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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 
        • 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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Hi,

 

Basically same old story as everyone else and got stuck with numerous payday loans. Due to a recent split with wife I am unable to pay these off. I was working on them one by one and paying off interest of the others. I cannot do that now.

 

I have readied myself for this and have opened a new account and reported old debit card as stolen. I know they may still apply but is aas much as I can do.

 

I am going to e-mail them all tomorrow to explain the situation and what I am proposing to pay. Realistically this will be £30 a month.

 

I have a house with my ex and am worried this is in danger but then I am sure these are unsecured debts so as long as I agree a payment plan with then or a DCA and stick to it I will be ok. Well as much as I can be.

 

My own fault and I know that and I am not trying to avoid it but would appreciate any advice and that my assumptions are correct as I want to get these paid off in 2012.

 

Thanks

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It might be worth looking at the amounts you have to pay back on these loans if you havnt yet defaulted.

 

ask all the lenders if the will freeze interest and charges if you pay them the £30 per month (I assume none of them will but you never know).

 

if none of them will freeze int and charges you may be better off clearing the smallest one or two in full to prevent these charges being added (if they are going to add fees anyway it doesnt matter if they get paid initially) you can then pay the remaining lenders a higher amount the next month as there will be less of them and you will have saved yourself a few hundred pounds in fees etc..

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Thanks very much for the advice and I think that will be my plan in January to clear them. My only problem is that I wont be able to make a payment in December. With splitting up and moving out and we have a son together and I need to give money to them as a priority.

 

I will be able to make payments in Jan as I will have had the initial outlay of moving out. Bond, etc. I have got this through work but obviously have to pay back. So with not paying anything in December I think that idea wont work. Though I will try and suggest one of the lenders repayment higher in Jan than the rest with a view to clearing that off and then working on the next. I know I will incur fees and not complaining about that. I just want to get to agree a figure to pay back so I know where I am and to freeze interest.

 

Am I right on the unsecured debt part?

 

Thanks again for your help

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yes dont worry any threats to your house these are not secured loans.

 

the worst they could ever do is to get a charging order on your property (which would mean you have to pay them back when you sell) but they would have to get a CCJ 1st them apply to the court etc.. to much trouble for them if your wiling to pay them back by instalment.

 

they will threaten court etc.. by mostly empty threats, if you get any court papers turn up get back onto this site and there will be experienced people to help you defend it, not too difficult to defend due to the high costs and charges.

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Many Thanks for all your help and as lowered the stress levels a little bit. I will ensure I make a payment to them every month and try to get rid as soon as I can. I am sure most of them will be ok and see what they say.

 

Again I appreciate your responses

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Just to update on this.

 

Microlend have agreed to a repayment plan though I am worried by some of the stories on here they will try to take more than they have agreed.

 

Liquid Advance wanted £105 now and then arrange a repayment plan.

 

I still have Mini Credit, Early Payday Loans and Cash Genie to deal with.

 

My worry is now that court orders will be done and if the bank does let payments go out then I will be in debt with them. My mortgage is with the bank and I am out of my mind that failure to pay them back will mean house is taken away.

 

Does anyone know what happens here? I have around £3K in debts total to payday loans company and I am offering payments of around £250 to £300 a month in repayment. I cannot let the house get taken and can anyone advise my best options.

 

I know my credit rating will be wrecked regardless but I cannot let get a attachment of earnings or house taken. If I get issued a court order will I get chance to pay directly first before AOE stage?

 

Please any advice is welcome as I am going out of my mind with all this and with break up I cannot cope with it all

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Hi firstly it's massively important that you make sure to keep up to date with your priority payments (Mortgage, Council Tax, Water, Gas, Electric, Tv Licence !

always pay your debts with the funds that are remaining after you've paid these vital areas !.

 

You need to actively default on a CCJ for them to take further action against you such as putting a charge on your property !, they are allowed to apply for this but it would be up to the court to deceide !, if they we're to put a charge on your property it would most likely be a sitting charge meaning if wouldn't become applicable until you sold the property which at that point they will claim the funds back.

 

You are not at this stage yet !, which is very important the likely route is the PDL companies will sell the debt on to a debt recovery firm who will then look to make contact with you and arrange a payment schedule !. The first thing you will know if it does get to the CCJ stage is a blue form from your local county court which is a claim form ! you'd need to fill it out within 17 days and you get a chance to make a suitable offer to the debt (of what you can afford) at no stage of the collections process can a creditor take from you more than you can afford !.

 

Summary:

 

Your debts will likely take this route:

 

LENDER \ DEBT RECOVERY \ and sometimes to a CCJ

 

Always pay in this order

 

MORTGAGE \ GAS \ ELECTRIC \ WATER \ TV LICENCE \ SECURED LOANS PRIORITIES !!!!!!!!!!!!

 

General living expenditure comes next INSURANCES \ MAINTENANCE COVER \ FOOD \ CLOTHING etc

 

With any funds remaining pay your debts they are a non priority of yours though meaning a creditor cant take your house away and can only take from you what your prepared to pay !.

 

Offer the creditors what you can afford and pay it anyway regardless if they let you or not.

 

Also seek some professional help there are 3 main free services who are good at devising a plan for you and making things easier !

 

CAB

PAYPLAN

CCCS

 

If you google their numbers they will be able to help !

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  • 2 weeks later...

Thanks. My main problem is mini credit. They are adding charges and interest every day. I spoke to someone as couldn't get e mails through. She said my debt of £250 that I got will be £2072 in 3 months when they will take legal action. So know this will go to court. Will I be allowed to pay the court order directly as she said it may be a straight AOE. That could cause me to lose my job. I am so stressed which is making me very I'll and can't sleep. Would appreciate any help as worried to death about all this

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She's talking rubbish.

 

Firstly, I'd like to see them take you to court for 10 x the original amount - I'm sure the judge would love that. Secondly, even if they did take you to court, an attachment of earnings order is an enforcement measure - the court would only agree to it if you haven't paid what it had ordered. So stop worrying about that.

 

Don't talk to them on the phone again - it's only on the phone that they make these ridiculous claims, because they know they'd be in trouble if they did it in writing. I'm trying to find a postal address for them for you, but it's not something that's easy to find! I can't imagine why....

"Then they came for me--and there was no one left to speak for me". Martin Niemöller

 

"A vital ingredient of success is not knowing that what you're attempting can't be done. A person ignorant of the possibility of failure can be a half-brick in the path of the bicycle of history". - Terry Pratchett

 

If I've been helpful, please click my star. :oops:

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http://www.cccs.co.uk/InfoCentre/EnglandandWales/Creditoraction/Courtaction/CCJ.aspx

 

Please see above link, Mini Credit are bluffing you can't get an attachment of earnings before a CCJ

CCJ needs to be issued by a court not this tin-pot company who thinks an email classes as a default notice, please don't fall for it.

 

http://www.cccs.co.uk/InfoCentre/EnglandandWales/Creditoraction/Courtaction/Attachmentofearnings.aspx

Edited by asmilecostsnothing
.

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Thanks. That is good to know. I tried to e mail mini credit but couldn't find one. The charges are in the agreement so guess I will have to defend it in court. I know the Debts are unsecured and I can pay small payments till get back on track. Am I right in thinking this will be ok whether it be direct, DCA or CCJ?

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Yeah I think so, I recently see their DCA is Daniels Silverman (they MC may pass to this external company) which whilst I don't like DCA, DS being a 'proper' one should at least give you their bank account details or giro slip to be able to pay in at a bank

 

Have you tried reporting Mini Credit?

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Address for Mini Credit. 30 Borough High Street, London, SE1 1XU

 

Anything is better then being on the phone to them

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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No. Going to try get e mail address. I don't mind dealing with a DCA but they said will be straight to court. Will write or e mail so I have a record.

 

I still have another 7 companies to sort out but hoping I can pay direct. Anyone know about Liquid Advance, cash genie, 247 money box, wage day advance and early pay day Loan company?

 

If can get agreements in place it will relieve a lot of stress.

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try this as email address.... can't guantee it will be work

collections@minicredit.co .uk

 

 

Edit: and try this

 

 

Edited by asmilecostsnothing
adding

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Quote I still have another 7 companies to sort out but hoping I can pay direct. Anyone know about Liquid Advance, cash genie email customersupport@cashgenie.co.uk

, 247 money box, email customer.services@247moneybox.com wage day advance and early pay day Loan company?

 

The others I really don't know about - not used them

Someone else?

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Well I have negotiated with Cash Genie now who seem very reasonable and will accept my payment. My main problem is Mini Credit. They have added on £130 to the debt in 4 days!! Trying to get a loan via work to pay this one off though I will be offering considerably less. If I can get that sorted it will be a huge relief. 247 Moneybox dont seem to know how to respond to e-mails and EPDl havent even replied. Other than that dealt with most.

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Most dont really. Cash Genie is charging me £75 extra than amount due and I am paying £20 a month. I know it is more than original debt but I kind of expected a penalty for failure to pay and accepting the repayment plan which is peace of mind for me for that loan and that is worth the £75. Mini Credit are just rip off merchants who try to collect the debt 3 times a day and charge you £5 for it. I just want rid of these and spread the word to everyone avoid Mini Credit - Though in my case I never want to see another payday loan company after I get these in order. Totally my fault and I accept that but some of them are pure evil once you default. To balance this out I would like to add that the majority of mine Wonga, Cash Genie, Txt Loan and Micro Lend have been very fair and reasonable.

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