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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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MandM vs Egg Loan ***Won with Strike Out***


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Is this DN worth arguing???  

2 Caggers have voted

  1. 1. Is this DN worth arguing???

    • Yes, argue all the way!!!
      2
    • No, they've got you beat.
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The restons letters above are horrifying to read. They can't possibly serve a default notice on an account that's already been terminated, can they?

 

At first sight I'd call that fraud. Am I missing something?

 

they can try!!

 

those letters are LUVERLY to read not horryfying

 

thank you Restons

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The restons letters above are horrifying to read. They can't possibly serve a default notice on an account that's already been terminated, can they?

 

At first sight I'd call that fraud. Am I missing something?

 

No, they cant. :lol: But you would be surprised how many times they have tried :rolleyes:

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Just a little update here. I was in court today and cited my DN's and lack of Termination Notice as reason to Set Aside my CCJ.

IT WORKED!!!!!! I now have 14 days to notify the claimant of my full defence.

 

Here is my link!:

http://www.consumeractiongroup.co.uk/forum/legal-issues/247688-default-notices-court-dates-2.html#post2830572

 

Something is working that is for sure!!!!!!

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Just a little update here. I was in court today and cited my DN's and lack of Termination Notice as reason to Set Aside my CCJ.

IT WORKED!!!!!! I now have 14 days to notify the claimant of my full defence.

 

Here is my link!:

http://www.consumeractiongroup.co.uk/forum/legal-issues/247688-default-notices-court-dates-2.html#post2830572

 

Something is working that is for sure!!!!!!

 

:D:D:D Well done!!!

 

M

 

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The restons letters above are horrifying to read. They can't possibly serve a default notice on an account that's already been terminated, can they?

 

At first sight I'd call that fraud. Am I missing something?

 

i think what you are missing is:-

 

a/ Both letters contain an admission that a faulty DN is fatal to a claim- which makes restons arguing the opposite very difficult

 

b/ The application to re issue a new DN and amend the POC was refused

 

c/ Restons eventually discontinued

 

what's not to like:D

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Hence DDs statement>>

without even having to produce it to the judge (but making sure that Restons lawyer can see it on the desk)

 

I think its potential, just by reference alone, would cause them great concern. :D:D:D Happy days.

 

M

 

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  • 2 weeks later...
Hey.....CONGRATULATIONS MandM! I wondered where you had vanished to and came across this link by accident while reading another link. FANTASTIC outcome for you......well done!

 

Thanks SB. Haven't vanished just yet ;), just buried in work atm.

 

M

 

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  • 2 weeks later...
I missed this thread completely MandM... been too wrapped up elsewhere.

 

Great work!

 

Thanks vj. Still waiting to see if they dare appeal. All quiet so far :)

 

M

 

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  • 1 month later...

Well, this is getting interesting again!

 

Have received a letter from the solicitors enclosing a NEW default notice :rolleyes:. They've had a few months to think about it now - no calls, no contact - and obviously decided that the appeal route is far too risky.

 

These are the same solicitors that confirmed almost a year ago that the account was now terminated and then proceeded straight to court.

 

Just looking for a nicely worded reply to give them.

 

M

 

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out of interest, what have they put down as arrears? arrears at termination or arrears as though repayments should have been made

 

Here's a letter from DD totally different circumstances, but there are some nice pointers http://www.consumeractiongroup.co.uk/forum/legal-issues/242517-storecard-claim-served-what-9.html#post2830927

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Need to have a good search of teh forums for a more complete letter. I think a killer letter in these circumstances is needed as more and more creditors are doing this.

 

Maybe some of the 'letter experts' can get onto this ........

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that was my hack of DD's post :D

If you find my advice helpful - please click on my scales

<<<<<< - they're over there!

Well, it's a funny black star now ...

The small print - any advice I give is freely given on the understanding that I am a layman and am not legally qualified in anyway.

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Well, this is getting interesting again!

 

Have received a letter from the solicitors enclosing a NEW default notice :rolleyes:. They've had a few months to think about it now - no calls, no contact - and obviously decided that the appeal route is far too risky.

 

These are the same solicitors that confirmed almost a year ago that the account was now terminated and then proceeded straight to court.

 

Just looking for a nicely worded reply to give them.

 

M

 

Once a DN once issued, and terminated, cannot be followed by a second DN, as the "agreement" has been terminated, so it follows you cannot default an account which does not exist!

 

So the only DN that could be valid is the FIRST one so by when proceedings have commenced the Claimant will have terminated the agreement. The language of a default notice is framed on the basis there is a current agreement. That language is prescribed. If the Claimant terminated the agreement, to deliver an effective default notice will involve the fiction the agreement is current and never terminated. It would also involve the Claimant reinstating unilaterally. The debtor would be unlikely to agree to reinstatement if to do so would cure the Claimant's difficulties.

One good thing appears to be that they are admitting the 1st Default Notice is defective. It therefore follows that by starting Court Action, their client Terminated the Agreement unlawfully, because they had failed to secure a valid Default Notice before doing so. Thus, they are admitting they started Court/Terminated when they were in no position to do so lawfully, having lost all the benefits of s87.

 

That is unlawful rescission of Contract/repudiatory breach of Contract...for which you can ask them for compensation :)

 

Fairbyblues thread may help you with this one....I had that info above stored from there so may help you on this

fairbyblue /MBNA-Restons Court 20th.March-they have issued 2 default notices./ **WON**

(you may want to read back a little on here but hope it helps)

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Need to have a good search of teh forums for a more complete letter. I think a killer letter in these circumstances is needed as more and more creditors are doing this.

 

Maybe some of the 'letter experts' can get onto this ........

 

 

that was my hack of DD's post :D

 

Yes, it was a DD post I used in my original defence to argue the point on the day (should I have needed it) as to why they could not just simply correct the situation by issuing a 'new' DN. It makes a nonsense of the whole act if we can just simply 'correct' the situation now by complying with the 'new' DN.

 

Pretty sure it's along the lines of >>>> For a valid DN to be issued then the 'agreement' between us must still endure. However, they claimed the full amount = terminated. They took me to court for the full amount = terminated. They wrote and confirmed termination = terminated.

 

M

 

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M

 

I think they either terminated, ended, finished, concluded or waved "bye bye" or "goodbye" (but definitely NOT "au revoir") to it. Monty Python's "Dead Parrot" sketch can probably give you a few more synonyms for the current state of the agreement if you need to clarify the situation back to them!

 

BD

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