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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. 
    • 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
    • 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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    • 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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A little complicated (Link, Apex, Payplan, reclaiming fees?)


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Hi everyone,

 

there's some great advice on here, but thought i'd try a new thread to see if anyone could advise.

 

A year and a half ago, my repayments on various loans and credit cards were falling behind - all debts accrued to pay my own way through higher education over a 5-year period. Previously i'd managed to keep on top of the payments but was falling behind. I requested payment holidays for 6 months until I was back on a firmer footing, but all creditors refused. I contacted Payplan, who were fantastic in sorting out the initial agreements, and the arrangements went without a hitch.

 

Unfortunately, there seems to have been some mixup with payment dates which i wasn't informed about, which has resulted in a couple of the accounts being passed to DCAs.

 

Don't want to give too many details on a public forum - but currently there's a largish balance which has just been passed to Link. A smaller on with Apex, and much smaller ones with a couple of other creditors that are still with the original creditors. Total is about 10k.

 

I was wondering what options people would recommmend? Obviously looking through other threads on the site, there's an argument that Link and Apex have slightly shaky ground when it comes to reclaiming debts. How would following the CCA route affect the Payplan agreement? And would it be possible to claim charges back from the original creditors now these have been passed onto DCAs?

 

Sorry, know there are a lot of questions there, but thanks in advance for your help.

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Cheers, so it would make sense if i was to CCA each of my creditors (4 total), and then ask Payplan to negotiate with any that return valid agreements?

 

In the meantime, and of course after I've actually sent letters off, would it be valid to ask payplan to stop payment, ow would it be more sensible to ask them to stop after the 28 day period has elapsed?

 

I only ask as if payplan pay to Link or Apex, is it then assumed I agree to the debt?

 

Thanks

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After you have sent your requests unsigned & by recorded delivery enclosing a £1 postal order they have 12 + 2 days from receipt to comply. If they fail to do so you are legally entitled to stop paying any creditor who fails to comply.

 

When you receive your CCAs back & have determined whether they are enforcable you have various options. If they are not enforcable you can either stop payment all together or negotiate a full & final payment etc. Although they may not be legally enforcable it doesn't mean that they don't still exist & indeed even if a creditor may not be able to provide a copy of a CCA now it doesn't mean that they cannot produce one in the future.

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Entertaining letter arrived today - purporting to be from HSBC, on headed paper no less, but after a bit of digging, appears to be from link. One for the file I believe.

 

I'm being told that if a company can't provide a CCA, then a court may decide that the debt is unenforceable, whereas I was under the impression that is a company couldn't provide a CCA the debt WAS unenforceable.

 

If I was to go for both CCA for checking enforceability of debts and Subject access requests to begin the claim process for charges, would these go to the Original Creditor or the DCA? Or both?

 

Thanks in advance.

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Hi,jj77.

 

CCA to the DCA that's chasing you now.

SAR to the Origional Creditor.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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There's no way, you would find that out. IMHO

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 5 months later...

All going ok so far, but haven't been able to stop Link adding data to my credit reference file.

 

Just got this letter though, appears to be full of nonsense, but just wanted to make sure. Hope someone can tell me if it is rubbish. (Link are now about 3 months post-default on the CCA request)

 

Dear XXX

 

Unfortunately at this time we are unable to supply a copy of your (CCA) agreement however the FOS have made it clear that in situations such as this it is not unreasonable for us to continue reporting a default if it is an accurate reflection of how the account has been paid. The ICO have also made it clear that if a default on a credit file 'accurately reflects the payments on the account' then the fourth principle of the Data Protection Act 1998 has been complied with, and therefore the continuation of reportting the account is acceptable.

 

The Information Commisionner's Office state "...The failure of a creditor to produce a copy of the signed credit agreement is not, on its own, evidence that your debt does not exist or that it is not enforceable, and should therefore not appear of your credit file. If the credit grantor can supply other evidence of the agreement, and you have no evidence to contradcit this then it is likely to be proper for the debt to be recorded on your credit reference file."

 

Therefore if an agreement is not available it does not mean the account is unenforceable and should be deleted from your credit file. The payments you have made towards your account are proof that an agreement exists(?) . Please fill in and return the personal budget plan, which has been sent to you separately so an affordable repayment plan can be organised.

 

End

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Basically no CCA = no enforceable debt. It is true they can trash your credit file for six years from the date of the default but as for "payments you have made towards your account are proof that an agreement exists" that is total bollox & in fact they are trying to mislead you which is against OFT guidelines, so they should be reported for that.

 

They know they have an unenforceable agreement on their hands so ignore them. If they continue to pursue make another complaint to the OFT.

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Thanks, that's great

 

re: the previous payments, if i'm sending a reply to Link, could someone advise how I should tackle this?

 

Cheers

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