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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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    • 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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Turnball Rutherford Solicitors have just delivered a Stat Demand for Statute Barred Debt** DISCONTINUED**


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Tel no for Northampton 0845 601 5935You need original claim form N1 and the judgement N24

 

I don't have either all i have is the case number for the CCJ at Northampton Court will this be enough sorry to be a pain

 

Thats why you are contacting them, for those forms

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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When you contact Barclaycard you need ask who exactly the account was sold to, should be HFO Capital not HFO Services, you need to ask the exact date of the sale aswell.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Sounds par for the course for the Wimbledon wonderboys... trainee solicitor... methinks that the SRA might be interested in the firm which trains them!

 

The SRA are getting tough now (from what I have heard) and are insisting solcitors do not indulge in 'speculative debt chasing' as their main activity. TR, as we know indulge in this odious practice.

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Sounds par for the course for the Wimbledon wonderboys... trainee solicitor... methinks that the SRA might be interested in the firm which trains them!

 

The SRA are getting tough now (from what I have heard) and are insisting solcitors do not indulge in 'speculative debt chasing' as their main activity. TR, as we know indulge in this odious practice.

 

According to the Stat demand HFO Capital Limited bought the debt on the 31st January 2008, off of HFO Cayman who bought the original debt on 14th June 2007 from Morgan Stanley. I stopped paying Morgan stanley in either December 2005 or Jan 2006 am trying to dig out some old paper work on this.

 

The Stat Demand is from HFO Capital Limited

 

Thanks again everyone

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OK, so you have moved a few times in the last few years.

 

You mention that the threat letters started arriving from HFO a few months ago, at your current address I assume.

 

If HFO have issued the claim form to a previous address while knowing full well your actual current address, then you will have an instant basis for a set aside of the SD, and of the judgment itself.

 

You will also have cause for a very serious complaint to the OFT.

 

So the key to this is getting sight of the claim form. The court should tell you on Monday which address the claim was issued to, and they should send you a copy (although you may have to pay a small fee).

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According to the Stat demand HFO Capital Limited bought the debt on the 31st January 2008, off of HFO Cayman who bought the original debt on 14th June 2007 from Morgan Stanley. I stopped paying Morgan stanley in either December 2005 or Jan 2006 am trying to dig out some old paper work on this.

 

The Stat Demand is from HFO Capital Limited

 

Thanks again everyone

 

Well HFO Capital Ireland should not have bought the debt off anybody in Jan 2008 as they did not hold a Consumer Credit Licence. To do so would be a criminal offence. I suggest you may wish to consider reporting that to the Office of Fair Trading.

 

And if they made the claimed via a previous address knowing you no longer lived there that is also a serious matter.

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I have not recieved one single letter from HFO Services at my address all I have had is threatening telephone calls to place of work. And a Stat Demand delivered to my door, no letters have ever come to my current address.

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I have not recieved one single letter from HFO Services at my address all I have had is threatening telephone calls to place of work. And a Stat Demand delivered to my door, no letters have ever come to my current address.

 

You said, you had received letters in your first post?

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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I have heard absolutely nothing until about 5 months ago a company called HFO Services decided to start ringing me at work??? I did not take any calls from them and did not speak to them. A few weeks later letters started arriving and they threatened to take me to court CCJ.

 

We can't help properly if the facts as stated are not facts. You couldn't have been clearer – they wrote threatening you with a CCJ. That is a very specific thing to state.

 

All the same, if the got the CCJ at an old address then managed to find you after the judgment, they are taking the pee and would KNOW the claim was issued to the wrong address.

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Well HFO Capital Ireland should not have bought the debt off anybody in Jan 2008 as they did not hold a Consumer Credit Licence. To do so would be a criminal offence. I suggest you may wish to consider reporting that to the Office of Fair Trading.

 

Are you absolutely sure HFO CAPITAL purchased this debt at a point when they did not hold a licence? If you are it is extremely important to complain to the OFT, please do so without delay.

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According to the Stat demand HFO Capital Limited bought the debt on the 31st January 2008, off of HFO Cayman who bought the original debt on 14th June 2007 from Morgan Stanley. I stopped paying Morgan stanley in either December 2005 or Jan 2006 am trying to dig out some old paper work on this.

 

The Stat Demand is from HFO Capital Limited

 

Thanks again everyone

 

You said HFO Services bought it in your original post (since edited). Can you confirm the SD says HFO Capital?

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I am typing from the SD now word for word, The Company mentioned is HFO Capital Ltd, On the second page of the SD in particulars of debt it states HFO Capital Ltd having bought the debt on 31st January 2008.

 

As for letters I have never recieved letters to my home address from HFO just to my work address although technically it is not my work address as I am a contractor and they sent the threatening letters to my client (Whom I contract for) and also rang them for a continuous period of about 5 weeks solid even though they were told I am not an employee.

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There is absolutely no way they could have sent it to my client (contract work address) as the company threatened them with liable to stop ringing for an employee they do not have. To be honest apart from numerous "Does this guy work for you" letters no other post was ever recieved at place of work

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So they are claiming contractual interest of 12% AFTER judgment? Absolutely not on. You MUST get all this nonsense to the OFT.

 

They also state they informed you in writing of the assignment. Again, if they have written to an old address then sent the SD to another they are skating on very thin ice.

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