Jump to content


  • Tweets

  • Posts

    • 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  
  • Our picks

    • 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
        • Like

Lowell now chasing old Vanquis CC debt


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2553 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I had a letter come through the door a few weeks ago from Lucas Credit Services,

 

stating that they were acting on behalf on Lowells.

In the envelope was a letter from Lowells saying Lucas were sorting the debt for them, and i had 7 days to reply :violin:

Before the 7 days was up i had Lucas emailing me "if you don't reply to us, we will continue to correspond to you via email".

I had no more letters but 3 emails.

 

Up until now, i've not heard anything about this debt since 2011.

 

It seems as though they are trying to get a rise out of me.

 

Do i correspond to them via email?

 

At the moment, i set it to go into my junk folder, i did debate blocking them.

 

History:

 

Its a Vanquis credit card taken out in 2010 of around £400ish.

 

I tried to pay them multiple ways:

went into bank and was refused,

rang up and they kept disconnecting me.

 

with that, i didn't bother to pay

 

I then came into financial difficulties,

 

i'd gone beyond the point of no return.

It was defaulted in 2011, and no payment was ever made on the account.

 

Its no up to £600 odd, and i know most of that is charges.

 

Whats your guys take on this?

Link to post
Share on other sites

  • 1 month later...

They continue to email. Most recent email:

 

 

 

Dear Sir or Madam

 

 

Your OVERDUE DEBT of £600.00 owing on your Vanquis account remains outstanding despite having asked you for payment on several occasions.

 

 

 

We now require you to contact this office immediately to confirm one of the following: -

1. You will be making payment of the full amount due immediately

 

2. You will be making payment of the full amount due within 30 days

 

3. You are unable to pay the debt in full and wish to negotiate a repayment arrangement

 

4. You will not be making payment of the debt and provide details of the reason why together with documentary evidence

 

Our records show that you have been given several opportunities to make payment and you have chosen not to. This matter must now be resolved and we urge you to contact us on 01274 957060 within the next 5 days to confirm how you intend to bring this matter to a conclusion.

Link to post
Share on other sites

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... 

Link to post
Share on other sites

Start the ball rolling with this send blank £1-00 postal order but get proof of postage.

 

 

They then have just 12 + 2 days to send you the agreement + all T&C's .

 

 

Then comeback to update the thread.

 

 

In the meantime ignore the silly emails

If I have been of any help, please click on my star and leave a note to let me know, thank you.

Link to post
Share on other sites

  • 1 year later...

Ive been having Lowell send me letters a week before xmas 2015 and they've been coming in every 2 weeks now on the dot.

 

They are for a credit card i took out with Vanquis back in 2011. Circumstances changed and i couldn't pay it. Hey ho, i shouldn't of took it out in the first place. Younger and stupider me strikes again.

 

I'm not in a position to pay it back and Lowell are chasing me for 3 other debts (have threads for these).

 

The letters just consist of: we want to help you, and i recall a discount being offered a few weeks back.

 

 

What to do? Ignore or respond?

Link to post
Share on other sites

Ignore... Sent Vanquis a CCA request to find out why the discount. Probably full of fees too, Then you have the ROP issue (their PPI)

 

Lowell now owns it, its "Lowell" on my credit report.

Link to post
Share on other sites

CCA lowell, SAR vanquis depending on what lowell returns.

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

Link to post
Share on other sites

You have 3 choices.

 

Ignore.

Send a prove it letter.

CCA them.

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

Link to post
Share on other sites

You have 3 choices.

 

Ignore.

Send a prove it letter.

CCA them.

 

I ignored one CC with Lowells and i ended up with a claim pack.

The CC didn't even have one payment made to it IIRC.

 

I had planned to ignore it til the letters started getting a bit more serious, but figured you guys have more experience and would know better than me :)

Link to post
Share on other sites

Well, its your choice, but those are the 3 options to you right now.

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

Link to post
Share on other sites

You have 3 choices.

 

Ignore.

Send a prove it letter.

CCA them.

 

There is anther option of course, arrange to repay the loan.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Link to post
Share on other sites

We are struggling to pay our everyday bills as it is.

 

OK.

I take it you have other debts ? have you considered a DMP, if you do not have the funds they will negotiate a token payment with the creditor.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Link to post
Share on other sites

We are struggling to pay our everyday bills as it is.

 

Absolutely ...you must meet your priority debt payments first...this will hold...send a CCA request in the first instance...watch how their attitude and approach changes.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

There is anther option of course, arrange to repay the loan.

 

If the debt is actually legit and legally enforceable. Very few vanquis debts are when sold

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

Link to post
Share on other sites

couple of old threads on the same debt merged.

 

 

might be best to revisit what you have done from day one by reading this merged thread now

please keep to one thread per debt

saves people duplicating advise and wasting their time

 

 

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... 

Link to post
Share on other sites

Well its some time since I posted on this thread way back in '14. So you are back again asking what to do and the advice is the same. Send the CCA off and see what they come back with. Its obviously full of charges..

 

 

Do the CCA's work yes they do and recommended, firstly to see if it is enforceable. As I said way back, I had the same issue as you and followed the advice the result was debt cleared.... Vanquish has Vanished... Never to return... ROP reclaimed fees reclaimed F&F settled at less than I would have expected. I was less well informed back then but now its water of a ducks back The advice has been given so take it or leave it....

 

 

Time to read the Conc rules again or just read them for the first time even.... Also I have a success story in that section too on more than one occasion... It works...

If I have been of any help, please click on my star and leave a note to let me know, thank you.

Link to post
Share on other sites

Off topic posts removed..thread tidied.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Well its some time since I posted on this thread way back in '14. So you are back again asking what to do and the advice is the same. Send the CCA off and see what they come back with. Its obviously full of charges..

 

 

Do the CCA's work yes they do and recommended, firstly to see if it is enforceable. As I said way back, I had the same issue as you and followed the advice the result was debt cleared.... Vanquish has Vanished... Never to return... ROP reclaimed fees reclaimed F&F settled at less than I would have expected. I was less well informed back then but now its water of a ducks back The advice has been given so take it or leave it....

 

 

Time to read the Conc rules again or just read them for the first time even.... Also I have a success story in that section too on more than one occasion... It works...

 

 

 

Section 78 requests have nothing to do with unenforceability they are about asking for information only.

On a 2011 agreement it is very unlikely that there will be any problem for them to send a copy anyway as they are computer generated.

As we know the unenforceability option on copy requests is only temporary and lasts only as long as it take for them to supply a copy, to do this the creditor does not even have to have sight of the original document he can just make one up out of contemporary data.

 

I am not aware of any court case which has resulted in an agreement being deemed permanently unenforceable due to a section 78 request.(nor could there be)

 

Should add that conc has nothing to do with unenforceabiity

Just for the sake of clarity.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Link to post
Share on other sites

Dodge while I agree with you about S78 last year lowells closed my vanquis account and wrote off 1300. I can only think it was because no DN had been issued. Well they did but it was a pile if cobblers.

Any opinion I give is from personal experience .

Link to post
Share on other sites

Dodge while I agree with you about S78 last year lowells closed my vanquis account and wrote off 1300. I can only think it was because no DN had been issued. Well they did but it was a pile if cobblers.

 

Hi Fletch without wanting to interfere with this thread any further, we both know that creditors and DCAs do not pursue for a variety of reasons.

 

I dont know the details of your case but it can be becasue they wish to curtail a certain block of accounts and reconcile their books write off liabilities etc.

It could be that the debtor is being particularly awkward and it looking likely that they are going to have to employ legal counsel on an account which even if won would not be recoverable, or any number of other reasons.

I think I agree that the default notice issue has taken over form the copy requirements in being the most likely one to succeed, although it is still vanishingly unlikely, if push comes to shove.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...