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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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CCA and time limit


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Bubbles,

 

Let me go back to your first post.

 

I think you are letting the various DCAs and the Credit Card company confuse and deceive you.

 

As I said before I am in exact same situation and I am doing what I describe below.

 

Let me spell it out in clear terms:

 

This is not conjecture this is fact.

 

They have an uneforceable agreement because they cannot produce the agreement. I assume that you have that in writing from them. Make sure you do not lose it.

They cannot take you to court without the agreement, if they tried they would fail. You are within your rights to not pay any money until they could produce a fully executed agreement - dont worry about the detail for now. Furthermore, because they had no basis to enforce the alleged agreement, then they have no basis to share your data with ANYONE nor default you on this alleged agreement.

 

It has taken me 8 months to get the DCA and creditor to understand they have defaulted but now they finally have agreed to walk away wiping out £6k of debt.

 

Here is my letter - USE IT - don't take any more bulls##t

 

Send it to the DCA and the Credit Card company and send it recorded to both:

 

Account number: xxxxxxx

 

 

I refer to my letter dated xxxxxxx in which I made a formal request under the Consumer credit act 1974 sec 77-79 for a true copy of the regulated credit agreement refered to in the above account number. There is no time limitation as you allege and you are reminded that you are obliged to supply these under sec.189 whether you are the original creditor or not.

To date you have failed to comply with my statutory request and have defaulted in respect of this account. This means that under the CCA you have now committed an offence punishable upon conviction, by a fine of £2,500 or 3 months imprisonment. It is my intention to report this breach and request your prosecution.

 

Additionally this alleged agreement is unenforceable until such time as this default is removed or enforced by a court of law. It is a further offence to attempt to enforce this alleged agreement until such time as the default is removed.

 

Consequently I am ceasing all payments with respect to this alleged agreement until such time as this matter is resolved.

Finally, since you are unable to provide me with a fully executed agreement then you have an obligation to remove all default notices you have placed with credit agencies and other parties which relate to this alleged agreement.

 

 

 

You have 7 days to comply with my request before I procede with litigation against you,

 

 

 

 

 

Hello Zubo,

 

Thank you for a very informative (and comforting) post. I am hoping to be able to steal your letter myself (although not counting chickens just yet). May I ask which Bank/DCA you had this particular battle with?

 

Many thanks.

 

Cornucopia

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Confused by DCA as to who I should request CCA from as have requested from original creditor Citi but they havent complied but the DCA(DLC) say they aquired debt and I should be requesting from them, as far as I know they are only managing debt and do not own the debt.Need some advice please .Have now requested SAR for agreement from Citi to clarify this matter of who owns debt,who should I be requesting CCA from as now confused but thought it was clear that the creditor had to comply.

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Hello Zubo,

 

Thank you for a very informative (and comforting) post. I am hoping to be able to steal your letter myself (although not counting chickens just yet). May I ask which Bank/DCA you had this particular battle with?

 

Many thanks.

 

Cornucopia

 

Cornucopia

 

Feel free to do so - it proved succesful enough for 20 days later the DCA or Solicitor to recieve instruction to write off £6k debt. D G Solicitors - it was 3 loans, about 10+ years old with originally Forward Trust..

 

thanks

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Cornucopia

 

Feel free to do so - it proved succesful enough for 20 days later the DCA or Solicitor to recieve instruction to write off £6k debt. D G Solicitors - it was 3 loans, about 10+ years old with originally Forward Trust..

 

thanks

 

I hope you don't mind Zubo, but I am going to PM you!

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Confused by DCA as to who I should request CCA from as have requested from original creditor Citi but they havent complied but the DCA(DLC) say they aquired debt and I should be requesting from them, as far as I know they are only managing debt and do not own the debt.Need some advice please .Have now requested S.A.R - (Subject Access Request) for agreement from Citi to clarify this matter of who owns debt,who should I be requesting CCA from as now confused but thought it was clear that the creditor had to comply.

 

Sorry M got waylaid,

 

I always issue the CCA request (recorded) to both DCA and the original creditor adding a footnote that regardless of who the Creditor is, you are entitled to a copy of the fully executed agreement within the specfied timescales and remind them that the act specifies consequences of failing to supply within those timescales.

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  • 2 weeks later...

Thanks Zubo

Have got a reply from Hillisden that if they cannot forward the original agreement they will supply a true copy of the document which will comply with section 78 of th C.C.A 1974.I will let you know what they send:)

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Thanks Zubo

Have got a reply from Hillisden that if they cannot forward the original agreement they will supply a true copy of the document which will comply with section 78 of th C.C.A 1974.I will let you know what they send:)

 

that would be interesting - the Act specifically covers the fact that a reconstructed agreement is not enough....

 

now let us see how they intend to wriggle out of this one... also watch the time - let me know how it progresses

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they'll probably send a photocopy of the application form, which is what they sent me and said they had now complied with my CCA s.78 request.

 

i replied back that this is not so but they haven't answered as yet, many weeks have gone by.

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they'll probably send a photocopy of the application form, which is what they sent me and said they had now complied with my CCA s.78 request.

 

i replied back that this is not so but they haven't answered as yet, many weeks have gone by.

 

yes me too, we all seem to be in a who-will-blink-first scenario. Amex even wrote to me saying that they were sending me a copy of my Application... all helpful evidence.

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they'll probably send a photocopy of the application form, which is what they sent me and said they had now complied with my CCA s.78 request.

 

i replied back that this is not so but they haven't answered as yet, many weeks have gone by.

 

I too got a copy of my husband's application form (MBNA) after issuing a CCA request and get this, it also has his former wife's job, salary, bank account details etc, as an additional cardholder. Hmmm, illegal data sharing I think! Naughty MBNA!!:rolleyes:

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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  • 2 weeks later...
  • 4 weeks later...

Hi Zubo

Nothing from Hillisden past all dates required for CCA, received a letter in reply from Citi stating that hilleden should hold copy of agreement, but do Citi have to send me a copy of my alleged agreement as requested from my SAR even though they have assigned my alleged debt over as they have taken charges on this and I want to claim back ,I also will be sending incomplete data form if they need to produce :confused: . Will look in resources for suitable letter for Hillesden and will now commence a SAR for agreement from them.Is this correct.

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Hi Also missed out the bit where the Citi letter states .We have enclosed a copy of the information provided from your application .Please note that the Data Protection Act 1998 does not require a data controller to provie an actual copy of the document requested , only the 'information constituting any personal data of which that individual is the data subject', (Section 7(1) © (ii) ).

Anyone ?:confused:

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Hi Also missed out the bit where the Citi letter states .We have enclosed a copy of the information provided from your application .Please note that the Data Protection Act 1998 does not require a data controller to provie an actual copy of the document requested , only the 'information constituting any personal data of which that individual is the data subject', (Section 7(1) © (ii) ).

Anyone ?:confused:

 

Sorry, bit busy, they are misleading you and incorrectly quoting the Data Protection Act - your reference should be against the Consumer Credit Act 1974.

 

Remind me what you sent - should be the CCA letter AND the SAR letter.

What is the account - loan or credit card? when did you take it out?

 

thanks

 

Z

 

ps be aware I am on hols 18-25April

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Hi Also missed out the bit where the Citi letter states .We have enclosed a copy of the information provided from your application .Please note that the Data Protection Act 1998 does not require a data controller to provie an actual copy of the document requested , only the 'information constituting any personal data of which that individual is the data subject', (Section 7(1) © (ii) ).

Anyone ?:confused:

 

I would have said that was rubbish Willows. It does have to be a true copy of the executed agreement that was taken out on inception, be signed by both parties and include all the prescribed terms.

 

I wonder if they are confusing themselves, the quote regarding "information constituting blah blah....." would seem to me to refer to an SAR and any personal data held in that regard.

 

Somebody correct me if they think I am wrong about this!

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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I would have said that was rubbish Willows. It does have to be a true copy of the executed agreement that was taken out on inception, be signed by both parties and include all the prescribed terms.

 

I wonder if they are confusing themselves, the quote regarding "information constituting blah blah....." would seem to me to refer to an SAR and any personal data held in that regard.

 

Somebody correct me if they think I am wrong about this!

 

no Corn you are correct, that is why my previous post tried to work out what letters were sent.

 

Z

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Hi Z and C

I sent Citi a SAR in Feb 2007 for the agreement , but they haven't sent an agreement as they quoted to me a section 7 as posted before they only resent statements , .I did also send them a CCA back in Nov and understand now that Hillisden have to comply to the CCA as they were assigned but they haven't complied to my CCA so have sent them a non compliance letter today. My main question is do they have to send me a copy of my agreement witha SAR as requested as they have confused me with quoting they don't in Section 7 of the DPA.

Thanks for all your patience with me

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Hi Z and C

I sent Citi a SAR in Feb 2007 for the agreement , but they haven't sent an agreement as they quoted to me a section 7 as posted before they only resent statements , .I did also send them a CCA back in Nov and understand now that Hillisden have to comply to the CCA as they were assigned but they haven't complied to my CCA so have sent them a non compliance letter today. My main question is do they have to send me a copy of my agreement witha SAR as requested as they have confused me with quoting they don't in Section 7 of the DPA.

Thanks for all your patience with me

 

The short answer is yes they should provided you worded it correctly. You will find that any DCA or Creditor will wriggle given the choice.

 

You should REALLY use the CCA to obtain the agreement and seperately use a SAR to get the financials and any related documented info. Read my strategy here:

http://www.consumeractiongroup.co.uk/forum/general-debt/57839-newman-debt-collection-agents-3.html

#49

 

Then I suggest that you send in a CCA request again with £1 recorded to Hillisden. The standard letter N i think is in the templates.

 

Z

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Don't know if this is of any help or interest, but have read in a different thread that DCAs (not being the original lender) do not have to comply with a CCA, resp. do NOT have to send a copy of the true signed agreement

I refer to this thread

http://www.consumeractiongroup.co.uk/forum/general-debt/43409-link-financial-cca-request.html?highlight=Link

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Don't know if this is of any help or interest, but have read in a different thread that DCAs (not being the original lender) do not have to comply with a CCA, resp. do NOT have to send a copy of the true signed agreement

I refer to this thread

http://www.consumeractiongroup.co.uk/forum/general-debt/43409-link-financial-cca-request.html?highlight=Link

 

There is confusion usually re a DCA. IF he has been assigned the debt then yes he is obliged to respond, if he is acting for his client then you could argue that he should send the request to the client.

 

What I tend to do is CCA the original Creditor and copy the DCA.

Its messy but better than nothing or the Creditor saying he never got the request....

 

z

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Hi Nicole (like your angry face )

 

My alleged debt has been assigned and confirmed by both parties so I am now quite confident I should be chasing the DCA for the agreement and they haven't complied, have sent them a non compliance letter today from resources ,

Thanks for your help:)

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Hi Nicole (like your angry face )

 

My alleged debt has been assigned and confirmed by both parties so I am now quite confident I should be chasing the DCA for the agreement and they haven't complied, have sent them a non compliance letter today from resources ,

Thanks for your help:)

 

exactly right - use Pams last one

 

z

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