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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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You OH's contribution should go in the box 6.7.

 

This should be helpful (but a long read).

 

OR's Technical Manual - IPAs Assessment of real disposable income

 

And if you can open an Excel file, this should let you work out roughly how much an IPA (if any) would be:

 

Income Payments Calculator (Excel spreadsheet)

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OH = Other Half

 

Sorry. Too used to forum/internet shorthand. :oops:

 

That spreadsheet is a calculator, so it's a bit hard to put it into another format.:confused:

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Will my orange contract be taken away from me when i go BR, i pay around £30 a month.

 

Also i realise SKy is seen as a luxury, however it is my partner who uses SKy, is it worth telling sky to have the account in his name only and remove mine? His name is already jointly on the account.

 

 

Thanks

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when going Br will the OR take working tax credit as income? i am confused as i read on net benefits are not classed as income as they are means tested, i.e you are under a certain yearly amount to get working tax.

 

On my BR form i have included the working tax figure in my income section however the amount i have wrote is the amount for myself and partner am i to include this or divide it by 2 as it is for both of us and he is not going BR.

 

I am concerned as at mo i have a surplus of 350 a month, but i think i should have included dentist, prescriptions etc

 

Thanks again everyone

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The mobile may well be OK. It is nowadays seen as a reasonable expense.

 

If your bills were much more than you say then you might be required to meet the extra out of any surplus you were left with.

 

Sky is non-essential though.

 

But if you wish to pay for that out of any surplus you have left over after any IPA is deducted, then that is up to you.

 

For example; if you hadd £100 per month surplus, then an IPA would claim £50. If you decide to spend the £50 you are left with on Sky, that is totally up to you. ;)

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thank you, i'm sure i dont have a 350 surplus a month!? which would mean i pay 231 a month in a IPA/IPO. Do you know if when inputting the working tax amount i should be halfing the figure as the one ive put in is the total working tax received for myself and partner??

 

Thanks so much for forms

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does anyone have any info on what figures are deemed as acceptable in expenses eg food, dentist, clothing and so on....

 

Check your PM's.;)

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i think i have got confused, missed some figures out of expenditure and i also wrote my income in before tax and ni deducted so that made that smaller. i think working tax is classed as a benefit so if that is the case well i have no surplus i'm actually a minus figure. and if it is my figure i think is 189, but am i right you can keep first 100?

 

So grateful to everyones advise on this, it is all very confusing.

I hope they dont mind mistakes and tip ex on form???

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i have not included holidays as i dont ever put anything away for holidays. I was going to put a small amount in the emergencies section say 10 a month?

 

I have included the following: rent, c tax, elec, (dont pay water or tv), food and HK, mobile phone (i dont have a landline) travel clothing, contense insurance, dentist.

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Hi Geministar2007:)

 

I put down emergency - £10.00 per month

Holiday - £20.00 per month

Dentist - £08.00 per month

and was allowed them, I also put down haircut £10.00 per month, pre pay prescriptions, and also dogfood for my dog went on and I was allowed them all.

Like some people told me we have struggled and struggled for so long we don't make the proper allowances that we are entitled to.

So if you have any pets put their food down too!!

Haircuts for all family members should be ok and so should holiday fund for all of you, I would put £20.00 down for a family, you may be allowed, you have nothing to lose.

Take care

Sugar x x x:D

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thank you i have done it now. i had forgotten some stuff i have not put sky down as my other half pays that now in both names, if we have to cancel and start again in his name alone than fair enough. Sky will be on my bank statements but i will tell them this when the OR calls.

 

Thanks all for your advice will keep you posted! xx

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Hello me again.....

 

When the Nil tax code is applied when going BR, does this mean your employer will know you have gone BR? Who else would have Nil code?? What other reasons would be behind a Nil code

 

Also i'm due to go BR end of this coming week. When would the code be applied and is it only until the begin of the new tax year?

 

Thanks everyone,

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I have worked out i have spent around £500 on gambling within 2 years.

 

How will the OR see this?? I know they may impose a BRU/BRO. Just wondered to what levels of gambling they would impose this. And for an amount like this how long this would be for. I believe the min time is a further 2 years?

 

Also as £200 + of it was deposited from a lloyds basic cash card, with no overdraft, therefore i was in credited. Is that looked upon as badly as taking it out of an overdraft or credit card? as obviously one does not actually have the money to spend, it is a debt.

 

£500 seems a small amount compared to some of the BRU/BRO bankruptcy cases i have read on the insolvency site, those peoples gambling debts were in their thousands if not more.

 

I am far from an addict just like the odd flutter (and have been lucky at times).

 

Anyone had a similar experience?

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Can i apply for a bank account before i go BR, if it is basic and the bank/building society know during the application i am BR?

 

Does anyone recommend which banks/building societies to use?

 

I cant go with barclays, i owe them money.

 

Co op, i have no local branch.

 

I have a Nationwide and Halifax near by, however would their accounts allow direct debits and standing orders etc?

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You could have a nil tax code from overpayments of tax in previous years.

 

Your employer isn't told of the reason for the nil tax code, although it is naturally possible to draw conclusions.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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You should be able to get what is called a 'basic' bank account. This is just another name for the standard instant access bank you use with a passbook (at least with a building society).

These accounts don't allow direct debits or standing orders.

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I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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That order of gambling is pretty small beer. You should tell the OR however he probably won't be interested.

Bear in mind that that is equivalent to about £5/week which is what a lot of people spend on the National Lottery.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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ok thanks. yes i didnt see it like that. i went through my basic bank account statements and found i had spent the most on gambling in the past 6 months just over 200, the rest would have been over a year ago. if it was not listed on my statements i would not even bring it up.

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i already have a basic bank account a cash card account with lloyds, this was opened earlier this year when i started my debt management plan. This has no overdraft or the facility to apply for one. I have listed this in my BR forms, however i am hoping the OR will have no interest in this. What do you think?

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