Jump to content


  • Tweets

  • Posts

    • 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  
  • Our picks

    • 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
        • Like

Egg - County Court Summons - could anyone help please?


Sunshine54
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5236 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

evening Magda

 

thanks. I've tidied it up, got rid of the typos and made sure that all the points are numbered for ease of reference later and now got two copies ready for tomorrow. One will be hand delivered to the Court in the morning and one posted to the Solicitors.

 

thanks again for your help Magda.

Sunshine

 

No problem, if you need any more help, just shout.

 

Magd:)

Link to post
Share on other sites

  • Replies 318
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

good evening

 

this is probably a true 'Numpty' type question but I'm tired and not concentrating.

 

Does the loan agreement have to put the total amount that would be repaid includng interest or just have the total amount ie loan plus PPI and then the APR and number and amount of monthly repayments?

thanks in advance

S

=================================================================

remember

 

the Sun is always shining, it's just that you can't see it sometimes

Link to post
Share on other sites

hi Steven

 

thanks for the response. so, to be very clear (cos my brain is very muddled) when we say 'total cost of credit' is that the amount of interest (assuming that there are no other charges to be added)?

many thanks

S

=================================================================

remember

 

the Sun is always shining, it's just that you can't see it sometimes

Link to post
Share on other sites

It has to have the total amount of the loan plus how the loan is to be repaid. To be properly executed it must also have the total cost of credit

 

 

Can I just butt in here?

 

Steven, are you saying the Loan MUST have to total amount to be repaid including interest?

 

My Egg Loan shows the amount borrowed, but their is no cost for the interest shown, only something like Interest 8.4% and APR 7.5%. These figures are just out of my head, but that is how it is listed.

 

There is also no TOTAL amount to be paid back, shown. Only something like 84 payments of £208, to be paid untill the outstanding balance is paid off.

 

Any comments on this please?

 

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

Link to post
Share on other sites

HI NP

feel free to butt in ...

 

that's what I'd like to establish cos I find it slightly confusing.

regards

=================================================================

remember

 

the Sun is always shining, it's just that you can't see it sometimes

Link to post
Share on other sites

Sunshine, which page is your CCA on? Do you have it scanned up? I`d like to take a peek

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

Link to post
Share on other sites

hello

 

I've got a question re documentation and information requests that I've made.

 

I received a stack of paperwork from Egg under a SAR but it's not complete. Because of the court proceedings the request for that info has been subsumed into the requests for info under 31.14

 

 

any advice gratefully received

S

Edited by Sunshine54

=================================================================

remember

 

the Sun is always shining, it's just that you can't see it sometimes

Link to post
Share on other sites

With a cpr 31.14 request for specific disclosure, they only need to provide copies/inspection of something that has been specifically mentioned in their statement of case, because to mention it is to disclose it. If it hasn't been mentioned specifically then cpr 31.14 doesn't apply. As far as the SAR goes, they should be providing transcripts of tel calls etc (if any exist) in response to this, and if they haven't, then they haven't complied with your request. You shouldn't have to give specific dates as they should be providing details of all the data they hold. Is there a specific phone conversation(s) that you are interested in, or do you just generally want to see the records? Magda

Link to post
Share on other sites

hi Magda

 

nice to hear from you (should have known you'd come to the rescue lol)

 

 

 

When I put in the SAR I quoted 2 specific loan agreement numbers but they sent partial details for three credit cards too. Do I need to send another request and £10 to ask for everything they have on me as a customer?

many thanks

S

Edited by Sunshine54

=================================================================

remember

 

the Sun is always shining, it's just that you can't see it sometimes

Link to post
Share on other sites

hi Magda

 

nice to hear from you (should have known you'd come to the rescue lol)

 

I'm keen to get the telephone conversations during the period of my redundancy to show that they didn't process a claim as they simply told me that I wouldn't be covered as not receiving benefit. There are a few other details I'd like but that one would be useful. There are others that would be 'interesting'

 

When I put in the SAR I quoted 2 specific loan agreement numbers but they sent partial details for three credit cards too. Do I need to send another request and £10 to ask for everything they have on me as a customer?

many thanks

S

 

Hi Sunshine, don't know about coming to the rescue:D I would write to them again, and don't send £10 because you have already paid once, so certainly shouldn't have to pay again. I would just specify that you require all telephone call transcripts which they are legally required to provide, but specifically require transcripts for the period from xxxx to xxxxxxx (which could cover a period of several months even) That way, although you shouldn't have to give specific dates you are probably more likely to get the info you want.

 

 

Hope this helps, Magda

Link to post
Share on other sites

Bumping this!

 

I don`t know SS, perhaps Magda or someone will be along soon to advise.

 

Good luck anyway!

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

Link to post
Share on other sites

Hi, sorry don't know very much about counter claiming, or the fees involved.

 

not sure if it depends on the amount being counter claimed or not.

Hopefully someone with a bit more knowledge on this will help shortly. Might just be an idea to ring the court and ask them if a fee should be paid, although I'm sure also that there are lots of posts/threads explaining counter claims on the forum - if I happen across anything will let you know.

 

Magda

Link to post
Share on other sites

Hi Sunshine,

How long ago did you put in your counterclaim?

There is a fee to pay, which I think is £225 or thereabouts currently. If you're in receipt of benefits you can get full fee remission however. What should happen if you didn't include the fee when you sent your counterclaim in with your defence is that the court should write to you, giving you a short time in which to pay the fee (7 days I think)

Hope this helps.

Link to post
Share on other sites

  • 2 weeks later...

good morning all

I received a copy of the response to my defence and counterclaim and it makes interesting reading

 

I'm going to spend some time addressing each of their responses in readiness for the next hearing and I'll no doubt be back on here asking for guidance

got my first question

 

I said that the agreement is a multiple agreement within s18 of 1974 CCA

they t say that even if it is a multiple agreement it would still be enforceable because of s65 of the Act

 

anyone advise or point me in the right direction?

thanks in advance

Edited by Sunshine54

=================================================================

remember

 

the Sun is always shining, it's just that you can't see it sometimes

Link to post
Share on other sites

Hi Sunshine, I would have a really good read of the following thread: re PPI and multiple agreements.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/171037-multiple-agreements-falling-within.html

 

As far as section 65 goes, when did you take out the loan, if it was before April 2007, then section 127 (3) would apply:

 

(3) The court shall not make an enforcement order under section 65(1) if section

61(1)(a) (signing of agreements) was not complied with unless a document (whether

or not in the prescribed form and complying with regulations under section 60(1))

itself containing all the prescribed terms of the agreement was signed by the debtor or

hirer (whether or not in the prescribed manner).

 

In which case the claimant is talking rubbish.

 

And I would think the merits of your argument re: section 18 would apply anyway, regardless.

 

Magda

Edited by MAGDA
  • Haha 1
Link to post
Share on other sites

Excellent Magda.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

hi Andy/Magda

 

many thanks

 

 

I'll be back

regards

S

Edited by Sunshine54

=================================================================

remember

 

the Sun is always shining, it's just that you can't see it sometimes

Link to post
Share on other sites

  • 2 weeks later...

good morning all

 

I haven't paid much attention to this for the past couple of weeks for a number of personal reasons

 

The case management hearing is coming up and I'm not sure how much detail I need to have provided to the Judge for the purpose of that hearing

 

could anyone advise?

many thanks in advance

=================================================================

remember

 

the Sun is always shining, it's just that you can't see it sometimes

Link to post
Share on other sites

Hi Sunshine

 

Just a quick update on my situation. I had an Egg cc with the aproved limit on the agreement. My solicitor told me that it was very risky to go to court.

 

So I decided to offer full and final settlement with Drydens. The amount was over 18K and they agreed to 9K after some haggling.

 

I feel this was the best route for me and just thought that I would let you know that Drydens will settle.

 

Best of luck

 

Ron

Debts settled £135K

discount so far £68K :)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...