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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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Scampjet V HSBC


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Hello everyone

 

After a reading some of the posts over the past week, it really brings it home to me how much the banks are making out of people. I have calculated that I have paid £2399.00 since 2001. I have sent my preliminary letter and schedule of charges and recieved a letter this morning saying they will reply again within 5 days after making investigations. This falls within my 14 day deadline.............I suppose this means that they are taking it seriuosly!

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Hello everyone

 

After a reading some of the posts over the past week, it really brings it home to me how much the banks are making out of people. I have calculated that I have paid £2399.00 since 2001. I have sent my preliminary letter and schedule of charges and recieved a letter this morning saying they will reply again within 5 days after making investigations. This falls within my 14 day deadline.............I suppose this means that they are taking it seriuosly!

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Good luck, keep us updated :)

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Hi - start a post in the HSBC forum if you haven't already - you'll get the best advice and support from fellow claimants in there!

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

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Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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Hi Fiddler.

 

I've just had a look down the index and look what I found.

 

THE H.S.B.C. forum. Just click the link......

Then start reading, starting with the FAQs.....

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/

 

:rolleyes:

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

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  • 2 weeks later...

Scampjet v HSBC. more advise please!

 

I have recieved another reply from HSBC stating basically that they are right and I am wrong. They are saying that the OFT ruling concerned only credit cards and that thier charges are justified. I have just dowloaded the lba template, but would like to know if there is anything else I should do before sending it and also, they say that I should continue to contact them via their internal complaints proceedure. should I do this aswell?

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Hello all! more advice needed please.

 

I have recieved a letter from HSBC and they say that their charges are fair and the OFT ruling applies only to credit cards. I have read in one section of this site ( can't remember which) that this is common. I am about to send the LBA letter to them but they are suggesting that I should take it to the next stage of complaint as per their internal complaints procedure. Should I do this aswell?

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Hi Scampjet

 

This is YOUR claim, YOU are in control here, NOT them. Stick to YOUR timetable and the proven method used by thousands of people on this site.

 

There is no need to do anything other than send in your LBA. Simple. The LBA is suffice and shows you mean business, don't waste your time and postage with internal complaints procedures.

 

I had a successful claim against HSBC in March so I can tell you personally that you mustn't be tricked into doing anything other than by playing by the CAG rules ;-)

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  • 1 month later...

Hi all,

 

Hsbc has made me an offer of £2000.00 2days after LBA 14 day period expired. They have given me 10 days to respond. the reason for thier offer is that they are mindful of the costs involved defending the claim should it proceed to court. ( though they are confident they will win if they do)!

 

They have sent a form to claim the money in the form of a statment that the claim has been settled. I assume from this offer, that should I proceed to court for the full sum of £2,880. that they think I will win.

 

However, £2000 is a good offer. But now I have another problem. They wish to cridit my HSBC account with the offer within 7 days of recieving the signed statment. But I want the account to be closed. We have a DMP in place and because the offered payment to the HSBC is less than the agreed monthly payment, they have not closed the account as we have requested them to, but are debiting the account for the monthly payments of our loan account from it. As the amount of the DMP is not enough to meet the payments they are applying a recall charge of £30 per month plus interest to the account. As this has been going on for a few months, the overdrawn balance on our current account is now £750.00. We believe they have not closed the account in order to keep applying charges, as if the account is in debit it cannot be closed. Are we right? We have written to them to accept the offer under the condition that the account is closed and are prepared to accept that some of the money is used to pay off the current account balance ( less charges & interest) so that it can be closed and have asked that the remainder be paid direct to us by cheque. We think that the banks offer to pay directly into our account is designed to ensure that they still have control and will demand that the money is paid off our loan, so that they do not have to accept the DMP. Our thinking is that if the current account is clear of debt, there is no reason for them not to accept the DMP. Do you think they will go for this? Also, as they have accepted payments into the account under the DMP are they still able to say that they do not accept the agreement?

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i would write and accept the offer (should you not want the hassel of persuing the other 880 - however 880 is quite a sum and i'd be tempted to chase it all - after all it is yours!)

 

put in your letter that you require the funds to be paid in cheque madee out to you and under no circumstances do you wish to have it paid into your HSBC account - they should honor this and then you can still go for a DMP and do what you wish with the money

People who haven't made mistakes, haven't made anything!

 

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  • 2 weeks later...
i would write and accept the offer (should you not want the hassel of persuing the other 880 - however 880 is quite a sum and i'd be tempted to chase it all - after all it is yours!)

 

put in your letter that you require the funds to be paid in cheque madee out to you and under no circumstances do you wish to have it paid into your HSBC account - they should honor this and then you can still go for a DMP and do what you wish with the money

 

Thanks for reply jo5eph,

 

I gave HSBC 7 days to respond to my request and said that I would settle upon reciept of funds..............Nothing yet though.........7 days up to day. Do you think they will be tied down to a timscale or will do things in thier own time? I,m wondering now if I,ve done the right thing! I don,nt want to go to court unless I have to!

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:?: Has anyone recieved any money from hsbc after an offer to settle? I have heared nothing from then since and so i think it will have to go to court even though I accepted (conditionaly). Are they waiting for my next move?:confused:
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CPR Part 19:

Representative parties with same interest 19.6 (1)Where more than one person has the same interest in a claim –

(a)the claim may be begun; or

(b)the court may order that the claim be continued,

 

by or against one or more of the persons who have the same interest as representatives of any other persons who have that interest.

 

 

Only 1 of you needs to be signatory to your claim

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Thanks Michael,

 

I have copied the info for filling in the N1. Is there any 'legal speak' I need to include in the breif details section on the front, or is it just a general statement?

 

And 3 copies of my charges schedule?

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well I've done it now! .........Filed my N1 today.

 

I do hope it's not £120.00 wasted.

 

Apparently in my area (S.Wales) they have had so many claims of this nature that "if it does go as far as a hearing, It will probably not be held at my local court as they have designated a judge at Cardiff court for such cases!" I wish I could have claimed on-line though.......at the moment they are unable to process the claims for 10 days on average because of the backlog and sheer volume!

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Why couldn't you claim online? Was it just the delay?

 

All will be well, it might just take a little longer

 

Good luck

 

No.......................I hav'nt got a debit card anymore!...........HSBC took it away!:)

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hello all,

 

Had a letter 2 days after I told the bank I was on my way to town to serve papers. They phoned about current account balance, but when I told her my intentions and that the bank had acted contrary to thier own advice regarding debt ( we asked for every kind of help thier leaflets suggested and got turned down on the grounds that we had a managed loan) she replied...."oH!" and with a few more mumbles said thank you and hung up. the letters they sent were obviously put together in a hurry because they were in the same envelope and consisted of: one option to make reduced payments on our managed loan account for the duration but reserving the right to amend the agreement at any time and all the while applying interest. Or a reduction on our present payments but more that the first letter. including interest and amalgamating the current account balance with the present managed loan balance. effectively a new managed loan, in which we would have paid them twice the original debt by the time its finished. they also sent us 2 shiney new debit cards which they took off us in August! Needles to say I have returned all the agreements and debit cards. I find it interesting though that as we followed their own advice to the letter at first, before we heared about being able to re-claim charges, as soon as I mentioned serving papers at court.................they offer us a carrot. I can only assume it is to try to cover their mistakes! Anyway, recived notice of service today and their 14 days is up on 14th DEC. I will carry on reading various posts to glean more info on what happens next........But any more input from the experts will be welcome!

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as you've probably gathered if you've read very many threads - when you receive your acknowledgment, it will state their "intend to defend fully" the claim. this then buys them another 14 days. but it also gives you the opportunity to get a name at dg and send them your schedule of charges. this has helped speed up the process in some cases - though not all. but surely worth a try. so, next thing to watch for is the service papers from the court and probably an acknowledgment. good luck. happy waiting - this can be gruelling at times - just keep reading to be infomed and maybe help some of the real newbies to get to where you are now.

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