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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 
        • 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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    • 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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Northern Rock unsecured loan PPI


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Long story short,

had a loan with NRAM fell into financial difficulty and have been on reduced payments.

 

Have never missed a payment and have paid regularly every month.

 

Have received a letter from NRAM saying that they have sold my existing balance to Marlin Europe

- no default notice or warning was recieved about this.

Marlin have also sent a letter insisting that "in order to help with my fiancial difficulty" they require details about;

my mortgage (house is in husbands name)

  • my husbands pension income (he's a pensioner)
  • any benefits I have coming in (don't have any although have recently applied for PIP due to a cancer diagnosis in November - am currently undergoing chemotherapy after extensive surgery)
  • general outgoings

This loan is unsecured and in my name only.

 

Do I have to provide them with this information by law?

I am also reaching the end of my 6 months full sick pay

- as of next month I will be on half pay and in even more financial difficulty.

 

I emailed Marlin on receipt of their letter and said that my pay would be reduced by half as of April,

 

I have no idea when I will be able to return to work and that,

at this particular moment in time, "it seems pointless to fill in this income/expenditure form at the moment as my financial cicrcumstances are due to change very dramatically"

 

I have received no reply from them either by email or letter despite resending the email.

 

All help and advice would be gratefully received.

"Never annoy a redhead - especially when she's a member of CAG!"

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No tell them, don't ask, that you will continue to honour the agreement you had with NRAM, no further correspondence will be entered into, take it or leave it, if they don't like it then they can go to the trouble of taking you to court where the judge will tell them exactly the same.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 3 weeks later...

Have successfully reclaimed my PPI from this loan with NRAM via the FOS but NRAM are delaying paying out.

This debt was sold on by NRAM to Marlin 4 months ago and NRAM have now informed the FOS that;

 

" they’ve told me that they’re getting legal advice about their approach.

This is because they believe they can apply the refund to the debt with Marlin

because it was a sale of an outstanding balance, rather than of a sale of debt.

I have told them that this is not in line with our approach,

and they want to get legal advice before they respond to me fully."

I am currently undergoing chemotherapy for ovarian cancer

- proof of which I have sent to the FOS

- and am in desperate need of this money to pay off an outstanding debt that is costing me £300.00 a month.

Somebody please advise on my rights on this matter

as I believe that NRAM has had more than enough time to resolve this situation for me

and now firmly believe they are merely stalling for time

and making interest for their company by withholding my money.

I am owed over £3,000 and we all know how much Marlin will have paid for the existing £2,000 owed!

I believe I am being bullied into using money that I was deprived the use of to repay

this debt even though I am making regular monthly payments

to Marlin and have never missed a payment.

All advice would be appreciated.

"Never annoy a redhead - especially when she's a member of CAG!"

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9 threads merged

please keep to one thread regarding this debt and the PPI etc

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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the FOS website clearly states that PPI cannot be off set against a sold debt.

 

have you spoken to the FOS about this?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Sorry about the multiple threads. This section in the above post;

" they’ve told me that they’re getting legal advice about their approach.

 

This is because they believe they can apply the refund to the debt with Marlin

because it was a sale of an outstanding balance, rather than of a sale of debt.

 

I have told them that this is not in line with our approach,

and they want to get legal advice before they respond to me fully."

is verbatim from the latest email from the FOS adjudicator dealing with these bullies.

I have been n sick pay because of my cancer and chemotherapy for the last 6 months

and it will be reduced from 725 a month to 390 as from the end of this month.

I desperately need this money - which they have been fobbing me off about for nearly 2 years now!

- to pay my gas and electric bills and my council tax is due at the end of this month

but now they're taking legal advice to offset the PPI money against the outstanding balance

that is only going to put money in Marlin's pocket

as NRAM sold it to Marlin in Oct of last year!

I am worried sick to the point of feeling suicidal!!!

"Never annoy a redhead - especially when she's a member of CAG!"

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no need for that.

 

the other way to look at this is you get the 8% portion

they cant offset that.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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