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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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    • 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.

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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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Moorcroft & Citicard credit card debt


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Good morning All,

 

I've received a notice of Intended litigation from Moorcroft for a debt of £7700.

 

If I have read the threads on the forum correctly, I should be sending off for a CCA to Moorcroft.

 

What should I do after this and if anyone can explain what will possibly happen?

 

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You can use letter N in the Templates Library here. Should fulfil your purpose.

 

Note that Moorcroft are not in default unless and until they either fail to produce your agreement within the 12 days as specified in law (plus a day at each end for posting) or the agreement is not compliant. When (if) you get your agreement then we can look at to see if it is compliant.

  • Haha 1

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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these idiots would have wished they had never messed me, mrs dyde and aj martin and all there rude fone workers

 

chased me for months with begging letters, phone calls, even some very old geezer at the door telling me ill go to prison, telling me he was only doing a job to top up his pension and there was no need to be so rude to him.

 

One simple CCA and they closed file and sent back to the Halifax, why moorcroft, you were really were such a pushover.

 

Mess around with them to start with then send a CCA, do what I did send a big brown envelope and write payment enclosed stuffed full old newspapers.

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All their silly letters contain the word "litigation", i bet it was headed "pre-court division", as they all appear to. I wonder if they even know the meaning of the word litigation, as they never answer your letters, prefering to merely fire off another of their template letters containing the usual nonsense:D

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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  • 1 month later...

Hi All,

 

Just to update this thread.

 

As you've probably guessed they're looking to get a copy of the CCA ( this was 3 weeks ago).

 

 

The letter goes on blah, blah, blah and then says

 

"In the meantime however we believe that it may be of assistance to all parties if we also take this opprtunity to ensure that any potential areas of dispute are addressed prior to any possible court action or further investigation. Please could you give an indication of the information you will be providing, when giving evidence to the court or providing information to the relevant statutory authorities in relation to the alledged subject matter of the account."

 

 

WTF - They want me to do their job for them..........not likely !

Edited by supasnooper
damn lappy touchpad.

 

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I enjoy getting letters form Moorcroft as they just dont have a clue

 

They are chasing me for a debt that does not have a CCA, but there is no need for me to tell them that, lol

 

They will soon go away

It's all fun and games until someone loses an eye :D

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I'm just waiting for them to phone me................but hey, they haven't !

 

Been really inspired by Fuzzybobble to give them a hard time.

 

They tried to phone me at work once and all I kept repeating was "I can not answer anything over the phone, everything must be done in writing"

 

After about the 20th time of saying it, they decided it was better to write to me :grin:

It's all fun and games until someone loses an eye :D

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only 20 time manc

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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only 20 time manc

 

I was lucky I guess

 

I had it written down so that I didnt get confused

 

The funniest part was when they said that they HAD written to me but i hadn't responded, so i just said the line again!!

It's all fun and games until someone loses an eye :D

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they dont like it when u dont provide a phone number either

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Please could you give an indication of the information you will be providing, when giving evidence to the court or providing information to the relevant statutory authorities in relation to the alledged subject matter of the account."

 

 

 

Tell them you dont have time for such trivialities as attending County Court as you are too busy but the QC you have instructed will be enquiring why they have your personal data without prior written authority and why they have ignored your Rights under the CCA.;)

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I think the spotty youth who is the Moorcr*p pre-litigation department has been watching too many police dramas. Cops have to give people warnings about not mentioning-what-they-later-rely-on-in-court etc but in this case it is abolute and utter ballcocks. I wonder what a judge would say if they actually carried out their threat and issued a claim.

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Your fired

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi again,

 

Had to go for my dinner otherwise wouldn't be allowed out to play again :)

 

 

Love the replies and might just follow The Chancellors advice when I get a few minutes at work. ;)

 

I can't believe how quiet the phone has been since I CCA'd the DCA's........ even the neighbours commented how popular I was between 8 a.m. and 10.00 p.m.

 

Never mind; I'll just have to make do with a day in court with Restons :D

 

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I can't believe how quiet the phone has been since I CCA'd the DCA's........ even the neighbours commented how popular I was between 8 a.m. and 10.00 p.m.

 

 

Same here.

 

Have started to set the alarm again for morning.:p

 

Keep picking up the phone to check we haven't been disconnected again:rolleyes:

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