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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.
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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.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
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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
        • Like

help with Paypal Negative Balance


Zazelle
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Hi,

 

I need some serious advice on what to do.

 

Long story short, I did something stupid and accepted a job that used PayPal. What it was is I had to accept money onto my PayPal account, and then withdraw it from my bank account to then send it back via Western Union. Apparently they were into e-currency trading and the website they gave me looked very genuine as it had the Forex logo and the different currency exchanges.

 

Now what happened is that PayPal put that money under review and asked me to send proof. After I did that I still lost and they refunded to the "buyer". I now have a negative balance of £719.48. I can't afford to pay it at once as I am currently unemployed and in benefits. I have been paying into my account bit by bit (paying £20, £10) and now my balance is -679.48. They now call me a lot and I actually called them back and explained my situation. They basically said in a nice way that I need to pay it back fully and asked me to ask family or friends to cover it for me and then pay them back. I can't really do that, and really don't want to. I don't want to go to court as I would not be able to afford it!

 

What do I do? and how long does it take before they send debt collection agency? And how long until they send me to court?

 

BTW, it's almost a month now since the reversal( 9/01/2013)

 

I don't even use PayPal. I only have it because sometimes I need it to pay something online. Other than that, I never use it.

 

Any awesome help would be greatly appreciated, as it stresses me out quite a bit.

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Hi, sadly this seems quite a common '[problem]' that happening at the moment.

 

Did you see the job advertised in the Job Centre?

 

If you did find the job via the job centre I would report this to them.

 

The first thing you should do is report this to the police and hopefully get a crime number. Then send a copy of the number to Paypal and hopefully they will get off your back.

 

Hope you get it sorted

 

JJ

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OK done. Will let you know what they say. It's really stupid though, why would they do that? Even though I gave them evidence they still sided with the [problem]mer, that's really unfair....and I'm actually really scared they are gonna say something like "we can't accept the Crime Reference Number"...

Edited by Zazelle
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Ok, I'm confused now....

 

This is the reply I got:

 

Dear ########,

 

Thank you for contacting PayPal.

We are still reviewing your account and appreciate your patience during this time. Once the review is complete, you’ll receive an email with an updated account status. Regarding case PP-###-###-###-###

Please let us know if you require any further assistance.

 

Yours sincerely,

Elizabeth

PayPal

 

Does that mean they have reopened my case????

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Success! Got this e-mail! (was tired of waiting for a proper email response so called them)

 

 

Dear ,

Thank you for contacting PayPal regarding your crime reference number.

 

I can confirm that we have received your crime reference number: ###############

 

I understand your frustration regarding this matter and regret any inconvenience this might have caused.

 

Yours sincerely,

Nicola

PayPal

 

Hope now they're gonna back off a bit. I'll let you know what happens.

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They are after their money as they cant collect it from your bank account. Phone them up and if you get someone with an Irish accent you will get some sense. If they sound like they are in the Phillipines ask to have a return call from Ireland as you cant talk to someone outside the EU due to Data Protection Laws (not true but it usually works)

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Hi, I've just recieved a letter from Iqor. I find it very annoying that they transferred it to them as I have given them my Crime Reference Number so they shouldn't have transferred it. Do I send them a letter stating that I have been victim of fraud and have given PayPl the Crime Reference Number?

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  • 1 month later...

Hi just thought I'll update you all.

 

I did what you advised and sent them this letter:

 

Dear Sir/Madam

 

Re:− Reference Number #########

 

This is to inform you that I dispute your letter of 20 February 2013 as I have been a victim of Fraud.

 

I have reported this to the police and have been given the following Crime Reference Number:################. This number has also been given to Paypal.

 

Please find attached the confirmation e-mail that the Crime Reference Number has been received by Paypal.

 

Looking forward to hearing from you

 

Yours sincerely,

 

Mr Zazelle

 

Ever since then, I have not heard from them, so I'm guessing they have dropped the case. I'd like to thank just_jue and assisted blonde for the help of sorting this out.

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  • 3 weeks later...

Hi i just wondered how you were getting on with this situation? As i am in a similar one. Involving an online job [problem]. Not quite the same job as you. I have already reported this to the police and have a crime reference number, i have also given a witness statement and provided the police with various supporting documents and evidence. I am also finding paypal not to be very helpful or grasping exactly what i am saying. they have been given my crime reference number. Thanks

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Ever since I send that letter, I've not recieved any calls or letters from Paypal and Iqor. If you have given Paypal the crime reference number, make sure you get a confirmation in writing, so that if they do sent it to a dca, you can prove to them that Paypal recieved it and they wont do anythinh. Just follow the advice on here and you shouldnt get in trouble. I havent been on.my Paypal account ever since then so I dony know if they refunded it or not.

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If they send it to a DCA, just tell the muppets that the "debt" is in deep dispute and if they contact you further then you will not hesitate to make full complaints to the relevant authorites and will add a comment on their fitness to hold a credit licence. Dont fear a DCA, they have no rights whatsoever.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Did they confirm receipt by writing? It's always better to have it in writing. Renegade is right, DCA's can't hurt you if you know what to do, there's no Credit Agreement so they can't force you to pay for something that you don't owe, they can't take you to court because they'll lose, and badly.

 

On my end, no new letters and reminders.

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Thanks

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