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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 
        • 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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Boring, boring, boring...


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My current mortgage fixed rate runs out at the end of the month and I have to find another one. I hate doing this, and have been absolutely shocked at some of the "arrangement" fees, up to £1k!!! :shock:

 

I know it has to be done, but I hate it, I really do and my heart sinks down to my boots at the thought. Maybe this post should have been in the bah-humbug thread. :oops:

 

Urgh. :-(

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We used to be in Social Housing, MTM. We worked hard to be able to buy and were lucky enough to do so when houses were at their lowest price.

 

Incidentally, the house we bought used to be Social Housing stock, so technically, we still are in Social Housing, the difference is we're paying for all the repairs and maintenance ourselves AND we don't qualify for any Housing Benefit even though we're on low income, so cry me a river. ;-)

 

BTW, the title of the thread mentions that it is "boring", which unless you're a drama queen (jury still out on this one, I believe) hardly qualifies it as a "plight". :-D

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We renewed ours with C&G earlier in the year and there were no arrangement fees, but our existing mortgage was there so I don't know if that makes a difference.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I am ashamed to say it, but we have ours with HSBC.

I had to really, as the offer was too good to miss and had no arrangement fees.

they were doing a rate match thing, I am not sure if they are still doing it...

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Yes, but it's only for 2 yrs with a £1k arrangement fee, so no that great a deal.

 

If you go for variable, then most don't do a fee, but as soon as you want fixed, ouch. Last time I did it was 5 years ago, and it is a real eye-opener to see the difference now, and not in a good way, no fighting for customers anymore, that much is obvious. :-(

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Well, I'm not going to blow anyone's trumpet just yet (o-er), but I found a whole of market no fee broker online, and he's calling me back tomorrow once he's done all the legwork for me, so we shall see. :cool:

 

Would you believe that because I want to borrow a little bit on top, Halifax - my current provider - will charge me a £349 fee for first doing the loan application, then tack on the mortgage at the same rate and charge the £0 - £999 fee (but we know it would be the £999 one, don't we, boys and girls? :mad:) as well? So to STAY with my current provider, who will not incur additional expenses since they won't need a new survey, solicitors, etc, only the valuation (which as we know just means phoning the local estate agent), will cost me MORE than moving to a different lender.

 

This is a crazy, crazy world. :-|

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Yeah mine's fixed rate too.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Well, 2 top offers are Abbey and Skipton BS. Abbey is 0.1 % cheaper at 6.02%, but comes with strings, must have a current account with them, put in at least £1000 with 2 DDs coming out of it, arrangement fee £599,

 

Skipton, no such restrictions, 6.04%, arrangement fee £799, and I can make o/payment of up to 10% each year (like THAT's likely to happen! :rolleyes:).

 

Halifax, my current provider? 6.59%, £699 fee + £349 fee for the additional monies! :shock: What happened to keeping current customers happy?

 

Bloody ridiculous, is what it is. :mad:

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Why NOT just stick to a normal 'variable rate' mortgage??...:confused:
"stick" would be incorrect as I've never been on variable. :razz: I don't trust the vagaries of variable, I need to know that my payments will be the same, this way, I can budget precisely.

 

Mr BW and I are typical products of the Thatcher years in a way, having seen friends and acquaintances struggling with the 15% rates and often losing their homes as a result, we would never gamble with our home. We probably paid more as a result, having fixed while the rates were going down and down, but we'd much rather do it that way and know that we are as secure as can be in these uncertain times. I truly believe that we are on the verge of a recession, and the credit crunch coming to us courtesy of the US instead of the homegrown recession from when La Thatcher was in power, and I believe that it is going to be as devastating as the last one, so we just want to have as much certainty as can be attained these days.

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Don't, you're freaking me out - I'm worried about it all enough as it is :(

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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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thats not a bad offer booky... I would bite his hand off with that one, these deals are vanishing fast.

 

I agree, I too lived through the 15% days, and I was lucky enough to have a fixed rate at the time. OK, you might pay a little more, but in my opinion its worth it for peace of mind.

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Perhaps my problem is I always seem to do that in reverse ...

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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Ah, bah humbug and all that. :mad: Nice chap from brokers called me back friday lunchtime, Skipton have just withdrawn this particular deal, so he'll start again on Monday to see what new deals have come up. Blink and you've missed it! :shock:

 

On a separate note, Mr BW had also contacted some people, without me knowing, and they called earlier. I don't much about what they were offering, but Mr BW arrives in the kitchen and says: "They want to arrange to come and meet us here to discuss the various options."

 

Well, my dears, if you have never seen my ears twitch, there it was. :mad: So I said; "No, whatever they want to discuss, there is no reason why they can't discuss over the phone!". Mr BW relays that to them, and they insist. At which point, I told Mr BW to tell then to sod off, erase any info they have from their system and not even think about passing it on to 3rd parties, or there'll be hell to pay, and goodbye!

 

Invite them over, yeah right. If they are that desperate to get here, it means that they will then use high pressure tactics to get us to sign stuff we might not want and then, because they were asked in, there are no cancellation rights. I don't think so. :mad: The cheek of them. :mad:

 

Ah well, back to square 1 then. :oops:

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I agree - i prefer to know what exactly I am paying each month.

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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