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    • Please can you avoid posting solid blocks of text. It is difficult for people to read especially when they are using a small screen such as a telephone. Well spaced and punctuated please. I hear what you say about the evidence – but do you have copies of it? And if so can we see it please. That's the point. We want to know what you have. As long as you have the evidence in your possession then you have some kind of control
    • 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
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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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      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

BT's negligence might have messed up my credit rating


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Hi

 

can anyone help me?

 

I transferred my British Telecom line rental account several years ago when I moved home.

The account was transferred to my brother's name after he became the sole occupant of my old house.

The transfer was effected over the phone with BT, and it seemed to go smoothly.

 

A few months ago I learnt that BT had sent a bill to my old address, in my name,

 

I emailed them via their website and told them that the bill was erroneous because I ceased to be a BT customer years before.

This email went without reply.

 

I then phoned their customer service help line and explained the situation to them.

I told them that I wasn't really bothered about the fact that they had billed me,

because this was an error which could easily be sorted out.

 

What really concerned me, I explained, was that if the problem wasn't resolved in good time,

my credit rating could be affected, owing to any perceived late payment of their erroneous bill.

 

After checking their records, customer services acknowledged BT's mistake and assured me that the problem would be taken care of.

 

They also told me not to worry about my credit rating,

because BT had not yet refered my case to a debt collection agency;

standard practice on their part after bills are continually ignored by their customers.

 

However, some time later, I received another bill, a final reminder,

 

I contacted BT again.

Once more, I went to great lengths to make them understand that my credit rating was very important to me

and that I was extremely anxious that it might be affected.

 

I was then given the same answer as before:

I was told that the matter would be sorted out and that my credit history would still be unaffected

because they had not yet referred me to a debt collection agency.

 

This whole scenario was repeated when I received a final reminder from BT.

This time, though, when I called their customer services helpline and was told that they would rectify the problem,

I explained that I wasn't prepared to take their word for anything, and insisted that they email me,

telling me exactly what steps they had taken to resolve the problem.

I gave them several days to reply but, true to form, their email never arrived.

 

Shortly afterwards, I returned home from work to find a letter from a debt collection agency,

acting on behalf of BT, and demanding money for my unpaid phone bill!

 

I contacted BT again,

this time via their website's Live Chat facility, and asked them what assurances they could give me that my credit history had not been affected.

 

They told me they couldn't give me any assurances and suggested that I contact a company called Equifax and ask them.

I'm still in the process of registering with this company,

so I'm yet to find out if BT's negligence has impacted my credit rating.

 

If it transpires that it has, then I think I'm in trouble because I've been advised that this is irreversible,

even if BT were to formally admit their mistake, and that my credit rating will remain tarnished for several years.

 

If it so happens that my credit rating has been affected,

does anyone know if I am able to seek any redress from BT?

Could I, for example, sue them in a small claims court?

 

I am livid about this, absolutely livid, not just because my credit score might be seriously undermined,

but because this outcome was so avoidable.

 

Any help or advice would be very much appreciated.

 

Thank you

 

Redquasar

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you can get instance access via noddle below.

 

if they have trashed you file

 

you make a formal WRITTEN complaint giving them 14 days

before you contact the ICO.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi

 

can anyone help me?

 

I transferred my British Telecom line rental account several years ago when I moved home.

The account was transferred to my brother's name after he became the sole occupant of my old house.

The transfer was effected over the phone with BT, and it seemed to go smoothly.

 

A few months ago I learnt that BT had sent a bill to my old address, in my name,

 

I emailed them via their website and told them that the bill was erroneous because I ceased to be a BT customer years before.

This email went without reply.

 

I then phoned their customer service help line and explained the situation to them.

I told them that I wasn't really bothered about the fact that they had billed me,

because this was an error which could easily be sorted out.

 

What really concerned me, I explained, was that if the problem wasn't resolved in good time,

my credit rating could be affected, owing to any perceived late payment of their erroneous bill.

 

After checking their records, customer services acknowledged BT's mistake and assured me that the problem would be taken care of.

 

They also told me not to worry about my credit rating,

because BT had not yet refered my case to a debt collection agency;

standard practice on their part after bills are continually ignored by their customers.

 

However, some time later, I received another bill, a final reminder,

 

I contacted BT again.

Once more, I went to great lengths to make them understand that my credit rating was very important to me

and that I was extremely anxious that it might be affected.

 

I was then given the same answer as before:

I was told that the matter would be sorted out and that my credit history would still be unaffected

because they had not yet referred me to a debt collection agency.

 

This whole scenario was repeated when I received a final reminder from BT.

This time, though, when I called their customer services helpline and was told that they would rectify the problem,

I explained that I wasn't prepared to take their word for anything, and insisted that they email me,

telling me exactly what steps they had taken to resolve the problem.

I gave them several days to reply but, true to form, their email never arrived.

 

Shortly afterwards, I returned home from work to find a letter from a debt collection agency,

acting on behalf of BT, and demanding money for my unpaid phone bill!

 

I contacted BT again,

this time via their website's Live Chat facility, and asked them what assurances they could give me that my credit history had not been affected.

 

They told me they couldn't give me any assurances and suggested that I contact a company called Equifax and ask them.

I'm still in the process of registering with this company,

so I'm yet to find out if BT's negligence has impacted my credit rating.

 

If it transpires that it has, then I think I'm in trouble because I've been advised that this is irreversible,

even if BT were to formally admit their mistake, and that my credit rating will remain tarnished for several years.

 

If it so happens that my credit rating has been affected,

does anyone know if I am able to seek any redress from BT?

Could I, for example, sue them in a small claims court?

 

I am livid about this, absolutely livid, not just because my credit score might be seriously undermined,

but because this outcome was so avoidable.

 

Any help or advice would be very much appreciated.

 

Thank you

 

Redquasar

 

 

 

The biggest mistake here is dealing with BT on the phone, Customer (dis) service operatives have no authority and generally it seems little knowledge of how their employer operates.

 

 

The best (and most successful) method of dealing with BT is a formal complaint straight to the CEO Mr Gavin Patterson.

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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noddle is a free CRA provider

 

see below

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Thanks BRIGADIER2JCS. I will write to their CEO directly after asking BT for his/her contact details. I know now that trying to resolve this matter over the phone was less than ideal, but I did make a note of the dates and times that I contacted BT and took the names of the people who I spoke to. Fortunately, BT have these details on record too, and have acknowledged this fact in writing via their Live Chat facility. I also made sure that they sent me transcripts of our Live Chat Sessions, which, of course, I have kept.

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