Jump to content


  • Tweets

  • Posts

    • 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  
  • Our picks

    • 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
        • Like

Capital One CCA


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5233 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello to all,

 

I after some more help please!

 

I sent a CCA request to Capital one and have got the following back:

 

cap1.jpg

 

 

 

cap2.jpg

 

 

Can they really send me this to satisfy my request?

 

Do i send the next letter now or wait 30 days? (sorry still trying to get my head round all this)

 

 

James.

Link to post
Share on other sites

Hello to all,

 

I after some more help please!

 

I sent a CCA request to Capital one and have got the following back:

 

cap1.jpg

 

 

 

cap2.jpg

 

 

Can they really send me this to satisfy my request?

 

Do i send the next letter now or wait 30 days? (sorry still trying to get my head round all this)

 

 

James.

 

The 30 days are no longer valid.

 

And yes, they can send that to satisfy your request.

 

Just put Capital One into the search bar and read the other threads.

 

Jogs

Link to post
Share on other sites

Quick update,

 

I have received the following from capquest (debt passed to them just as I did a CCA request so i sent one to them too)

 

Can anyone give some guidance? They say my account is on hold until 03 sept 09 and if i dont pay i'll be passed on to the collection department.

 

James

 

capfront.jpg

 

capback.jpg

Link to post
Share on other sites

  • 3 weeks later...

Hello,

 

Sorry for leaving this a while (I'm dealing with 10 different debtors which is proving difficult and am now thinking about an IVA)

 

I got a letter from H L Legal Solicitors this morning threatening court action over the Capital one debt.

They are asking for settlement of the debt or a 'satisfactory proposal for repayment' or court proceedings may be issued against me.

 

Anyone have any advice, I'm starting to think ive bitten off more than I can chew with all this.

 

Should I tell them to pass the debt back to capital one as its in dispute?

 

James

Link to post
Share on other sites

I'm going to send this tomorrow:

 

Dear Sir/Madam

 

Ref: xxxxx

 

This account it is in dispute with Capital One and has been since 03-08-2009.

 

Not only is this a breach of the Consumer Protection From Unfair Trading Regulations 2008 and the Office Of Fair Trading's debt collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998.

 

As Capital One are now in default of my Consumer Credit Act request and OFT Debt Collection Guidelines, I consider this account to be in SERIOUS DISPUTE.

 

As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law.

 

Consequentially any legal action you pursue will not only be fully and vigorously defended, it will ALSO be averred as both UNLAWFUL and VEXATIOUS.

 

Now I would respectfully suggest that this account is returned to Capital One for resolution of these defaults and breaches, as H L Legal Solicitors/ CapQuest Debt Recovery cannot lawfully pursue any enforcement activities.

 

If H L Legal Solicitors/ CapQuest Debt Recovery chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

 

After taking advice, I am of the opinion that any continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines and the Consumer Protection From Unfair Trading Regulations 2008.

 

I hope that this will not be necessary and an acceptable solution can be accomplished.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours faithfully

Link to post
Share on other sites

  • 2 weeks later...

Hi

 

I have received a Supposed CCA from capital one, which is clearly a mailer application and not in my view a CCA ..

 

There are no terms amount etc APR etc as they cannot set those till they receive the application form right.

 

I only received this form and a letter that they will not write off my debt on health grounds ,Capquest are the people holding caps debt.

Link to post
Share on other sites

  • 4 months later...

Hi

 

I need some help with this one as Credit Solutions Ltd. have started harassing me recently.

 

i sent a letter stating that the account was in dispute etc. (the same one sent to capquest above) they have written back saying that if i have received terms and conditions this is enough to satisfy my CCA request.

 

They also want to know if i paid the £1 fee and if i have received any documentation from capital one.

 

Just to clarify that i am and have been paying a reduced amount to capital one for a couple of years now and i am not trying to get out of anything rather avoid taking phone calls from DCA's while at work.

 

Shall i just send another letter similar to the one i have already sent?

 

Any help greatly appreciated. i can post the letter up if needed?

 

James

Link to post
Share on other sites

Send Credit Solutions the telephone harassment letter - there's a template on the forum for this, I think.

 

Also tell them that Capital One have failed to produce a copy of your agreement and therefore you are choosing to pay them a reduced amount but are not bound to do so.

 

I wouldn't worry too much about Credit Solutions. Just ignore them - I've been ignoring them for months.

 

DDxx

Link to post
Share on other sites

Great thanks for the reply.

 

I have managed to beat off a few DCA's (mercers by far the worst!) and was worried this lot would be just as bad!

 

It must cost them a fair few pennies to chase me like this, this lot are the third company to try it on but seem to have changed approach claiming that my CCA request has been satisfied even though IMHO the CCA is not valid.

 

 

James

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...