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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 
      • 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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unjust charges


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after almost 2 month i have received a reply which states:

the supreme court decided that as long as they are clearly set out, the level of unarranged overdraft fees cannot be assessed for fairness under the unfair terms in consumer contract regulations.

we believe you feel the charges are unfair and high however the outcome of the legal proceedings means theses fee are not penalties and under regulations the level of the fee is a reason for finding them unfair!?!?!

as a result we won’t be upholding your complaint or providing a refund of the fees.

please advsie what i can to from here as theses *ankers have taken over £450 from me and telling is it not unfair! is there anything that can be done?????

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have another go anyway! email eric danieles the ceo

eric.daniels@lloydstsb.co.uk (the banks are linked now that the gov. have bailed them)...he doesnt reply, but youll get final response from the ceo's office....

the f.o.s. would also sort it more favourably (i believe) if you based it on "snowballing charges"

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  • 4 years later...
Hi,

I have received a letter from Halifax in the post for a loan i took out just about 6 years ago.

 

It is a form to fill about Payment Protection Insurance.

 

I remember taking the loan out on the internet,

but obviously I can't remember ticking a box for PPI or an explanation about why I need to take it out.

 

The fact that they have sent me a letter suggests I may have a case to reclaim this money.

 

Can anyone advise on what grounds I would have to claim this back?

 

I have filled on some of the forms, and have my document checklist of CCA,

Policy Booklet and Demands and Needs Statement.

 

I was part-time when I took the loan out and I still am.

 

The questions I am not sure what to answer with are:-

Why did you decide to take out a PPI Policy?

Why are you unhappy with your policy?

What information were you given before you took out the insurance?

Can anyone guide me as to what type of answers i am looking for?

 

Any help would be greatly appreciated as this is a great forum,

sometimes there is too much information to take in!

Thanks

Jane

 

 

I have received the same letter.

 

I do want to claim back the PPI but not sure how to answer the same questions above to get a result.

 

What actually happened is the fact i took the PPI only on the basis that i can cancel it within 30 days

but when i did call back to cancel i was told that i need to do a new loan application !??!?!

 

I'm sure it was within the 30 day period.

 

but legally they should have canceled it.

 

i don remember receiving document on the cancellation policy of the PPI etc.

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own thread created

 

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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pers i'd never use their forms

 

use the FOS questionnaire

 

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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I had a similar letter. Completed and returned the forms as they asked, sent April 30th.

 

Also sent a SAR to Hx, so I can check for myself before accepting any offer. I know there were excessive charges made, prior to the OFT £12 ruling. They also messed me about back in 2006 after I had lost my job. They took payments for the card from my bank account, making direct debits for electricity and gas bounce as I was having to borrow money from family as I received no benefits. I got into all sorts of trouble, but they didn't take any notice of putting the account in dispute.

 

I'm quite looking forward the seeing the SAR, and claiming back any charges and interest added, as well as the PPI. Yes, they passed the account on to a debt collection agency but it's now statue barred. :madgrin:

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Joox - if this is what you were told by Halifax regarding cancellation, then this should be the basis of your complaint

 

I was going to to mention this but cant remember if i was sent full terms of the PPI and cancellation policy along with the loan. I don't want to mess things up.

 

and what does it matter how the loan was used ?

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The information that they gave you verbally was misleading - whether or not they also gave you the correct information in small print at a later date would not over-rule this.

 

 

In terms of what the loan was used for, this is generally not something that would greatly affect the case. However if you were consolidating debts and thus more likely to consolidate again in the near future this would make a single premium policy more unsuitable

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  • 1 month later...

I returned the Halifax PPI form about a months ago and recently received a phone call which pretty much asked the same questions. I was told I will receive a letter soon with their decision. have not heard anything. how long does this process normally take?

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Give them a call and ask - you'll need your claim reference, which is on the letters they send.

 

0800 151 0293 if a freephone number, 0845 601 4034 is on their letters and that comes back as 0113 279 8302 on the SayNoTo0870 site :-)

 

I sent my forms 30th April and got the offer on 10th June, the cheque arrived on the 21st June.

Edited by hillards
added date of cheque arrival

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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ok so I have back and they have made an offer.

 

my loan was around £3500 over 6 years ago.

what amount would be reasonable ad acceptable in your opinion?

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how would we know?

 

have you got the statements

or

the agreement to check it?

 

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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ok so I have back and they have made an offer.

 

my loan was around £3500 over 6 years ago.

what amount would be reasonable ad acceptable in your opinion?

Impossible to say as we don't know any of the details that they will have used to work out their offer.

 

In my case I accepted their offer as I was unable to work it out fully from the pile of information they sent me when I did a SAR. The statements and original agreement were there, but I don't have a maths degree and the figure they offered me was slightly higher than what I had anticipated.

 

It will depend on what amount of PPI was applied, if you kept up with payments, if the account defaulted, what direction the wind was blowing at 6.41am on April 1st...

 

Only you will know what is reasonable and acceptable.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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thanks..Just wanted to know a ball park figure from the other refunds.

Will try to read through all the paper work and try to work out. I was hoping for slightly more round number but i will probably accept their offer.

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Every claim is different, not just the original amount borrowed and the amount of PPI applied but also the date when the loan started, how many payments were made and much more.

 

The company lending the money know those figures, you may do too, but unless you've gone into a lot more detail on here in sharing that sort of information, we can't tell you if you would get a penny or a million quid. You can't even make comparisons with similar cases as they would not have the same figures and could be older or newer than yours. Time is a factor when working out percentages on the interest.

 

A value of £100 from exactly 10 years ago to the day would attract interest at 8% of £115.98, making a claim on £100 worth £215.98. But, if the claim was only 5 years old that same £100 would only give 8% interest of £46.96, a total of £146.96.

 

If you had all your statements and everything you could have worked it out, there are plenty of guides here on CAG, including those in dx100uk's signature ;-)

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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