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    • Please can you avoid posting solid blocks of text. It is difficult for people to read especially when they are using a small screen such as a telephone. Well spaced and punctuated please. I hear what you say about the evidence – but do you have copies of it? And if so can we see it please. That's the point. We want to know what you have. As long as you have the evidence in your possession then you have some kind of control
    • 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
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      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.  

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      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.

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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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Petiton Against Charging Orders


JR1
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Hi EVERYONE

 

I would like to draw everyones attention to a petition that you should all sign. Basically some of the dca's, credit card firms, banks, building societies and other financial institions are hoping for new legislation. This is for everyone who has taken out a unsecured loan, unsecured credit card and other unsecured loans and are experiencing difficuties making payment. A charging order is a when a financial instition issue an (only after a ccj has been placed) charging order via a court and can take the payment of the loan from the equity from your home. This really means that the unsecured loan now becomes secured against your property. The financial institions are currently issuing more charging then ever. I urge you to click on the link below and sign the petition -

 

 

Please feel free to anyone who knows more about this subject or can explain this better to add to this thread.

 

Thank you

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Thread moved to the campaign section.

 

I agree we need to get this rolling. Leading debt counsellors are unhappy that this is becoming more common as they say it undermines the work they are doing with people in debt.

 

 

There should be a change in the law to prevent the banks securing the loan on the home.

 

The bank had the option initially to offer an unsecured or a secured loan.

They lent the money knowing the risk. The borrower paid the price in higher interest rates to make sure the loan never threatened their home. How can the bank then have it both ways?

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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I urge everyone on this site to sign this petetion. The closing date for this is 25/10/08.

 

We have a chance to add our voice to this.

 

Lots of us on this site have problems with debts (me included). It is in our best interest for everyone to sign this petetion.

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This has been done before hasnt it?

 

In any event, I wont be signing, as I disagree with removing debt enforcement methods. I dont want to go further down the discussion though at risk of being flamed, and also others opinions differ so want to leave this thread as constructive for those who's opinions differ to mine :)

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Just signed the petetion. I have believe that if you take a UNSECURED LOAN at a igher interest rate then run into difficuties paying it back the banks should not be allowed to make the loan secure on the property equity. If wanted a secure loan you could have got before at a lower interest rate.

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Thanks for bringing this to everyones attention. The actual thread I started in relation to the petition is just below this one in the campaigns section. Here...

 

http://www.consumeractiongroup.co.uk/forum/campaign/144961-charging-orders-petition-sign.html

 

Mr Shed is of course entitled to his opinion and his and others thoughts have been debated in the original thread.

 

I hope we can persuade more people to sign as at present 68 signatures is not going to make a lot of difference I am afraid.

 

In order for the petition to get passed to the appropriate government department for a formal response (everyone who has signed it will get a copy of the response) it requires AT LEAST 200 signatures. Perhaps the site team could promote the petition or interested members could do their best to pass to friends and family.

 

With nearly 200,000 members I would have hoped it could have managed 200 signatures as threads about the dreaded charging orders are posted every day, there must be hundreds of threads alone.

 

Please can I ask for your help in one last big push to at least get the government to look at this. Mention it in any other forums you visit, emails to friends and families, put a link to the petition in your sig on other forums or indeed anything else you can do to spread the word.

 

Thanks for your help.

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Mr Shed is of course entitled to his opinion and his and others thoughts have been debated in the original thread.

 

Ah it was your thread FF!! I couldnt remember! :)

 

But yes of course, no intention of dirtying this one with that debate again - its been done :)

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Mr Shed

 

I am new to this site and am learnng everyday.

 

Is there a specific reason why you won't sign the petetion or a can I read the debate that is mentioned above. I understand that everybody is entitled to their opinion but I am curious to read yours.

 

I also agree with FF. Could the Site Team possibly promote this?

 

Thank you

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Hi tosh,

 

It is the link posted by Funky fox in his post. I really dont want to spoil this thread by even broaching the subject any further than I already have.

  • Haha 1

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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wow

 

Just read both sides of the argument.

 

I disagree with MrShed.

 

I think that charging orders should never be applied to unsecured loans. If you wanted a secure loan you could have got one, it was never anyones intention to defult on the loan/credit card. I am sure that in the current credit crunch, are struggling and most people will land on their feet sooner or later and be able to make higher payments. That just needs to enforced.

 

The Banks must hold some responibilty too. I know someone (just turned 22) with a £10,000,00 credit limit on his credit card who earns 13,000,00 a year. His balance is £9800,00 and he is struggling to make the minimum payment each month on this. The banks new his salary but kept upping the credit limit, and he is young and kept spending. He is also responsible.

 

We as a society need to be more finincially educated about this an d take responsibilty.

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I disagree with MrShed.

 

 

 

Fair enough :D

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Signed the petition.

 

With the state of the economy at the moment I can only see more repossessions taking place if this legislation is allowed to come in...

Jody123

Please note I have no legal training - the information I have has been gleaned from too many hours on this site! :-)

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