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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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paying Egg debts through Credit Solutions


Scouse Paul
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I have been paying off some debts I have with Egg through Credit Solutions Limited on a monthly basis my payments are made through my debit card but I had to cancel my debit card and get a new one issued becuase the card had become damaged and the cash points would not take it.

 

Unfortunately due to the old card becoming inactive i missed my payment for febuary and before I got the chance to phone them to let them know what had happened I was constantly getting phone calls from them while I was at work even though they were always told i was at work they kept phoning each hour every hour, I finally managed to get hold of them last friday and gave them my new card details and I thought that would be the end of it all.

 

But low and behold I got a letter today that says,

 

NOTICE OF HOME VISIT.

You have failed to settle the above account or submit satisfactory proposals for settlement (isnt that what paying it off monthly means)

Accordingly, we are advising you that faliure to contact us by 23-02-2007 will result in the following action without further warning or notice.

 

YOUR ACCOUNT MAYBE REFERRED TO OUR DOORSTOP COLLECTIONS AGENTS WHO WILL VISIT YOUR HOME TO COLLECT THE DEBT IN PERSON.

 

I got the letter even though I had spoken to them on friday and the letter was dated for friday.

 

Is there any roads i can go down about getting that sort of letter from them, I have already threatened them with legal action in the courts through the harrassment

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Scousepaul, I don't know how to do a link but I had a similar situation and if you check back on my posting entitled moorcroft threat... you will see a response to my post from priorityone and laiste.Check it out,there is a letter on there to send to the dca regarding visits to your home. hope this helps.

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  • 3 weeks later...

Before I get started I am not disputing the debt, it started out as what seemed like a good idea at the time etc etc.

 

Anyway

 

Just got off the Phone to Credit Solutions Ltd who are the people collecting the debts on behalf of EGG.

 

I have an agreement with Credit Solutions to pay X amount each month on a rolling 3 month review basis (which I dont agree with), As my current payment arrangement is now under review I got the standard phone call from them asking for payment to be increased, (I am currently paying off 2 loans of £5000 and £2000 and a credit card of £2000,cant remember what the balances are off hand)

 

Told them that I am paying what I can afford at this moment in time which is £35 per month per account, They told me that this amount is unacceptable and got into the usual argument about what I say they can and can't do and what they say they can and can't do.

 

They have requested that I send them a break down of my incomings and out goings and copies of my pay slips to prove that I am paying what I say I can afford.

 

Just need advice on what I should do next, should I send them what they want or should I request a copy of the CCA for all the accounts?

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Hi Paul,

the first thing I would do is CCA them, they have 12 days to comply (+2 for postal delivery). You may find that they dont have any agreements for either account, they will probably have to request these from Egg. Also I would S.A.R. Egg to find out just how much of the debt is made up of charges, you can then legally claim them back which in turn would reduce the debt you actually owe.

Hope this helps.

  • Haha 3

Friendship costs nothing but its rewards can be priceless. Do not judge, as you will not be judged but if you can, try and assist where possible.:smile:

everyone is entitled to MY opinion!:D

I offer my comments without prejudice or liability.

If you found my advice helpful, please click the scales at the top.

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Hello, I would send the CCA request then after 12 working days you can oficially stop paying them, till then pay your normal payment. If they come back to you with the agreements then send in your incomings and outgoings sheet.

  • Haha 2

Saxon

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If it was me I would make three separate CCA requests for each account so yeah a £1 per account.

 

Also make sure you send your requests recorded delivery so you know that they have arrived safely.

  • Haha 1

Completed:

Woolwich: Received £30

Intelligent Finance: Received £1100 after two years and approximately 20 letters, 6 pieces of hair and an eyeball.

Barclaycard: Received £90

HFC: Received £170

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lol at the scales :D

  • Haha 1

Completed:

Woolwich: Received £30

Intelligent Finance: Received £1100 after two years and approximately 20 letters, 6 pieces of hair and an eyeball.

Barclaycard: Received £90

HFC: Received £170

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lol at the scales :D

 

Yay! I agree with the "LOL", but, why shouldn't we all (essentially)

congratulate each other?

 

3 months ago I would have hidden in my bedroom if a DCA called demanding this, that and anything else.....! But now we can take them on, on their terms and come out ahead! And it seems that we're winning!!!

 

So yeah we all congratulate each other! Isn't this how this site works...???!

I've clicked everyones scales in this thread!

 

Regards, Dave.

  • Haha 2
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lol, I laughed out loud cos I click on your's and then you said click on the scales :)

Completed:

Woolwich: Received £30

Intelligent Finance: Received £1100 after two years and approximately 20 letters, 6 pieces of hair and an eyeball.

Barclaycard: Received £90

HFC: Received £170

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