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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  
  • 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
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From Aqua to Cabot


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Hi All

after finding CAG, I decided to obtain my CCAs from each of the 3 Credit Card Companies that were charging me all sorts even though i was making regular payments, minimum at least.

 

Here is the history of the actions, any advise on anything I have/they have done will be most welcome.

 

after several letters i managed to get 2 reconstituted CCAs from Aqua/Halifax one at one address and one at another address, I asked for the signed agreement was told Ii was not entitled to it.

 

after several letters exchanged i received a letter dated 19/4/10 saying the account had been closed.

i had a statement through showing I had paid £24

I then received another letter dated 1/6/2010 again saying the account is now closed.

No DN had been received.I

I then received a DN on 23/6/2010 dated 17/6/10 saying must pay before 8/7/2010.

had another letter dated 1/7/2010 again saying the account is now closed this was received on 6/7/2010

another statement showed up again saying received payment of £24 this was dated 16/7/2010

 

on 21/7/2010 a letter from Albion Collections showed up saying I owed £33 less than what was on the statement, I wrote back to Albion advising them the account was in dispute and they should said it back to Aqua - no response received.

on 3/8/2010 had another letter from Albion which increased the balance by £24, again I wrote back and asked that they send the account back - no response received.

0n 25/8/2010 another letter arrives from Albion saying I owed a balance of £xxx this had increased by another £25, I wrote again and again no response received

Also wrote to Aqua reminding them the account was still in default and that they cannot pass onto 3rd party whilst default remained.

 

Now a good 8 months have passed and had no letters from Aqua who, may I say refused to discus the account further as they where satisfied with their actions and that the account was not in dispute

 

now in April I see a letter from Cabot has arrived and they say i need to start paying them, no NoA received just this letter, i wrote to them Via email asking for evidence that I owe them and by the way were is my CCA

no response just another letter saying I need to get in touch to to arrange a payment plan to clear the account.

again I send another email reminding them of the fact t6hat i still hadn't received a response from the email requesting my CCA, again yesterday another letter arrived asking me to contact them to arrange payment, so again another email sent reminding them that they hadn't responded to my previous emails.

 

The email addressed used is the one they are responding to with regards to the Vanquis business.

 

I am just going to write to them for again asking for the CCA, I shall leave out the NoA issue until a later date or should I mention it now?

 

all the main letters/statements attached

 

 

ta for all and any help

aqua default 19-6-10.pdf

aqua account closed 7-6-10.pdf

aqua account closed 6-7-10.pdf

aqua account closed 19-4-10.pdf

aqua statement 18-5-10.pdf

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Why was your CCA request refused if you pay the Stat Fee of £1.00 they are bound to

supply it and if you don't get it in 12+2 days the account is in dispute.

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All I can suggest further is A Subject Access Request to the original creditor/s the statutory fee i £10.00 they have40 days to get it.

There is an excellent template in the CAG library.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi Brigadier

ta for responding, all I got was 2 different reconstituted CCAs which did not bear any signatures and didnt seem to relate to when the account was instigated.

I have done a DSAR did that on 28th April 2011 sent recorded, so will see what turns up, I asked for a copy of the original CCA that bears signature as well as a full transaction list.

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Unfortunately judges are allowing recons especially if the creditor produces statements showing payments on the account.

Please let us know when you get the documents and the guys will be ready to help I'm sure.

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The account should not be closed before the DN has been properly constructed and provided to you, as you

have then no time to remedy the default, this is right for a complaint to the OFT and perhaps a formal complaint to

the original creditor when or if they fail to respond properly to your complaint you can then put the matter to the Ombudsman.

Hope that helps!!

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Good Luck Lets keep us posted.

 

Brig

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi All

Had an Email from Cabot today, despite me giving the account reference number they still want confirmation of

name,age,sex,job detail, telephone numbers. so that they can verify who i am.

 

sent them a message back saying not a chance, and by the way I have sent Cabot a letter asking for the information....as well as the CCA

so will see what comes back from that.

 

 

cheers

LETS

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  • 2 weeks later...

HI

So far to date I have had no response to Cabot with regards to the alleged debt, I have today received details of the DSAR some bits missing like copies of the DN Termination letters etc, among the information are call details from Blair oliver and scott, they had actually contacted my work.

what i finally got was the credit agreement/application (any thoughts)

 

cheers Lets

aqu agre 1.pdf

aqu agre 2.pdf

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That is not the executed agreement. It is your application form and is missing some important details. As an application form there is nothing to say it was accepted. Once they get that form it needs to be accepted (executed). When executed you then get the executed agreement sent to you. When requesting a CCA they should be sending the executed one, not an application form. There are some cases where the application will suffice but that is not very often as it needs a lot more info on it (prescribed terms).

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  • 9 months later...

Hi mate, just been reading yours as I'm starting to ramp things up with Aqua for the better half. As Brig had said they didn't serve the DN on you correctly, as they closed the account in Apr 10 but sent a DN on 07 Jun 10 and a secondary closure letter 2 weeks later, not letting you have enough time to sort it out. As for the DSAR, I got mine back with information missing like yourself no DN, termination letter etc (that was at the start of this month), they didn't even send a copy of the credit agreement which they should have done aswell. My question is did you put the account in dispute or did you send in template letter 2 for non compliance with a DSAR? I'm putting the account in dispute anyway for the unfair charges, but I was curious as to whether you did the LBA for the DSAR. Ta PM

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Hi there

after reading through the threads, i realised i hadnt received a copy of my signed credit agreemenet, i applied for a copy anddidnt get it.

after numerous letters I wrote to Aqua advising them that i was going to put the account into dispute. I latter followed this up with a DSAR which also arrived incomplete and minus the credit agreement.

 

after lots of exchanges of letters they then passed the account to Cabot.

 

i Have advised them of the situation and havent heard anything for months...heres hoping ...but I am waiting for the CC docs to arrive for me to contest.

 

cheers

lets

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Once again there is no obligation to supply the agreement

with a SAR it's covered by CCA 1974.

CCA now to Cabot with £1 postal order.

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!

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  • 1 year later...

Here is an update,

as i had not heard anything from Cabot, i thought that was that, i was wrong on that, I had a letter from a firm called F.I.R.E so i wrote to them with a prove it letter, it turns out that F.I.R.E is also Cabot, as today i have received a letter from cabot with my application form enclosed but still no credit agreement.

I will be emailing them again asking where the agreement is.....

 

can charges along with interest be claimed back on credit cards

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Cabot will claim the app form satisfies the CCA request, but unless it has ALL the Ts & Cs from the start to the closure of the account and any amendments to the Ts & Cs and a current statement of the account, it must also have your name & address at the inception of the account and the Creditors name and address at inception.

#

If those elements are in place the it would constitute a 'reconstituted' agreement that satisfies the CCA request, if Cabot were to produce statements showing usage of the account a court could decide that the debt is viable and enforceable.

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:

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Hi Brigadier

Having Read through the information received, I have the Application form as per post 14, one set of T&Cs which bears no dates just my address for when the account was instigated and another set of T&Cs again not dated but has my address when I moved into it from 06-09, but nothing for my current address, the account was closed in April 2010, June 2010 and July 2010, and the default notice was dated 17th June and received on 23rd June 2010.

now looking through some other letters i have received, there is also a letter from Albion Collection demanding full payment of the account, this letter was dated 15th May 2010, being dated before the DN notice was received

 

i am just trying to work out the best way to go with this one, i want to write to Cabot, but i dont want to give them any ideas/info on the following.

1 the account was closed 3 times

2 the DN being received after account closed

3 Account passed to collection Dpt before closed and DN received

 

for some reason i have lost all info that came with the DSAR so i will be requesting another set.

 

any advise please

 

many thanks

Lets

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