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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
  • 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
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hi i need advice i have 4 depts to 3 companies £12,000 to lloyds bank,£2000 to black horse another £1500 to black horse andd an egg cc £2000.

I retired from work 9 yrs ago after fiinding out i have parkiinsons disease ans live on benefits .ive reclaimed bank charges,ppi ect.ive tried a credit fix companyand now been advised to take an iva.

thing is i cant afford the payments on the iva £200 per month for 5 yrs !!

I have no assets i rent my house,the only thing i have of any value is my car a mitsubishil l200 07 plate bought with a loan from motability 6 months ago which i pay £180 pcm for direct from benefits.

ive been reading posts on bancrupcy and am considering this route any advice,and would the car be siezed as without it i am unable to get around as i can only walk short distances and live rurually ie public transport o

thanks

darren

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In cases like this this the OR is looking to see if they can recover anything. As the car is in negative equity the OR will sent a letter statting that he will not be adopting the agreement. This puts the ball back in the court of the the lender. Some lenders will take the car back, some will allow you to keep making payments. The OR looks sympathetically on Motability cases and will normally attach a letter asking that you be allowed to keep the car. All this means that i have never heard of a car in negative equity being taken back by Motability BUT every case is looked at on its own merits

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does the car have to be included at all as its paid direct fr om my benefits i have no problem with the payments as i never actually see the m oney so i dont actually class it as part of my income .i would like to continue with the arrangement for the car

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Hi there

 

Considering your circumstances, bankruptcy is a good option for you. You would need to declare your income and expenditure details, and all details of assets in your name, and it is down to the official receiver to look into this and see what he needs to realise/sell to repay the debt. You would not lose much by going bankrupt with you living in rented accomodation, and your Bankruptcy would only take 12 months and you would then be debt free. You would need an upfront cost of about £500 to set up the bankruptcy,but I would strongly suggest you look into this option further.If you have no assets of a high value, bankruptcy is not stressful, and it would be the official reciever dealing with everything on your behalf. The only thing is that the bankruptcy would be advertised in the newspaper.

 

Best wishes

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retired from work 9 yrs ago after fiinding out i have parkiinsons disease ans live on benefits .ive reclaimed bank charges,ppi ect.ive tried a credit fix companyand now been advised to take an iva.

thing is i cant afford the payments on the iva £200 per month for 5 yrs !!

 

name and shame these people - you are on benefits and there is no way you can afford let alone even suggest a huge commitment like a IVA that is only suitable for the minority of people in debt.

 

Your car should be safe but you need to declare it on yourSOA - you will only need to pay £345ish not the full £500 and there are charities that can help with the fees.

Consumer Health Forums - where you can discuss any health or relationship matters.

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companies are lloyds bank,and black horse all money grabbing ba*****rds

can you give me the names of charities who may help

 

I meant the names of the people trying ot get you into a IVA.

A search should throw up some charities.

Consumer Health Forums - where you can discuss any health or relationship matters.

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the people trying to get me into an iva are BACK TO BLACK AND CREDIT FIX. ive told themn that i wont be going ahead with the iva and they offered help with the bankrupcy , ive just had a call from them saying that the bankrupcy would cost me £500 and the chearge for their help would be another £500 !! they also said that when the b/c goes through the court woukd probably look at my income and make an order that i pay about £200 a month to my creditors for three years so its very similar to an iva,they also said that my bank account would be frozen and i would have to apply to the receicver to obtain money fro general living expenses. is any of this true? it seems very different to what ive read on here.if this is not the case can somebody tell me how to go about filling in the b/c forms and were to go for some free advice

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Hi, you can post questions about filling in the soa on here, i am usually about. The OR does not hold the reigns to your bank account or money during bankruptcy. But you may be asked to pay something to your creditors for 3 years. It depends on your income and expenses. Do you have any income that is not a benefit or a state pension. You can get the forms by phoning your local court. The cccs and CAB can help you for free. There are firms that fill in your forms for a fee but these are nt nessesarily any better then the free or do it oyurself options. Hources fo courses.

 

In conclusion, If you believe Br to be the only option, then get the forms. Have a go at filling them in, if you have trouble post any questions on here, if your totally lost seek some help free or otherwise

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  • 8 months later...

hi just thought id update you all .

bout two months ago i sent a letter to each creditor asking them to write off the dept

to ,y supprise no response from any of them !! and its all gone quiet, no letters ,phone calls nothing i havent even had a dca contact me !

what do yu think?

leave best allone or contact them ?

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Hi there dazz :)

 

Can see that you've had conflicting advice and would like to offer some based on my own experience.

 

Firstly NEVER use a private company to administer your finances as they will charge you the earth for something you can do yourself easily with proper advice here.

 

Have you had comprehensive advice from nationaldebtline, CCCS or CAB re: BR?

 

There are a number of charities/organisations that can help with BR fees. A previous employer's fund paid mine. CCCS advised that some utility comapanies have funds available to help. Make a phone appointment with them to discuss this issue.

 

Unfortunately DCAs and OCs do NOT go away they just wait and pass the accounts on. Did you mention that you were considering BR to them? If not, do so now in writing. That may make the difference as to whether or not they write off your debts.

 

Please give an indicator as to your income. Is it just benefits or do you have any private income?

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