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    • Hi, the vehicle went to Audi Chingford on Thursday 13th May. I did state beforehand that I only wanted a diagnostic. The technician out of courtesy opened the drain letting huge deposits of water escape the seals. Video evidence was provided via AUDI cam. The link for the audi cam has been forwarded to BMW and Motonovo. I spoke to branch manager explained the situation and he stated he would sent me an email outlining the issue. Audi state this is not really an issue and more of a design flaw. However, the seals still have water ingress. I purchased the vehicle with £0 deposit on a 60 months HP plan for £520.00. The vehicle total was £21000. I did not go for any extended warranty. I live almost 70 miles away from the aftersales centre in Peterborough. I have previously uploaded the document I forwarded to BMW however it was in word format. I have had to buy a new tyre almost three days after purchasing vehicle. BMW still have not compensated me for the v62 cost as they said they would. 
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    • I was caught speeding 3 times in the same week, on the same road. All times were 8-12mph higher than the limit. I was offered the course for the first offense and I now need to accept the other 2 offenses. I just want to be ready for what might come. Will I get the £100 fine and 3 points for each of them or do I face something more severe?  These are my only offenses in 8 years of driving.
    • I'll get my letter drafted this evening. Its an item I sold, which I'm also concerned about, as whilst I don't have my original purchase receipt (the best I have is my credit card statement showing a purchase from Car Audio Centre), I do unfortunately have the eBay listing where I sold it for much less. But as I said before this is now a question of compensation: true compensation would seek to put me back into the position I was in before the loss ie: that title would remain with me until my buyer has accepted this, and so compensation should be that which would be needed to replace the lost item. But in the world of instant electronic payment, it could be argued that as I had already been paid, the title to the goods had already transferred, and I was required to refund the buyer after the loss. And so, despite my declared value being the retail price - that which is needed to return me to my pre-sales position, the compensatory value should be the value I sold it for, which being a second-hand item from a private seller is lower. I still believe that I should be claiming for the item's full value, rather than how much I sold it for, as this is the same for insurance: we don't insure the value we paid, but rather the value of the item to put us back into the position we would be in if we ever needed to claim. Its for the loss adjuster to argue the toss
    • amusing that 'bad economic judgement on behalf of prior party ISN'T a major reason to wingers to move to deform yet immigration is, where record levels of such has been driven by the right wings terrible brexit and the later incompetent dog whistle 'proposals largely driven to whistle to the right wingnuts Just seems to confirm the are clueless numpties 'wetting their own shoes   Has farage bought a property in Clacton yet?   yet concern for the NHS is listed as a major issue even by those saying they are moving to deform  
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      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.
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      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.

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      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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Lowell CCA


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Just sent a CCA off to Lowell for an account they have been collecting on behalf of Barclaycard for an old student card I used to have. I have been with Lowell's for a couple of years, so I excluded the phrase saying "I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY" as I actually have been by making my payments.

 

My aim is to clean up my credit reports. This wasn't helped by Lowell duplicating information on, which they have now corrected, so I want to make sure they have their houses in order before I decide how to proceed with the removal of the default.

 

I know there are charges on the Barclaycard that can be reclaimed, so I want everything infront of me before I approach the default removal. If Lowell/Barclaycard cannot produce the requested information under the CCA then I will offer them a final settlement figure and request all information removed. I don't want to shirk out of paying the debt, but I'm not going to be strung along either.

 

If the CCA comes back fine, then I'll SAR Barcalycard and go the charges route. Ideally I'd like every aspect of the account removed from the CRA's, being a student and financially irresponsible has impacted me enough to want to get this sorted out as much as I can!

 

CCA sent today. I would imagine signed for on Monday, so Tuesday 11th of December they enter default. I am going to maintain my payments through this, they have been reasonable to me and I am not disputing the debt, so I don't feel it appropriate to do so.

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Letter received today:

 

We are in receipt of your request for a copy of your credit agreemeent in accordance with section 78(1) of the Consumer Credit Act 1974.

We are also in receipt of the prescribed fee from you.

 

We are requesting a copy of the agreement from the original lender with whom you originally entered into the agreement.

While we endeavour to reply to you with the required information within the prescribed 12 day period under the Consumer Credit Act, you will appreciate this is dependant upon receipt of the information from the original creditor.

Yours faithfully

 

Well, I appreciate the 12 day period, I do not appreciate any delays.

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  • 2 weeks later...
  • 2 weeks later...
  • 2 weeks later...

Well still not heard anything from them at all and on Tuesday they commit an offense.

 

Funnily enough, my payment date has elapsed and they haven't sent any letters or phonecalled me about it at all yet..

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Well today is the end of the 12 + 30 days and the only thing I've heard from Lowell has been the letter confirming receipt of my CCA request. Not even a peep from them on the phone wondering where my usual payment is.

 

I don't know whether to be worried by this or not..

 

I can still access the electronic proof of delivery that quite nicely has the name and signature of the Lowell postie, so I'll be printing that off tonight and filing with the original letter.

 

What should my next step be, just sit tight and wait?

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Sit tight and wait for their compliance.

Without the CCA NO ONE is taking enforcing action.

 

Excellent.

 

I'll let them get on with what they're doing and as long as it's not pestering me then that's fine by me.

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Now IF they demand payment after the 12+month has expired then a report to Trading Standards would be in order as they are chasing an unsubstantiated debt.

 

That's what I understood to be the process, would it be my local or Leeds TS?

 

If, or when, they produce something they claim to be the CCA Agreement but it's just an application form or something equally as relevent, or they cannot locate the original0, would that be time to hit Barclaycard with an offer of settlement with all negative information and default removed with the CRA's?

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  • 2 weeks later...

4 calls in 5 minutes last night after hanging up on them the first couple of times. The 4th call I advised that I was witholding payment until they comply with my request and that I wish to only discuss this matter in writing from now on.

 

What's the next step, shall I send Curlyben's letter:

 

Formal Complaint

Letter before Action

 

Dear Sir/Madam,

 

With reference to my previous letters, I wish to draw you attention to your company's lack of compliance with my legal request.

 

On **DATE** I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. A copy of which is enclosed for your purusal and ease of reference.

You have failed to comply with request, and as such the account entered default on **DATE**.

 

The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document.

 

As you may not be aware , failure to comply with this request within 12 working days renders the alleged debt UNENFORCEABLE in law. Furthermore, if this non-compliance continues for a further month then a summary, criminal offence is committed.

 

Furthermore you should be aware that a creditor is not permitted to take ANY action against an account whilst it remains in dispute.

 

The lack of a compliant credit agreement is a very clear dispute and as such the following applies.

 

* may not demand any payment on the account, nor am I obliged to offer any payment to you.

* may not add further interest or any charges to the account.

* may not pass the account to a third party.

* may not register any information in respect of the account with any credit reference agency.

* may not issue a default notice related to the account.

 

Therefore this account has become unenforceable at law.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

After taking advice, I am of the opinion that your continued pursuit is in violation of the Administration of Justice Act 1970 section 40, Protection from harrassment Act 1997 section 3 as well as breaching a number of the OFT Collection Guidelines.

 

I reserve the right to report your actions to any such regulatory authorities as I see fit.

You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

 

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you would prefer to do this than merely respond with standard letters and leaflets.

 

I would appreciate your due diligence in this matter.

 

I await your rapid response.

 

Yours Faithfully

To up it a notch now they are clearly going to be getting a bit heavy handed?

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Yep looks good to me.

Time to hit them and give them one last chance before YOU take action.

 

I'll get that drafted and ready to be sent tomorrow.

 

I was quite annoyed at having to curtail a call to a friend to answer the 01132 number, as I wasn't sure who it was.

 

As things stand I've got the upper hand so I'm going to hit them hard while they are very much down on the floor.

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Received a letter yesterday saying:

 

"We have been informed that your agreed payment of £x has not been honoured and your account is now in arrears. We therefore require you to contact us on the telephone number below and make your payment immediately. It is imperitive that you honour the agreement you entered in to clear the outstanding balance. This will also help you repair your credit file."

Rather polite, no threats of CCJ, Warrent of Execution, being hung or the usual tactics.

 

They still haven't even sent me anything further to do with my CCA request than confirmation I have requested it.

 

Hopefully the letter previous will jolt them into doing something.

 

I'm going to throw the telephone harassment letter at them too, I don't like getting calls at all times of day, especially when I'm working.

 

Any advice on how to go or just sit tight still?

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Oooops wrong C&P.

 

Right as Lowell are chasing an unsubstantiated debt time to get TS involved.

 

Do I just contact my local TS branch and take it from there?

 

I've got a dossier of all the documents sent and received with Lowell, it's quite damning for them..

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Local TS first and they should refer it.

 

I've just thought.

 

About 3 months ago I queried a duplicate default on my records, CRA queried it and it was agreed to be removed as a duplicate in error. If things do get more serious, could I use this to further bolster my case if I got a letter confirming this from the CRA?

 

If push came to shove as a counterclaim could I claim on not only the current default but the erroneous one too?

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Not had any correspondance back from the letters but they've started the phonecalls now, todays was answered with "I've requested all communication in writing" and ending the call there.

 

I've got a log of the calls so far, should it be required in the future..

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