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 
        • 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

Telephone harassment - an action plan


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3364 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

  • Replies 384
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi Charley,

 

I picked up this thread somewhere towards the middle, so maybe I have missed something but I thought you required the DCA's bank details in order to proceed with the Garnishee Order?

 

If you have the details already, then forget my comment :-)

 

fletchy

Link to post
Share on other sites

Hi Fletchy Yes Yr Right , Sorry , My Fault ,

I Have Just Telephoned Northampton And They Are Sending The File To Birmingham Courts So I Can Indeed Do A Garnishee , Northampton Siad Bec I Put Pay Imedi On My N225 I Can Do The Order As Soon As It Gets To Their Local Court , Not Sure Of The Cost Though As Yet , I Shall Call Them Tom , As Off To Work Shortly , But Result So Far ,

Link to post
Share on other sites

the file has been transferred to their local court , birmingham .

i called them to find out the costs for a garnishee or third party order costs £100 as does a warrant . next move ?

 

either will hurt them!!

 

have you waited for a month so that the CCJ stays on their file for 6 years??

if you go too early they will pay up and the ccj will vanish

Link to post
Share on other sites

Hello Dicky Asked Them That , And Their Reply Was Because I Put Pay Imediately On The N225 Requesting Judgement Form , I Could Do Straight Away , Or In The Future , Sent Them Another Letter Because They Sent Me One With An Apology And Saying That They Would Fight Any Court Case , (which Was A Bit Late Really , As I Knew By Then I Had Got Judgement , Shows You That These Companies Are So Big Or Stupid That They Dont Know Whats Going On, ) My Letter Which Said That They Owe A Further £90.00 As Well As The Original Court Amount , And That They Are To Late Judgement Had Gone Against Them Quoteing The Case Number And Simply Saying If They Do Not Wish Any Further Action To Pay , And To Not Write To Me At All Not Even A Reply To This Letter Only A Cheque , Or They Will Incure More Letters From Me And More Ccj S .

In Other Words Bug Off , Leave Me Alone Or I Will Bite Back !:)

Link to post
Share on other sites

it's about time our good-for-nothing government stopped harrassing the ordinary citizen and gave these rogue debt collectors a taste of their own medicine. Looks like the good guys are just an easy target. Why don't this government do something useful at last. All this money spend on this agency and that commission - what does it achieve? - nothing, except jobs for their cronies. Seems to me the government is scared of these debt collectors and their legal sharp boys.

Link to post
Share on other sites

Hello Dicky Asked Them That , And Their Reply Was Because I Put Pay Imediately On The N225 Requesting Judgement Form , I Could Do Straight Away , Or In The Future , Sent Them Another Letter Because They Sent Me One With An Apology And Saying That They Would Fight Any Court Case , (which Was A Bit Late Really , As I Knew By Then I Had Got Judgement , Shows You That These Companies Are So Big Or Stupid That They Dont Know Whats Going On, ) My Letter Which Said That They Owe A Further £90.00 As Well As The Original Court Amount , And That They Are To Late Judgement Had Gone Against Them Quoteing The Case Number And Simply Saying If They Do Not Wish Any Further Action To Pay , And To Not Write To Me At All Not Even A Reply To This Letter Only A Cheque , Or They Will Incure More Letters From Me And More Ccj S .

In Other Words Bug Off , Leave Me Alone Or I Will Bite Back !:)

 

yes, i understand you got a forthwith order

 

the court system makes allowances for people to dispute debts so that if they lose- and pay up within 28 days of the judgement- then no record of the judgement is placed on the register which people can see for 6 years

 

if you force them to pay before the 28 days are up then no one will ever see on their record that they have a ccj

 

it is not for you to remind them of that

 

if you wait for 28 days THEN take enforcement action as they have not coughed up then that ccj will remain of THEIR credit file for 6 years

Link to post
Share on other sites

if you force them to pay before the 28 days are up then no one will ever see on their record that they have a ccj

 

Doubt this will make any difference to them. Quite a few banks have CCJs, but do you ever check this before entrusting them with your money? The system is biased... :-(

 

 

Link to post
Share on other sites

Doubt this will make any difference to them. Quite a few banks have CCJs, but do you ever check this before entrusting them with your money? The system is biased... :-(

 

 

dead right the system is biased. wasted of space council officials and public servants don't do a thing to curb these debt collecting rogues

Link to post
Share on other sites

I propose new legislation requiring all financial institutions to display a health warning on their advertising 'as of today we have n CCJs filed against us'... :-)

 

i agree - but you won't get it with this government, they are too busy looking after their banker and financial institute friends - its that craven cowardess that got the county into a mess. this lot don't care a s*d for the little folk

Link to post
Share on other sites

yes, i understand you got a forthwith order

 

the court system makes allowances for people to dispute debts so that if they lose- and pay up within 28 days of the judgement- then no record of the judgement is placed on the register which people can see for 6 years

 

if you force them to pay before the 28 days are up then no one will ever see on their record that they have a ccj

 

it is not for you to remind them of that

 

if you wait for 28 days THEN take enforcement action as they have not coughed up then that ccj will remain of THEIR credit file for 6 years

HI D D AND FRED YES SEE WHAT YOUR SAYING , WILL LEAVE ANY WAY BECAUSE THEY SAID AT THE COURT THAT THEY WOULD POST OF SOME ENFORCEMENT LEAFLETS FOR ME , SO MAY AS WELL WAIT THE 28 DAYS THEN GO AHEAD , GIVE THEM WHAT THEY GIVE , MEDICINE IN THE FORM OF A CCJ :)

Link to post
Share on other sites

HI D D AND FRED YES SEE WHAT YOUR SAYING , WILL LEAVE ANY WAY BECAUSE THEY SAID AT THE COURT THAT THEY WOULD POST OF SOME ENFORCEMENT LEAFLETS FOR ME , SO MAY AS WELL WAIT THE 28 DAYS THEN GO AHEAD , GIVE THEM WHAT THEY GIVE , MEDICINE IN THE FORM OF A CCJ :)

 

good luck and keep fighting, admire your spirit and determination

 

i worry because there might be many old and infirm folk out there who are being harrassed by these rogues - but what do the authorities care? as long as they get their tax paid pensions

Link to post
Share on other sites

good luck and keep fighting, admire your spirit and determination

 

i worry because there might be many old and infirm folk out there who are being harrassed by these rogues - but what do the authorities care? as long as they get their tax paid pensions

THANKYOU ,

I KNOW 2 WRONGS DONT MAKE A RIGHT, BUT DOING UNTO A DCA AS THEY DO TO YOU IS :)

Link to post
Share on other sites

  • 3 weeks later...

Latest Update

Just Received Yest A Application From Birm Court For Metro Collection To Have The Case Set Aside On The Grounds That They Can Defend And They Did Not Have Enough Time Etc Dg Solicitors

Excuse Me But This Lot Are Surpossed To Be Professionals

I M The Novice

Any Way Sent My Two Penneth Via E Mail After Tel The Court

Hearing At 2 Pm Today So We Shall See

Link to post
Share on other sites

The law, as has been said, is 'an ass' and is there to protect the wealthy and big business. Somewhere along the line the law stopped consulting the common sense of that mythical man on top of the Clapham Omnibus.

 

Good luck. It's about time our spiv MPs started to look after the ordinary people

Link to post
Share on other sites

Latest Update

Just Received Yest A Application From Birm Court For Metro Collection To Have The Case Set Aside On The Grounds That They Can Defend And They Did Not Have Enough Time Etc Dg Solicitors

 

That somehow seems a bit crooked to me. Would a debtor realistically be able to do the same thing?

Link to post
Share on other sites

That somehow seems a bit crooked to me. Would a debtor realistically be able to do the same thing?

HI SHINOBI

YES IT ALL SEEMS SUS

IT BEING MCS LOCAL COURT , DG SOLICITORS NOT SURE OF THAT ONE IF BASED THERE OR NOT

THE CLAIM ONCE I RECEIVED THE APPLICATION NOTES FROM THE COURT , CLAIM S DATED 21ST OF JAN BY DG SOL THE COURT CLAIMED THEY POSTED AT THE BEGINING OF FEB

RECEIVING IT YES WITH A CLEARLY MARKED BIRMINGHAM POST MARK WITH THE DATE OF 8 - 2 - 10

WORK THAT ONE OUT WITHOUT BEING SUSPICIOUS

ANY WAY I DID SCAN IT AND E MAILED THIS TOO AS WELL AS ALL THE OTHER INFO AS WELL AS STATEING I AM BUT A NOVICE AND I MANAGED TO CALL NORTHAMPTON SEVERAL TIMES ABOUT VARIOUS THINGS EACH TIME MAKING IT MY BUSINESS ASKING IF THEY HAD HERD FROM MCS OR THEIR SOLI , ONLY ONCE DID THEY CALL THEM.

AND NOW IT SEEMS THEY CLAIM THEY COULD OF DEFENDED AND HAD NO TIME TO I GUESS WE SHOULD ALL ALLOW SOLICITORS MORE TIME AS IF :cool:

I CALLED TO SEE WHAT HAPPENED , BUT THEY DID NOT HAVE THE PAPERWORK BACK FROM THE JUDGES ROOM AND EXPECT THEM BACK TOM SO I WILL CALL AND SEE FRIDAY FOR THE RESULT.AS IF I DONT KNOW ALREADY BUT HEY YOU NEVER KNOW

Edited by charley2212
Link to post
Share on other sites

Charley can u stop posting in capitals. It is very rude.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

  • 1 month later...

I'm actually on the reverse of this kind of action. 1st post so please bare with me).

My new partner has been owed apx £200k (amounts of £100k in 2007-to present sum). This was lent to a man she met through work & following instructions from her boss, & was given in good faith to help him secure custodial right to his daughter.

Since that time he has slowly siphoned off her life savings,(for his business dealings & personal life) using guile & subtle threats along with stories of his & his family's links to the "Security Services" & his powerful contacts, (he was a succesful journalist), he is a huge drug user, has a full range of dodgy contacts & is adept at using the police whenever he feels a need. All while making no attempt to settle this debt.

My partner is now facing considerable financial difficulties & has finally 'fessed' to the embarrasment of falling victim & finally asked for my help.

She has recently been sacked from her PA job to a middle eastern family, due to the contact & conduct of this man & is at present going through the process of an employment tribunal, (another tale).

To keep this short. I am no wall-flower, am ex military & have worked in the security industry for almost 20 years. I have refrained from my natural instincts & airing on the side of caution, attempted to arrange a meeting with this man to facilitate some form of repayment plan.

This was in the form of a text message to ask if he would meet, how he intended to repay & when he could start.

His reply was a tirade of offensive, rude texts & calls to both my partner & myself, including false accusations of threats to him & his property along with warnings to us both of his contacts & consequences of our continued attempt to pursue this.

To the point.......

After I had attempted to call him yesterday, (about a meeting) first on his mobile..no answer , then on his alternative 'dealers' mobile....no answer, I called his apartment (exclusive address in central London), he answered & hung up. I called back, (assuming my bad signal), I greeted him, he hung up. This happened 3 more times until he finally spoke & I asked for a possible meeting to discuss this issue. I was then subject to 10 mins of his threats & insults (water off a duck..) until he finally stated he would get me sorted out & I didn't want to mess with him or his MI6 friends & hung up. I left it at that & headed to my sons birthday dinner in the midlands.

My partner called me around 11pm to state 2 uniformed police officers had called at her house to speak to me accussing me of harassment. As I was still in the midlands they left. 07.50 this morning 3 officers called to ask me to sign a document in relation to his accusations. I asked them if they were here to investigate the matter they said NO, they were here to speak to me. When I asked to see the complaint they said they didn't have the details other than I had continuously called him, threatening him & his partner by saying I was outside his apartment with "2 darkies & a crowbar". The officers had not interviewed him or seen the evidence but assumed it must be true...

What are my legal rights with this? He can simply make up another encounter & I'll be arrested.

Link to post
Share on other sites

mm are you sure your;e not a debt collector?(LOL)

 

seriously, the only way forward in this is for your partner to make a complaint against this man for fraud

 

if the money was obtained as you say by deception then it is a police matter to start with

 

a conviction will then make a civil claim much more feasible

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...