Jump to content


  • Tweets

  • Posts

    • 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  
  • Our picks

    • 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
        • Like

Capquest threatening bailiff


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6291 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I recieved a letter from capquest regarding a £1023.81 debt from HFC bank.

 

The letter states

 

" Once the litigation process has been instigated and a judgement has been granted,we will enforce the judgement with a Warrant of Execution. A Court Enforcement Officer will be assigned immediately to attend your address as endorsed on the warrant".

 

I rang them this morning and told them I dispute the debt and will write to them today to request CCA and DOA.

 

The guy on the phone said, too late mate we're taking you to court and sending the bailiff in.

 

Can anyone tell me what happens now ? will I have to attend court or will the bailiff just turn up at my house ( which is in my partners name, as are all the items in it ) and demand access.

 

Thanks in advance.

Link to post
Share on other sites

Hi armbar, send the CCA recorded or special delivery today and don't speak to them on the phone. Any communication with them should be in writing and keep a copy of your correspondance to them. You will probably get a letter back stating the account is on 28 days hold, they will also ask you to supply them with any details/proof of any payments that have been made. My personal opinion on this is that they should have this particularly if they have bought the debt so why get you to do their work for them. With regard to court and bailiff my understanding is that they have to file the papers into court, you will receive paperwork from the court for your defence. If you lost the case and the court produced an order for the bailiff only then anmd not before could they turn up on your doorstep. If what I have said is not correct I'm sure that someone with more extensive knowledge than me will be able to correct it. There are lots of very helpful and friendly people on this site and I hope I have been able to help in some way. Don't panic.:p

  • Haha 1
Link to post
Share on other sites

Morning matey, the chap above is right, dont panic!

 

The reason you shouldn't speak to them on the phone is because these companies tend to make empty bold threats like

 

"too late mate we're sending the bailiffs in.."

 

Which contradicts

 

"Once the litigation process has been instigated and a judgement has been granted,we will enforce the judgement with a Warrant of Execution. A Court Enforcement Officer will be assigned immediately to attend your address as endorsed on the warrant".

 

In future, I'd advise against verbally pre-warning DCA'S of a CCA request because of the time period in which they must act.

 

Use the search function and look up Capquest, you will learn quite a bit.

 

N.B The keyword function won't bring up CAG's nicknames for this company!

Link to post
Share on other sites

yep go with that.

just ignore them.

they are a DCA, they have NO POWERS at all.

just human telephone chasers.

 

i'd be inclined to fire of an harrassment letter if it does continue.

 

see the links in my sig below.

 

dx100uk;)

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... 

Link to post
Share on other sites

Thanks for the quick reply :)

 

According to the guy from capquest, they had a payment from me in 2004 so this will prove the debt is mine regardless of whether they can produce a CCA or not.

Link to post
Share on other sites

According to the guy from capquest, they had a payment from me in 2004 so this will prove the debt is mine regardless of whether they can produce a CCA or not.

Nope, that just proves you gave them some money three years ago.

 

My dad gave me £50 for my birthday, doesn't mean he owes me anything else :);)

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

Link to post
Share on other sites

Hi Armbar,

The payment they received from you in 2004 does not prove the debt is yours by default.

What that proves is that under duress and threatening tactics from them you paid them this money to leave your premises as you were frightened.

 

 

This is only my own take on the matter.

 

Mikey

 

If you find this useful please click on my scales thanks

  • Haha 1

Keep claiming the right

 

Mikey

 

If you find that I have helped in anyway please click on the scales to left of the screen- Thank you

 

Advice & opinions of Scouser9 are offered informally, without any assumption of liability. Use your own judgment. Seek advice of a qualified and insured professional if you have any doubts.

 

 

50% Of claim offered by The Halifax 09/12/2006

LBA letter sent 11/12/2006

Refusal in part of Payment sent 12/12/2006

Halifax settled with £4200 agreed amount 27/12/2006

Survey Submitted and Donation Made 02/01/2007

PPI Claim Sent To Halifax 25/11/2008

PPI Claim Halifax Won 31/12/2008

PPI Claim Sent To Carcraft 22/12/2008

Link to post
Share on other sites

Armbar

 

This is a disgraceful thing to say - but par for the course for a DCA.

 

I agree with the posters above - you don't need to worry yet. Remember that even if they take you to court they cannot just 'send the bailiff in'. They must issue proceedings, after acknowledging receipt you get 28 days to prepare an explanation as to why you believe the claim is wrong, it can then go to a hearing before the district Judge and then, and only then, can they ask for the bailiff and only if they get judgment. Even if they do you can ask the court for time to pay (£x a month) and if court says 'es' to that it is legally binding - no bailiff.

 

And of course if they do not comply with your cca request you can ask the court to strike out any claim.

Link to post
Share on other sites

Armbar

 

This is a disgraceful thing to say - but par for the course for a DCA.

 

I agree with the posters above - you don't need to worry yet. Remember that even if they take you to court they cannot just 'send the bailiff in'. They must issue proceedings, after acknowledging receipt you get 28 days to prepare an explanation as to why you believe the claim is wrong, it can then go to a hearing before the district Judge and then, and only then, can they ask for the bailiff and only if they get judgment. Even if they do you can ask the court for time to pay (£x a month) and if court says 'es' to that it is legally binding - no bailiff.

 

And of course if they do not comply with your cca request you can ask the court to strike out any claim.

 

Almost absolutely correct.

At any hearing if the court issues judgement then you can make an offer to pay on what you can afford - only when you default on thes arrangements can they seek further enforcement. No court will make you pay more than you can afford.

After issuing proceedings you have 14 days to acknowlege and state your intention to defend and then a further 14 days to submit defence - so 28 days from date claim deemed issued.

ANd as stated above if they cannot produce the agreement then they have no case anyhow.

Have they already issued proceedings are just threatening.

Re the last payment - all this proves is that you paid 3 years ago and cannot claim that the debt is statute barred.

Let us know how you get on and any problems just shout - we are here to help.

And most of all don't worry.

Consumer Health Forums - where you can discuss any health or relationship matters.

Link to post
Share on other sites

Just want to say I really appreciate all of you taking to time to offer advice.

 

It's weird how the mention of Court action & bailiffs can cause real worry but i suppose these people thrive on it.

 

Another quick point, the letter was dated 06 March and said i had untill 08 March to pay up or go to Court !!! i only got the letter on the 8th-pm, how's that for unreasonable ?

Link to post
Share on other sites

It's weird how the mention of Court action & bailiffs can cause real worry but i suppose these people thrive on it.

 

Its a tactic designed to scare you.

 

Another quick point, the letter was dated 06 March and said i had untill 08 March to pay up or go to Court !!! i only got the letter on the 8th-pm, how's that for unreasonable ?

 

Another ploy to rush you into doing something rash

Link to post
Share on other sites

  • 2 weeks later...

im in exactly the same position. i requested a cca from capquest on Jan 10th. they have not sent one and keep threaten the bailiffs.

as far as im concerned they can go swing cos i aint paying them a penny without the cca.

Link to post
Share on other sites

Hi All,

I have been reading all of the posts on here and another site dedicated to challenging these low life.

One tactic that does appear to be being used by Capquest is to cut and paste your account details onto creditors headed notepaper.So far i have seen several examples from Capital one,where the document has been forged as if it was sent from the creditor itself.

The OfT has obviously been informed on all occasions but as yet has done nothing.

One individual has started legal proceedings against Capquest after recieving such a document, they sent a letter to the creditor asking for confirmation that they had sent the lettter,after confirming that they had not, it was clear that something more sinister was afoot.

Best advice is CHECK CHECK CHECK then check it again.... if it looks in the slightest bit dodgy then check it out with the creditor direct.They really do not like it when another company uses their image/brand in such an underhand way.

 

Hope this helps.

Consumer Action Group, the forum for all of us.:)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...