let us know if there's anything that you disagree with, which is wrong, which you think should be added
    • According to Alastair Campbell on Twitter, anti-Le Pen parties are pointing to RN's fiscal policies and saying they'll cause a 'Truss-style market meltdown'. Liz Truss charged taxpayers for Amazon Prime subscription - Mirror Online WWW.MIRROR.CO.UK The subscription costing £95 gives the ex-PM free shipping from the retail giant, as well as the ability to stream films and TV shows such as My Fault...  
    • Thank-you @BankFodder, your statement is a correct understanding of my position and I agree, it is actually really what I was looking for in starting this thread, as I too believed that the maximum I could claim for is that which I sold it for, even though this was substantially below market value at the time. And so, this sold value is what I shall be claiming for + the other expenses. @dx100uk I get your point, but this is just not what I want to expose myself to. Unfortunately I was one of the unlucky ones to have my details stolen in the Peoples Energy hack, and in 2020 I discovered that those details had been used to take out car insurance, and that the insured was then involved in a collision and my details were dragged through the mud. Despite Aviva cancelling the claim and treating as though it never were, even though I have the letters from them to say that they have removed this claim from the insurance database, I still get refused insurance and credit products to this day until I send across the letter from Aviva which explains that I was a victim of fraud. So you'll forgive me for not jumping up and uploading my data to a server utility for which I have no control over its retention policy, or where the server is located globally, its legal jurisdiction, or its security protocols.
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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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CL Finance Claimform - old halifax credit card **WON+Charges back fron the OC**


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That's ok. . . i have the draft here. Just add your personal information to it later. I will try to convert it for you. A friend at work has said that there is a free programe to download, which will convert it to Works.

 

You could download Open Office yourself you know. . . maybe better for you anyway. Just do a Google search for the free version.

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ive got open office it wont open it uk right a copy of what ive sent off the cpr18 thing cos ive got the slip from post office do i need to do it again cos i still have the one bluey opened for me should i post off another copy then ?xxkia

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right ive tracked it they recieved it on the 27th should i print another copy off for my bundle and what date will i use the 27th or what let me know uk xxkia ps thanks t for that xx

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Check the Royal Mail website Kia, see when Halifax signed for your letter, then start counting from then.

 

I'd unistall Open Office and reinstall the new version of it, it may be that yours is corrupted in some way ... and it's free, so why not get the new version.

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Hi Kia

 

Keep a file and name it Court Bundle. Keep it all in one place. Yes count from the 28th as Queen T has said ..

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so u wanted to know the date for a reason uk didnt u what was it oh have u forgot now ive confused everyone and i have got a file with all my court stuff in but i dont think i printed 3 copies of that cpr do i have to do? that let me know xxkia

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Ok Kia. . . one copy of the CPR18 was sent by you, to the Halifax. One copy is for the court, and one for your bundle.So print off 2 more and put one into your court bundle file, the other to the court manager, with your claim number etc . ..

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Great, don't forget now?. .. . i will be checking .. ;)

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Lol. . .

 

Heard anything from them Kia?

 

Also, you should try and do an income and expenditure form for the judge to look at. It will let them know what your outgoings are, and will help the judge come to a decision, if it gets that far.

 

The time is up, i believe for the Halifax to respond to your CPR18. We will have to write into your defence non compliance there too.

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no nothing uk i forgot the forms too sorry head spinning again so what now uk expenditure sheet do i include his income cos he aint gonna be here much longer so do i do my money or both if us let me know wonder what you were laughing at uk:Dxxkia

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What forms have you forgotten?. . Are they the CPR18 copies?

 

If you don't hear in a couple of days, we will start off the counter claim paperwork. Do you have any statements with the APR, purchase rate of interest etc on?

 

I would just do your income and expenditure. Make sure you put down the rent / mortgage etc. If you need help with that i can find you a form to print out. I could post it on here.

 

I was laughing about your comment, the bit about checking you out .. .

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i know you were uk you naughty boy right no apr as yet so what now try another phone call im sick of phoning them all the time there just giving me the run around which is tyical really and yes post the form please or pm me i can copy and paste it from here can i cos if not ill do it from the pm thanks uk sorry was real busy yesterday and my internet went down as well fixed now but cost 120 pounds think he rippped me off as well but thats another tail is there a section about dodgy routers xxkia

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Hi Kia

 

Copy this over from the link and fill it in:

 

Free Income and Expenditure Form

 

We need to work out how much you have left each month to pay the Halifax. Your charges may not cover the outstanding amount by the looks of it.

 

Please call them again and explain that they have failed to supply the info under a CPR18. Demand your APR figure over the phone. Have you any statements with any rate on at all?

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no i havent uk none ive looked ill try but they wouldnt do it other day she promised it would be with me before court date but it wasnt its not here now they did send another copy but not an original so ill try tomorrow ok xxkia

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Did they send you a copy of the credit agreement before the court date?

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Ok .... If you can get the APR and the income expenditure done shortly it would be a great help.

 

Chin up Kia . . .:)

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dont start me off uk not feeling the best at the mo are u physic then ill try do them tomorrow but i gotta do some shopping as everything seems to be slipping at the moment and ive nothing done xxkia

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Ah hmmm. .. .

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Ok thank you. . . How you you?

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