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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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Cap1 & CCA return


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Got phone call today from a dca I think

Ring Ring

Hello

Is that Mr Bardsley

Speaking

Could I have your address and date of birth?

Who am I speaking to?

Michele

Hi Michele do I know you

No will you give me you r address and date of birth

Why would I give you that information?

So that we can identify you

So who are you?

I can’t tell you it’s the law.

I can’t tell you my mother always told me not to talk to strangers.

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Strange beings these debt collectors

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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What tha fa??

 

What do you think goes through these people's heads?

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Guest The Terminator
What tha fa??

 

Waht do you think goes through these people's heads?

 

un1boy I don't know what goe's through their heads but I know what I'd like to put through their heads.:D

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Guest The Terminator
Got phone call today from a dca I think

 

So that we can identify you

So who are you?

I can’t tell you it’s the law.

I can’t tell you my mother always told me not to talk to strangers.

Click

 

Strange beings these debt collectors

 

Anyone got any idea what that law is.

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un1boy I don't know what goe's through their heads but I know what I'd like to put through their heads.:D

 

Haha

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Anyone got any idea what that law is.

 

Their law. Come on Terminator, you know as well as I do that these institutions are above the standard law of this country and can do what they want.

 

(Yeah, right!)

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Guest The Terminator
Their law. Come on Terminator, you know as well as I do that these institutions are above the standard law of this country and can do what they want.

 

(Yeah, right!)

 

I agree but how much longer are they going to have their own way?

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Can one of you venerable contributors have a look at this thread

 

http://www.consumeractiongroup.co.uk/forum/general/58125-cca-time-limit.html

 

I am not too sure about the advice being given. Is this right because to me it looks like this person has made a CCA request and the creditor or DCA has failed to supply a copy of the agreement.

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I agree but how much longer are they going to have their own way?

 

Not for much longer by the time you and Tamadus have finished, eh? ;)

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

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un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Can one of you venerable contributors have a look at this thread

 

http://www.consumeractiongroup.co.uk/forum/general/58125-cca-time-limit.html

 

I am not too sure about the advice being given. Is this right because to me it looks like this person has made a CCA request and the creditor or DCA has failed to supply a copy of the agreement.

 

Hi Jones,

 

If they can provide a copy of an agreement, but one that is unenforcable (ie has one signature, is not dated, does not have the T&C's with it) then the debt does legally remain and can be requested by the lender. You see it only means that they cannot legally enforce the current agreement or its T&C's.

 

However, they tend to refund the money etc because if we report them to Trading Standards hey will get fiend a hefty hefty amount, plus failure to comply with a CCA request is a criminal offence punishable by a fine of £2500 and/or a length of time in prison - it is mentioned on this thread I think.

 

If they don't have the agreement at all then it is my contention that the debt doesn't exist at all and therefore cannot be requested by the lender.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Guest The Terminator
Can one of you venerable contributors have a look at this thread

 

http://www.consumeractiongroup.co.uk/forum/general/58125-cca-time-limit.html

 

I am not too sure about the advice being given. Is this right because to me it looks like this person has made a CCA request and the creditor or DCA has failed to supply a copy of the agreement.

 

Thats exactly the way that I see it.

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I can see that too - what should we do?

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Guest The Terminator
I can see that too - what should we do?

 

And because they haven't supplied a copy of the agreement not only have they comitted a criminal offence but the debt is also unenforceable without them going to court then the judge is not going to be to happy if they then supply the agreement.Also there would be a breach of the DPA.I can see one big lump of poo hitting the fan here.

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I have posted another message for Bubbles. I am always anxious about disagreeing with others because I have only a limited knowledge of this sort of thing. I just hope for Bubbles sake I have read this right because then he/she will finally be able to get the DCA and the bank of their back.

 

Thanks for looking

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I can see one big lump of poo hitting the fan here.

 

I agree.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Guest The Terminator
I have posted another message for Bubbles. I am always anxious about disagreeing with others because I have only a limited knowledge of this sort of thing. I just hope for Bubbles sake I have read this right because then he/she will finally be able to get the DCA and the bank of their back.

 

Thanks for looking

 

Hi Jones I've just read it and it is correct in what you say ;)

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I have posted another message for Bubbles. I am always anxious about disagreeing with others because I have only a limited knowledge of this sort of thing. I just hope for Bubbles sake I have read this right because then he/she will finally be able to get the DCA and the bank of their back.

 

Thanks for looking

 

It looks to me like you handled it pretty well Jones.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Right guys I am going to have to call it a nite - I have been studying for my mortgage exams all evening and I am tired.

 

Good night to all, sleep well and I'll catch up with this thread and everyone else in the morning!! :D

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Phew!!! Well this stuff took some reading - but I got here in the end!! :D

 

One thing that does baffle me is - if many of the CCA's don't appear to be with the banks/credit card companies through various reasons like I am reading here (some banks destroy docs, some never execute proper agreements etc..) THEN how is it that the DCA's plan to get their money other than the usual scare tactics??

 

Surely if the CCA's exist then the Banks & CC Companies would be enforcing the debts themselves or forwarding the CCA's & account history along with the debts?

 

I am totally baffled as to how the DCA's are taking court action on debts where there are no proper CCA & SAR materials - how do the DCA's plan this will work?? BUT more to the point how do they expect the claims to go ahead without supplying the required data to support their claims??

 

In my own case I need to concentrate on slamming back a separate claim for their lack of compliance with the data requested?

 

How Would I fill out the particulars of claim?? it's not money being claimed - rather the lack of account information as requested.

 

I think I read enough to make my head spin on this thread tonite - so am going to have a think now as to the best way to do this stuff.

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Elizabeth, I think what happens is that when consumers get their court cummons, they rarely turn up so he Judge enters a Judgement and thats why he doesn't ask to see the docs.

 

If the consumer turns up, the lender/DCA rarely do and that's why you hear of people paying something back at £1 a week for the rest of their lives!!

 

That's my understanding, but I may be wrong!!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Been reading the various threads and a little confused.

 

How does it stand if a credit card company cannot provide a copy of the original application form or a Consumer Credit Act Agreement. Is the balance outstanding stil enforceable.

 

Also, does a credit card agreement have to be signed. just applied for an MBNA card online and they sent the card without my signing any agreement. Would the debt stil be enforceable. The card has arrived and has been used.

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Been reading the various threads and a little confused.

 

How does it stand if a credit card company cannot provide a copy of the original application form or a Consumer Credit Act Agreement. Is the balance outstanding stil enforceable.

 

Also, does a credit card agreement have to be signed. just applied for an MBNA card online and they sent the card without my signing any agreement. Would the debt stil be enforceable. The card has arrived and has been used.

 

Put simply, if there is no agreement then there is no debt, it can't be enforced and doesn't exist. That's if there is no agreement.

 

As for signing, as far as I am aware yes, section 61 of the CCA sets out the format of an executed agreement:

 

61 Signing of agreement

(1) A regulated agreement is not properly executed unless—

(a) a document in the prescribed form itself containing all the prescribed terms and conforming to regulations under section 60(1) is signed in the prescribed manner both by the debtor or hirer and by or on behalf of the creditor or owner, and

(b) the document embodies all the terms of the agreement, other than implied terms, and

© the document is, when presented or sent to the debtor or hirer for signature, in such a state that all its terms are readily legible.

 

However, as far as I understand it the new CCA regulations coming into force in Arpril allow for electronic signatures.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Un1boy,

 

Yes I reckon you re right cause most people would usually adit a debt and fill in the income expendiutre form that comes with claim and then offer to pay xxx pounds a week etc.. so no questions are ever asked regarding the CCA's etc.. (Mmmm!! clever stuff??) so there is never a need for any person appear in court in respect of defendant cause they fully admitted the claimants claims in full and have offered to settle debt straight away!!

 

So the DCA's are basically "winging" it cause they've taken advantage of "joe public" not knowing their rights etc.. over the CCA stuff etc..

 

This is what I was thinking - just wanted to get it clear in my head cause it seems so "simple" I thought I'd missed the whole point. Thanks for your help - it's so simple it seems untrue? I had to triple check that cause I thought I'd mis understood something. I came to these thoughts last November and thought I'd been going MAD for the answer to be so simple - but this has confirmed everything I initially thought.

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Un1boy,

 

Yes I reckon you re right cause most people would usually adit a debt and fill in the income expendiutre form that comes with claim and then offer to pay xxx pounds a week etc.. so no questions are ever asked regarding the CCA's etc.. (Mmmm!! clever stuff??) so there is never a need for any person appear in court in respect of defendant cause they fully admitted the claimants claims in full and have offered to settle debt straight away!!

 

So the DCA's are basically "winging" it cause they've taken advantage of "joe public" not knowing their rights etc.. over the CCA stuff etc..

 

This is what I was thinking - just wanted to get it clear in my head cause it seems so "simple" I thought I'd missed the whole point. Thanks for your help - it's so simple it seems untrue? I had to triple check that cause I thought I'd mis understood something. I came to these thoughts last November and thought I'd been going MAD for the answer to be so simple - but this has confirmed everything I initially thought.

 

Yep, you see, I know people that have received a letter from a DCA saying "here is your court date" and they get scared, thinking "Im not going, they will win"

 

But bear in mind that the consumer most probably hasn't contacted the DCA or the DCA haven't contacted the consumer so the courts issue a date (just like if you dont enter your AQ or defence on time).

 

The date would not have been issued if the consumer would have entered a defence would it? Not at all......

 

My advise is to stand up to these people, issue the CCA/DPA request where relevant and if it goes to court, then at least defend the action.

 

At the end of the day, if I sent a summons to you for 12k and you didn't defend it, what are the courts going to think? "Oh, well elizabeth must owe him it, shes just hiding away from it".

 

So, they issue a court date and you don't turn up. The court think, right ok Elizabeth you'll have to do an attachment of earnings to pay un1boy back.

 

That is a VERY simplistic example - but remember to defend it and put your eveidence to the Judge, then there is no defence is there?

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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