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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.

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      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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Black Horse PPI and Debt Management Plan


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Hi,

I've got a few questions. I took a loan out with Black Horse in April 2004 and they lumped £1400 PPI onto the loan plus interest at 31.9%. I've just read on another website that the Ombudsman won't look into any claims from before Jan 2005, is this correct?

The other problem is that in 2005 I took out a debt management plan who now make payments to Black Horse and I'm not sure what interest has been applied to the PPI as obviously the duration of the loan has now changed.

I've sent a template letter to Black Horse asking them to cancel any outstanding PPI and saying that I require a list of their calculations but I know I'll have to fight. Is it a lost cause though as it dates back to 2004??

Please help

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A week gone and nothing from Black Horse surprisingly. I have been looking through my figures though and the original £1400 is still on there even though the account is now being handled by payplan. Should they have deducted this once the account defaulted to a debt management plan?

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To be honest I didn't send a SAR as I already had the original contract with figures on it. Just that things got a bit messy when it went to payplan. Will probably have to go down that route though if I haven't heard anything by the end of the week

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  • 3 weeks later...

Just received a reply from Black horse claiming they did nothing wrong as they say they gave me a leaflet explaining PPI when I took out the loan. To be honest I can't remember if they did or didn't. They also go on to say that I had 30 days to cancel the PPI and as I didn't then they refuse to cancel it now!!

Any advice welcome please..

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I will keep at them. I'm still waiting for my statements, I sent them a SAR about 3 weeks ago so I'll get onto it properly as soon as I have all the correct figures worked out.

Just wanted to check if they can say they gave me a leaflet and that's all they needed to do?

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To be honest a leaflet is not a good enough answer.you should have been given details of PPI- insurance certificate applicable to your loan.

When you get all your paperwork back you'll be able to work it all out hopefully.:D Any probs post on here-good luck!!!!! shirl

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Interesting reading Loukim. Am I right in thinking they should have automatically removed the PPI when the account defaulted to Payplan as any cover is null and void?

I really coundn't answer that question but if i was you ask hellhasnofury as she is very helpfull

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  • 3 weeks later...
  • 2 weeks later...
  • 5 weeks later...

Well well, statements finally arrived today with copies of every letter, screenshots etc etc.

Black Horse are still adding interest on the account which is nearly as much as Paypaln are sending them so the loan will never go away.

They've also added £290 in 'collection activity charges' which I'll be claiming back.

The PPI was £1044, which was applied at the start of the loan with an APR of 30.9%. Do I just put that figure in a spreadsheet in a lump sum or does it decrease monthly with my payments?

Any help welcome please.

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Well well, statements finally arrived today with copies of every letter, screenshots etc etc.

Black Horse are still adding interest on the account which is nearly as much as Paypaln are sending them so the loan will never go away.

They've also added £290 in 'collection activity charges' which I'll be claiming back.

The PPI was £1044, which was applied at the start of the loan with an APR of 30.9%. Do I just put that figure in a spreadsheet in a lump sum or does it decrease monthly with my payments?

Any help welcome please.

 

Hello Honestknob,

 

See you off to a good start with them. I am in a similiar position to yourself. Loan taken out in 2001 and with a dpm with payplan. The ppi was still running for 12months after i was making reduced payments, so I would write to them and request confirmation that it has been cancelled. If it has not been cancelled, they may refund any outstanding amounts of ppi and interest off the balance owed, therefore reducing the balance. You would confirmation of the amounts.

 

Have they sent you a copy of the original agreement yet. Did you send them a request under the cca???? Have they sent you the t&c of the loan and under what contractual right can they put on "collection activity charges". and also ask them for a breakdown of it.

 

Do you know how much interest the applied to the ppi????? you need to know this to get the interest back as well.

 

Personally I would put the lump sum on a spreadsheet and work out the first figures at their contractual rate of 30.9% from the date the loan started and that is what I would be asking for first. Then work it out at the statutory 8% that the court would allow.

 

Keep at them and question everthing.

 

Good luck and keep us posted:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hi Hell,

I did write to them and ask them to cancel the PPI a couple of months ago. After the 3rd letter they wrote back and said I would receive confirmation it had been cancelled but I'm still waiting and there's nothing on the statements they sent me yesterday.

I do have the credit agreement from them, it's dated 20/4/04. PPI £1044.12, Interest rate per month 30.9%, Monthly PPI repayments £38.82.

 

I've just put that in a spreadsheet as a lump sum and it's come up with interest of £1028, does that sound right??

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Hi Hell,

I did write to them and ask them to cancel the PPI a couple of months ago. After the 3rd letter they wrote back and said I would receive confirmation it had been cancelled but I'm still waiting and there's nothing on the statements they sent me yesterday.

I do have the credit agreement from them, it's dated 20/4/04. PPI £1044.12, Interest rate per month 30.9%, Monthly PPI repayments £38.82.

 

I've just put that in a spreadsheet as a lump sum and it's come up with interest of £1028, does that sound right??

 

Hello HK,

 

How long did the term of the loan run for years or months?????

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hello HK

 

If they charged you £38+ per month X 42 months the total comes to £1,639.44, take away the ppi prem and you have been charged £586.32 in interest. So the total you have been charged for the ppi is £1,639.44:-x

 

I have very quickly put these figures on the spreadsheet with interest at 8% (allowed by the court) from the date of the loan and it comes to an extra £487.79, plus the ppi is £2,118.23.

 

At 30.9% (31 on the spreadsheet)needs tweaking. The interest from the date of the loan is £1,884.10. So bring the total of the claim to £3,514.15

 

This is just an insight into the figures, but they will probably change if and when they cancel the ppi and refund the difference into the loan account and should reduce it.

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Oh my gawd, that's some figure!!!!!!

Wouldn't I be claiming interest twice there? The monthly repayment of £38.82 allowed for their 30.9% APR and they do show interest of £586 over 42 month on the credit agreement, giving a total of £1630 for PPI + interest.

Sorry to be a pest, I just want to make sure I get this right

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You have to think of their interest and your interest as two seperate things.

 

To explain it simply, if they levy an unlawful charge of £100, and then add £30 interest to it - effectively you have paid them £130 for the breach. Therefore you are entitled to the recovery of £130 plus 8% interest.

 

 

 

 

 

 

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I've just been looking through the credit agreements they've sent me and I've noticed the dates are different on them. On the customer copy it's dated 20/4/04 which I believe is the date I actually signed. On the Black Horse Copy it's dated 1/6/04 which was actually the date they took out the 1st payment. Would this make a difference to anything??

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Also, the agreement already has all the PPI information filled in on it next to the loan information with just one box to sign for everything. I was never given an option to decline the PPI which I would have done as I had cover at work.

 

Hello Hk,

 

I am unsure that the dates will make any different, Your date may be the date you signed and their date is the date is when the agreement was executed.

 

Is there anyway that you could post up a copy of the agreement on the thread, ommiting your personal details, for others to check it.

 

I am sure that they are not allowed to apply the ppi and interest in the total charge for credit.

 

Any other comments appreciated.:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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