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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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debt advice from Fire financial investigations / cabot


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Hi there, I have another debt question I need your help with please.

 

We had an easyjet credit card with citibank back in 2007/08 what a load of rubbish it was too

( got points for spending to use against the flights then got charged loads of money to use the credit card booking them!) , what a con,

 

other half fell out of work and the debt on the card grew, he ignored it for ages

and now recently the debt went over to Fire from Cabot.

 

They sent us a letter stating make us a reasonable offer the debt they say is £3592.11.

 

As we are not in a strong position to pay a lump sum at present we replied we could only pay £500 as final payment as they needed to money paid within a couple of weeks.

 

They replied saying they would accept £2100 if we paid by end of June.

 

We emailed back twice asking if they could reduce it further as there is no way we could get hold of this amount of money as we are having financial difficulties and thinking of going bancrupt but they failed to reply.

 

We did not disclose our telephone number and they are sending these letters to our old address. we could possibly afford to pay around £1000 in a lump sum and pay with a credit card but that would be our limit to the max.

 

This is showing up on his credit rating as a default along with one other defaulted account which we are trying to clear too,

we want to get his rating back from poor by trying to clear these debts . Please advise us what we should do next?

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Sorry to burst your bubble, but it will take at least 6 years to get your credit rating back to 'excellent'. Once you have defaults on your files they stay there for 6 years, whether you pay up, settle up whatever, and even if they are so marked, they would count against you until they dissapear. Even if you make it a condition of your F & F offer of £1000 that the default is removed, I doubt very much if they would agree.

 

You really do not need to put yourself in more debt with another credit card by trying to make an F & F.

 

I would suggest sending a CCA request for this current card, and, as said above, it may prove that they do not have an enforceable agreement.

 

http://www.consumeractiongroup.co.uk...request-letter.

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yep as advised..

 

any one offering a discount is trying to fleece you on a debt you do not have to pay.

 

it'll either be all mostly unlawfull charges and/or PPI that you could reclaim

or

there are issues with the paperwork

 

i would think the former in this case.

 

sta off the phone

do not ever speak to DCA's on the phone ever!

 

you dont owe this

so best bet is to ignore them now

 

they'll go nowhere near court & they know it.

 

as for the 'defaults'

 

they will fall off 6yrs from YOUR last financial transaction on whatever cards.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Just a simple point but a very pertinent one please don't use another

card to pay the debt, this becomes a very vicious circle,even the OFT warns against it.

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 all, printed out the CCA letter ready to send but not sure what address to send it to as it needs to be send recorded delivery and the current debt is with FIre Investigation and Recoveries who only give a P O Box any ideas what address I should use please?

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RD's to Box numbers are usually signed for in bulk.

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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guess what ,sent the letter recorded delivery yesterday and today Cabot (not fire) have replied to my email they have ignored since the 14th June, saying they have spoke to the underwriters and are willing to take a f & f payment of £1500 so its gone down another £600 from the last f & f amount given which they said have to be paid by 3oth June. Should I still wait now for the response from the letter and ignore them for several days like they did to me?

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Waite these idiots are always behind in reponse and never check what post has reached them before pressing the button

to print more C**p.

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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if they are offering a discount something is wrong

 

they cannot go to court with it

 

ignore them

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

Hi all,

 

I have now recieved a letter from Cabot Financial, infact this is the 2nd the first was just to acknowledge my letter and request for information and return the £1 postal order. Buth this is how the 2nd letter goes:

 

YOUR REQUEST FOR INFORMATION UNDER THE CONSUMER CREDIT ACT 1974

 

We write further to your request for information under sections 77 and/or78 of the Consumer Credit Act 1974.

 

Although Cabot has requested the information, the original lender is experiencing a delay in retrieving the information form its archives. Although Cabot has not been able to provide you with the information within the prescribed period, we would still advise that your debt remains legally due.

 

We are still able to report to the Credit Reference Bureaux regarding the status of your debt and we would recommend you continue your repayment plan with us or alternatively you contact us to make payments towards your account if you do not have a repayment plan aranged.

 

Thank you for your co-operation and patience in this matter.

 

 

What do I do now folks ????????

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As to the suggesting use of a credit card to clear

this debt OFT Guidance states:

Section 2.6 (b)

It is unfair pressuring debtors to sell property to raise funds,

To raise funds by further borrowing, or to extend their borrowing, if they

have suggested that, were you thinking on those lines?

 

Might be worth mentioning: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:

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no they have not suggested he makes a payment via a credit card , It was my idea just to get this paid off once and for all as we want to get a mortgage in OH name soon, but as the default stays on the account until the end of the 6 years whether paid or not I doubt he will be able to get one.

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I can see that it would clear the debt, but it may not

get the default removed as they should stay on credit

reports for 6 years.

 

Also using all you available balance on the credit

card could lead you into problems should

you have difficulties in the future, ( OH heck I sound like a debt councellor which I'm not):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:

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