I need to solicitor to serve a LBA ( Letter Before Action )

born_again

TBH. Given the legal advice you have had. It is pointless asking for further advice. Just go with the legal experts.
Yes that will cost more than doing it yourself.
The fact legal experts went quiet when you quoted AI says all you need to know.

You just need to be totally clear exactly what amount you are claiming for. As still not sure what your actual losses are?

You linked to a site about miss sold finance, in the original thread That referrers to the ongoing case, not your situation.

Is this company still trading?

Ehi

eskbanker said:

It seems likely that this thread will start to stray into discussing the merits, or otherwise, of your claim, which will inevitably overlap heavily with what was discussed previously over on the other thread, so to avoid reinventing wheels it might be worth simply updating the other one with what's happened since last year?

In terms of the question asked in this thread, you're already in dialogue with 'legal reps' and 'direct access barristers', so if you're wanting to engage someone to assist with submitting an LBA and then presumably launching a claim, then those are likely to be more fruitful avenues than a thread on here (or AI)!

Nothing has happened, except the rejection by the financial Ombudsman, citing it was late

I have spent time doing research

Oh by the way, I spoke over an hour plus with trading standards, who said I should report the outcome to them and FCA, and said to go via Consumer protection finance as a breach of UK Law. Unlike the solicitors, they said it was a clear breach

I cant address all said, but one thinng I learnt in my 6 years divorce, was when I did it my way, I won. The solicitors just had one hand in my pocket all along and dribbling me

eskbanker

Ehi said:

I cant address all said, but one thinng I learnt in my 6 years divorce, was when I did it my way, I won. The solicitors just had one hand in my pocket all along and dribbling me

In which case, if you're convinced about the quality of your own research, why are you looking to engage a solicitor just to send a LBA?

sheramber

What exactly do you want from the court case?

Money? 

To return the car you have and get the one you wanted? Is it available?

You have a car on PCP.

Can you not trade in the car you have and buy the one you prefer? 

Okell

Ehi said:

Voyager2002 said:

Serve simply means to give someone a legal document. In case of a Letter Before Action, so long as you are confident that you know the current address, all that you need to do is take it to a post office, apply a stamp, and get proof of posting. 

I would be very glad to do that for you for a little less than your best quoted price (£480).

... The first one, I did in 2019. I served myself and won, but they refused compensation and then I got the ombudsman invovled and it was too late

Is the "first one" referring to your "temporary" car purchase that was the subject of your previous thread a year ago, or is it referring to something different?

If it is referring to the "temporary" car purchase, what do you mean that you won but they refused to pay you and you had to go to the FOS who told you you were too late?  This time last year you were drafting your complaint to go to the FOS which you said they had accepted.  How was it too late?

Exactly how long ago was the "temporary" car purchase?

Okell

Ehi said:

eskbanker said:

You're considering believing AI over two human legal reps?

I recall that one central theme of that previous thread was how difficult you found it to express concisely exactly what your issue is/was, so it's entirely possible that different opinions will be a direct consequence of the resultant confusion.

Yes, as after AI explained it all ( with plenty of examples ) I told the legal reps, what AI adviced and one of them said Mis-representation was not consumer law, rather contract law. Which is not his area and the other was silent. I did a number of direct access barristers, who agreed with my AI findings, but said it would depend on the courts, what I receive...

So have you finally accepted what you were told in last year's thread?

ie that you haven't got a case for mis-selling of the finance contract - which is what you were constantly banging on about in last year's thread - but that you might (stress "might") have a case for misrepresentation against the dealer (and hence also against the finance company via s75 Consumer Rights Act).

So is mis-representation going to be the basis of your claim?

And how much is your claim going to be for?  What actual losses have you sufered as a result of misrepresentation, if there was any misrepresentation at all?

Remember you bought a "temporary" car for £17,000 (or was it £19,000), but what loss did you incur?  You could have sold it or traded it in at any time.  You might think you paid over the odds for it but that is neither here nor there.  You weren't forced to buy it.

Why are you resorting to AI when your one of your cousins is a solicitor and another(?) a barrister?  Why won't they help you?

Ehi

Okell said:

So have you finally accepted what you were told in last year's thread?

ie that you haven't got a case for mis-selling of the finance contract - which is what you were constantly banging on about in last year's thread - but that you might (stress "might") have a case for misrepresentation against the dealer (and hence also against the finance company via s75 Consumer Rights Act).

So is mis-representation going to be the basis of your claim?

And how much is your claim going to be for?  What actual losses have you sufered as a result of misrepresentation, if there was any misrepresentation at all?

Remember you bought a "temporary" car for £17,000 (or was it £19,000), but what loss did you incur?  You could have sold it or traded it in at any time.  You might think you paid over the odds for it but that is neither here nor there.  You weren't forced to buy it.

Why are you resorting to AI when your one of your cousins is a solicitor and another(?) a barrister?  Why won't they help you?

I dont want to deviate from the topic. Which is how best to serve a LBA

I was lied to repeatedly by a car dealership, and have tonnes of email, quotations, vehicle of interest print out, a customized spec for an SUV, complimentary cards etc ??? 

And I am meant to pretend nothing happened ? I am just a simple bloke trying to articulate theft on a corporate scale.

MOVING FORWARD
I have lodged a complaint with FCA today, who said I did the right thing and they will investigate the firm via an independent assesor and asked to me lodge with trading standard ALSO

One last thing, I did not google love for love on a random dating website and received promise, that never materialized or stopped at a road side mechanic. This is one of the top 3 biggest car manufacturers and I find the practice TOTALLY AND COMPLETELY UNACCEPTABLE

Ehi

Okell said:

ie that you haven't got a case for mis-selling of the finance contract - which is what you were constantly banging on about in last year's thread - but that you might (stress "might") have a case for misrepresentation against the dealer (and hence also against the finance company via s75 Consumer Rights Act).

So is mis-representation going to be the basis of your claim?

And how much is your claim going to be for?  What actual losses have you sufered as a result of misrepresentation, if there was any misrepresentation at all?

Remember you bought a "temporary" car for £17,000 (or was it £19,000), but what loss did you incur?  You could have sold it or traded it in at any time.  You might think you paid over the odds for it but that is neither here nor there.  You weren't forced to buy it.

Why are you resorting to AI when your one of your cousins is a solicitor and another(?) a barrister?  Why won't they help you?

spot on

My cousins are useless, when it comes to asking advice, if its about throwing a party, then Yes

....apart from the younger cousin, whose buddy, advised me on the FCA customer's journey, they did not have a clue. It was AI, that flagged up mis-representation act and now, you mentioned s75 consumer rights act

thank you all

Okell

You haven't answered my question about the FOS rejecting your complaint as being out of time.

Exactly when did you buy the "temporary" car?

eskbanker

Ehi said:
MOVING FORWARD

I have lodged a complaint with FCA today, who said I did the right thing and they will investigate the firm via an independent assesor and asked to me lodge with trading standard ALSO

That doesn't sound like what the FCA would say or do, are you sure it wasn't FOS?

And Trading Standards may investigate a trader but won't actually assist a complainant as such so that won't be an avenue for cost recovery, which is presumably your primary focus?