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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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      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.  

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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
        • Like

Link offering 50% settlement


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Hello all - my first post, and Id really appreciate a little advice.

 

I had a letter from Link offering 50% off my 3 accounts with them as partial settlement.

The accounts would then be closed with no further monies owed.

The debts are over 6 years old so not on file.

 

I have been in discussion with them about closing the accounts for a while.

Im not working due to health issues, and payments have been frozen for about 2 months.

My partner has offered to pay from her savings.

 

I offered 65% but they came back with the 50%.

 

Its not a huge difference but its still alot to us.

It would be so good to get rid them off my back, but now Im wondering if I should just hold fire and stick to my original offer.

Any thoughts much appreciated.

Edited by dx100uk
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who says you owe anything at all.

have you sent them a CCA request for each one?

if they are debts regulated by the consumer credit act?

 

hope you are not talking to these fleecers on the phone too..?

 

what are the debts?

when did you take them out?

who was the original creditor?

 

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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Thanks for getting back so quickly 🙂

 

The debts are 4700 to barclaycard, and 2k to Co-op loans.

 

I have been taking to them on the phone, yes

- I really wasn’t aware that was not a good thing to do 😳

 

The debts are quite old,

taken out originally 8-10 years ago,

and defaulted about 3 years ago.

 

I last paid link around 2 months ago,

I was paying a very minimal amount.

 

I have no idea if they were regulated debts with the consumer credit act I’m afraid.

 

Maxine x

Edited by dx100uk
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well stay off the phone

never talk to a fleecing DCA

they ARE NOT BAILIFFS

and have

ZERO LEGAL POWERS.

 

send a CCA request for each debt.

 

shame they blindly had you paying till recent and running the Statute barred clock to infinity .

they could have been resolved years ago.

 

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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Share on other sites

Look at it as being brainwashed by someone.

You've only had input from a DCA

They will say anything on the phone to get you to pay

As i bet you never recorded the calls did you?

So the questionable one sided information is all you believe

The original creditors sold your debts on for about 15p=£1

 

As yourself this question...

Why didnt Barclaycard or the co-op take me to court and crush me?

Urm..possibly because they no longer have the signed agreement?

 

So ..

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

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

No, I didnt record calls, had no idea that was recommended...this is all totally new to me..

 

I have looked into the CCA request

- am I right thinking if they cant supply the original agreement then its null and void?

 

I guess my worry is if they DO have the original agreement, they will take back the 50% offer?

 

Im a bit too fragile to cope with drawn out legal threats and wranglings :|

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Look on the bright side.

If they had the original agreements themselves they would not be offering you such large reductions .

 

Erm if they could produce them all which is highly unlikely, included among the figures would be inflated charges and probably their dodgy PPI fees that can all be reclaimed.

That's even before you get on to asking for any reduction for a quick settlement.

 

And bear in mind that even if you they accept your payment as full and final there is nothing to stop them passing on the remainder of the debt to another dubious debt collector.

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safe to say with Link , if they hold anything..

and To be honest, very few Barclaycard CCA's are ever enforceable anyway.

 

lets see but don't get caught out on believing anything told to you over the phone..they LIE..sorry but that's the most honest truth.

 

get the CCA requests running

drop all phone comms now

if they ring again.

state writing only put the phone down

ignore security questions ..don't engage them anymore.

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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Just to back this up, Link are rubbish. I ignored them for 10 yrs, nothing happened and my debt is long since statute barred, and gone from my Credit File. All I have is a pile of threat o grams from way back that I shall soon be feeding to my bonfire.

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 OTHERS

 

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

 

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

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Be aware that link are the biggest fleecers going. They will say and do anything to try and get money on a lemon debt, and from your replies, youre walking right into their trap.

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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  • 2 weeks later...
On ‎2‎/‎19‎/‎2019 at 12:38 PM, dx100uk said:

I found these articles too about Link Financial- ugh what a horrible piece of vermin. He's chasing my deceased father for debt he may/may not have had from 2006.

 

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