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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.

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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
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Backdoor IND/Welcome Finance/ CCJ found after getting an interim third party debt order***Settled***


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Under no circumstances should you cancel a cheque or card payment to HM Courts and Tribunals Service. Cancellation of a cheque or payment could result in HM Courts and Tribunals Service pursuing the fee from you as a civil debt.

 

Aside from the County Court hearing fee, no other fee outlined within the civil fees order is subject to a refund. HM Courts and Tribunals Service typically only refunds fees where the court has made a processing error, ie the court have processed a claim or application even though you have requested that it should not be processed.

 

In instances where the court user has made an error no refunds will be approved. Please note the court cannot be held responsible for processing duplicate applications or claims.

 

https://www.gov.uk/government/publications/fees-for-civil-and-family-courts/court-fees-for-the-high-court-county-court-and-family-court

 

So with the above in mind I would send a replacement N244 and change box 10 or speak to the court and ask can you submit an amendment to point 10 only.

We could do with some help from you.

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He has already spoken to them and e mailed to retract the application. They have confirmed no refund will be forthcoming so I guess thats the price we pay for that mistake

 

We don't want to amend it at this time due to us not knowing what paperwork (if any) IND will send to us. Don't want to stand in court and defend something that may not be statute barred

 

With regard to the Debt order hearing a letter has gone to IND asking them to contact the court and get it stopped as the account is now in dispute, a copy of that letter has also been sent to the court

 

I guess its a waiting game now to see what happens

 

IND told us yesterday that the last payment was 2010 but we don't think thats correct

 

Many thanks

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Better to amend it than lose the fee.....If IND state the last payment was 2010...what date was the claim issued...what date was the judgment passed.

 

What if you do get the information and it is in fact statute barred ...another £255 ?

We could do with some help from you.

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Go ring welcome finance and ask last payment date

Don't believe IND....

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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CCJ was September 2013

 

I understand what you are saying regarding the fee but as we don't actually know the correct last payment we cant put a made up date on the form and sign it as true, surely that would be inviting trouble if it turns out not to be SB

 

In reality if it does turn out to be SB and the CCJ was wrong then we would be able to confidently pay the fee again knowing 100% that we would get it back as IND would be in the wrong. If its not then we will have to pay the debt and deal with the CCJ in whichever way is suitable (I am presuming there is some sort of marker put on it to say debt satisfied)

 

Believe me the thought of losing this money is sickening but Im trying to look on the positive (hard as it is)

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Go ring welcome finance and ask last payment date

Don't believe IND....

 

I will get hime to ring when he gets home, I cant do it as its not my debt

 

Will this effect the CCA letter situation

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Nope it's nothing to do with welcome they sold it on

Can't he do it now?

They'll be closed by the time he gets in?

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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Cant ring from work unfortunately

 

Hopefully he will get an early dart and get home in time to call them, he hasn't got any account numbers though so hopefully they can trace him

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CCJ issued 2013...judgment or claim form?

 

There is a way of wording 10 that is none comital " to best of your knowledge or you understand.....or it is your belief...etc etc "

 

In the meantime ask the court again for a copy of the claim form...you require the particulars and the date of issue (Important because the date of issue will have bearing on the Statute Barred position.....the judgment can be many months after the issue.....so does not help in the calculation.)

 

Either Northampton or your local county must have the N1.

 

On the flip side if its not statute barred and you do legally owe the money ..paying it off will mark your file as satisfied or settled but will remain on your file until its 6th anniversary..xxx 2018

 

Once a judgment has been granted the judgment claimant is not compelled to respond to a CCA request....its at their discretion.

 

Additionally stating the debt is in dispute with IND will not necessarily stop the TPDO hearing of April...only the set a side would guarantee this....to which there is none at the moment unless the court progress the application irrespective of asking it to be retracted.

 

So lots to think about and do before making your next decision..

 

 

Andy

We could do with some help from you.

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I think we need to step back and have a think about this

 

I think amending this is now a dead duck as they have replied to the earlier e mail and confirmed that it has now been retracted (my brain is hurting with all this )

 

We also e mailed and wrote to them asking how will we know if its been cancelled and if we hear nothing does he have to attend, (still awaiting their reply)

 

this bit is worrying me now "Once a judgment has been granted the judgment claimant is not compelled to respond to a CCA Requesticon....its at their discretion"

 

They said yesterday that the account is now in dispute, is this not the case and again how will be know

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I think we need to step back and have a think about this

 

I think amending this is now a dead duck as they have replied to the earlier e mail and confirmed that it has now been retracted (my brain is hurting with all this )

 

Whats retracted ? The Application ?

We also e mailed and wrote to them asking how will we know if its been cancelled and if we hear nothing does he have to attend, (still awaiting their reply)

 

The hearing for TPDO ?

 

 

this bit is worrying me now "Once a judgment has been granted the judgment claimant is not compelled to respond to a CCA Requesticon....its at their discretion"

 

They said yesterday that the account is now in dispute, is this not the case and again how will be know

 

Dont believe anything the claimant states...only the court.The court must confirm the hearing has been vacated

We could do with some help from you.

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Whats retracted ? The Application ? - Yes

 

The hearing for TPDO ? - Yes

 

So if IND contact the court to vacate the TPDO hearing due to the account being in dispute (or is it as if its at their discretion) how will we know, will the court notify us

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Yes the court will notify if the hearing has been vacated......or you can ring and check?

 

Any refund for the application ?

We could do with some help from you.

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Well technically speaking I suppose you could argue that the fee for an application is a hearing fee also...its not fair.

We could do with some help from you.

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Not fair at all

 

There is more sad news as the last payment according to Welcome was in 2009 which means its not SB

 

I suppose we. will have to consider offering a settlement amount and chalk it all up to experience

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You could pay them on the drip and make application to pay monthly.......but its another fee only £50 this time (N245)

We could do with some help from you.

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Thanks Andy some thinking to be done and its his decision to make

 

If he decides to go down the settlement route what would be a realistic offer to make do you think

 

Sorry to have wasted yours and dx100s time on this. Its been a leaning curve with an expensive glitch of our own making but hopefully this thread and its great information and advice will help someone else going forward.

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How much is the judgment for ?

We could do with some help from you.

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get an sar running to welcome there will undoubtedly be all manner of insurance and PPI that can poss be reclaimed

this will reduce or even kill the debt

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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£4,100 including the costs

 

Start at 1500 rising to 2K see what response you get.....although they dont need to accept any settlement..they have a judgment and also a threat of a TPDO.

 

Just so you are aware they will have possibly bought your debt for less than 15p in the £ so say circa £600 :-(

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

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Now wouldn't that be nice dx100uk

 

I will get that sorted and hopefully all will not be lost (I will be claiming half of what he gets back for my fee) :-)

 

Thanks for all your help

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Start at 1500 rising to 2K see what response you get.....although they dont need to accept any settlement..they have a judgment and also a threat of a TPDO.

 

Just so you are aware they will have possibly bought your debt for less than 15p in the £ so say £600 :-(

 

Thanks Andy, the TPDO states an account that hasn't been used for years and years, one would think their greed would prefer an amount upfront and not risk a monthly payment that could drag on for years

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get an sar running to welcome there will undoubtedly be all manner of insurance and PPI that can poss be reclaimed

this will reduce or even kill the debt

 

SAR prepared, signed, previous address added and copy of Council Tax bill attached to prove current address

 

Will post tomorrow

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