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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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    • 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.

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      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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NDR unsigned Credit agreement help


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Ok, this is what I am thinking of sending, does it make sence? dont want to look like an idiot now I have got this far LOL

 

 

Legal notice under the Data Protection Act 1980

 

 

To; The Data controller/compliance Manager Shop Direct Finance company Ltd

 

Your Ref: XXXXXX

Your Letter Ref: XXXXXX

 

Thank you for your letter dated 2nd March 2010 in reference to the above the contents of which are noted.

 

Please be advised that this is a formal notice issued under Section 10 of the Data Protection Act 1980.

 

I demand that you cease processing of my Data by any means whether written or electronically, with third party individuals and

organisations. In addition to processing, this also means passing, amending, sharing ,and management in any form of my Data in whatsoever filing, both manually or electronically.

 

In compliance with the Information Commissioners guidance, I give you 14 days to comply with this request.

 

The purpose of this request is that I am of the understanding that your continual processing/controlling of my data will cause distress harm and damage.

 

Specifically because;

 

(i) My credit worthiness is being or has been damaged by your actions as a result of your entries to my credit files, which relate to unfair charges currently in dispute. Whilst the dispute remains, you are not entitled to register any information on this account with any credit reference agency.

 

To register information with a credit reference agency, you must have written consent from the customer to collate and share such information. This consent is given in the form of a signed credit agreement, & to date you have been unable to provide me with a TRUE COPY of this agreement as per my requests.

 

The requirement for consent to share data is a clear requirement of the Data Protection Act 1998. Any such attempts to share my data without my consent will be met with a complaint to the Information Commissioners Office

 

(ii)That recorded defaults on my credit files by yourselves are in dispute.

 

(iii)That I fully expect to show that adverse data was wrongly filed which would mean that earlier processing was unfair and unjust.

 

(iiii)That matters in relation to adverse data you have entered onto my credit files are currently in litigation.

 

(iiii) That the adverse data you continue to process, manage and pass on to third parties impedes my ability to apply for credit, mortgages or other financial services.

 

(iiiii)That as a data controller/compliance officer, you have a responsibility under the Data protection act to observe all principles set out therein, within the act.

 

I expect an acknowledgement of your intentions to comply, and if you do not agree, your reasons for being unable or unwilling to do so.

 

I will give you 14 days to forward this to me in writing.

 

Under the Data Protection Act, a County Court has the powers to order compliance of any breaches it sees fit, together with compensation, at the discretion of the court.

 

Should you fail to comply, or give just and reasonable reasons as to why you will not comply, I will consider making an application to my local Court on notice to force compliance, together with costs and compensation.

 

I look forward to your reply.

 

Yours faithfully

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No that's seen as 'unfair enrichment' by a court. You may however reclaim any unfair charges if they outweigh the remaining balance which is now due. But as it's still with the original creditor they'll only offset it against the debt.

 

The debt still exists it's just that it's legally unenforceable.

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Well these jokers really dont know what the other hand is doing!! I received a default notice this morning along with a demand for just over £1900 to be paid Immediately!!

 

Are they reeelllyyyyy that stupid??!!!

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  • 2 weeks later...

Hi all, I am taking notes and doing this myself with NDR and have gotten to sending the second letter as, surprise surprise, they could not produce a signed CCA.

 

As far as the telephone calls go you have to send them a letter and put it in writing that you require them to remove all your telephone numbers from all their records in accordance with the Data Protection Act with immediate effect. That you will only deal with them by email or letter. It has to be your instruction in writing but it worked for me with all my creditors, as I was very nearly suicidal being bullied by hundreds of DCA phone calls for months and months on end after my husband left me with a mountain of debts.

 

I shall keep you up to date with how I get on with NDR. Is there any way that whatever they have posted to credit reference agencies about accounts they do not have a CCA for can be removed? Surely the credit reference agencies are not allowed to leave unlawful information on their systems?

 

Thank you so much for helping, it is such a relief. Cheers

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(sorry to hijack)

 

They are not Default Notices they are Notices of Default, a subtle difference but until they provide you with a 'Default Notice' they are not supposed to register it on your credit file.

 

I thought they were the same thing! What is the difference between the two?

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OK I have now received 2 letters. One from NDR dated 13.3.10 but not received until 25.3.10 with a summary, a statement and a Letter of Default Served under the Consumer Credit Act 1974. The other from Additions (this is the account NDR write to me about) of a Default Notice Served under section 87(1) of the Consumer Act 1974, same date. When I originally lost my job back in Jan last year, after my husband left, the account was approx £370. And also I wrote several times to both NDR and Additions with an offer of reduced payment due to severe financial difficulties, they ignored them and just kept adding charges and fees even though I sent a reduced payment every month until this month. The account is now at £1088.11. Help. Is this what is meant by a notice of default or a default notice and what do I do about it???? Your help pleeeeeeeeeeease. xxxx

Edited by annie2355
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would you believe their cheek!! TODAY i received a notice of missed payment, along with a CHARGE of £12 to the account ... the same account they wrote to me about on 2nd March telling me they will not be pursuing me for the money!!

 

I telephoned them, got jumped up numpty on the phone, telling me if i have a letter telling me they wont be chasing the debt then to ignore everything they are sending, as I wont have anything to worry about!! What dont they get about the whole 'Harassment' thing .. ARGH!!!

 

They havent respnded to my Legal notice under the Data Protection Act 1980 which i sent to them on 5th March either!!

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would you believe their cheek!! TODAY i received a notice of missed payment, along with a CHARGE of £12 to the account ... the same account they wrote to me about on 2nd March telling me they will not be pursuing me for the money!!

 

I telephoned them, got jumped up numpty on the phone, telling me if i have a letter telling me they wont be chasing the debt then to ignore everything they are sending, as I wont have anything to worry about!! What dont they get about the whole 'Harassment' thing .. ARGH!!!

 

They havent respnded to my Legal notice under the Data Protection Act 1980 which i sent to them on 5th March either!!

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Hi Cerberusalert, thank you for that. If the DN is not in the proper format and they pass on a notification to CRAs, will the CRAs refuse to add the info as it is not in the correct format? Is there anything I can or need to do about it? Many thanks

Edited by annie2355
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A defective DN means that when they terminate the a/c they can only claim for the arrears not the full amount, it's just another weapon in your arsenal because as yet they haven't produced an enforceable CCA anyway. I'm afraid it won't stop them marking a default on your credit file tho'.

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Oh OK. So I will just sit tight and wait for them to make the next move. Thank you very much for all your help. It is good to know about this site. I have passed on details of this website to friends and family. :)

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  • 2 weeks later...

Hi Katscratchmeouw, No I have not been passed to a DCA yet, but I have received a letter saying they are not going to pursue the debt but it will remain on file. And then, sure enough after that I received another Default Notice. So I am just doing as advised, and sitting tight. My credit rating is shot to hell anyway, so heaping more default notices on it cant make it any worse than it already is. Shame on them really, I am in such a financial bind at the moment, Next catalogue aren't doing this to me, so I know that it is their choice, NDR that is, to financially bully and intimidate the people without the means to fight back like me, until I found this website. It has saved my sanity. Hooray for CAG. Woo Woo Woo!

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