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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.
      • 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
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Hi all,

Sorry to bother you guys Again. My mother received this letter this morning from a company called lowell portfolio.

http://i871.photobucket.com/albums/ab276/kiltedman/lowell.jpg

I was wondering if some of you guys could have a quick look and let me know what you thing. She says she knows nothing about this and i know that this is the first time that lowell have been intouch. should i just CCA them and see what comes?

 

Hope you guys can help.

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kiltedman, if it helps i had Lowells pursue me for a few months, i followed the advice off the great great people on here.

 

Lowells suddenly could not obtain the information required and said that no further action would take place unless the OC could provide them with the information.

 

I am now going to tackle getting my defaults removed by lowells.

 

Follow the great advice on here and achieve what i thought could not or would not be possible.

 

good luck

PPI SUCCESS

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2011 - Loans.co.uk (GE Finance) £1504.77

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Guest Cartaphilus

Truly, I am doing a double take reading that silly worded letter! The gall of these people! What next from DCAs, bidding on your own debt on Ebay?:rolleyes:

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That is fantastic, the kids have been playing with their crayons again!

 

Buy back your debt?? I would frame that letter hang it in the bog to give you a laugh every time you read it. Truly amazing stupidity it's sheer brilliance....and so open to abuse:D

 

Email them and bid a million quid for it, see if they accept...what fools...hilarious fools mind.!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I wouldn't worry about it - I had the same letter from them a couple of days ago relating to a debt of 10 years ago....they are just desperate fools :rolleyes:

 

Hi all,

Sorry to bother you guys Again. My mother received this letter this morning from a company called lowell portfolio.

http://i871.photobucket.com/albums/ab276/kiltedman/lowell.jpg

I was wondering if some of you guys could have a quick look and let me know what you thing. She says she knows nothing about this and i know that this is the first time that lowell have been intouch. should i just CCA them and see what comes?

 

Hope you guys can help.

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Initially I though the best way to deal with this letter was to file it under ignore.

 

But assuming your mother knows this debt exists, even from way back in time, then it may be worth a bit more effort to tie the Lowell Losers into tight little knots.

 

First of all they must be the owners of the account to put it up for sale. I am certain (lol) they have provided all the right paperwork to proove that they do. If not they should be made to do so - and while they are doing that, under a proper cca request - they should be asked for their complaints procedure.

 

Failing to provide the documents required under the CCA would be reason enough to complain. Making such a complaint they would have eight weeks to respond. Failing to do so, or even failing to provide details of their complaints procedure, would allow you - on your mother's behalf - to take the matter straight to the Financial Ombudsman.

 

I would also alert the OFT to this tactic and ask the fence sitters to consider whether this letter is fair. Copy your MP into that and ak him to ask the same question. The OFT may try to fob you off but they'll find it more difficult to do the same to the politician.

 

Have fun!

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I would like to know who else they are offering their 'bids' too, an auction surely must be 'open' to all comers, so are they 'advertising' their list of 'debtors' somewhere. I wonder how the ICO feels about this approach. Does the alleged debt go to the highest bidder, or is this just a one person auction - have they thought this through, seems highly desperate to me.

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This buy back your debt scheme must only be for those debts that are nearly statute barred. If Lowell could pursue the debts in the normal way through the courts, they would have done so.

 

Also the sentence about considering appointing debt collectors is puzzling. Perhaps Lowells are not debt collectors and are there just to help you !!

 

Could this just to be ruse to get people to admit the debt, by making a payment. If people were stupid enough to do this, what is to stop Lowell not honouring the letter and going for the full amount?

We could do with some help from you.

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They should put it ebay. They might have more luck. Maybe some kindly Nigerian Bank Official willl offer them $ 2000000.00 Two Million Dollars for it

 

Is it really any wonder they are called the LEEDS LOSERS

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Initially I though the best way to deal with this letter was to file it under ignore.

 

But assuming your mother knows this debt exists, even from way back in time, then it may be worth a bit more effort to tie the Lowell Losers into tight little knots.

 

First of all they must be the owners of the account to put it up for sale. I am certain (lol) they have provided all the right paperwork to proove that they do. If not they should be made to do so - and while they are doing that, under a proper cca request - they should be asked for their complaints procedure.

 

Failing to provide the documents required under the CCA would be reason enough to complain. Making such a complaint they would have eight weeks to respond. Failing to do so, or even failing to provide details of their complaints procedure, would allow you - on your mother's behalf - to take the matter straight to the Financial Ombudsman.

 

I would also alert the OFT to this tactic and ask the fence sitters to consider whether this letter is fair. Copy your MP into that and ak him to ask the same question. The OFT may try to fob you off but they'll find it more difficult to do the same to the politician.

 

Have fun!

no my mother says she knows nothing about this, and this is the first letter she has had off them, so could just ignore and see if they send any other letters then CCA them.

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Personally I wouldnt waste a quid on this shower. If your mother does not know anything about this alleged debt then the Leeds Losers MUST prove it actually exists and that she owes it. The onus of proof is with them. Unless and Until they do I would ignore them. They will get bored eventually and sell it to their illegitimate Scottish Cousins from Kilmarnock.

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  • 6 months later...

Quick update Folks, I filed the first letter under ignore and forgot about it, and now 6 months later my mum received a letter from RED DEBT COLLECTION SERVICES LTD. Saying and i quote

 

" Clear your account for just £10 per month, Red debt collection services understands that every person's financial situation is different and we are committed to helping you to repay your outstanding balance in a way that is affordable to you. Unfortunately, debts do not go away; no matter how much people want them to. However, in order to make it easier for you to settle your debt, we would like to offer you the options set out below: 1) pay £10 per month by direct debit (on the date of your choice by completing the form overleaf) until you have repaid the full outstanding amount. Or 2) clear you balance by making us an offer to pay a lump sum in full and final settlement of your debt.

 

If we do not hear from you within 15 days(from date of the letter), we will pass you account to a specialist debt collection company. when this happens, an agent from the debt collection company will contact you to arrange a mutually convenient time to visit you and discuss your repayment options.

 

We want to agree a repayment arrangement with you without having to take any further action so please call us as soon as possible on 0844 844 4716

 

Our advisors are willing to work with you to agree a payment arrangement that suits you financial situation. Our advisors are waiting to take your call.

 

Signed Kevin Allmark (collections manager)"

 

So after getting this i was planning on sending a CCA request and waiting to see what happens.

Any other course of action that you guys recommend??

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I was making token payments to a creditor and I got on of those this debt will never go away letters (not sure if it had something to do withh Lowell). So I stoppd my token payments, and wrote back to them saying there is little point in me making any payments to you if the debt is never going away!

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had the same letter recently told them, put up or shut up, basically a letter demanding all the info and having spoken to someone regarding this a statement of charges to deal with the letter should they not provide me with the information. I told them it would be £50 per hour to deal with it, this now its put in writing is what i can charge. last DCA i did it to wrote back and said it was sent back and canceled it of the books, a bit worried i could charge them i think

had my SD Set aside thanks to CAG

won with lowells thanks to CAG

dont ask me though these are the people to help:D

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So after getting this i was planning on sending a CCA request and waiting to see what happens.

Any other course of action that you guys recommend??

 

I would suggest not doing that. The reason is that in replying to this letter you are acknowledging that they have given you notice of the debt being assigned to them. If you do not do this then this is a defence if it should ever come to court.

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