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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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I have been asked to go to see a Welcome representative to discuss a missed payment. I can no longer afford the monthly payments on the car & have asked welcome to reduce them. I have made 18 payments so far & have 30 left.

They have asked me to prove why I can no longer pay the full amount. Should I sign another contract? What rights do I have?

 

Thanks,

 

Louis

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I dont know much about these car agreements. Only what I read on this forum. Do not sign a new agreement though thats for sure because it certainly wont make you any better off with Welcome Finance and only they will get something out of it. From what I understand if you have paid a third you can give the car back..Postggj will be along at some stage soon and am sure he will advise. Dont panic into a new agreement though please !!!

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Hi,

 

There is no default notice, probably because I initially wrote to them explaining that I could not continue to pay the full amount. So they are asking me to go into their local office to re-negotiate the deal, hopefully for lower payments. I am unsure about signing a new contract though. Would I have to sign it there & then or do I have the right to take it home & take a better look?

I cancelled the PPI after the first two days.

 

Thanks,

 

Louis

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  • 2 weeks later...

Visited Welcome today, there office is next door to the FOS, which I thought was ironic.

 

They will reduce payments from £221 a month to £96 but this is now based over 10 years. I only owe £6500 though so this seems a little high.

 

Need to make a decision by Monday because they can only allow 2 people in a set period to reduce payments, so it's a first come, first served basis.

 

Louis

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whatever you do do not sign a new agreement with them your current agreement is more than likely to have enough holes in it to render it unenforceable, and if you sign a new agreement now they will make sure the new agreement is bulletproof and your £6,500 will spiral out of all recognition on a ten year plan, these people are only willing to re new your agreement because your current agreement is not worth the paper it is written on or they have lost it, please wait and get more advice from this site dont let them pressure you into signing or you will regret it for years and years to come, this company is about to fall off the map and are desperate to get cash in by any means they can so again dont trust them, dont speak to them on the phone or in person only by letter and for the sake of your future Please do not sign a new agreement

regards

jdene

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I'll second that jdene. Louisd77 - Do not sign a new agreement!

 

Take a look at your agreement, it will state the 1/3 figure. Once you hit that they can not repo without a court order. You must hit 1/2 before you can VT.

In the meantime, you must send a CCA request to compliance at Nottingham, £1 postal order, recorded delivery, do not sign it. Once you get that you will be in a better position to move forward.

 

The bit about 2 rewrites per period is a lie. Absolute barefaced lie. They want to create a new, tighter, agreement, far more interest, more fees etc. They are not trying to help you, they are trying to help themselves.

 

Step 1 - CCA

Step 2 - see step 1 !

 

I'll give postggj a shout and see if he can pop by.

T2

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hi all

 

been asked to drop inn

tell me

you said you cancelled the ppi after 2 days, did you sign a new afreement

did your repayments go down

did welcome acknowledge by a letter about the ppi being cancelled

 

send welcome a cca request to begin with

 

on monday phone these people

 

Direct Group - Where Insurance and Innovation Combine - Home Page

 

ask them if you have any active insurance products with them

 

keep it simple

 

if you have say ok and get back to me asap

 

DO NOT SIGN A NEW AGREEMENT UNTILL IVE GONE OVER EVERY THING WITH A FINE TOOTH COMB

 

IF WELCOME WANT YOU TO SIGN A NEW AGREEMENT

 

ASK YOUR SELF WHY

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I have a appointment with Welcome tomorrow. I don't want to sjign another contract, especially one which is going to cost me £11520 for a car which is probably worth £3000. Plus I have already paid £3757. There is now pressure on me to sign & not miss the appointment.

 

Any suggestions would be appreciated.

 

Louis

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