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    • Please can you avoid posting solid blocks of text. It is difficult for people to read especially when they are using a small screen such as a telephone. Well spaced and punctuated please. I hear what you say about the evidence – but do you have copies of it? And if so can we see it please. That's the point. We want to know what you have. As long as you have the evidence in your possession then you have some kind of control
    • 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
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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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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      • 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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Did IF charge alot for your statements?


carriel1975
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I requested my statements earlier & got an e-mail this evening saying they would send them at a cost of £60 :o I responded no thank you! I have asked instead for a breakdown of charges applied to my account over the last 6 years, lets see what they say now?

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Carrie

 

See your other thread - best to keep one thread going for your claim with IF. then everything kept together and people can help you more with your questions

Lloyds TSB £395 Decree awarded against TSB

HBOS £750 setted in full

IF £750 Small Claim filed 26/10 - won unconditionally

Barclaycard £110 + Data Protection Act Non compliance Information Commissioners Office complaint. Small Claim filed 12/10 - Won unconditionally

HBOS2 £750 small claim settled in full

MSDW £115 Settled- accepted Full amount unconditionally

HBOS3 £750 Settled in full

HBOS4 £750 Small claim filed for return 15/1/07 No defence filed Decree issued by court

Clydesdale Bank Credit Card £496 small Claim filed 25/10 Court hearing 19/1/07 - continued for 2 weeks

Mrs Claimital's M&S Card £60 LBA sent 12.10 - Full refund & interest accepted by Mrs Claimitall

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Hi claimitall, thank you for your reply & the reply to my post in the intro room.

 

I didnt think it would be a problem putting this in the IF room in addition to my original post, as that was an introduction to myself, as recommended where as this is specific to my claim against IF.

 

If it is OK, I would like to continue to log the details of my claim against IF on this thread, it would get lost over in the other room & I'd like to be able to provide easy to find info for anyone else starting an IF claim.

 

I have read & re-read the FAQs & most of the info on the site, so I am ready to go into battle lol.

 

Good luck with your claim

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Thank you Karnevil, yup, I requested the info under the data protection act, i've always corresponded with them via e-mail & did so with this request, before I found this site & read its recomendations, if I do not get an e-mail reply today, I will follow it up with the letter as advised.

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They have just replied, they have passed on my request for details of charges & they should be here 'shortly' they normally charge £10 for this service, but because we are a valued customer they are sending it free of charge.

 

So far so good..............

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I did mean you to keep everything here on the IF thread carrie.

 

Good luck

Lloyds TSB £395 Decree awarded against TSB

HBOS £750 setted in full

IF £750 Small Claim filed 26/10 - won unconditionally

Barclaycard £110 + Data Protection Act Non compliance Information Commissioners Office complaint. Small Claim filed 12/10 - Won unconditionally

HBOS2 £750 small claim settled in full

MSDW £115 Settled- accepted Full amount unconditionally

HBOS3 £750 Settled in full

HBOS4 £750 Small claim filed for return 15/1/07 No defence filed Decree issued by court

Clydesdale Bank Credit Card £496 small Claim filed 25/10 Court hearing 19/1/07 - continued for 2 weeks

Mrs Claimital's M&S Card £60 LBA sent 12.10 - Full refund & interest accepted by Mrs Claimitall

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Carrie,

 

IF also sent me a list of charges free of charge, but what they didnt provide was any info on manual intervention or lack of it so if you want to be fully prepared then possibly a letter regarding this needs to be on file. Up to you though, sounds like you are on the ball with this

Lloyds TSB £395 Decree awarded against TSB

HBOS £750 setted in full

IF £750 Small Claim filed 26/10 - won unconditionally

Barclaycard £110 + Data Protection Act Non compliance Information Commissioners Office complaint. Small Claim filed 12/10 - Won unconditionally

HBOS2 £750 small claim settled in full

MSDW £115 Settled- accepted Full amount unconditionally

HBOS3 £750 Settled in full

HBOS4 £750 Small claim filed for return 15/1/07 No defence filed Decree issued by court

Clydesdale Bank Credit Card £496 small Claim filed 25/10 Court hearing 19/1/07 - continued for 2 weeks

Mrs Claimital's M&S Card £60 LBA sent 12.10 - Full refund & interest accepted by Mrs Claimitall

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Rang up Halifax card services - re IF Credit Card and asked for all the STATEMENTS and received the WHOLE lot!

 

This includes all the accounts in the PLAN - Current Account, Loan and Credit Card.

 

It cost me nowt and I had it within 3 Weeks!

 

Don't tell them why you want them though.

 

 

I am mulling over whether to go after IF for more than the charges, they operated my accounts...especially my current account in a shocking manner, have over 100 letters regarding it. Complete breach of their duty of care and trust. They caused me complete financial meltdown!

 

Also, be warned.... I have it in writing that they make entries disappear!!!

 

Regards

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Stopthe...

 

Can you post up the letter saying that entries disapear then

Lloyds TSB £395 Decree awarded against TSB

HBOS £750 setted in full

IF £750 Small Claim filed 26/10 - won unconditionally

Barclaycard £110 + Data Protection Act Non compliance Information Commissioners Office complaint. Small Claim filed 12/10 - Won unconditionally

HBOS2 £750 small claim settled in full

MSDW £115 Settled- accepted Full amount unconditionally

HBOS3 £750 Settled in full

HBOS4 £750 Small claim filed for return 15/1/07 No defence filed Decree issued by court

Clydesdale Bank Credit Card £496 small Claim filed 25/10 Court hearing 19/1/07 - continued for 2 weeks

Mrs Claimital's M&S Card £60 LBA sent 12.10 - Full refund & interest accepted by Mrs Claimitall

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Customers E-Mail Enquiry

 

I am writing with regard to the charge on my credit card at the end of January. PLEASE REMOVE THIS CHARGE PROMPTLY. This is the THIRD time I have contacted you over it! You should not of been applying for the amount stated or from the account stated. I have will otherwise little choice due to your past administration of my accounts but to take legal action to recover charges and costs in this matter.

 

Regards, XXX XXXXXX

 

 

 

Response sent by Intelligent Finance

 

Dear Mr XXXXXX

 

Thank you for your email.

 

Having referred your query to a Manager in our Customer Care department, he has reviewed your plan and agreed to refund the charge applied to your credit card.

 

Please be aware that when the charge is refunded you will not see a credit entry on your jar however the original charge will be removed.

 

blah blah blah

 

 

blah blah blah

 

Regards

 

Colin

Intelligent Finance

-----------------------------------------------------------------------------

 

 

 

 

This is a printed, headed copy sent to me and it is not the first time they have tampered with the records!!! They should not of been taking any money from the account in question for the DD and they managed to cause maximum inconvience!!

 

On the 12th August 2002 they wrote to me regarding an unpaid cheque, the cheque should of been paid, they were with holding MY funds and I was chuckling when I read they were taking a £25 Adminstration charge out of my account on the 2 SEPTEMBER 1931!!!

 

They obviously live in the past, they also refer to a customer care department......now I am scratching my head!!!!!

 

Regards

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  • 2 weeks later...

List of charges received this morning, which I thought was pretty quick. Total charges £530 over 6 years.

 

I'm going to have a read through all the info again to make sure I know what i'm doing, then I will write & post the next letter.

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  • 2 weeks later...
  • 3 weeks later...

Any offer of payment yet Carrie

Whatever I post is my opinion and should be taken as such, an opinion. While it is what I believe and is offered in good faith, it should not be taken as a statement of truth

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Hi Carrie.

 

Any update on your claim?

 

Stuarto

 

:)

Bank Charges:

First Direct: £250 settled at Prelim stage 3.4.07. :-)

Intelligent Finance: £798 settled at Prelim stage 1.6.07. :-)

Woolwich: £1178 settled at Prelim stage 20.7.07. :-)

 

PPI:

Barclaycard: £1103.67 settled at S.O.C. stage 2.8.11. :-)

Credit Card Charges:

Barclaycard: £926.38 settled at S.O.C. stage 4.8.11 :-)

 

Thanks CAG and all those who've helped me on the forums.

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:grin: money in the bank today :grin:

 

I received the letter saying because it would be too expensive to fight my claim & without accepting blame blah blah blah, offered in full.

 

I didnt want to post that I had won until I actually had the money there as I was sure something would go wrong.

 

Off to have a look at how I donate. Do I need to PM a mod to get the thread title changed?

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