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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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      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.
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      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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RMA - Barclaycard Advice needed


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Hi there,just wondering if anyone has had any dealings with RMA collection agency.

My Barclaycard debt of £4520 was handed over to them late in 2005 to collect.Over the past year and a bit i have been paying £75/£100 every months having cleared £1625 so far of the debt.I have had RMA texing,writing letters,phonecalls every week saying the debt must be cleared.Every week somebody will give me a different settlement figure.

 

I have never received any statements from RMA whatsoever and have just found out that for every £100 i have been paying they have been taking £32 of it themselves instead of the full £100 reducing my debt.Legally can they do this? I have never been told that they will be adding charges.Barclaycard have said that the account was sold to RMA.RMA are claiming that the account is owned by Barclaycard after i queried the extra charges.

 

I have written to Barclaycard for a list of the charges to reclaim which i shall do in the normal way as others have done so on this site.

 

Can anyone give me any advice on how i can stop RMA from the threat of somebody calling round,one guy in particular is quite threatening.I have started recording phonecalls.

 

Should i just continue with the monthly payments.I have seen a couple of posts where people have written to the collection agencies to say that the account is in dispute with the bank.

 

Many Thanks in advance for your help.

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Hi there,just wondering if anyone has had any dealings with RMA collection agency.

My Barclaycard debt of £4520 was handed over to them late in 2005 to collect.Over the past year and a bit i have been paying £75/£100 every months having cleared £1625 so far of the debt.I have had RMA texing,writing letters,phonecalls every week saying the debt must be cleared.Every week somebody will give me a different settlement figure.

 

I have never received any statements from RMA whatsoever and have just found out that for every £100 i have been paying they have been taking £32 of it themselves instead of the full £100 reducing my debt.Legally can they do this? I have never been told that they will be adding charges.Barclaycard have said that the account was sold to RMA.RMA are claiming that the account is owned by Barclaycard after i queried the extra charges.

 

I have written to Barclaycard for a list of the charges to reclaim which i shall do in the normal way as others have done so on this site.

 

Can anyone give me any advice on how i can stop RMA from the threat of somebody calling round,one guy in particular is quite threatening.I have started recording phonecalls.

 

Should i just continue with the monthly payments.I have seen a couple of posts where people have written to the collection agencies to say that the account is in dispute with the bank.

 

Many Thanks in advance for your help.

 

Send them this immediately (send recorded and dont forget the £1.00 Postal order) : If they haven't complied after 12 working days of receiving this request, you can legally stop paying them until they produce the Original Agrement..If they haven't produced it a further month later then they've commited a criminal offence and the debt becomes unenforceable..Be careful what they send you though, come back here and report to us what they've sent you...Anyway, here's the letter you need to send:

 

Your Ref: xxxxxxxxxxxx

To Whom It May Concern

I do not acknowledge ANY debt to your company.

 

I require you to supply the following documentation before I will correspond further on this matter.

 

1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) - your obligation also extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee.

 

2. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists.

 

3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974.

 

Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities.

 

As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued.

 

Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested.

 

 

Yours Faithfully

Just hate every DCA out there

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Agreed, send the letter in the Previous Post.

 

I would also write to Barclays regarding the Debt Collection Agency charging off £32 per month.

 

I beleive that they are not allowed to do this if there is nothing about this in your original agreement. I could be incorrect but based on my findings I beleive it is correct.

 

I managed to get charges back from a Debt Collection Agency Barclaycard used by stating this.

 

I sent the letter below:

 

 

Dear Sir or Madam

 

 

I am writing with regards to a Credit Card debt which you are currently collecting from me. This debt was passed to a collection agency named Credit Security Limited back in January 2003. Credit Security made charges to a debt I was desperately trying to pay. I feel that these charges are unjust and are disproportionate to the debt in question.

 

Having reivewed my Original Credit Agreement, I can find no clause that would state should I default on the Agreement, a Debt Collection Agency would apply additional charges on a month by month basis.

 

 

I received letters demanding I paid this debt which is contradictory when the payments I was making were not affecting the balance. It is with this in mind that I ask for you to review the charges made and remove these forthwith.

 

My main concern is that I was already charged by Barclays, late payment fees, over limit fee, interest and any other fees that you applied to my account. I know you want me to pay this debt off, but when at the time you were applying charges, you made it very difficult for me to clear the balance.

 

 

Should you be able to refund the unnecessary charges by this collection agency, then it would be beneficial for all if this amount was taken from the balance I owe you.

 

 

I hope that you can help me with this matter and anticipate your response.

 

 

Thank you in advance for your cooperation.

 

 

Yours faithfully

 

 

 

 

 

 

 

 

Poochball

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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Many thanks for your help on this.It's unbeleivable when people are trying to pay off debts companies just want to load them with more charges.

The first line in your letter "i do not acknowledge ANY debt to your company" Am i able to put this as i have been paying on a monthly basis for the last year ? Also one other thing should i continue making a monthly payment until i receive the information from them.I am also going to ask them for a statement showing payments i have made as i haven't been keep track.

Thanks again.

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Many thanks for your help on this.It's unbeleivable when people are trying to pay off debts companies just want to load them with more charges.

The first line in your letter "i do not acknowledge ANY debt to your company" Am i able to put this as i have been paying on a monthly basis for the last year ? Also one other thing should i continue making a monthly payment until i receive the information from them.I am also going to ask them for a statement showing payments i have made as i haven't been keep track.

 

Thanks again.

 

Yes i is alright...You're asking them to prove that they have the right to collect an alleged debt from you- they could be anybody. If they've got the proof giving them the right, then so be it...They are in 'default' 12 working says after they've received your request...The people 'in the know' on here would advice you to pay until they've defaulted, although I didn't when I was in similar situation...That part is up to you :)

Just hate every DCA out there

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  • 1 month later...

Hi all,just to update.I sent off the following letter on the 26th March to RMA which Pmhcfc forwarded to me,thanks.All i have had in return is 2 phonecalls from RMA on my answer phone asking me to contact them urgently.I have not returned the calls as before was advised best to deal by letter.Also as yet had no reply from Barclaycard as to who exactly is adding on these extra charges.Although having received statements from Barclaycard it looks like they are but are denying it.

 

What should my next move be? Is there a set time when RMA should have sent the info to me.

 

Your Ref: xxxxxxxxxxxx

 

 

To Whom It May Concern

 

I do not acknowledge ANY debt to your company.

 

I require you to supply the following documentation before I will correspond further on this matter.

 

1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) - your obligation also extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee.

 

2. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists.

 

3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974.

 

Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities.

 

As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued.

 

Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested.

Thanks for your help,much appreciated

 

 

 

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