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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. 
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    • 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.
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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.  

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


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NOT IN ALRESFORD?? I LIVE 2 Miles from Alresford Essex

sent a foreign truck driver on his way looking to deliver

to Alresford Hants:!::jaw:

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I am still very puzzled about the mention of the CCJ.

 

If they have already obtained judgment by default.. ie you werent aware of the claim and did nothing.. then all they have to do is enforce the judgment.

 

Or, are you saying that they have issued a Claim form against you.. in addition to serving the Stat Demand ?

 

Or are you saying they have written to you advising that they have already obtained a Judgment against you. When in fact they havent ?

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I've seen cases from Alresford Hants allocated to Colchester CC

on a fairly regular basis an tother way round.

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I am still very puzzled about the mention of the CCJ.

 

If they have already obtained judgment by default.. ie you werent aware of the claim and did nothing.. then all they have to do is enforce the judgment.

 

Or, are you saying that they have issued a Claim form against you.. in addition to serving the Stat Demand ?

 

Or are you saying they have written to you advising that they have already obtained a Judgment against you. When in fact they havent ?

 

Yes they have a judgement against me but i could not defend it as I knew nothing about it until i got a letter from Northampton court stating a Judgement had been made against me.

 

Either way the judgement has been made on a debt over 6 years old so i'm unsure as to firstly how the judgement was granted and secondly how a juddgment could be made against me with no prior warning letters from the court ever being sent to me? I'm pretty sure the letter was from the court but it may have been from HFO it was so badly photocopied i filed it in the bin as from what I could see at the time the debt is and still is statute barred.

 

Sorry this one is not easy

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Righto, so you have received a Judgment order from the court.

 

Then why are these cretins NOT enforcing the judgment.. It is bizarre they have issued a Stat Demand and TBH, I am not sure they CAN do both on the same debt.

 

I would say that is a very good reason to have the set aside in that they have already obtained a judgment, which had you known about, you would have defended on the same basis that the debt was statute barred.

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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OMG I am so confused now I thought that the Statute Barred came once CCJ had been awarded as a normality and next stage as I have no intention in paying off the Statute Barred debt the CCJ was awarded too. Are you saying that their is no reason for them too go the Statute Barred route if they already have a CCJ against me.

 

I'm concious of time and don't want these HFO cretins to use a loophole in law to win more than double the original debt which is statute barred anyway???

 

Sorry but am getting really worried now

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OMG I am so confused now I thought that the Statute Barred came once CCJ had been awarded as a normality and next stage as I have no intention in paying off the Statute Barred debt the CCJ was awarded too. Are you saying that their is no reason for them too go the Statute Barred route if they already have a CCJ against me.

 

I'm concious of time and don't want these HFO cretins to use a loophole in law to win more than double the original debt which is statute barred anyway???

 

Sorry but am getting really worried now

 

This is what we are trying to establish.

 

You have advised that you have been notified by the court that a CCJ HAS been awarded against you.

 

Then you advise a Stat Demand has been poked through your door.

 

Why have they done both? If they do have the Judgment in default then all they needed to do was enforce the judgment.. eg ask the court to MAKE you pay

 

IF the debt is statute barred, then that would have been a total defence against the CCJ.

 

Please let us see the information from the court.. and then we will be able to advise further on that.

 

Plus, if you have a CCJ against you, then you will need to get that set aside as well ..

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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It will take a week or so for the court to get the info to you, can you ask how much they claimed and how much they were awarded on the judgement.

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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Hi the Limitations Act: A debt becomes time barred

if in 6 clear years no payment or acknowledgement

in writing has been made, the debt still exists but

cannot be enforced in court.

The OFT Guidance states tha '' it is unfair to continue to press for

payment IF the debtor has stated that they will not be paying

(a statute barred debt).

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

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The judgement would have been a default judgement as no defence was submitted. The court would not check the SB status, this is something that the defendant has to declare. If it was SB prior to the claim being issued, you have a defence but need to get to the bottom of this claim. What exactly did the letter from the court say? We need to know if the claim was only for part of the debt, which would explain the SD as they are trying to get the rest

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This is what we are trying to establish.

 

You have advised that you have been notified by the court that a CCJ HAS been awarded against you.

 

Then you advise a Stat Demand has been poked through your door.

 

Why have they done both? If they do have the Judgment in default then all they needed to do was enforce the judgment.. eg ask the court to MAKE you pay

 

IF the debt is statute barred, then that would have been a total defence against the CCJ.

 

Please let us see the information from the court.. and then we will be able to advise further on that.

 

Plus, if you have a CCJ against you, then you will need to get that set aside as well ..

 

I don't have that paperwork as it was of poor quality and at the time I thought it was HFO trying it on again the documents were poor quality photocopied blue documents and had a really poor Northampton court stamp on them. As I said in a previous quote I am not sure if the letter was from the Court or from HFO either way I binned it.

 

From memory the figure on the CCJ I believe was the same (around £8000)

 

I guess i'll have to speak to the court on Monday and start digging up some info.

 

thanks again

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I have just been googling about and apparently HFO have been known to take unenforceable debt to a CCJ as in my case and then they have an unenforceable debt e.g. Statute Barred made enfoceable I think this is what they are trying to do to me. So are you saying now they have the CCJ there is no reason they would or should have issued me a Satutory Demand notice?

 

I'm starting to smell a rat here myself but either way is I have a Statutory demand being made against me :(

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Yes we need to deal with the Statutory demand and also check out this court claim, so ring the court ASAP. Have you contacted Barclays? Don't worry, these clowns are getting away with too much but think their days are numbered.

 

Evening Patrick, nice to see you - interesting times!

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