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    • Please can you avoid posting solid blocks of text. It is difficult for people to read especially when they are using a small screen such as a telephone. Well spaced and punctuated please. I hear what you say about the evidence – but do you have copies of it? And if so can we see it please. That's the point. We want to know what you have. As long as you have the evidence in your possession then you have some kind of control
    • 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
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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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Balliffs will not accept my offer of payment


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Hello my nameis Miss W,

 

Please can you give me some advice I am a disabled Univeristy student studing full time. I owe £2,639 for council tax for previous years which has gone to the baliff B&S. I have been in contact with B&S and I have discussed my situation with them. They have advised me that I have 6 months to clear this debt and I must pay £434 per month.

 

I am not currently working as I study full time and I am currently completing an 80 day placement for which I do not get paid. I have asked B&S to take my circumstances into consideration but they say I must pay £434 per month but this amount is very high and I cannot pay this amount every month. I am really worried and distressed as I have signed a walking possession.

 

Please can you give me any advice

 

Miss W

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i would say to ring them again and ask them to send you a means test. thats says everything you have coming in and everything you have going out. as far as i know unless the bailiffs are court appointed (working for council tax ect) they cannot just take your things and must apply to the courts first so you will have your chance to explain to a judge if needs be your circumstances.

personally i would just tell tehm you will see

them in court

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I am worried as I think they may break into my property as I have already signed a walking possession. Thanks for you advice I will ring them tommorow and ask for a means test form

 

Miss W

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HI Miss W.

If you post your problem in the BAILIFF forum here

http://www.consumeractiongroup.co.uk/forum/bailiffs/

you will get much better advice.

Good luck.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Guest ChloeJane

Hi,

 

If your a student you would get student allowance yes?

 

If so, you may well find this link useful.

 

The Council Tax Benefit (General) Regulations 1992

 

You may find the outstanding debt is that you have been overcharged or paid council tax when you did not have to.

 

If you read the link, post back if you have further questions.

 

When did you sign the walk in posession agreement???

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Hi,

 

I am receipt of council tax benefit now as I am a full time student. The outstanding debt arose before I was a student. I signed the walking possession in October as i thought I could arrange to make a resonable offer of payment. Unfortunatley the amount B&S require per month is not realistic for me.

 

Miss W

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Guest ChloeJane

As a full time student they should deduct a small amount from your allowance. I am not sure who pays student allowance, but if it is Social Security they will arrange to have it taken out as a small sum each week.

 

I do apologise as for students I am not totally offay with entitlements. If you are getting any form of Government Allowance though, payments can be taken from benefits and allowances and can be arranged so students would come under the same banner.

 

Phone through to the Job Centre or where your allowance is paid and explain the situation. I am sure it can be done this way. Especially, as a disabled student. I have another link for you.

 

The Council Tax Benefit (General) Regulations 1992

 

This is legislation about Social Security and Council Tax. I hope it helps.

 

CJ

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When is the councfil tax for? - What years?

 

Would you be entitled to a discount on your council tax due to your disability?

 

Have you spoken to the Council and asked if they could take back the debt due to your disability and that you are vulnerable?

 

I am out today but will check back this afternoon

 

SFx

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i would say to ring them again and ask them to send you a means test. thats says everything you have coming in and everything you have going out. as far as i know unless the bailiffs are court appointed (working for council tax ect) they cannot just take your things and must apply to the courts first so you will have your chance to explain to a judge if needs be your circumstances.

personally i would just tell tehm you will see

them in court

 

Without wishing to seem critical this is terrible advice. The bailiffs have been appointed to recover council tax following the issue of a liability order. They have attended and levied distress - but have allowed the op to sign a walking possession agreement. Therefore they have entered the property peacefully (we assume) and thus have a right of entry to remove goods if payment is not forthcoming.

 

There are circumstancs which the council may consider - but do not ring the bailiff suggesting "see you in court". They have no need to go back to court to remove goods.

 

RM

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Hi everyone,

 

Thanks for all you advice but unfortunatley I had to pay the baliffs £750 cash to stop them from removing my goods which I had to borrow from my family.:( They had called a locksmith to break into my house and remove my goods if I didnt pay them.

I did contact B&S and ask for a means test from but all the staff i spoke to were rude and unhelpful:-| I did explain my cicumstances disabled university student but they did not care.

 

I am seeking more advice because the council are charging me for council tax since being a full time student even though I was given full exemption. My daughter who is over 18 lived with me she was pregnant and on income support they say I am not fully exempted from pay council tax because a second adult was living with me. They say I owe £672.75 for 2005-2006

 

Miss W

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