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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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Bailiffs- phoenix commercial collections


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Briefly, on 04/03/09 I had an unexpected home visit from Phoenix- Daniel kendrick and Chris Sharif. They have come to collect a council tax debt. I explained to them that I already have an arrangement with the council to pay £141 each month which I have been paying. I asked them to leave as I was taking my kids to school. Came back home to find an envelope stuffed with a notice before removal and notice of seizure of goods and inventory notes-

Arrears due to authority- £306.50

Levy Charge- £32

Enforcement Fee -£ 255

 

inventory to which this refers- My car on Hire Purchase Agreement

 

I called the Council immediately and demanded some answers as I did not receive any notice from them. The council explained that I was late in paying the installments and I owe £284. I informed the council that I have paid £142 on 02/03/09. The customer advisor checked my records and said I owe £140. I paid this amount immediately and asked her to inform Phoenix. I called Phonix to inform them that I have settled the debt with the council.

On 11/03/09 the bailiffs from Phoenix turned up and blocked my car and demanded £476.50 as enforcement fee. I declined and called the police of an illegal activity taking place in my residence.

The police arrived but said they had no power as these are certificated bailiffs from the court and have powers to seize the car. I demanded to see the authority from the council and the liability order from the courts but they refused. I was left with no choice but to pay £476.50 before they left my driveway to enable me to take my kids to school.

 

I need your advice and a model letter of complaint about bailiffs.

 

Thanks

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You've been well and truly screwed.

 

So to start from the top.

 

Template letters are usually in the wiki.

 

You, by the sound of it have grounds for a complaint against the bailiffs, and a complaint against the Police officers - which you should address to the Chief Constable himself, it's the only way it'll be taken seriously.

That doesn't mean they'll do anything though, but if you don't try you'll never know.

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I explained to them that I already have an arrangement with the council to pay £141 each month which I have been paying.

 

They were entitled to collect once the council passed the debt to them regardless of the arrangement you had. The council have a contract with them .

 

Came back home to find an envelope stuffed with a notice before removal and notice of seizure of goods and inventory notes-

Arrears due to authority- £306.50

Levy Charge- £32

Enforcement Fee -£ 255

 

inventory to which this refers- My car on Hire Purchase Agreement

 

The bailiffs were entitled to assume that the car was yours and were entitled to seize it. However, once they were informed that it wasn't your property but was in fact the property of the Hire Purchase Company, they should have released it from seizure and amended their records to show no charge.

A statutory declaration should be enough although some insist on the owner making an application to them directly.

 

I called the Council immediately and demanded some answers as I did not receive any notice from them. The council explained that I was late in paying the installments and I owe £284. I informed the council that I have paid £142 on 02/03/09. The customer advisor checked my records and said I owe £140. I paid this amount immediately and asked her to inform Phoenix. I called Phonix to inform them that I have settled the debt with the council.

 

 

It was important at this point to put that in writing, because you have no proof of that phone call, only of making the payment.

At that point the bailiffs felt justified in carrying on because they clearly believed they had lawfully seized your car.

 

 

On 11/03/09 the bailiffs from Phoenix turned up and blocked my car and demanded £476.50 as enforcement fee. I declined and called the police of an illegal activity taking place in my residence.

 

Unless you had provided evidence that the vehicle was NOT your property it's difficult to see how they could have done anything else.

And the Police haven't got a clue - they aren't called wooden tops by their detective colleagues for nothing, who aren't always the sharpest tools in the box themselves. The police, unless you are lucky, will take the line of least resistance and will assume the bailiff is telling them the truth.

 

 

I demanded to see the authority from the council and the liability order from the courts but they refused.

 

That's typical, they probably didn't have it with them anyway.

 

 

I was left with no choice but to pay £476.50 before they left my driveway to enable me to take my kids to school.

 

So let me see, so far you have paid them:

 

Arrears due to authority- £306.50

Levy Charge- £ 32.00

Enforcement Fee - £255.00

Enforcement Fee - £476.50

Which I believe totals = £1070.00 that you have paid on top of the money you owed the council.

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Thanks for your quick response. I made an appointment with the council on 11/03/09 afternoon. I had a meeting with an advisor who informed me that the discussions and protest with the customer advisor on the phone had been recorded on my file.

Secondly, she advised me to make a formal complaint to the head of revenue and also a complaint to the the bailiffs company.

Where is wiki- I am a novice to all this

I paid £476.50 to the bailiffs on 11/03/09 and arrears of £140 directly to the council on 04/03/09.

Please help me to recoup this money with interest/compensation

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Thanks for your quick response. I made an appointment with the council on 11/03/09 afternoon. I had a meeting with an advisor who informed me that the discussions and protest with the customer advisor on the phone had been recorded on my file.

 

That sounds like a nice honest person, but be warned they may be in a minority at your council office and if (as happened to me) they changed computer systems and for some reason lose access to those files then you've no proof. What you should do is send a polite letter confirming everything that was said in the telephone conversation and as them to confirm that their records agree with yours.

 

Don't leave it to chance, it cost me nearly £4000 in council tax I shouldn't have had to pay, and still owe today.

 

Secondly, she advised me to make a formal complaint to the head of revenue and also a complaint to the the bailiffs company.

 

I always suggest doing it in this order: written letter to bailiffs, scanned and emailed to them, email copy to council tax dept, head of revenue, your councillor, and your MP.

 

 

Where is wiki- I am a novice to all this

 

Right at the top of the page although it's often worth browsing previous threads because some of the letters are cracking, that's how I did it.

http://www.consumeractiongroup.co.uk/forum/bailiffs-sheriff-officers/120845-rossendales-final-reminder-i.html

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I paid £476.50 to the bailiffs on 11/03/09 and arrears of £140 directly to the council on 04/03/09.

 

Well the arrears of £140 were owing to the council so thats gone.

 

But the £476.50 (not £1070 :oops: ) is a different matter.

 

 

I would begin at the beginning and complain about the levy upon the HP Car, because that is the foundation on which they built their fees and actions.

 

You should get a statutory declaration witnessed by a solicitor to say that the car does not belong to you, and write to them asking for the return of the money incorrectly levied. They'll refuse of course giving some reason but that's ok, post back when you get that reply.

 

Make sure a copy goes to the council asking them for the money as well.

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  • 1 month later...

I have never been in favour of naming a bailiff on an open forum but as this post has had the name on here for over a month I will confirm that if you are considering making a formal Form 4 Compliant to the court about this person then all enquiries need to be made to Redditch County Court and the bailiff is self employed.

 

The fees are NOT RIGHT and the entire responsibility for the fees is with the local authority to sort out. The bailiff is their AGENT and they cannot abdicate responsibility.

 

You are entitled to a large refund....NOW.

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