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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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    • 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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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      • 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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VT v Nat West Bank / * * SETTLED IN FULL * *


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My son is claiming back £320 of charges from 2000 and 2001. We read through the forum and started with the first letter only 10 days ago. Has anybody else noticed that NatWest seem to be on speed? Look at these dates:

 

First letter to branch, request for repayment of charges 17 July

Reply from CS, saying s*d off 21 July

Second letter to 135 Bishopsgate, LBA 23 July

Reply from Stuart Higley, saying p*ss off 25 July

MCOL request filed 27 July

 

Actually, Stuart Higley's name was on the bottom of the letter, but it's pp'd by somebody else, possibly NJ the typist according to the reference? I wonder if Stuart is on holiday or perhaps sick leave? Stress? Overwork? :wink:

 

Thanks very much to everybody who has posted, especially those who have created the spreadsheets and templates. We'd never have got this far without you all!

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Received a Notice of Issue from Northampton CC today. The claim will be deemed to be served on 2nd August, and the defendant has until 16th August to reply.

 

I suppose Cobbett's will file an acknowledgement of service which will give them until 30th August. Then I've got CPR18 to look forward to, and perhaps a 50% offer. It's all so predictable, isn't it? I wonder if they read this forum so they know that we know they know?

 

Roll on September ......

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i think they do know that we know. they properly just taking their time, so that the money can be left invested on stock market or some kinds for couple of more weeks before refunding their customers.

btw, thx again for letting me know that Higley's letter. i thought it was because i didn't send DPA letter nor LBA nor the spreadsheet.

Apple

 

NatWest - MCOL issued 31/07/06; NW acknowledged 03/08/06; NW Defended 31/08/06; Cobbetts offered 60% 27/09/06; NW settled in FULL!!!! 07/10/06

Halifax cc - LBA sent 27/07/06; No Chance

First Direct - Data Protection Act sent 25/07/06; PRELIM sent 07/08/06; Offer received 12/08/06; Refused 18/08/06; 2nd offer rec'd 23/08/06 £1405 without interest (£172) and we accepted:grin:

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Update, NW have filed a defence today so they seem to have stopped hanging about to the last minute.

 

First letter to branch, request for repayment of charges 17 July

Reply from NW customer services, saying 'no way' 21 July

LBA to 135 Bishopsgate, 23 July

Reply from Stuart Higley, saying 'hell will freeze over first' 25 July

MCOL request filed 27 July

Defence filed 2rd August

 

There doesn't seem to be any mention of acknowledgement of service, so does this mean they only have 14 days instead of 28? MCOL help pages say 'The defendant should complete and submit his defence within 14 days of the date of service of the claim, unless an acknowledgement of service was filed, in which case he should respond within 28 days from the date of service.'

 

Where would I find out if an acknowledgement of service was made?

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Update:

 

First letter to branch, requesting repayment of charges 17 July

Reply from NW customer services, saying 'no way' 21 July

LBA to 135 Bishopsgate, 23 July

Reply from Stuart Higley, saying 'hell will freeze over first' 25 July

MCOL request filed 27 July

NatWest defence filed 1st August

(15 days from first letter to filing of NatWest defence).

 

Interestingly, the signature on the Acknowledgement of Service form was A. Rogers, whose mail address as the defendant's solicitor is alex. rogers @rbs co uk

 

Does this mean that NatWest aren't bothering with Cobbett's any more and are doing things themselves? Perhaps that explains why my case has been going through so quickly - nobody is bothering to play Cobbett's games.

 

Is anybody else moving this quickly, or are things being delayed as long as possible?

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Well as you know mine is going through at EXACTLY the same time as you so hopefully we may get an offer soon.

There is so much info that flies around these forums I'm not sure what we are aexpecting to get next. Is it the defence we are witing for now?? an AQ from the court.. It is very confusing isnt it :confused: :confused: :confused:

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Just a quick one.

Have just read a thread by Ms Norverrob, if you havent already had a look. The claim was to be deemed served on 6th and has received a cheque for the full amount today??

Maybe Natwest are trying to clear these claims quickly now. hhhmmmm...

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Today, Friday 4th, I've received a registered letter. My lips are sealed, I can say no more, but I'm VERY, VERY, VERY happy. No need to update anybody any more, I'll write to the Court to cancel my claim.

 

Donation to this site soon ........ but first I'm off out tonight for a slap-up dinner as a 'thank you' from my son.

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Chris and Michelle - thanks for the congrats. I'll stick around to make sure you both get as good a result as I have .... it's only a matter of time. Perhaps even quick enough to be Michelle's holiday spends?

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Just a quick one.

Have just read a thread by Ms Norverrob, if you havent already had a look. The claim was to be deemed served on 6th and has received a cheque for the full amount today??

Maybe Natwest are trying to clear these claims quickly now. hhhmmmm...

 

I've checked back through some posts and MsNorverrob's claim was for round about the same amount as yours (range £750 to £1000), so perhaps you will be lucky too.

 

Another couple of days and perhaps we will be able to draw some conclusions from this week's NatWest responses.

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Congratulations

can we please ask you to take a minute to fill in out survey and also consider making a donation to the site so we can continue to help others reclaim their charges to

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Congratulations, great to see a sucuess story for all of us who are still going. It'll be interesting to see whether Natwest have finally decided to stop throwing money down the drain with Cobbitts.

SNATCHWEST and NOBBETS no scare me!

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Congratulations :D

 

It makes you wonder why these banks havent revised their stupid charges with so many people claiming all their money back, maybe they are still making so much out of us they are still making a massive profit.......

 

SPREAD THE WORD!!!!!

 

LETS BRING THESE GUYS DOWN

 

 

------------------------------------

Natwest Claiming ????

 

*Sent S.A.R request 25th July. (enlocsed £10)

*Received letter requesting payment for £5

*Sent Cheque for £5 with covering letter 18/08/06

--------------------------------------

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  • 1 month later...

Hi there! At the moment I'm in the very last stages. We've both sent in allocation questionnaires. I've paid extra money out to court and I've sent natwest a list of charges and dates. Its a waiting game... does anyone know what happens now? I've been reading I should be offered half(ish) soon?? I will update this soon with dates and actions.....

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