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    • Please can you avoid posting solid blocks of text. It is difficult for people to read especially when they are using a small screen such as a telephone. Well spaced and punctuated please. I hear what you say about the evidence – but do you have copies of it? And if so can we see it please. That's the point. We want to know what you have. As long as you have the evidence in your possession then you have some kind of control
    • 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. 
    • I would suggest that you stop trying to rely on legal theory – as you understand it. Firstly, because we are dealing with practical/pragmatic situations and at a low value level where these arguments tend not to work. Secondly, because you clearly have misunderstood the assessment of quantum where there are breaches of obligations. The formula that you have cited above is the method of loss calculation in torts. In contract it is entirely different. The law of obligations generally attempts to remedy the breach. This means that in tort, damages seek to put you into the position you would have been in had the breach not occurred. In other words it returns you to your starting position – point zero. Contract damages attend put you into the position that you would have been had the breach not occurred but this is not your starting position, contract damages assume that the agreement in dispute had actually been carried out. This puts you into your final position. You sold an item for £XXX. Your expectation was that you your item would be correctly delivered and that you would be the beneficiary of £XXX. Your expectation loss is the amount that you sold the item for and that is all you are entitled to recover. If you want, you can try to sue for the larger sum – and we will help you. But if they ask for evidence of the value of the item as it was sold then I can almost guarantee that either you will be obliged to settle for the lesser sum – or else a judge will give you judgement but for the lesser sum. This will put you to the position that you would have been had there been no breach of contract. I understand from you now that when you dispatch the item you declared the retail cost to you and not your expected benefit of £XXX. To claim for the retail value in the circumstances would offend the rules relating to betterment. If you want to do it then we will help you – but don't be surprised if you take a tumble.  
    • 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
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    • If you are buying a used car – you need to read this survival guide.
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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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marlin finacial services


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hi to anyone who might be reading this and thanks in advance for any help you can offer. im new on this site so forgive me if this is in the wrong place.

i have a debt for car finance via a hp agreement taken out originally in 2002 in my name but was for my then partner. we split up he took car, i never made any paymrnts and neither did he. the car was reposessed and i heard nothing more. i offered to pay instalments in march 2003 but never did and heard no more about it. all was forgotten as my ex then died and i concentrated on clearing all our debts i had been left with. the car one never showed up on any credit ref files so i honestly didi forget it.

then in may this year i got a letter from MARLIN FINANCIAL SERVICES demanding payment.

at first after advice from forum on money saving expert thought it might be statute barred but turned out its not.

marlin just wont compromise at all on payments they want (72 per month) despite providing them with budget sheet from NDL and explaining that at present i cann only afford £36 a month but that this is only for the short term.i have sent one payment up to now out of goodwill but they still wont budge.now threatening court action which i really dont want as i have no ccjs and any defaults i did have will all be clear as of next year. any advice please?

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thanks onmywayout but i think they have done this as i requested a copy of my cca and they did send it. just hate that after taking all these years to clear my debts and name they might "blacklist" me all over again. have read the OFT guidelines on dcas and think they might be classed as harassing me as despite my offers and proving i cant pay more they wont accept.think this is referred to as "deadlocked"???

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Borrowed a copy of a prove-it letter from FuzzyBobble: -

 

Fill in the details to suit...........

 

Dear Sir/Madam,

 

Account no: xxxxxxxx

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

I/we look forward to your reply.

Yours faithfully

 

(Your Name) Print do not sign

Edited by OnMyWayOut
Sorry FozzyBobble - I meant FuzzyBobble!
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yes unfortunately it is. it has all the relevant details, total sum of credit, cash price, payments, APR etc etc.

 

If it did go to court then Marlin's know that the judge won't make you pay anything more than you can afford - especially after you've provided marlin with an incomings/outgoings list. In fact, the judge would look down on Marlin's for even taking it to court.

Personally, I'd call their bluff, and say to them, "Ok, if you think a judge would force me to pay more than I can afford, then take me to court."

In the same letter, I would inform them that I was reporting them to the FOS, OFT and anyone else that should be told that they are trying to force you to make higher payments than you can afford.

  • Haha 1

Just hate every DCA out there

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thanks, i was inclined to do this and call their bluff but from past communications with them i think they will take me to court. i wrote in one of the NDL letters informing them that under OFT guidelines the judge would frown on them for taking it to court after id offered several times to resolve this without court action. iv kept copies of all the letters iv sent so i do have proof.

my only reluctance is that i have a fixed rate mortgage that ends next year and would be looking to move this , i dont want a ccj affecting my chances of switching. its so unfair because as iv already said my credit file is completely clear of any defaults next year, iv worked so hard to keep on the straight and narrow after my partner died and now this might all change. does anyone know if this ccj would seriously affect my ability to get new mortgage or will i be ok?

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my other thought is to just pay what they want to the detriment of something else in the short term???

 

NO- Do not do this, you'd only be allowing them to bully you.

 

Even if Marlin applied for a CCJ, you can defend it - saying you have made several attempts to resolve this matter without it going to court, and you can produce the evidence to support this.

 

CCJ's can obviously make it more difficult to obtain credit but I'd be surprised if Marlin applied for a CCJ - especially if you are making payments to them at the moment. You said you've made one payment- well if another month has passed then make another, and another in a month and so on. BUT only make the payment for what you can reasonably afford and NO more. Don't pay by card or Direct Debit though. Standing Order, cheque or Postal Order is the way to do it.

Just hate every DCA out there

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Am I Correct In Thinking That If They Did Take Me To Court The Court Would Not Neccessarily Grant A Ccj If I Can Prove Iv Tried To Resolve This? Or Would They Likely Grant The Ccj But At A Payment I Can Afford?

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also have been reading some of the other threads and not sure i understand. the cca i was sent by marlin was a photocopy, should this be the original copy and not a photocopy to make it enforceable?

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also have been reading some of the other threads and not sure i understand. the cca i was sent by marlin was a photocopy, should this be the original copy and not a photocopy to make it enforceable?

At this stage they will only send you a copy, but as I understand it they need the original for court action. The copy you receive must be fully legible.

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thanks onmywayout.

the copy is legible i suppose. iv sent another letter to marlin today reiterating everything iv already said. i.e. original offer of payment still stands, that this is hopefully only a temporary solution and hope to pay more soon, to stop asking me to telephone on their premium rate number i will only contact them by letter, to respect that i work shifts including nights and so may require extra time to reply to them, to reconsider my offer as it is all i can afford at present, they are bullying me by continually demanding more, that the court would frown on them for taking it to court if they did as i have tried everything to settle without court action, that i am forwarding complaint to OFT and FSO because they are making me ill with all the stress and undue harassment.

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  • 2 weeks later...

reported them to fso 3 days ago so hopefully might get a good reply. they are sending them a letter on my behalf asking for them to accept my temporary offer of payment and stop court action. we shall see!

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Hi all,Wonder if you can help. My dad has received a letter from Marlin regarding a car he had on finance in 2001. He handed the car back on 01/10/2001 and heard nothing else until a couple of weeks ago. He has now received several threatening letters - one threatening bankruptcy regarding the original car loan. They are asking for GBP5158.65!! Can they pursue a debt that is almost 7 years old? When my dad handed the car back he was under the understanding that he would hear no more as he had paid half. Until now he still believed this was the case. He has not responded to any of their letters but their last one was extremely threatening. Any advice??

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hi bridezilla, firstly i know my thread is also about marlin but i think you really need to start a new thread or we are all just going to get confusing information.

anyway do you know when the last payment was, if its more than 6 years and no communication of any kind also then i think it may be statute barred but im sure others will help.

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just out of interest the letters i first received from marlin were just from them re my account number and now they are signed from "litigation section" at marlin and also headed " MCE PORTFOLIO LTD v my name". do you think this is just to try and scare me or serious???

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