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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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    • 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.

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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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Advent Computer Training (Barclays Partner Finance)Info and discussion thread


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ive just been sent my letter asking to log on to computeach web site. I'm not happy to do so until I read a contract first!!! My head spinning..I have put in a complaint with FOS. Its been nearly two month my compalint when in in early to mid feb... I have paid out so that i didn't get hit with large interest rate and so I am not in breach of my side of the contract. I am happy to walk away from the contract but so they can compensate me with what I am right fully owed..

can I also be counted on the CAG for this too?

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However BPF have sent me a letter stating that raised concerns in an earlier letter I sent to them are being investigated and to expect a response on the 9th April detailed repsonse and if I wish to contact their customer realtions. they suggested that I contacted the FLA, but they cannot help as I have logged a complaint with FOS..hehhehehehehehehe what do I do now?

however the girl at FLA was polite listened..I guess thats all she can do and stated that once I am being dealt by one organisation they don't tend to help fingers in pies I guess hehehehehe.

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Got my letter from CT today too, I certainly will not be responding to it. Looking forward to seeing what Martin and the team come up with and I too will donate to this site as everyone has been so much help, don't know where i'd be without it. It's also good to know you are not on your own. Stick together guys x

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Hi All,

If anyone is worried about their Credit score due to not paying BPF, I've had a look on a CRA website and you can add notes as to why payments have not been met by you to your Credit report.

What is a Notice of Correction?

A Notice of Correction is a short (up to 200 words) explanatory note you can add to an entry on your credit report to explain the background to that information. Anyone searching your report in the future will see the Notice of Correction, and they must take account of it when you apply for credit.

If you would like to add a Notice of Correction to your credit report, please let us know the exact wording you would like to use. We cannot add a statement that is longer than 200 words or one we think is defamatory, frivolous or unsuitable for publication for some other reason.

 

 

Hope this helps

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Hi All,

If anyone is worried about their Credit score due to not paying BPF, I've had a look on a CRA website and you can add notes as to why payments have not been met by you to your Credit report.

 

What is a Notice of Correction?

A Notice of Correction is a short (up to 200 words) explanatory note you can add to an entry on your credit report to explain the background to that information. Anyone searching your report in the future will see the Notice of Correction, and they must take account of it when you apply for credit.

If you would like to add a Notice of Correction to your credit report, please let us know the exact wording you would like to use. We cannot add a statement that is longer than 200 words or one we think is defamatory, frivolous or unsuitable for publication for some other reason.

 

 

Hope this helps

 

That's really good to know, Thanks

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I too rec'd my letter and am writing to them to tell them im not accepting this new training provider - done a quick letter - this ok? Any pointers?

 

 

Dear Sir or Madam,

Account number: 0XXXXXXXXXXXXX

 

Ref: New Training Provider Computeach / Section 75 of the Consumer Credit Act 1974

I am writing again to request that you cancel the contract of the Fixed-Sum Loan Agreement of £6355.76 taken out in January 2009 for a training course provided by Advent Consulting Ltd. [/font]

I am not happy to continue with the new training provider you have found; they are not a suitable like-for-like or better alternative and I would like my loan to be cancelled and the account to remain on hold until this complaint is resolved.

My claim is made on the grounds that the company has gone into administration and you are jointly and severally liable for any misrepresentation or breach of contract with the above supplier under Section 75 of the Consumer Credit Act 1974, which states;

  • If you received unsatisfactory goods or services paid for under this agreement you may have the right to sue the supplier, us or both.

  • If the contract is not fulfilled, perhaps because the supplier has gone out of business, you may still be able to sue us.

You have 14 days to reply in writing and if you do not then the Financial Ombudsman will need to be contacted for the next course of action.

I look forward to a full and prompt response to this letter within 14 days.

 

 

 

Thanks for ur advise!!

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i will donate,as much as i can to this,cag have taken alot of stress off my shoulders,and eased my mind quite abit,even tho this is still going on,yet to be resolved,i hope we can all come together and sort this out.like to say thank you what ever the out come.lets hope its a good one.

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Hi everyone im new here as its my first post-been keeping up with this thread tho and just to say well done to everyone for their help!! keep this going.

 

Too many people i've come into contact with are trapped with this ***t contract with Advent and been telling them to check this site out!!

 

It certainly, well shows the number of people who are up for a fight with BPF.

 

A special thanks to CASHINS, for the advice!

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Good morning folks. I've still not received my letter from Computeach. I suspect it'll come today though. It'll be immediately ignored! I've compiled my complaint for the fos but was wondering if I should send it off now or await martins letter. Any suggestions folks?

 

Martin, do u know roughly when a letter may be ready?

 

Thanks again for your endeavour.

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I received a letter from computeach telling me I need to go to their site and then enter user ID and password they sent. To make sure the contact details for me are correct. I will be ignoring this and writing to Barclays but I need help drafting a letter. I reported via triangle but am waiting for a response. I understand it may take a few days because of the amount of people here. I'm just getting very nervous now.

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Good morning folks. I've still not received my letter from Computeach. I suspect it'll come today though. It'll be immediately ignored! I've compiled my complaint for the fos but was wondering if I should send it off now or await martins letter. Any suggestions folks?

 

Martin, do u know roughly when a letter may be ready?

 

Thanks again for your endeavour.

What is the letter coming from Martin?

Been on martin lewis website and can only find a thread on this but no letter?

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Signed with Advent in2007 on MCSE (£4,750) with loan from BPF which I then paid off with a loan from tesco. Have sent complaint letter to BPF and had a reply stating new provider will be in place by April. Not interested in continuing to study with Computeach. Will be now contacting the financial ombudsman as per these threads to take on a step.

I would like to join with CAG team and will be happy to donate!!;)

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