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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.
      • 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 
      • 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
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Cheekiness towards a DCA


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Thanks, The Godmother for that info. Not Davros that's the one with his eyes shut and has one eye on his forhead. I mean the other one that looks like a blob of skin to put it politly with one eye on the side and speaks with a highish insane type vioce. lol

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Thanks, The Godmother for that info. Not Davros that's the one with his eyes shut and has one eye on his forhead. I mean the other one that looks like a blob of skin to put it politly with one eye on the side and speaks with a highish insane type vioce. lol
Sounds like quite a lot of the DCA Threat Monkeys

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I confused a DCA monkey the other day - he told me he couldn't give me his surname 'due to data protection'... I politely asked which part of the data protection act was being used for this - he said 'I will ask my supervisor..' which he did and came back and said 'Sorry, its not data protection, its company policy.'

 

The best one though was the one I posted earlier about the guy who promised to send complete statements and evidence of what I had purchased and then a letter turned up three weeks later saying 'passed to OC with no further action recommended'. He seemed so convinced he could get me to pay up.

 

DCA baiting should be come a national sport!

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I confused a DCA monkey the other day - he told me he couldn't give me his surname 'due to data protection'... I politely asked which part of the data protection act was being used for this - he said 'I will ask my supervisor..' which he did and came back and said 'Sorry, its not data protection, its company policy.'

 

 

You know why that is dont you???

 

Its so hacked off 'customers' cant find them and threaten them.

 

Thats the truth! (I got told that where I used to work, even now i dont give people on the phone my surname if they ask, even though the likelihood is very small of anything happening.):lol:

THE PRETENDER AGENDA - August 30,2008 - 2ND ROW!!! WOO-HOO!! :-)

THANK YOU SO MUCH FOR A FAB NITE LEE! xx

Sunderland 011008 - THE BEST BIRTHDAY PRESSIE EVER! 'Aww, it's your birthday! Happy birthday darlin!'

 

02 Apr 2008, 23:55

OfficialLeeRyan wrote:

i like that!! its simple and good and gets the fans involved aswell x x x

 

MY SUCCESSES -

 

1st Credit (Lloyds TSB) admitted no CCA, reply from OFT 130608, reply from FOS 040608, adjudication stage rejected but still no contact....

 

My mate (Littlewoods/Moorcroft)

300608 -Long running battle,threatening court, CCA letter NO 2 and harrassment letter sent - passed back to Littlewoods early July.

070808 - Passed to Debt Managers, Acct in dispute/BOG OFF letter sent 080808...

140808 - Letter from Debt Managers passing debt back to Littlewoods - RESULT! :D

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You know why that is dont you???

 

Its so hacked off 'customers' cant find them and threaten them.

 

You could always ring up and ask for Steve as you want to pay him some money. When 'Steve' comes on the phone say '' You are not the Steve I spoke to yesterday. I have my debit card details available but he told me just to give them to him'':lol:

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Thats a good idea :-)

THE PRETENDER AGENDA - August 30,2008 - 2ND ROW!!! WOO-HOO!! :-)

THANK YOU SO MUCH FOR A FAB NITE LEE! xx

Sunderland 011008 - THE BEST BIRTHDAY PRESSIE EVER! 'Aww, it's your birthday! Happy birthday darlin!'

 

02 Apr 2008, 23:55

OfficialLeeRyan wrote:

i like that!! its simple and good and gets the fans involved aswell x x x

 

MY SUCCESSES -

 

1st Credit (Lloyds TSB) admitted no CCA, reply from OFT 130608, reply from FOS 040608, adjudication stage rejected but still no contact....

 

My mate (Littlewoods/Moorcroft)

300608 -Long running battle,threatening court, CCA letter NO 2 and harrassment letter sent - passed back to Littlewoods early July.

070808 - Passed to Debt Managers, Acct in dispute/BOG OFF letter sent 080808...

140808 - Letter from Debt Managers passing debt back to Littlewoods - RESULT! :D

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I wouldn't want to risk it - they may use the details again later!

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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I wouldn't want to risk it - they may use the details again later!

 

Yeah i understand....but it was an account i never use anyway - so there'd be nothing in it anyway even if they did do that in future :lol:

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I confused a DCA monkey the other day - he told me he couldn't give me his surname 'due to data protection'... I politely asked which part of the data protection act was being used for this - he said 'I will ask my supervisor..' which he did and came back and said 'Sorry, its not data protection, its company policy.'

 

The best one though was the one I posted earlier about the guy who promised to send complete statements and evidence of what I had purchased and then a letter turned up three weeks later saying 'passed to OC with no further action recommended'. He seemed so convinced he could get me to pay up.

 

DCA baiting should be come a national sport!

 

 

Now who do we complain to about getting it a nation sport for CAG users.

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!!'.

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I had a DCA chasing my Abbey overdraft which is about £700, but all of that + another £1300 is bank charges and interest charged on those charges.

 

I called the DCA and gave them my switch card details stating I wanted to pay in full.

 

Little did the DCA now, but the switch card for the Abbey account that Abbey had closed on me a month before. :p

 

Abbey still charged me £30 for the failed transaction, even though the account was closed. Bam, off went the complaint to the OFT for them passing on an account in dispute to a DCA, and adding charges to an account they themselves closed down.

 

Still awaiting the results of that one.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Slightly off the thread here all, but I've now eventually finished reading this marathon thread and have to say that it's the funniest thing I've read in years:) Suddenly my battle that's beginning with lowells doesn't seem half as bad, almost fun even.....

 

Can't thank you all individually or tip all your scales, so just be aware that you have certainly all made a difference.

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Sounds like quite a lot of the DCA Threat Monkeys

 

It sure does. I don't think their family trees have too many branches on them to be honest. A good party game for DCAs would be "I spy with my middle eye".

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Slightly off the thread here all, but I've now eventually finished reading this marathon thread and have to say that it's the funniest thing I've read in years:) Suddenly my battle that's beginning with lowells doesn't seem half as bad, almost fun even.....

 

Can't thank you all individually or tip all your scales, so just be aware that you have certainly all made a difference.

 

No - ive made a difference, dont want anyone else taking any credit for this thread :p:D

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Amazing you got to the end of the thread. Must have taken you ages.

 

From what peeps tell me, this thread really makes all the difference, and makes them realise that debt and DCA's are nothing to be afraid of. Sometimes they can be a bit of fun too.

 

Watch this space as this weekend, I'm going to try and get some funny dca calls I've made on utube and link them on this thread.

 

Fuzzybobble + Bumble Bees + bad memory + attention defecit disorder + CAG, audio recording, and video editing knowledge = More laughs than Gordon Brown trying to explain the mess the country is in by telling us not to waste food. :lol:

 

My message to Gordon Brown.....

 

STOP wasting tax payers money on trying to bail out your friends in the financial industries using the excuse of protecting hard working people. If it wasn't for people like you and Tony B.liar we wouldn't have to be hard working. We'd have a decent income, quality of life, and enough free time to enjoy it.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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My message to Gordon Brown.....

STOP wasting tax payers money on trying to bail out your friends in the financial industries using the excuse of protecting hard working people. If it wasn't for people like you and Tony B.liar we wouldn't have to be hard working. We'd have a decent income, quality of life, and enough free time to enjoy it.

 

Absolutely.....here, here!! :)

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Watch this space as this weekend, I'm going to try and get some funny dca calls I've made on utube and link them on this thread.

 

Oh.....my......god.

I'm sooooooo looking forward to that....lol

You're an inspiration Fuzzy :D

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Don't rush me MrTon lol. Not put anything on there yet lol.

 

But to keep everyone amused. Here's the funniest video I have ever seen on YouTube.........

 

YouTube - Jeff Dunham - Achmed the Dead Terrorist

 

The dead terrorist awaits you. :D

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These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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