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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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Andy v CapOne


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and i thought MBNA was mad enough when they phoned me several times a day at work over an underpayment of a sum of around 60 pence!These banks are petty!:rolleyes:

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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All i can say is these banks are getting pretty desperate!when they worry about sending out letters about owing them 48 pence!:rolleyes:

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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THe have written to say they are NOT demanding the 48p - they are asking nicely :)

 

The DCA have ovbiously seen the light and pased the account back to Cap one. That presumably means that theDCA at least think that either they don't stand a chance of collecting or that it would be more trouble than it is worth.

 

You were claiming just short of £3k in unlawful charges and they defaulted you for £600 odd. They have also paid some of the charges. Give of take the odd 48p, have they now effectively settled all of your claim? or at least the money part of it?

 

If not, the answer is clear, send in the AQ. You could always add a note telling the court of the latest development. Presumably in all this, they haven't removed any default markers?

Edited by steven4064
Changed after I actually read the thread

 

 

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Hi Steven and thanks for the feedback, They defaulted my account whilst it was in dispute, not allowed me thinks. They have paid me back the charges and ppi payments, but no interest, the stumbling block seems to be the 22.13% (CCI) i am claiming for, think i made a monumental mistake bu not asking for the purchase rate, just went with what it said on their supposed cca. anyway, the real thing i want is the default and adverse comments removing from ones credit files and hopefully some interest too on my money. cannot believe they have sent me letter saying that i still owe 48p and that they have update my credit files saying there is a special flag of partial settlement. arhhhhhhhhhhhhhhhhhhhhhhhhh

 

could really do with some help filing in the AQ under the other information section.

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I think you should just use the standard one from the templates library ( http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html) and some draft directions from http://www.consumeractiongroup.co.uk/forum/bank-templates-library/147609-draft-order-directions-including.html basically asking for information provingtheir charges are reasonable, etc. You maywant to change the 'otehr info' bit a bit to say something about them having rrepaid the charges but not the interest thereon which you consider yourself entitled to because the charges it was lavied on are unlawful. You admint that the defendant disgrees with this but the information you are asking for will provie the facts that will enable the court to decide on the matter. Similarly, you aver that the defaults are equally unlawful for the same reason and , again, the information requested will allow the court to decide on the matter.

 

The information you areasking for is everything that shows what their actual costs are when you brecahyou agreemenent by paying late. POst what you come up with and we will look at it.

 

 

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just going over a few things and have been looking at there supposedly credit card agreement whick is sighned by myself and have come across this little excert, so would i be right in thinking I have asked for the correct interest rate, also I have noticed too that I have actually claimed for a total off £1309.39 and they are saying that there are refunding £1032.48 in default charges. nearly £300 difference, hmmmmm

 

17thAugust20072-1.jpg

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In that case the claim is not for just the outstanding interest it is for the outstanding charges and the outstanding interest. THe draft directions you need are just the bits relating to their costs and why they think the charges are fair.

 

 

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UNder G I would add that the information you are requesting will enable the facts of the matter to be elucidated and further Over-riding Objective. If the Defendant has the serious intention of defending this case at trial as is indicated in its defence, then it is incumbent on it to disclose this information.

 

In your draft directions both points start "the claiman shall". One of them should be "the defendant shall"

 

Read it through, spell check it and correct the format

 

Otherwise OK

 

 

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Hello Andy!

 

Just a flying visit...

 

If it is any help, have a read of my Thread below, because I have covered AQs in some detail, and made sure I listed every issue that I had out so that other people could read and follow how I did it (with thanks to all those who helped me).

 

[/url] BRW v A Particularly Nasty Bank

 

If nothing else, it may help you to see how my AQ came together, and then you can cross-check mine with yours.

 

There might be the odd issue that may help.

 

Cheers,

BRW

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Hello everyone, sorry not been on for a couple of weeks. just back off holiday and have had a letter from the court regards all the above.

 

anyway, attached is a copy (edited of course), please could some help me, by letting me know what documents i need to get together for court, only have 12days left now, so quite urgent really

 

allocationedited.jpg

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You will need a witness statement/ statement of case which sets out your case with references to any case law or statutes and any other evidence, such as bank statements, agreements, etc (I can't remember what you case is for so I'm rambling a bit :rolleyes:).

 

The bundle will then consist of this statement plus copies of all the evidence, case law and statutes that you have referenced.

 

You will need 3 copies - one for them, one for you and one for the court. Yours should have originals of docuemnts rather than copies if appropriate. Put each bundle in a ring binder or similar and number the pages (actually, number them before copying)

 

 

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