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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.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Thanks
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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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Moorcroft chasing Thames Water debt.


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then you don't pay Moorcroft -

you pay TW

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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moved to the utils forum and thread title amended

Edited by Andyorch
and thread title amended

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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dx I can't, thames water do not own the debt anymore and refuse to recall it, its a minimal amount, I just want it settled, but the Moorcroft website isn't working, if I pay the amount to TW it will just show as a credit on my ongoing account and Moorcroft will continue to chase the bit they have as debt.

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Moorcroft do not buy debts

Who is their stated client.

 

You've been here 5yrs now you should know better..

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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dx frankly ive had enough of you, ive seen countless posts where all you do is slate the OP who is asking for help, if you don't want to be here or have nothing constructive to say then just don't bother, you are upsetting a lot of people.

 

The stated client is TW and I have been on the phone to them for hours and online chat for hours and TW say I have to deal with Moorcroft and the debt will not be recalled, I can't physically make TW do anything, I just want to pay the bloody thing, but even then, the Moorcroft website isn't working for some unbeknown reason.

 

 

Thank you for your constructiveness flock

 

p.s I have a payment plan with TW but this amount was transferred to Moorcroft before I set it up and TW say it can't and won't be recalled and I have to deal with Moorcroft.

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its not been sent anywhere or sold to anyone.

 

Moorcroft do not buy debts.

 

is this an old bill not 28-2019 the current one you are currently paying say by DD?

so has a differing account number to the above.

and you know those details ??

 

the help you are asking for is resolving an issue by paying a powerless dca that does not even OWN the debt.

there is no legal remit to pay or even deal with them.

 

if everyone stopped blindly paying DCA's tomorrow the whole industry would collapse over night.

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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Tezza - Simply put DX is right... You can still pay the OC direct in this case and I would using the details i have you :)

You dont have to pay Moorshaft anything :)

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dx frankly ive had enough of you, ive seen countless posts where all you do is slate the OP who is asking for help, if you don't want to be here or have nothing constructive to say then just don't bother, you are upsetting a lot of people.

 

The stated client is TW and I have been on the phone to them for hours and online chat for hours and TW say I have to deal with Moorcroft and the debt will not be recalled, I can't physically make TW do anything, I just want to pay the bloody thing, but even then, the Moorcroft website isn't working for some unbeknown reason.

 

 

Thank you for your constructiveness flock

 

p.s I have a payment plan with TW but this amount was transferred to Moorcroft before I set it up and TW say it can't and won't be recalled and I have to deal with Moorcroft.

 

While you may not like DX's advice or his abruptness, he is correct. TW just cant be bothered with the admin work. You simply ignore moorcroft completely, and pay TW via online portal or payslip, into their account, use your reference number then inform them of it. They may not like it or agree to it, but they certainly cannot stop you, or do anything about it. No company is allowed to refuse payment towards an outstanding debt that they own as by doing so they would be putting you into an unfair and worse situation. No matter what they say

 

Basically doing this, you get to ignore moorcroft and you FORCE TW to accept your payments.

 

It's the result you want, and you dont have to deal with a bottom of the barrel DCA.

 

https://www.thameswater.co.uk/my-account/billing-and-payment/paying-your-bill/pay-by-debit-or-credit-card

 

Go there, pay the bill or what you can afford and have a good laugh at them for being so stubborn and stupid.

 

Use any letters moorcroft send as toilet paper or firelighters.

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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Moorcroft are used by many companies as an extension to the original creditors accounts department. It is a pretty basic service they offer.

 

Agree with others here, if you want to settle the debt or have issues about the debt, it is TW you would deal with.

 

Nothing stopping you paying a credit from your Bank to TW. As long as you quote your correct customer reference number, the payment will go to the correct account.

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the client is TW, even Morecrap admit that so just send them a cheque for the amount and if they refuse it they have waved goodbye to the right to enforce the debt by any other means. Look up the term mitigation as applied to debts. I think you will find that they can be bothered after that.

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