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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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      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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      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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    • 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.
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      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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Cabot/marlin/restons -argos card claimform


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Hi Everyone

 

Back again as Caboot are back.

 

They appointed Marrlin who wrote to me asking for payment in full on a debt that I believe to be Statute Barred.

Last contact from Arrgos Card Svces was in 2006 when they sent a notice of assigment.

 

Payments continued to Moorcroft, unfortunately I cannot find the paperwork regarding this issue, it may be in attic. which I will need to access later today.

 

I received letter from Reestons yesterday, the letter was dated 7 days prior to me recieving it.

I have to contact them by next Tuesday, if I do not they submit a claim to the county court.

This now leaves me less than 5 days to deal with this issue.

 

Do I advise Reestons that I believe this debt is statute barred? Or that that I dispute the debt? or should i ask them to provide a CCA?

 

I have asked a debt collector in past to provide a CCA which they could not do.

 

I beleive I should now send a SAR to ARrgoos card svcs, is that correct?

 

I think that I should also ask Caboot to provide a CCA? is that correct?

 

 

As this is such an old issue I am not sure where to start with it, and as I have very little time to respond really need to know what to send to REsstons. Whatever i need to send will have to be sent Monday at the latest.

 

Poppay

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If they havent replied to a cca then they know its a bad debt. Thats why theyre threatening you

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

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hi renegadeimp

 

thanks, yes I know.

However I havent asked this particular dca for a cca. as this has all happened in a couple of weeks time. I beleive they are relying on me not to reply to proceed with a ccj.

I am not entirely sure if this is just a threat by the solicitors or not, but i have a feeling that they will try to obtain a ccj.

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hi renegadeimp

 

thanks, yes I know.

However I havent asked this particular dca for a cca. as this has all happened in a couple of weeks time. I beleive they are relying on me not to reply to proceed with a ccj.

I am not entirely sure if this is just a threat by the solicitors or not, but i have a feeling that they will try to obtain a ccj.

 

 

 

I note you say payments were made to Moorcroft, when did these cease.

 

 

For a debt to become statute barred in England & Wales the cannot have been any payments for 6 clear years and no unequivocal written acknowledgment of the debt.

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Unfortunately I cannot recall when the last payment was made to moorcroft. I am still attempting to find more documentation.

I did have contact with cabot in 2006 from what I can gather it was regarding payments, as I have a note on the letter from Cabot to continue with the arrangement with Moorcroft. that letter is dated in late 2006.

 

I will be accessing my loft later to see if I can find any more documents.

 

If I cannot state whent he last payment was and therefore am not sure that it is statute barred, how should I proceed?

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Unfortunately I cannot recall when the last payment was made to moorcroft. I am still attempting to find more documentation.

I did have contact with cabot in 2006 from what I can gather it was regarding payments, as I have a note on the letter from Cabot to continue with the arrangement with Moorcroft. that letter is dated in late 2006.

 

I will be accessing my loft later to see if I can find any more documents.

 

 

 

 

If I cannot state whent he last payment was and therefore am not sure that it is statute barred, how should I proceed?

 

 

If we can get close to that last payment it will certainly help.

How late in 2006 is the Cabot letter dated?

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I have just searched my bank statements online and it appears that the last payment made was on 6/4/2009, therefore I was wrong it is not statute barred yet.

 

how should i now proceed?

 

do i request A cccA from REstoons or from Caboot?

 

although no DCA has been able to supply a ccca to date.

 

do I also send a SAR to Arggoos?

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Why do you only have till tuesday? Ignore their silly timelines. Theyre chasing me on 2 debts that are well statute barred by at least 5 years and 1 that isnt. Ive had 4 letters for the non sb one that states i have 7 days to reply. I just send them a prove it letter and they send the 7 day one back.

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

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I have just searched my bank statements online and it appears that the last payment made was on 6/4/2009, therefore I was wrong it is not statute barred yet.

 

how should i now proceed?

 

do i request A cccA from REstoons or from Caboot?

CCA to Restons.

Yes CCA to Restons.

 

A SAR to Argos maybe worthwhile.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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thanks Brigadier

 

was concerned as was not sure what to do first and didnt fancy the whole court thing again.

 

I will get the CCA request off to Restons asap.

 

I will also send an SAR to Argos

 

I will keep you updated as to how this goes.

 

Poppay

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Hi All Restons replied and the main gist of their letter is as follows: I will upload Restons reply later today as they have returned my request and also stated that a there is no longer an agreement as this terminated when I defaulted on the loan. they refer me to the Judgment of His Honour Judge Simon Brown QC in Rankine v American Express Services Europe Limited. they have not said what their next move is though. should I CCA cabot now? regards Poppay

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Anyone chasing you should hold a valid CCA or reconstituted CCA in order to chase you.

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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Hi All Restons replied and the main gist of their letter is as follows: I will upload Restons reply later today as they have returned my request and also stated that a there is no longer an agreement as this terminated when I defaulted on the loan. they refer me to the Judgment of His Honour Judge Simon Brown QC in Rankine v American Express Services Europe Limited. they have not said what their next move is though. should I CCA cabot now? regards Poppay

That judgement never made sense imo.

 

 

If anyone is chasing a debt there should be an agreement allowing them so to do.

This was a CC account not alone as Restons state.

 

 

Try a CCA to Argos.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi Brigadier I am assuming that they are trying to scare me with so called legal 'precedents'. Thank you for pointing out that it is a credit card, or to be precise a store card. which amounts to the same thing. Should I reply with a dispute letter? I have a feeling that they are just itching to begin court proceedings. As Marlin have sent a letter threatening legal action on the Aqua issue, the date on the that letter is Monday which is the date I sent the cca request to them for this issue. It feels as though they cannot wait to send that one on to Restons also. It all feels as though its going through on a conveyor belt system :) Poppay

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hi

 

have my internet connection back, just in time too, as I have just recieved a claim form from the county court business centre in Northampton.

 

restons were indeed on a direct course for the courts, despite the request for a cca.

 

do i need to ask CAbot for a cca as they are the client?

I have requested CCAs for this from other debt collectors, even Moorcroft and none were able to supply one.

 

How should I proceed with county court claim? should I say that I dispute the claim? say that no dca has been able to provide a cca? say that I wrote and requested a cca from Restons?

 

I will get cca request and SAR off to ARgos asap.

 

Poppay

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the Particulars of the claim are:

 

The Claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendants(s) and Arg Card Services Ltd dated on or about 03/01/2002 and assigned to the Claimant on 20/11/2006 in the sum of £1123.04

 

PARTICULARS: A/c no: *************(**

 

DATE ITEM VALUE

01/07/2014 Default Balance £1123.04

Post Refrl Cr NIL

 

TOTAL:- 1123.04

 

Typed verbatim.

I dont think the default balance is right as they are using the this July for the total at default.

there is no other information undedr the PARTICULARS OF CLAIM. Nothing about documentation or anything else.

 

Poppay

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Cabot likely have no knowledge of the debt or have the paperwork, let alone the correct amount. They seem to be doing lowells trick of using court as a debt collection method, hoping you dont know your rights and keep your head down so they can get the CCJ.

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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Because theyre chancing their luck and hoping to get a CCJ by default. Thats how these companies operate. Even if they cannot enforce the CCJ, theyll still try and get one purely out of spite.

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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How wonderful to be harangued out of spite !! I guess to them I am nothing but a number and a probable cash cow. However, they do seem a rather nasty bunch from what I am gleaning from posts on this site. despite hating having to deal with it, i certainly will not be just allow them to get a ccj by default. Unfortunately too busy at work to be able to focus on this, will have to take a day off late in the week and so that i can focus on what I need to do next, payday soon so I can get the SAR request off this week too.

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