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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.
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    • 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 
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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
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Buchanan Clark + Wells - Urgent Help Needed


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It is up to BCW/Thames to prove you owe this "debt", not that you don't.

I'd ignore this completely and see what response, if any, you get from BCW/Thames.

 

You are in a position of power and they know it ;)

 

Remember GPB's previous letter saying:

Please note, we are instructed NOT to enter into correspondence with you

Well take them at their word.

You have made your position very clear.

 

Get all you documentation together and get a report for Trading Standrads sorted out.

I have found TS extremely helpful and a joy to work with.

Also worth sorting out DPA breech for ICO.

  • Haha 1

Be VERY careful whose advice you listen too

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  • 2 weeks later...

Hi Everyone :grin:

 

I'VE DONE IT!!!!! :grin:

Thanks to rory, tomterm8 and curlyben

 

Today I received this letter for my hubby from BCW

 

FINAL RESPONSE

 

I write with regard to the recent communication received concerning the aforementioned matter.

 

I can confirm we have undertaken substantiative investigations into your claims and have concluded that your complaint has been upheld. The reasons for this are detailed below;

 

Your complaint comprised of the following point(s):

 

1. You request that your file be completely deleted from our records as it is Statute Barred under the Limitations Act.

 

I can confirm that your file has been expunged from our records.

Accordingly, there will be no further contact with you.:grin:

 

It then gives me details of their complaints procedure, together with details of the FOS should I wish to take it any further.

 

WOW, it sure feels good, I'm buzzing now.

 

But all the credit for this must go to rory, tomterm8 and curlyben, you are all amazing and I cannot thank you enough.

 

Speedy :-)

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Thanks BB

 

I'm sure it will and although I know nothing about the law etc, you can't go far wrong with these guys helping you out. They really are brilliant.

Good luck and I'm always here for support if you need it.

 

Speedy :-)

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Sorry for being thick but how will I know and what do I do.

 

To get copies of your credit reports you need to get in touch with Experian and Equifax. A copy of your credit report will cost £2.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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I've received 2 letters this morning.

 

1 from GPB the snotty solicitors saying they do not hold any data relating to this issue and they are instructed to take no further action cos the accounts closed. :grin:

 

The 2nd from Thames Credit, all they have sent is a compliment slip saying they are unable to locate this matter anywhere on their system and asking for current and previous address, original agreement number and their reference number. They have sent back the copy of the letter that I sent to the solicitors!!!

 

I find this really strange because in the solicitors letter from GPB they have stated that BCW are the debt recovery agents for Thames Credit and they also confirm that both they AND Thames Credit have closed the account.

 

Whats going on, it doesn't make sense.

 

Thanks

Speedy :-)

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I've received 2 letters this morning.

 

1 from GPB the snotty solicitors saying they do not hold any data relating to this issue and they are instructed to take no further action cos the accounts closed. :grin:

 

The 2nd from Thames Credit, all they have sent is a compliment slip saying they are unable to locate this matter anywhere on their system and asking for current and previous address, original agreement number and their reference number. They have sent back the copy of the letter that I sent to the solicitors!!!

 

I find this really strange because in the solicitors letter from GPB they have stated that BCW are the debt recovery agents for Thames Credit and they also confirm that both they AND Thames Credit have closed the account.

 

Whats going on, it doesn't make sense.

 

Thanks

Speedy :-)

 

Presumably, they've given up and returned-to-creditor.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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  • 1 year later...

Hi, Help, I'm really in need of some advice (Sorry for size of post, just really need some good advice)

 

I was living in a shared flat for 3 years with various housemates and we were registered to Scottish Power. I never put the bill in my name but every month all 4 people there would receive a bill (different names and addresses on front) but then it would say service supplied to: me in small letters 9they said this was because only 1 person would be a lead name)

When we left the place at start of October I phoned up and cancelled the bill. However, when I still hadn't received a bill for 2 weeks I phoned again only to be told I was still registered, so the final bill was not even sent until mid/end Oct. I thought it would be about £150 for 2 months. Scottish Power told me that they had underestimated the bill for 3 years and there was another £700 owed...

I'm not in contact with any of the other tenants any more, I had no money to pay nearly £900. But I spoke to someone at S.P last Monday she told me if I paid a quarter of the bill, my name would be taken off the bill. I said I'd pay a quarter share of the bill on Friday when I was paid and she agreed. But on Friday morning, I had a phonecall from Buchanan, Clarke and Wells threatening me saying debt had been passed over on Thursday night at 5.30pm and now they wanted £900 plus admin cost of £140. I told them I couldn't pay but was threatened by a lad there who said that unless I payed £350 by 5pm I was going to have bad credit, and never be able to get a phone/mortgage etc.. for next 6 years.

I got some legal advice and they said this was illegal bullying methods, but I've now got a Final Letter (yesterday) saying a Debt Recovery Officer will be sent out.... I phoned them and a horrible lady there said that the original person from BC&W was wrong to say that (about 5pm) but that was just bad training. She also said she had full access to S.P's records and I am the only person ever mentioned on bills, which I know for 100% fact is complete lies... I have in front of me now 2 Final Bills from S.Pwith the names of 2 of my previous flatmates on.. I know S.P know there were other people there, but BC&W say that has nothing to do with them, they only have my name on anything (which I know is lies) Woman also said that unless I pay £335.70 by end December (which I can't as I have no money, and am sleeping on friends sofa at the moment) I'll have the bad credit file issued and am back in original situation.

I have documents proving there were other people living with me, the conversation and name of woman at Scottish Power who told me last Monday I could pay a quarter of bill and have my name taken off (which other woman at BC&W said is not legally binding so I shouldn't have believed her... what could I do) and I have a tenancy agreement from previous letting agency with names of people who lived there over 3 years....But BC&W say it's all in my name and I'm lieing about living there with other people... So what can I do? HELP!!!!!!!! (And sorry again for huge post, I'm just really panicking) Matt x

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Matt, I'm not one of the experts in here at all but I have had dealings with BCW. They are a nasty set of people who say whatever they feel like, so don't take any of it too seriously. Do NOT talk to them on the phone, tell them in writing only in the meantime and someone who knows their stuff will come and help you shortly. I would also start a new thread of your own with the above info so that you are getting answers to your quries, without them being uddled with others. And really, don't worry. I have been threatened with so many visiting debt investigation officers by BCW I could count them to get to sleep at night. I have yet to meet one though.

[sIGPIC][/sIGPIC]

 

Sabrina xx

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mattymc you really need to start your own thread on your situation to get the appropriate help and advice.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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  • 5 months later...

Hi, I wonder if anyone can help, I had a letter fronm BCW this morning chasing me for £4905.08 from a very old debt. I have checked my credit report which has no mention of this debt on it any longer. If I send the statute barred letter to BCW am I acknowledging the debt and basically shooting myself in the foot.

 

The letter read:

 

Despite repeated requets for payment for your overdue debt, int he sunm of £4905.08 with our clients Robinson Way & Company Limited remains outstanding. Accordingly documents can now be prepared for the issue of a claim against you in your local county court.

 

ONCE JUDGEMENT OR DECREE HAS BEEN GRANTED THE FOLLOWING CAN TAKE PLACE:

 

  • Your debt being increased to include legal costs and interest

  • Your name being entered in the public records of your local court

  • Your credit worthiness being adversly affected gor future credit or mortgage applications

IF THERE IS CONTINUING NON-PAYMENT THEREAFTER:

  • An application is made to your employer for an attachment of earnings

  • An officer of the court can/may be instructed to seize your assets

To avoid actions being taken, payment must be made immediately. You can contact our 24 hour payment line on 0871 700 1515 to make payment by credit or debit card. Payment is also accepted online at
www.paybcwonline.com
. Alternately, and withour predjudice to our clients position, we would be prepared to dispose of this matter by way of monthly instalments in the sum of £100, provided we receive the attached direct debit mandate by 28/05/09

 

I am unsure what to do. for a start the letter was forwarded to me by my old landlord and BCW does not have an up to date address on file for me. The debt does not appear on my Experian credit report obtained only a 7 weeks ago.

 

Any helpt would be very much appreciated.

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  • 4 months later...

Hi All,

 

I have also received a letter from BCW regarding a very very old debt and am unsure what to do. Do I simply ignore it, or do I contact them (which I doubt).........it's over 8 years old!:confused:

 

I guess these predators have bought themselves a whole load of bad debt that they feel they can recover - and will try anything in the vain hope that some people are un sure of their rights - like me!

 

any help would be appreciated.

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Hi Ya :)

 

If you start your own thread you will get loads of help :) Its only because this one is so old notmany people will look at it anymore.

 

If its over 8 years old and you have not acknowledged it send the the statute barred letter from the templates section.

 

DONT CALL THEM ! Do everything in writing x

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If you haven't made a payment or written acknowledgement for over 6 years then the account is statute barred unless it's a debt under seal such as a mortgage.

 

What is the account and who was the original creditor?

 

BCW do specialise in SB'd debt ;)

 

Might be a good idea to start your own thread as this one is old and you'll get the right advice on that.

 

Good luck and best wishes,

 

BB

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Sorry, I didnt look at the date! :-)

 

So how do they specialise in SB'd debt, are you saying this is already SB'd? Should I just ignore it??

 

I'd rather not go into details who money is owed to originally - I'm sure they can look in here! I was gob smacked after so long to have had this letter, what are the chances of them sending the heavies round after so long??

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But they dont even have the right address for me, I have moved so many times I had this passed on from 2 address's ago! So I dont really wanna send them anything until they get my address correct, which for obvious reasons I'm not gonna let them have voluntarily! :D

 

Are they likely to be relentless in their pursuit? Should I wait till/if they find me then send the SB letter??

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