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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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Hi All

 

Hope I have done this right.

 

I m trying to create new threads for each of my creditors and keep my file nice and tidy, please advice if I m doing it wrong. Thanks:p

 

I have cca egg on 4/9/08 and this is what they send back:

 

 

th_egg12thsept2008001-1.jpg

 

 

Can someone advice me on this, do I have to send what they are requesting from me? Is not by law they have to send the cca I requested for? I have received the letter they send me, is that not enough prove that I live there?

 

Any help will be appreciated, Thanks

 

bobogosing

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Keeping your creditors separate is always a good idea as it allows advice to be given on specific subjects rather than a generic card/loan/overdraft query all appearing on the same thread

 

I haven't been able to read the letter, what exactly are they requesting from you?

 

A CCA request can be made at any time, the request itself need not be signed and should be accompanied by a payment not exceeding £1, there is no requirement to furnish them with copy or original documents of any kind (passports, driving licences, household bills etc), unless they have doubts over your identity, in which case why are they trying to collect monies from you when your identity is unclear

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Hi spamheed

 

Thanks for reading my post, hope you can read it this time, I know its upsidedown butI don't know how to save it straight even though I did rotate it on photobucket, still have alot to learn.

 

If you can read the letter, it should explain more clearly what they want from me. Any advice?

 

Thanks

 

bobogosing

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Try the following (edit as appropriate)

 

 

Dear XXXX

 

Thank you for your letter dated xx/xx/xxxx the contents of which have been noted

 

I draw your attention to your request for me to prove my identity and address to you. I might remind You that you have previously sent numerous documents of a sensitive and confidential nature to this address, So I assume that you have already clarified my identity and address at a much earlier date and can only surmise that your request is an administrative error.

 

In your letter I was instructed to send you an original bank or credit/store card statement or utility bill. I have since been advised that I am not obliged to send you these documents nor should you be asking me for them. The government and numerous consumer organisations regularly advise against sending copies of any of the requested documents due to the risk of identity theft.

 

If you do still have queries regarding my identity I would then question why have you previously sent sensitive and confidential information addressed to me at the address provided to you when you have doubts about my address and/or identity?

 

I trust this resolves any quesries you may have and look forward to receiving your response to my original CCA request dated xx/xx/xx in line with the timescales as laid out in current statutes

 

yours

 

(unsigned)

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Hello everyone

 

I have received a pile of my credit card statements but nothing about my loan.

 

I send the SAR request for credit card and loan on 4/09/08 to egg.

 

Should I get any statements regarding my loan? What I can remember before my hardship I never receive any statements regarding my loan but only statements for egg card.

 

Is anyone dealing with egg loan too? Would love to hear from you and give me some advice please, as I still dont know what I m doing.

 

Still waiting for the cca's, requested for them on 4/09/08.

 

Sorry to sound dim, whats th SAR actually for?

 

Most grateful for all advice and help

 

bobogosing:confused:

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Sounds about right for Egg Bobo - they don't like sending out full info on their loans for some reason.

 

From what I've read on the Egg forum on CAG, they are extremely short staffed so that could be the reason but I doubt it somehow ;)

 

However, S.A.R - (Subject Access Request)'s should be chased up with CAG non-compliance letters after the 40 days are up:-

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

Sorry to sound dim, whats the S.A.R - (Subject Access Request) actually for?

A Subject Access Request is a legal request for all information the company has on their files regarding any account information they hold on you eg statements, transcripts of telephone calls, etc

 

Bo :)

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Hi Bo

 

Thanks for reading my post, so basically I just need to wait for the 40 working days is up, then send them the non compliance letter.

 

So, in the meantime I will chase for the cca as 12+2 should be up.

 

bobogosing

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Hi

 

I know i have seem it somwhere, the letter to request for cca again when you have heard nothing after 12+2, but cant seem to find it, I have checked CAG letter templates and its not there.

 

Help! Anyone?

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It's 40 calendar days for the S.A.R - (Subject Access Request) Bobo :)

 

Can you just clarify a few things for us?

 

Is your Egg account with a DCA? If so, which DCA? Also, how old is the loan and the credit card?

 

The general rule of thumb is to CCA the DCA and S.A.R - (Subject Access Request) the OC (Egg) to see what charges have been applied to your account.

 

I know i have seem it somwhere, the letter to request for cca again when you have heard nothing after 12+2, but cant seem to find it, I have checked CAG letter templates and its not there.

There is no need to chase them if they haven't replied to your CCA request after the 12+2 days are up, just wait a further calendar month and see what reply you get - if any ;-)
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Hi Bo and everyone

 

according to the egg card statements egg have send me, the card was taken out on 2003 and the egg loan would have been later on 2003.

 

egg have passed the egg loan to dlc in the middle of 2007.

 

and now they have passed the egg card to dlc earlier this month 2008, request for for full payment. I have send a letter to dlc informing them the account is in dispute and this is what thet send backth_001-1.jpg

 

 

so i have requested cca from them too and that was send off a few days ago.

 

regarding the egg loan htis is what they send back

 

 

 

Sorry to sound dim, what's OC stands for? I m not good at remembering all these short abbre's.

 

Thanks

 

bobogosing

Edited by pt2537

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Hi Bo and everyone

 

according to the egg card statements egg have send me, the card was taken out on 2003 and the egg loan would have been later on 2003.

 

egg have passed the egg loan to dlc in the middle of 2007.

 

and now they have passed the egg card to dlc earlier this month 2008, request for for full payment. I have send a letter to dlc informing them the account is in dispute and this is what thet send backth_001-1.jpg

 

 

so i have requested cca from them too and that was send off a few days ago.

 

regarding the egg loan htis is what they send back

 

 

 

Sorry to sound dim, what's OC stands for? I m not good at remembering all these short abbre's.

 

Thanks

 

bobogosing

 

 

Thanks 42man! but why can I still see the letter with my info on down my end of the screen?

 

bobogosing:confused:

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Hi Bo and everyone

 

according to the egg card statements egg have send me, the card was taken out on 2003 and the egg loan would have been later on 2003.

 

egg have passed the egg loan to dlc in the middle of 2007.

 

and now they have passed the egg card to dlc earlier this month 2008, request for for full payment. I have send a letter to dlc informing them the account is in dispute and this is what thet send backth_001-1.jpg

 

 

so i have requested cca from them too and that was send off a few days ago.

 

regarding the egg loan htis is what they send back

 

th_dlcattempt2001.jpg

 

 

 

 

Sorry to sound dim, what's OC stands for? I m not good at remembering all these short abbre's.

 

Thanks

 

bobogosing

 

:eek: now the problem sorted, thanks again guys ;)

 

Hope this post eill be ok this time

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