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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
      • 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 an on going claim against me..heres a run down of events..

 

received the claim..

Acknowledged the claim

sent Cpr31 request to claimant

they failed to supply anything

I Submitted an embarrassed defence

Court Stayed the claim..

 

now they have applied to the court and had the stay lifted..

 

this was done without a hearing..

 

What do I do now?

 

It says I have 7 days to apply to have it set aside, varied or stayed according to rule 23.10

 

I'm confused..Please help

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Dont do anything let it proceed.The next stage of the process is you will receive an AQ on completion of this you request disclosure and inform the Court noncompliance to your CPR request.They will have to produce the docs before a trial date is set.

 

Regards

 

Andy

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Ok Johnny N149 or150?

 

You ok completing this? Just post if you are unsure

 

Regards

 

Andy

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The Claimant pays the fee not you.

In other you need to state that you have requested information pertaining to their claim but this as not been provided.As this is Small Claims Track you are restricted on your directions but you can request that the Court orders the Claimant to disclose the documents you require and that stage you will better informed to submit a full defence to their claim etc etc.

 

Andy

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Whatever you feel more comfortable with.

 

Andy

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They can produce as many statements as they like assuming they have an enforceable agreement with all the prescribed terms and with your signature on and is legible.However if the account as been terminated which it has been because litigation has commenced then no further DNs can be issued.

Perhaps you could expand as to why this is concerning you?

 

Regards

 

Andy

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Have you ever requested a copy of your CCA?

Is that the first sight of a DN you have been sent?

If you could post a copy of it less personal details.

If you could expand on the basis of the debt and the reason for defending this claim.

 

Would help to flesh the bones out on your situation to enable me to advise.

 

Regards

 

Andy

We could do with some help from you.

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Thanks for your help on this Andy..

 

its a credit card debt from 2007

the debt was sold to the company that has now sent the claim.

got the claim in nov 2009 and acknowledged it

sent cca request to claimant

got a reply saying they needed an aditional 14 days to provide documents that I requested..

meanwhile I sent in my embarrassed deffence on the due date

the court stayed the claim ( but didnt tell me anything)

 

7th april i received a dn dated the 1st saying i have 14 days from date of notice to pay arrears..the total balance includes the claim costs even though there is no judgment yet..

 

which brings us to now:

claim stay lifted and aq to file..

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Thanks for your help on this Andy..

 

its a credit card debt from 2007

the debt was sold to the company that has now sent the claim.Have you received a valid NoA (Notice of assignment)?

got the claim in nov 2009 and acknowledged it

sent cca request to claimant

got a reply saying they needed an additional 14 days to provide documents that I requested..have they complied?

meanwhile I sent in my embarrassed deffence on the due date

the court stayed the claim ( but didnt tell me anything)

 

7th april i received a dn dated the 1st saying i have 14 days from date of notice to pay arrears..the total balance includes the claim costs even though there is no judgment yet.. Mmmmm issuing a DN after litigation has commenced total defence

 

which brings us to now:

claim stay lifted and aq to file..

Post up before submission I will tweak it.

 

Regards

 

Andy

We could do with some help from you.

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Your AQ Johnny when you have completed it also a copy of the DN less personal details thx.

 

Also who sent the DN orig creditor or the DCA?

 

 

Andy

Edited by Andyorch

We could do with some help from you.

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Hi Andy, The DCA sent the DN while the claim was stayed..

I sent CPR request to the DCA and the Creditor with £1 cheques which they have not cashed..also The DCA acknowledged the request but failed to provide..

I dont have a scanner to scan the DN for you..what do you need to know about it?

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Hi Andy, The DCA sent the DN while the claim was stayed..Ok

I sent CPR request to the DCA and the Creditor with £1 cheques which they have not cashed..also The DCA acknowledged the request but failed to provide..I assume you mean CCA Cpr is free have you done this also?

I dont have a scanner to scan the DN for you..what do you need to know about it?

 

if its valid ie layout amount dates does it allow 14 days plus delivery time to allow you to rectify the breach.

Regards

Andy

We could do with some help from you.

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No.. it was dated the 1st april but i did not receive it till 7th april

the DCA sent it but it is in the creditors name and layout

it says that i have 14 days from the date of the DN

but this was sent while the claim was stayed..

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No.. it was dated the 1st april but i did not receive it till 7th april:)

the DCA sent it but it is in the creditors name and layout

it says that i have 14 days from the date of the DN

but this was sent while the claim was stayed..

 

 

And there you have your defence, I trust you retained the envelope as proof;)

 

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Hello,

 

My friend has a lot of debts and he has moved overseas and has given my address as forwarding address. He has been sent a lot of debt notices from various companies (on his name of course). Being the forwarding address tenant, what is the legalities or things I must look for or want to know if I am not affected by this at all.

 

Cheers, RajuBhai

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Hello,

 

My friend has a lot of debts and he has moved overseas and has given my address as forwarding address. He has been sent a lot of debt notices from various companies (on his name of course). Being the forwarding address tenant, what is the legalities or things I must look for or want to know if I am not affected by this at all.

 

Cheers, RajuBhai

 

 

Hi Raju

 

No affect, they are in his name, just forward them on

Wecome to CAG

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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i'm fiding the AQ a bit hard to fill in..the more info bit..I know that I need to mention that they failed to provide info under cpr31 and that I need the info to prepare my amended deffence..but i'm unsure how to do that also the default letter coming after litigation is started..that must be wrong..

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