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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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HFO CAPITAL/services/turnbull CCJ


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They have, I think, 21 days from the date of judgment to appeal. They would need astonishing grounds to get any extension given that THEY took YOU to court and should have had their evidence sorted first time. What can they change? What's new? Nothing!

 

Well, nothing unless they 'edit' all their documents to suit their case, which would be... well, stupid. HFOC can't take action, simple as that, unless they deny the assignment to HFOS doesn't apply which would be disingenuous at best. We can prove it applies to all debts bought by HFOC.

 

If they chose to claim as HFOS, I think it would be essentially the same claim so would be thrown out, especially as it would further suggest they don't know who owns the alleged debt.

 

And, as VJ says, that would mean getting really nasty back...

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They have, I think, 21 days from the date of judgment to appeal. They would need astonishing grounds to get any extension given that THEY took YOU to court and should have had their evidence sorted first time. What can they change? What's new? Nothing!

 

Well, nothing unless they 'edit' all their documents to suit their case, which would be... well, stupid. HFOC can't take action, simple as that, unless they deny the assignment to HFOS doesn't apply which would be disingenuous at best. We can prove it applies to all debts bought by HFOC.

 

If they chose to claim as HFOS, I think it would be essentially the same claim so would be thrown out, especially as it would further suggest they don't know who owns the alleged debt.

 

And, as VJ says, that would mean getting really nasty back...

 

The reply to my amended defence from Turnbull demonstrates entirely that they have absolutely no idea who owns the account...

 

Their paper trail is shocking and disingenous.

 

I feel it's time to apply for the strike out... I've had enough of these clowns.

 

The Judge has clearly disregarded their attempt to have HFOC added as a party... the document HFOS intend to rely upon to "prove" assignment clearly states that HFOC is the owner... no notice of assignment has been provided to HFOS etc...

 

I really can't see how they have any cause for action in either of our cases.

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The reply to my amended defence from Turnbull demonstrates entirely that they have absolutely no idea who owns the account...

 

Their paper trail is shocking and disingenous.

 

I feel it's time to apply for the strike out... I've had enough of these clowns.

 

The Judge has clearly disregarded their attempt to have HFOC added as a party... the document HFOS intend to rely upon to "prove" assignment clearly states that HFOC is the owner... no notice of assignment has been provided to HFOS etc...

 

I really can't see how they have any cause for action in either of our cases.

 

being pick its disingenuous ('cos my spell checker said so:D) - but the point I want to make is that it the most legally applicable word I can think of to describe the whole hfo mess. I also wonder as an aside if HFO Capital Ltd used in the UK is 1) misleading as it implies a uk company and more importantly 2)ambiguous since there are two foreign companies to whom this could apply?

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being pick its disingenuous ('cos my spell checker said so:D) - but the point I want to make is that it the most legally applicable word I can think of to describe the whole hfo mess. I also wonder as an aside if HFO Capital Ltd used in the UK is 1) misleading as it implies a uk company and more importantly 2)ambiguous since there are two foreign companies to whom this could apply?

 

You know there's only one thing worse than a fussy speller... and that's an employee at Turnbull :D

 

Forgive me a typo there HB... I've been arguing with HFO too long...

 

I agree though... they are incredibly naive to think I would let this drop... morons... I hope they turn up at the hearing actually... they would be depriving of my day in court if they discontinue now (even though they should because they are in a hopeless position)

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You know there's only one thing worse than a fussy speller... and that's an employee at Turnbull :D

 

 

 

what about Public Schoolboys?

 

 

Oh, Hello Donkey, hows tricks!:p

 

 

....and the word of the day is disingenuous (2 eyes in your head and 2 ewes in a Welshman's wellies)

- hope you read that before cagbot descends!

 

Actually I hope they do turn up, just to prove how daft they are. You never know you might get the man himself - is there a rutherford?

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Technically VJ, they may discontinue but you don't have to accept the discontinuation! You can insist on going to court. If it gets to the stage of counterclaim, their discontinuance would, I think, render your counterclaim won.

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mel,

 

It could be the letter from M&S will be used to start over again with HFO/TR issuing a new N1 claim. Sorry if that sounds bad but you've been through it once, so you will be able to beat them again. I suggest you wait to see if anything comes from SW19.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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Hi Docman

 

I think that would be difficult for them. The evidence would be essentially the same. They would have to then claim the account was assigned from HFOC to HFOS, which they did not claim first time round. This would simply raise more confusion, as Mel would still be entitled to enter the first M&S letter as evidence.

 

I rather hope they are stuffed. And they deserve to be!

 

I think they would get short shrift from the judge.

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I agree they shouldn't get far. My concern is that they start with a new N1 but do not produce any documents and still try for a summary judgment, hoping to get a district judge who isn't clued up on the CCA. Shouldn't happen but it does...

 

As to stopping them, the county court can make a civil restraint order banning further action on a claim under CPR 3.11. It is possible to get a stiffer ban from the High Court but a complete ban on them taking ANY legal action in ANY case has to be made by the High Court but only on the application of the Attorney General. The AG will only make such an application following an investigation by the Treasury Solicitor (a government department). T Sols (as they are known) won't conduct an investigation unless they get about SIX complaints concerning the same party bringing claims with little or no foundation.

 

From that lot, you may guess what I've been up to in the background. I've also had a chat to an old acquaintance who runs a small office in Leamington Spa. Mr T will know all about them and their collegues in Redditch, so I can't say more just yet.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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when i was in court, i gave the DJ my paperwork , and gave her the original M and S letter..... she didnt give me the original back. i guess its not worth worrying about now?

 

 

It should be on the court file now. You can ask to see the file and take a copy of a document on the file but I doubt you will be able to retreive the original. Might be worth though next time you are passing the court to pop in and get a copy.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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when i was in court, i gave the DJ my paperwork , and gave her the original M and S letter..... she didnt give me the original back. i guess its not worth worrying about now?

 

Don't worry Mel... there is a 'certified true copy' on this thread! Suggest you edit your thread to remove that fact and I'll remove this once you've done it. Ditto Docman.

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hi guys...

ive had a letter from the court today 'notice of transfer of proceedings'... saying as a result of an order made on 17th dec (??? on phone to court as we speak as dont know what order was made??)... its being transferred to another county court :(

 

HFO Capital have appealed the judges decision, so as the court it was originally heard in doesnt have an appeal judge, its been transferred to one that has.. he is back on the 4th jan... GRRRR..hoping the judge sees their crap!!.

Edited by melmumof3
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Oooer... looks like they may have appealed... if they have, don't worry. You still have a killer document.

 

Tell us more... if they're appealing, it's time to get Tony Hetherington at the Mail involved. He likes HFO. Not.

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Oooer... looks like they may have appealed... if they have, don't worry. You still have a killer document.

 

Tell us more... if they're appealing, it's time to get Tony Hetherington at the Mail involved. He likes HFO. Not.

 

hi DB, yes they've appealed, the court hasnt got the file yet, but will in the next few days. judge will make a decision if there is scope for appeal the week of the 4th jan...

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