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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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Capital One here I come!


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Hi everyone - I take so much encouragement from reading the posts on here that I suddenly realised I ought to post my progress as well.

 

6 June sent request for information

 

11 July received HUGE envelope by special delivery - they have sent me every scrap of information they have ever held on me. The charges come to £520 (quick flip through - will be absolutely sure by listing them before I send off the next letter. Greatly heartened by posts on here of those who have succeeded.

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13 July sent off letter asking for MY money back. Gave up trying to work out interest and settled for just asking fot he £520 Was a little hesitant since hearing that some courts were throwing the cases out but have jsut read tonight that Lloyds have settled in full!!! Glad I posted the letter today anyway!!

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  • 2 weeks later...

27 July

 

I lost track of the time so they have had 4 weeks now and still no reply. Sent off letter before action today.

Got a statement today and was delighted to realise that they owe me (just) more than I owe them!! Wish I could claim the same rate of interest they are taking off me!!!

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wow... good luck... I am awaiting my statements as we speak... My balance is only £180, and they owe me at least £60 so, hoping I will be in same boat as you!!

Cahoot

JBD issued - 27/07/06, warrant issued 08/08/06

First Direct

Settled in Full

Capital One

Prelim Sent

Citi Financial

Offer of difference betwen £30 and £12

GE Capital - Evans Card, Data Protection Act

Argos Card, DPA

Barclay Card, 8th May-DPA, 14th July- 2nd DPA (asking complete history!!)

Egg Card & Egg Loan,DPA

NatWest Card

LBA

Vodfone

3rd letter re: default

Studio & Ace

Prelim for Studio e-mailed

 

Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.

 

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27 July

 

I lost track of the time so they have had 4 weeks now and still no reply. Sent off letter before action today.

Got a statement today and was delighted to realise that they owe me (just) more than I owe them!! Wish I could claim the same rate of interest they are taking off me!!!

 

You can!!!

*****************************************

[/url]

Nationwide

Won

Capital One

Won

Citibank

Part win

GE Capital

Won

 

Exchange your council house for free.

www.UseMyPlace.com

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  • 2 weeks later...

Thanks to everyone for all those helpful comments - it's taken me about half an hour to follow all the various threads there but time well spent!

 

11 August first offer received £208 as against my claim for £520. They are so not in with a chance here! :)

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  • 3 weeks later...

28 August

 

They have refused to consider a full refund so I have today filed a claim with Moneyclaim (thanks to Vampiress for the spreadsheet and Michael Browne for helping me with the claim form) Total claimed now stands at £662.09 plus court charges plus £0.12 daily interest.

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I was just about to send my spreadsheet and and 1st approach for payment to Capital One, but after reading your thread about the spreadsheet from Vampiress, i'm not sure if i've filled in the correct one, i've just used the standard one levying the 8% interest.

i've seen reference to compound interest etc, and never being particularly good at maths it's all starting to go over my head!!

 

Can you help? Is the standard spreadsheet sufficient or should i be using something else

 

Cheers

ViennaBlue

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the 8% part of the spreadsheet is only if your making a court claim, the other part (page 2 I think) is the part you should send with your prelim

[FONT=Book Antiqua][SIZE=1][COLOR=purple]Barclaycard 1 - MCOL sent 1/9/06 £432.29[/COLOR][/SIZE][/FONT] [FONT=Book Antiqua][COLOR=#800080][SIZE=1]Barclaycard 2 - Data Protection Act [COLOR=purple]sent 2/8/06[/COLOR][/SIZE][/COLOR][/FONT] [FONT=Book Antiqua][COLOR=darkred][SIZE=1]Capital One 1 - Prelim sent 28/8/06 £916[/SIZE][/COLOR][/FONT] [FONT=Book Antiqua][SIZE=1][COLOR=#8b0000]Capital One 2 - Data Protection Act sent 2/8/06[/COLOR][/SIZE][/FONT] [FONT=Book Antiqua][SIZE=1][COLOR=red]Marbles - MCOL sent 30/08/06 £1225.23[/COLOR][/SIZE][/FONT] [FONT=Book Antiqua][SIZE=1][COLOR=seagreen]Black Horse - Data Protection Act sent 4/8/06 cheque cashed[/COLOR][/SIZE][/FONT] [FONT=Book Antiqua][SIZE=1][COLOR=deepskyblue]CitiCards - Data Protection Act sent 4/8/06 cheque cashed[/COLOR][/SIZE][/FONT] [FONT=Book Antiqua][SIZE=1][COLOR=magenta]HFC - SAR sent 5/9/06[/COLOR][/SIZE][/FONT]

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I asked Vampiress for help as I know hshe has helped many other people and she was fantastic - gave me exactly what I needed to fill in. THe 8% does not get added until you go to court. In fact I did not add interest at all until the court claim then I hit it with everything - after all they have now had about 8 weeks to pay the straight charges back and didn't wish to do so! Good luck

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  • 4 weeks later...

YEEEEESSSSS!!! Just had my letter today - everything they did was legal - I have no claim against them at all - but to avoid court action they will pay my claim in full. RESULT111 Thanks to everyone hwho helped me. Now to attack the rest.

 

I will make a donation but need to wait until I am no longer paying to much unneccessary interest to these sharks!

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