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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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Help needed with ford credit


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Hi all

 

I need some help with a hp agreement i have with FCE.

 

Il try and keep it short, ive had to have an operation and therefore unable to work for about 4 months.

 

I phoned FCE to explain, and if i could pay £50.00 a month for a short period and make up the arrears over the remainder of the term.

 

I am on benifits until i return to work, and told them it was the best i could do.

 

There reply was unless i bought the account up to date it would be passed to a DCA for recovery, now ive paid about halve of the total credit, and really dont want to lose the car.

 

After we exchanged 3 letters or so, thier final letter/offer came today,we could pay £400 + over the next 3 months to get the arrears up to date, obviously thats not possible and they know it.

 

 

Im not trying to avoid the debt just trying to keep my car, i think they are being unreasonable, any advice/help would be most appreciated.

 

Thanks GG

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This is irrelevant but, i have Ford credit over 4 years on a new Fiesta. Im paying £165 a month and ive been asking them can i reduce my payments and make them up due to unforseen events.

 

Basically short run, no. Although im still upto date with the payments, im scared if i fall behind my 4 wheels are going to be reduced to "pedal powah" =(

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I used to work for Close Credit Management who Ford used as agents to home visit (by agreed appointment) Ford Credit HP agreements. The rules they lay out are very simple:

 

Full arrears or return the car.

 

The car has to be inspected by the adviser and a full report of the conversation submitted to Ford Credit within 48 hours. They do not compromise or take reduced offers in my experience even when we recommended it as best case scenario.

 

One good point is that no matter what you do, you only have to cover up to 1/2 of the original agreement or the arrears (if already past 1/2 way) if the car is given back which you can pay based on affordability and completion of an income and expenditure.

 

I know it is probably not what you want to hear and I have not worked for the company for 2 1/2 years now so things may have changed but after 2 years of working for motor finance companies (BHF, Online Finance, GMAC and Volkswagen were all clients at my time of employment) I did learn a few things that may be of use.

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Hi guzzleguts.

 

Sorry to hear about your problems. As another poster appears to state with some knowledge, it seems that FCE do not deal with arrears very sympathetically.

 

AFAIK FCE are a lender that only really operate at the very top end (known as Prime) of the market and expect their customers to pay on the nail. They know that if this is not the case then they canrecover the vehicle to mitigate their losses. I would imagine that the process of recovery would be even faster at the moment to offset the effects of rapid depreciation on cars (i.e. the quicker they sell the car the more money they get).

 

One important thing to remember is that, if they terminate the agreement in order to recover the car THEN YOU WILL LOSE YOUR RIGHT TO VOLUNTARY TERMINATE YOURSELF. As you appear to already be at the stage where you can do this, and FCE obviously don't appear to want to negotiate, if may be your best option to get your VT in first. Yes you will have to pay the arrears and you will lose the car, but this may be the better of two evils in the long run, because if they terminate the agreement the full balance will ultimately be payable. At the very least, it may motivate them into a more reasonable level of negotiation with you.

 

Hope that helps.

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Hi nevos

 

Normal payments £250 we are 2 and half yrs into a 5 yr agreement

 

Thanks GG

Hi, this was my point as RR states.

 

What happens is this, you write to them and tell them your returning the vehicle under the clause XX in your agreement. Tough but, your out from under, it will slow them or stop them dead in their tracks.

 

They may send a guy from BCA( British Car Auctions) to inspect the vehicle at this point, your expected to sign for any scratches etc, dings, torn seats.

 

If this happens to you my advice would be to:-

 

1) Ensure the car is as clean as poss for his inspection.

2) Take a full set of pics for yourself.

 

The game here is this, BCA or whoever they send will try to make a report whereby the Finance co will bill you for any work required.

 

Then you save your pennies buy a cheap car and there are loads of bargains around now. Bob's your uncle, you won't need to find £3K per year for the car.

 

They will threaten to black list you and bS like that but, ignore them, it is their problem once you let them know your backing it.:)

Donate to keep this site open

 

Any help or advice is offered as just that, help and advice without any liability. If in doubt consult a legal expert or CAB.

 

Make Cash Flow Forecast

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Thanks nevos and RR for your comments, they have stated that i could sell the car myself, long as i pay them back within 7 days of sale, it sounds abetter option than auction, where it might go for a trade price.

 

Would appreciate your veiws on this does it sound right that they would allow this.

 

Thanks GG

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Thanks nevos and RR for your comments, they have stated that i could sell the car myself, long as i pay them back within 7 days of sale, it sounds abetter option than auction, where it might go for a trade price.

 

Would appreciate your veiws on this does it sound right that they would allow this.

 

Thanks GG

 

Be very careful about doing this. Consider the total amount outstanding against the amount you woudl realistically get for the car.

 

If you sell the car yourself you are voluntarily surrendering the vehicle, and remain liable for the entire outstanding balance. If you voluntary terminate the agreement, at the stage you are at now, your only liability will be the outstanding arrears, providing you have looked after the car.

 

Also bear in mind that if you sell the car yourself, you will not get much more than trade price anyway. People only pay top money for cars when they have the safety net of a dealer's SOGA obligations.

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Hi,

 

You will have to be careful if you sell it, any buyer may HPI the car and see it is on finance. This would put them off. A dealer would pay the money direct to settle the HP.

Donate to keep this site open

 

Any help or advice is offered as just that, help and advice without any liability. If in doubt consult a legal expert or CAB.

 

Make Cash Flow Forecast

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If I were you I would give it back, as it stands you will never have to pay more than the arrears if you have already paid 1/2.

 

If Ford terminate the agreement that wiull be marked on your credit file but they will only ask you to pay up to 1/2 or the arrears in either case so you only damage your credit worthiness by holding up what is probably ineviable. Ford usually send their cars to Ford Approved Retailers and sell them that way if in good nick but either way this will not affect what you have to pay back if you VT.

 

Good luck and give me a shout if you want to discuss it further.

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Anything is worth a try if you can give exact amounts and dates they might consider it but if you neg on this they will have their pound of flesh. They are a ruthless bunch and do not have any concience when it comes to money.

 

Let me know how it goes....

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  • 1 month later...

Things have gone up a notch,

 

Fords agreed to 3 monthly over payments to cover the arrears, this was nearly double what i was paying, that was their only attempt to help me.

 

Near the end of Jan they sent a letter stating that unless i paid £***.**

by 2nd Feb the DEFAULT NOTICE would expire, now i hadnt received a DN so was a little surprised. That expired so i was waiting for the DCA to get involved, but then received a DN IN THE POSTON THE 10TH FEB, with new terms on it (dates amount to remedy etc).

 

Would like some advice how to tackle this even though the first DN wasnt delivered i still have proof it existed by way of their letter stating it does.

 

Can anyone advise me, ive read x20 tale of a dodgy DN which is similar to mine, but i just need a bit of direction please.

 

Thanks GG

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I'm no expert in DNs, and will ask someone who knows more to confirm whether this one is correct.

 

The 'late letter fee' appears to be both an unfair/unlawful penalty and contrary to the OFT Guidance - this may render the DN invalid because the sum claimed is wrong, and may also provide cause for a formal dispute requiring suspension of collection activity.

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