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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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Stopping Payments to Stepchange and going it "alone"


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these agreements are from 20 years ago

 

the chances of obtaining the original agreements /t&cs are next to zero

 

save yourself £45 per month

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Thanks for the reply.

 

The problem being though, they are reporting this as AR. If I stop/reduce payments, these markers will show for the rest of my life. So I need to try and get the markers removed as I have done already elsewhere. If/once this is done, I can stop the payments. I just can't see them agreeing to anything, if I suddenly stop payments.

- BlondieGirl

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  • 2 weeks later...

Barclaycard put AR/AP markers on for a credit card 8 years ago.

 

 

The account never actually defaulted

 

 

when i challenged this

 

 

Barclaycard told me these markers did not put me in a more disadvantaged place

rather than someone who made no effort to pay.

 

 

so i gave up.

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AP markers never go away and can be seen for upto 6 yrs in the account history.

 

 

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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What's AP/AR markers?

 

It's probably something obvious but I can't remember seeing this mentioned before.

 

It's been a while since I heard anything on a thread that I subscribed to on here!

 

arrangement to pay

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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These AP markers are so damaging.

 

 

For a debt which was run up in my 20's,

they can be reported on until nearing retirement.

Hardly fair when someone is trying to pay debts off rather than declare themselves bankrupt

and it means we can do nothing which requires any credit check (including never being able to move!!!!).

 

 

It is a load of rubbish to say that it shows a debtor is doing the responsible thing,

it may not affect credit etc which I have read about.

 

 

They are as bad as a DF, but stay for much longer.

 

 

Anyway, following a letter and subsequent phonecalls,

Barclaycard have removed them from my credit file :-D they have gone!!!

 

 

So they can be removed, depending on who the OC is.

 

 

Barclaycard called me within 24 hours of receiving my letter;

on the other hand,

MBNA have written to say that they've assigned my complaint to someone

and hope to contact me again by mid-December.

Not such a great response.

- BlondieGirl

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Barclaycard put AR/AP markers on for a credit card 8 years ago.

 

 

The account never actually defaulted

 

 

when i challenged this

 

 

Barclaycard told me these markers did not put me in a more disadvantaged place

rather than someone who made no effort to pay.

 

 

so i gave up.

 

Are the AP/AR markers still showing?

- BlondieGirl

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I have started to receive lots of paperwork following my SAR. Quick question! Although I'm not sure there's an actual answer. An awful lot of it is in 'code', different formats and abbreviated which would mean something to the OC but not to me. Any pointers as to where I should start looking and what I should do with all these reams of paper? Thanks.

- BlondieGirl

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scan up sar narrative minus pers details and any interesting/ important docs

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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  • 1 month later...

Rather than go through rubbish Stepchange,

I intend to leave Stepchange and make payments to creditors ourselves.

 

 

But, will making these individual payments hinder our possible mortgage application in a few years??

 

If we start making eg, £1 payments to a creditor, these will show on our bank account.

 

 

If a mortgage provider scrutinises our account and sees payments like this to creditors, will it ring alarm bells/raise questions?

 

 

Some of these debts have vanished from our credit report and I was just hoping that they stay hidden.

 

Thank you for any advice offered :-)

- BlondieGirl

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By the time you apply for a mortgage, will these debts be repaid ?

 

At the present time, lenders are looking for at least 2-3 years with a good credit history before parting with any loans !

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Uploading documents to CAG ** Instructions **

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi, thanks for the reply. No, these debts won't be paid off for a long time.

 

 

However, they're not all showing on our credit file.

I don't necessarily think we will want to borrow more,

we may have to accept renting a bigger house and changing our mortgage to a buy-to-let type loan

and rent our house out because I don't want to sell.

 

We got into this trouble in our 20's when we were living in a small house.

 

 

Now in our 40's with 2 kids in our small house, we need to move.

 

 

The only possible way we can do this, is to rent a larger house because I don't believe we'll get a bigger mortgage.

 

Thanks :0)

- BlondieGirl

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Ah righto, well I don't actually see you having any problems coming away from stepchange.

 

If you have a lot of debts, then you will need to be organised - keep each "creditor/Debt" in a separate file. I designed a spread sheet for when I was dealing with ours in order to keep track of payments/letter sent/received etc. It made life a lot easier.

 

You will need an up to date statement for all your creditors from Step Change before you start dealing with your creditors. Then take it from there.

 

Have you done all the reclaiming of charges/ppi and checking the agreements, etc ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi, I have been attempting to sort our credit files out for a long time.

I assumed that if my bank looks at our account if we try and change the mortgage

and see payments to CCCS/OCs they will know about all the debts

(which aren't showing on our credit file).

 

I have posted on this site under separate debts and so far,

I have written to each creditor.

Some have agreed in writing that that the debts aren't enforceable (I intend to pay them £1 a month).

 

 

Some have sent copies of the signed agreement to me (MBNA).

I have sent SARs and have a mountain of paperwork for each account in reply.

 

I wrote to Barclaycard who actually agreed to remove my account on my credit file (yipee)

and I now have a battle with MBNA to do the same.

 

 

They have declined and report that each account is in arrears.

I have written to them to say that I actually have broken the arrangement with them (I couldn't afford what they stated I had to pay)

, which would place the account in DF.

 

 

I have also said that they can DF me after a time of being in arrears.

They'll be reporting on me being in arrears forever more which is not helping!!

 

I basically have to:

* post a copy of these signed agreements to my separate threads to see if they're enforceable;

* try and make sense of the jumbled coded info that they've sent following SARs;

* reply to MBNA to state that I disagree with the decision to not DF me

* write to the ICO about MBNA and the way in which they report me as being in arrears when I have broken the terms of the arrangement

 

It's so stressful lol!!

- BlondieGirl

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MBNA are probably one of the worse for not reporting to credit files - I think whilst you are paying them even £1.00 they will continue in this manner. It makes a mockery of the system IMHO.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Well, if by some miracle, I can get our credit reports changed like I did with Barclaycard, does anyone know if a mortgagelink3.gif provider will scrutinises a bank account and see payments like this to creditors/CCCS, will it ring alarm bells/raise questions?

 

Or is it better to pay them through a bank even if it's a hassle so that it disappears from our bank account as some of the debts have from our credit reports?

- BlondieGirl

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Hi BlondieGirl

 

Information below from Citizens Advice CABmoney on self administering your own debt management plan (including changing from a provider)

 

https://nedcab.cabmoney.org.uk/dmp.asp

 

http://cabmoney.org.uk/

 

Administering your own DMP is becoming much easier and accessible for those who wish and feel confident enough to manage their own plans or have little other choice

 

Creditors should treat you the same if you self-manage or go with a provider with the FCA treating customers fairly initiative (TCF) now coming into play also

 

http://www.fca.org.uk/static/documents/consumer-credit-being-regulated-guide.pdf

 

Hope this helps some

 

Best Wishes

 

W

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Hi W, thanks. We've been on a plan for over 6 years so I know how to do it :0)

 

I am trying to find out if it will harm us if our bank account shows (albeit small) payments to credit card companies/DCAs (as opposed to a monthly payment to Stepchange) if we were trying to change a mortgage. Most of the debts have now dropped off our credit report so a mortgage provider won't see them. I'm not sure if they'll question every entry on a bank statement hence my question.

- BlondieGirl

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get yourself an additional basic bank ac and make the payments from there just to be cautious

 

certain companies offer bTL mortgages with little/no scrutiny

 

they are basically a business loan, subject to LTV and rental assessment

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Thank you theoldrouge. I will sort out a basic a/c somewhere and pay some cash into it.

 

I haven't looked into btl mortgages in any great detail so that's good to know we may be eligible for one. The ltv would be pretty good because we now have quite a lot of equity and renting it out wouldn't be a problem either. The future might be looking up after all lol (except for the flippin arrears markers with MBNA)

- BlondieGirl

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