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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 
      • 81 replies
    • 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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Apex Credit Management


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Hi First post!!

 

My debts are as follows;

 

£13000 Loan (8500 remaining) loan with Lloyds

£2000 credit card lloyds

£2000 credit card Capital One

£4000 credit card Barclaycard

 

All taken out before April 1997

 

Have now got Apex Credit Management ringing and sending threatening letters, have read a few posts on here with people asking them to prove the orginal debt with a caa?? Is this my best course of action and how do i go about it?? they are acting on behalf of Barclaycard

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Your address here

 

 

 

Date

Their address here

 

 

Their reference here

 

 

 

To Whom It May Concern,

 

I am writing to you in response to a letter I received dated [insert date] referring to the above reference number.

 

I have no knowledge of this account and do not recollect owing money to either [insert original creditor/company name if one is specified] and/or [enter debt collection agency name]. If you wish to pursue me for this debt then I require you to provide adequate proof that I owe the money in question in line with the Office of Fair Trading Debt Collection Guidance (updated in December 2006). I do not feel I should be coerced in paying something I do not owe for obvious reasons and, therefore, it is in your interests to furnish me with any information you have on record which links me to the above account.

 

There are a number of documents which you can provide to me in order to prove your lawful entitlement to this debt such as a Notice of Assignment, a default letter, a consumer credit agreement OR a full statement of account showing how the balance has been made up and payments made.

If you cannot provide such details then I require this in writing without undue delay. Please note section 40 of the Administration of Justice Act 1970 applies:

 

"Section 40 of the Administration of Justice Act

 

“S40 Punishment for unlawful harassment of debtors.

 

  1. A person commits an offence if, with the object of coercing another person to pay money claimed from the other as a debt due under a contract he-
    • harasses the other with demands for payment which, in respect of their frequency, or the manner or occasion of making any such demand, or of any threat or publicity by which any demand is accompanied, are calculated to subject him or members of his family or household to alarm, distress or humiliation;
    • falsely represents, in relation to the money claimed, that criminal proceedings lie for failure to pay it;
    • falsely represents himself to be authorised in some official capacity to claim or enforce payment; or
    • utters a document falsely represented by him to have some official character, or purporting to have some official character which he know it has not."

 

 

I look forward to receiving your response.

 

 

Yours faithfully,

 

 

[insert your name here]

DO NOT SIGN YOUR NAME :-)
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Hi thanks for all the reply's

 

42-man It was nearly a year ago I paid Barclaycard - yes the card was issued before April 1997 although most of the spending on it was a later date

 

 

when you 'allegedly' ;) spent on it is irrelevant what matters is that its a very old agreement. as said above send a cca request and see what you get back

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Excellent thanks for all your help I'll keep you posted - do you think it's worth while trying this trick with all my lenders?

 

 

It is not a trick to ask them to prove that they have a legally enforceable debt. I would cca everyone if it were me, just to see at what level of repayment I need to be negotiating.

 

If you know it is/isnt enforceable you can then decide what to do/pay next

 

and just for the record I dont pay anyone that cannot prove it - 100% g'tee that a bank would not give me a penny they didnt legally have to, so I return the favour.

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Ok thanks hungrybear nice to get some honest advise, all companies I've ever asked for debt advice have always tried to sell me something!! So if the agreement is unenforceable the debt is written off? or does it mean they just cant take me to court?

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If they're that old, and especially LTSB, the chances the CCA requests will ever be honoured is slim.

 

LTSB will also try to fob you off by saying that statements pre-1999 (if you ask for them) can't be provided - this is a lie, as they're supposed to keep accurate records for at least 6 years (this is to do with money laundering regulations) after the closure of an account.

 

Has anyone else had a letter stating the same, as written admission of this may get LTSB into trouble for contravening money laundering laws?

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If they're that old, and especially LTSB, the chances the CCA requests will ever be honoured is slim.

 

LTSB will also try to fob you off by saying that statements pre-1999 (if you ask for them) can't be provided - this is a lie, as they're supposed to keep accurate records for at least 6 years (this is to do with money laundering regulations) after the closure of an account.

 

Has anyone else had a letter stating the same, as written admission of this may get LTSB into trouble for contravening money laundering laws?

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Ok thanks hungrybear nice to get some honest advise, all companies I've ever asked for debt advice have always tried to sell me something!! So if the agreement is unenforceable the debt is written off? or does it mean they just cant take me to court?

 

 

It means they cannot take you to court. They can ask you to pay and you can say no. You can also say I'll give you x% final settlement if you remove all traces of a default from my cra files.

 

In other words you are in the driving seat.

 

It is worth noting that cca request does not constitute any kind of 'notice of legal intent' or anything. All you are doing is saying do you have a copy of the agreement for me please.

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Ok thanks hungrybear your advise apprichiated - just had another company called Red chasing me after an amount I owe to o2 dated from about 3 years ago does a cca apply in this case?

 

 

No mobile contracts are not CCA. Still need to send them a prove it letter, that it's your account and the amount is right and they have the right to ask for it. So same basic principle as a CCA but without the CCA (if that makes sense:roll:).

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