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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.
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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.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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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Andy v CapOne


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No, problem, as long as that's what you need, I'm not to good with 'bundles' :rolleyes:

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi, Andy.

 

I'll try to get someone to help you, I'd help you myself but the systems different in Scotland :rolleyes:

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I think you need the advanced bundle-give me a minute.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Dont speak of leaving this now-this is the most important stage of the claim.What you will be supplying now will be crucial.Its something most will have to do-The first one is always hardest.Just be patient and if theres anything you dont understand then ask.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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You can begin by downloading case laws as advised.do 3 copies of everything incl account statements letters etc.

Theres no need to do copies that the other side or Court may have-so for example you dont have to do statements for the other side-likewise you dont have to do copy court docs for the court-they already have these.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I see BRW is here maybe he can offer more....I have to go.

You can address individual points such as defaults etc in your witness statement.

 

Get to it...........

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hello Martin3030 and Andy!

 

I see BRW is here maybe he can offer more....I have to go.
I regret I've only dropped in as it's on my Watch List...I regret I'm not up to speed on the case at all.

 

However, if it is any help at all Andy, just slow yourself down and plod though the issues one step at a time.

 

I see you have the Hearing on the 20th, so it's close, but you have from now until Thursday Night to get this pulled together. That may not seem long, but it's a lot of time if you work steadily through the issues.

 

Re-Reading your own Thread is not a bad place to start, and sit down with a cup of Tea and a notepad, and scribble down anything useful that you may have forgotten about.

 

Next step is to sit back and write out, in big headings only, what it is you are Claiming. IOW, what do you want from CapitalOne?

 

It's vital that you have a clear idea of the key points. Once you have them lined up, then stick each onto a Sheet of A4, and jot down the winning issues. Make a note of anything you need to back up the key points and issues, such as Case Law, or any CAG Documents that are known to help your case.

 

Then make sure you have those Documents.

 

Then look at the Trial Bundle links that Martin3030 has added, and see how one is assembled. It's nothing to get too daunted by, and is mainly a case of organising what you need to see in your bundle.

 

Start pulling the Folders together on your PC ready for Printing...but don't Print them yet, just start getting them ready. Give the Folders Numbers if you like, so they start to line up in the right order, then change the numbers as needed if you need to add others, i.e.:

 

001 Folder - My N1 and POC

005 Folder - Anything else very useful

010 Folder - Anything else sort of useful

 

If you need to add something you've just spotted, then by leaving numbering gaps, you can inset an extra Folder, i.e.:

 

001 Folder - My N1 and POC

005 Folder - Anything else very useful

007 Folder - Something useful I've just found

010 Folder - Anything else sort of useful

 

Soon you will start to gather the bumf together.

 

But keep going back to the main Claim points, and make sure you know what documents you may need to refer to to back up each one, and make sure you can find them on the day when needed.

 

Once you have the bumf all lined up, then Print them out, and insert into a large A4 Lever Arch Ring Binder File.

 

Use Cardboard Dividers or Tags of some sort that stick out to help you find things.

 

When all looking good, add Page Numbers to the bottom Right...but in PENCIL, so you can rub them out and re-do them if needed.

 

You can use Section Page Numbers if that helps:

 

Master Index

 

Section A Card Divider

 

Page A1 to Page A20

 

Section B Card Divider

 

Page B1 to Page B15

 

Section C Card Divider

 

Page C1 to C24

That way you can keep Page Numbers intact for a Section, and if, say, Section C needs an extra page or two, you don't need to re-number Sections A and B.

 

Right, when done, then practice what you want to say, and practice finding the bumf you may need to back it up. Write out a DIY Guide for yourself for use on the day, so that you know what each key issue needs, and where that can be found, for example:

 

My Argument One:

 

References:

 

Document 1 - Section B Page B5

Document 6 - Section C Page 15

You'll soon get the hang of it.

 

If time, create an Index as well, that is at the front, so ALL Documents have page numbers listed against them, so if you get hit by a wobbly in Court and know which document would help, the Index will let you go to it quickly.

 

Finally, Print off two extra copies on Thursday Night for the Judge and for the Enemy! Quickly Page Number them, and add Card Dividers if time...but if you do have an Index, add a copy for them, and make sure it matches yours so on the day, you can all go to the right page.

 

Finally, after all this, I bet CapitalOne will not turn up! But if you do all of this and they don't bother to show and you win, how pleased will you be.

 

...and how annoyed would you be to pull out now knowing they may not even bother to show!

 

Take this all the way, and give them hell!

 

Sorry this is just general, but as I'm not bogged down in the case, I can take a step back and try and help you to get an overview.

 

I do hope this helps.

 

Cheers,

BRW

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Very good BRW.......plenty there for him to be getting on with.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hello Andy!

 

Sorry, I mis-read the Court Document, saw 20th March, and thought that was the Hearing Date. I can now see it is just a fee that has to be Paid by then.

 

In that case, you have a fair amount of time yet to play with, and no, you don't need to send anyone any bumf by the 20th.

 

My apologies, I could not see the Hearing Date was in April.

 

Plenty of time then!

 

But, start using it now, or you'll soon run out. Get ahead straight away, because then you will be very well prepared by the Hearing.

 

Cheers,

BRW

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  • 2 weeks later...

just had a very interesting call from capital one on friday, offering me a further £200+ in interest and they would remove the fefault marker on my credit files. told them i wanted all late payment markers too and then would settle. they informed me that they couldnt remove the late payment markers.

 

does anyone know, if it is possible for them to do this or an successful claims before that have manged to remove markers successfully

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just had a very interesting call from capital one on friday, offering me a further £200+ in interest and they would remove the fefault marker on my credit files. told them i wanted all late payment markers too and then would settle. they informed me that they couldnt remove the late payment markers.

 

does anyone know, if it is possible for them to do this or an successful claims before that have manged to remove markers successfully

 

I believe Barclays can do whatever they want with the credit history, they are the "owners" of the information. I've seen threads on here where they have wiped out all bad markers. I think they're just trying hard not to cave in.

 

I think noomills thread is a good one to read, he got barclays to remove all bad markers from his credit history.

 

PmW

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  • 4 weeks later...
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