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    • 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
    • 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  
    • Also, have you told us how much you paid for this vehicle? Are there any other expenses you have incurred – insurance, inspections et cetera? How far away from the dealership do you live?
    • In fact I see that in the document you posted above – your letter to big motoring world you refer to the diagnostics report and you say that you sent a copy to big motoring world but you haven't let us see it. Any reason for this?
    • You may have posted already – but anyway, have you got anything in writing from Audi or anyone confirming the water in the sills?
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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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media companies and defaults


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can media companies not governed by cca still place defaults????

 

I read this some time ago... I really need this clearing up.... as I have company placed a default cost me considerable money....

 

 

 

"The Consumer Credit (Enforcement, Default and Termination Notices) (Amendment) Regulations 2004, laid under the Consumer Credit Act 1974; (3237)

 

This means they are regulations UNDER the CCA. So VF can't say they apply but CCA doesn't.

 

 

There was a minor interesting point developed yesterday though regarding the issuing of default notices from Vodafone, who as we know, now claim that their 'airtime contracts' are not 'regulated products' under the CCA.

 

Well, are you aware of any other legislation that describes or defines 'Default Notices'? NO? Neither am I!

 

So - I telephoned CCCS and asked them the following question :-

 

Q "If a supplier claims that their product is not a 'regulated product' under the CCA, can they issue a default notice?"

 

A "No. There would be no point - the default notice is a specific notice, defined under the CCA that is a prelude to further action, if they have issued a default notice then by default (no irony intended) the product must be regulated under the CCA."

 

i.e. They can't have it both ways - either it IS covered within CCA and the default notices are legitimate or it ISN'T covered and they're not.

 

I'm not sure this is the full story on this yet, but I sent the same question to Vodafone (who have since admitted they cannot locate a certified copy of my contract).

 

I think there may have been something in 1993 regarding 'contract, consumer defaults or something' must go look...

 

(Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1993). "

Only direct action by the masses will work....

 

Look at all successes they have never come from negotiation!!!

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I've alwyas thought the same, if the product or service is one that is not regulated by the Consumer Credit Act 1974, then the company should not be able to touch your credit file, placing defaults or delinquent markers on a credit file.

 

But it never seems to be the case, mobile telephone accounts aren't covered by the CCA 1974, but mobile operators are usually the first to bang a default on your credit file.

 

I think access to managing credit files are the CRA's needs to be relooked into, as I'm sure these companies are acting outside the scope.

Thanks

- Hobbie

 

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Under no circumstances should you speak with a Debt Collections Agency via telephone, request that all future correspondence is done in writing, a letter template for this can be located here.

 

Any views expressed are solely that of my own, any advice or information offered is provided in genuine good faith, and should be checked prior to acting upon.

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can somebody bump to get some definitive answers... cheers hobbie

Only direct action by the masses will work....

 

Look at all successes they have never come from negotiation!!!

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fergal, you can bump your own thread just by posting. :) I am sorry I dont know the answer to your question. Hopefully some one who does will be along soon. xx

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