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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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    • 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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    • 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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Michellemc v HSBC ***SETTLED IN FULL***


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Can anybody help?

 

I just want to make sure that I am going in the right direction and maybe I am one of those that have jumped in at the deep end without correctly understanding.

 

I got my 6 years statements off the HSBC Internet Banking and prepared the spreadsheet (£982.02 TOTAL = £664.50 CHARGES / £317.52 INTEREST). I have broken it down by month but basically done the subtotal, i.e if I have been charged for 2 returned Direct Debits I have simply put Jan 2006 £50.00 - is this wrong and should I amend it to break each charge down along with a date.

 

Also the interest charges I have simply taken from my bank statements again when I have been overdrawn but again no date just e.g 'Jan 2006'

 

I sent my initial request recorded and have noted it was signed for on 27/06 so they have 2 days to reply. If I do not hear anything I will send the LBA but am I okay to then allow them just the additional 14 days if I do amend the spreadsheet when I send the LBA (Am I making sense!)

 

Thanks for any advice.

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hi michelle and welcome, the only interest you should be claiming at this stage is any they have charged you on unauthorised interest! the 8% doesnt go on til moneyclaim stage, ok? on the charges just put x2 if its for more than one charge, any clearer?

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Yes I have only claimed for the interest shown on my statements so that is okay.

 

Will go through and check the total charges and make a note of multiple charges and get my LBA ready for Tuesday by the looks of things!!!

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Sorry just another thought I have since been charged an additional £25.00 charges and £16.00 interest this month (July 2006) -

what happens on further charges once you make your claim?? -

can you claim them back

AND / OR can I amend my spreadsheet and claim July 2000 - July 2006, which means amending the total I am claiming for on my LBA!??

 

Getting confusing now!!!!!!!!

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Don't scare me when it goes to court!! but will amend anyway.

 

The interest charges are taken from my statements, i.e charges when I am in negative balance, the last 4 months I have been charged £54.00 alone - is this right?

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Yes I do so these interest charges are bloomin wrong. Just found the spreadsheet and going to go through it now and see what the interest charges are on my penalties. Buggar!!

Would you start again, my initial letter was not addressed to anybody specific or should I simply send my LBA with an amended amount!!

Thought I was on the ball, read through all the stuff for days before I prepared everything too.

Appreciate your help.

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After reviewing my interest charges it amounted tp £195.00 so not too far off - total claiming £859.76 but due to my printer being kaput I could not print off my LBA. ANYWAY!!

I have today received a letter offering me £600.00, seems the usual standard letter blah blah "if your claim for a refund proceeded to Court, we believe we would successfully resist any legal challenge in relation to these fees. However we are mindful of the time and irrecoverable legal costs that it may incur and HSBC is prepared to make a payment to you representing the charges applied in full and final settlement of this matter. If you are not satisfied with the bank's response you have the right to complain to the Financial Ombudsman Service"

To be completely honest I am not too sure the best step to take next as there are letters mentioned for part settlement and then I have just read a post re banks maybe starting to go as far as court now!!

HELP!!!!

HSBC - £859.76 - Offer of £600 12/7/6

A&L CURRENT - DATA REQUESTED 27/6/6

A&L JOINT - DATA REQUESTED 7/7/6

I

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hi had same problem with filling out the spreadsheet, you know, what should you put in the intrest columns ?

anyway took advice from another helper, and did not include it as it was so complicated as to what was a intrest charge and what wasn't.

i have a authorised overdraft so its difficult to seperate the 2.

my total came out at £800 just for intrest but as i said its difficult to sepreate, not only that, having the right dates for when the intrest was charged and the acount balance at the time was a nightmare !!!!

 

anyway, my charges alone were over £2000,

sending my letter of request for money back tomorrow.

don't give up its worth it in the end, plenty of really helpful people here on the forum to answer any questions

good luck :)

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  • 3 weeks later...

Received a letter today from Mr Langdale offering me my full £664.50 charges BUT there is no mention of the interest I am claiming - what should I do? I am now at the MCOL stage so do I go ahead and do this which incidentally would mean my total claim would go from approx. 859 to 1114 with the 8% interest or should I just accept the £664 charges and forget about the interest charges???

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I am going to call Col! tomorrow and try and get this sorted. I am wee bit scared of them bombarding me with bank jargon and published charges etc...

 

For all you experts out there can you just confirm that basically the interest charges I am trying to reclaim (as all entered on the spreadsheet) is purely related to the excessive charges and had they not charged these to me I would not have had to pay this interest etc etc. With them admitting liability (know they will deny) to the charges how can they deny refunding me the interest???

 

Am I right!????

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You're not phoning him to discuss the merits or otherwise of your claim, it's just a courtesy call to find out if they're prepared to refund the interest as well and save them additional cost. A simple yes or no, Col. And if it's no you'll file at court

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Well after numerous attempts of speaking to different people I never managed to speak to Mr Langdale. The number on the HSBC website takes you through to Scotland and surprisingly nobody (well about 5 people, when I eventually gave up) could put me in touch with the Quality Team. The only way of getting in touch was by sending in a letter or them sending an e-mail on my behalf and I would receive a call in 5 working days - still waiting!

Apparently even the staff from HSBC are unable to get hold of Leeds, they also have to write as they have no contact numbers - ??????!!!!!!!! (yes, rubbish I know)

So Mr Langdale should now be in possession of my final letter advising that if I do not receive a full refund by the end of business on Tuesday I will go ahead with court proceedings so I wait with bated breath......

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So Mr Langdale should now be in possession of my final letter advising that if I do not receive a full refund by the end of business on Tuesday I will go ahead with court proceedings so I wait with bated breath......

 

Got a letter today as follows '

 

HSBC's interest rates are well publicised in respect of both authorised and unauthorised overdrafts. You have asked us to refund overdraft interest on your account. It is, of course, a condition of your borrowing from us that you will pay interest at the agreed rates on that borrowing. As such we will not be refunding the interest that has been applied to your debt'.

 

Has anybody else had the same problem? Any advice gratefully received. Will def go ahead and file on MCOL but worried about losing what they have offered.....

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  • 1 month later...

Hi there, just a quick question for all those whizz's on MCOL!

 

HSBC have just coughed up all the money :D , what happens to MCOL?? Do I need to close anything off, confirm I have received payment etc.

 

Sorry to ask, have had a brief look around but unable to find anything..

 

Thanks

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