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 
        • 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

The morals & ethics of being in debt


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4755 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

If you only focus on places like CAG which tend to bring out the worst cases then you have a blinkered view. I would imagine DCAs combined process tens of millions of non payments each year.

 

Maybe you have a rose tinted view of DCAs. Having being and seeing friends on the receiving end of their tactics it has not changed my view point that DCAs are rotten

Link to post
Share on other sites

  • Replies 173
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

AS to the Ghosts ''strange'' I fail to understand the attitude, having been in a career of law/law enfocement

I have think become a more reasonable/ reasoning person, attitude to individuals and consideration of their situation

is paramount as to the comments re the courts I have to agree there is no evidence whatsoever to support the statement made.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

hmm, just today I was in a long queue at the Post Office when an on duty Police Officer in uniform, walked straight to the front of the queue with his parcels, got served and walked off!! Nothing to do with this thread, but a sign that there are good and bad in all walks of life.

 

There is no way ANYONE can condone carrying out a business based on threats. That, to me, is the beginning, middle and end of the discussion. If someone were to come up to you in the streets and make verbal threats of what will happen to you if you do not hand over all the money you have, would this not be a 'mugging' and as such a criminal offence? so, why is it not to be treated as an offence if done in writing?

Link to post
Share on other sites

AS to the Ghosts ''strange'' I fail to understand the attitude, having been in a career of law/law enfocement

I have think become a more reasonable/ reasoning person, attitude to individuals and consideration of their situation

is paramount as to the comments re the courts I have to agree there is no evidence whatsoever to support the statement made.

 

To be honest I think I have a more balanced view than most view on here - unfortunatley in my working life I came across

 

a) people more than happy to abuse the advice given on CAG and the like for their own gains

b) peopel claiming they had been harassed to death and al lsorts but when you look at the evidence they were hyping things up beyond belief

 

What you may not appreciate is that those types of people make things harder for any genuine debtors who are in trouble because it builds up a layer of cynicism whenever you hear someone say they cannot pay or they are being harassed.

 

With regards to the court thing - I imagine (unofficially) it is human nature for the judge to feel annoyed with chancers but at the end of the day their hands are tied by the law.

 

 

 

Harassed senior - the whole industry of DCA relies on threats, if there is no threat there is no income - so will be here to stay.

 

It is not a criminal offence because there is some protection in law offered to creditors to obtain their money back.

Link to post
Share on other sites

I would believe the scenario you paint is more than a trifle jaundiced as I have not found many who

match the profile you put forward even after 30+ years in law in it's many guises.

Edited by BRIGADIER2JCS

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

One further thought occurs it seems to me that the Ghost has the delusion that DCA's are some form of law enforcement agency,

they are not and never can be being in debt (civil) is no longer a crime and Newgate has been closed down.

DCA's have no legal powers other than those available to every citizen of the UK, and I for one hope it stays that way. (END RANT):madgrin:

Edited by BRIGADIER2JCS

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

'' One tries ones best'' as in flogging a:deadhorse:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

I must say Casper I have had my nasty suspicious doubt for a while now, and await reactions if any:madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Good constertnoon aftertable tis ver quiet down eer tin lor enfokment jus now i'm a tinkin!!!!:madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

The Ghost is on line now I was hoping he might defend his position Casper, perhaps i should change my username to SPOOK some experience there.:madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Hell of a lot of guests (ghosts) about tonight:madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

''One tries ones best to be of servive to the righteous '':madgrin: self portrait:lol:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

i must say im disappointed i was looking forward to a response to my question perhaps i asked to nicely the first time so il try again

 

THE GHOST PLEASE RESPOND TO MY PREVIOUS REQUEST AS A MATTER OF URGENCY WITHIN THE NEXT 7 MINUETS OR I MAY HAVE TO SEND SOME ONE ROUND TO COLLECT YOUR ANSWER IN PERSON.

 

FAILURE TO CONTACT THIS FORUM MAY ALSO ADD TO FURTHER BULLYING.

 

IT IS IN YOUR INTEREST TO RESOLVE THIS MATTER NOW.

 

PLEASE CONTACT CAG WITH YOUR EXPLANATION AS TO WHY YOU CAN NOT /WILL NOT ANSWER THIS QUESTION AND ONE OF OUR MEMBERS WILL BE GLAD TO HELP YOU REACH AN AGREED ANSWER AND DEAL WITH IT IN A SYMPATHETIC WAY.

Link to post
Share on other sites

Looking again at the 'title' of this thread, what exactly are the morals and ethics of being in debt?

 

Are there, for instance, 'debts' which are moral and ethical and those that are not? and what is the difference?

 

If we work in paid employment (lucky minority these days) are our employers not in debt to us, the workers until such time as we receive our payment? How should this be perceived?

 

We all have to live somewhere, so, if we rent, we usually have to pay in advance, so, are our landlords not indebted to us, as they have our money but we have yet to receive the benefit of the accomodation, How again should this be perceived?

 

Hopefully you get where I am coming from! Even 'ghosts' either rent, or have a Mortgage (usually a very large debt), or as I suspect they still live off Mum and Dad, to scared to be indebted like most mortals of this world!

 

and, finally, (and I give no apologies) are we not indebted all of our lives, for the gift of life?

Link to post
Share on other sites

Think I'll change my name to GHOST BUSTER HOW ABOUT A NEW BUSINESS CASPER AND HS:amen:: to the GHOST:madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

To be honest I think I have a more balanced view than most view on here - unfortunatley in my working life I came across

 

a) people more than happy to abuse the advice given on CAG and the like for their own gains

b) peopel claiming they had been harassed to death and al lsorts but when you look at the evidence they were hyping things up beyond belief

 

What you may not appreciate is that those types of people make things harder for any genuine debtors who are in trouble because it builds up a layer of cynicism whenever you hear someone say they cannot pay or they are being harassed.

 

Harassed senior - the whole industry of DCA relies on threats, if there is no threat there is no income - so will be here to stay.

 

.

 

So your working life in law enforcement meant you dealt with people who used the CAG, what they were trying to get out of paying fines then, or do you term working for a DCA Law enforcement, in which case you are serioulsy delusional

Link to post
Share on other sites

Probably a clamper/ parking attendant IMHO:jaw::jaw::lock1:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4755 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

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...