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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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Dayglo's mission to get his life back!


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Nicole Kidman in Batman Forever!!!!:rolleyes:

 

 

Wxxx

 

 

Willow's on target, see here :

 

http://www.batmannews.de/gotham_city_central/flugelheim_museum/pics/batmanforever/poster/pics_big/Chase_meridian_onesheet.jpg

 

 

 

:D

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Hi All,

 

I have just been reading through this thread and its an interesting one. As far as I am aware, the permission to share your personal data, which is identifiable, exists as long as the terms of the contract are alive, this enables the Data Controller, who is the legal owner of the data, to share it with pre-defined partners and organisation where fair and reasonable to do so and is legally know as acting Vires, or within his power. On the other hand once the contract ceases this power to share is removed and any attempt to retain should be challenged as the Data Controller will be acting Ultra Vires, or beyond his power. There are some interesting considerations here, I will have a good look at this one, I think the answer will be burried somewhere deep in European Law as Brussels seems to be the best source of decisions in this area. Once I have investigated it, and written a brief outline of my findings I will post them.

 

Have fun

 

Legal Bob

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and to think, i'd got through life so far being unaware of batmannews.de !

 

Whoops!

 

That pic obviously wont link directly, sorry folks (shame, NICE pic!)

 

NcF wishes to point out he is NOT a comic book geek, though could easily be identified as a bank charges geek

 

:p

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Hi Dayglo

 

Just spent the last 2 days reading your thread, wow is this the longest recorded thread in history? LOL

 

Anyway.....can i pick your brains on one thing pls?

 

I defaulted on my Vodafone account in Sept 2006, they were very quick indeed to send it over to a DRA and demand letters followed!

Now can i request a copy of the CCA and if they fail to provide will it wipe off the debt?

I originally had the contract with Singlepoint who sold over to vodafone, i have since had upgrades though.

 

Sorry to bug you but i couldn't actually work out if it is regulated under credit act or not?

 

Cheers

 

Matt

19/02: S.A.R - (Subject Access Request) sent to A & L

20/02 S.A.R - (Subject Access Request) sent to HBoS

20/02 SAR sent to Capital One

21/02 Prem letter sent to RBS for £304

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Well interesting enough is that the letter from the DRA- Wesccot, is threatening doorstep collection and at the bottom it says "All of Wesccot's door step collection agents hold a consumer credit license and are members of the credit services association"

So to enforce this don't they need a signed cca?

19/02: S.A.R - (Subject Access Request) sent to A & L

20/02 S.A.R - (Subject Access Request) sent to HBoS

20/02 SAR sent to Capital One

21/02 Prem letter sent to RBS for £304

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Guest ian cognito

Don't know for certain but I would have thought it was the other way round, to collect debts that are covered by the CCA they need to be licenced, may be better starting your own thread in the default forum

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Ok started my new thread on this, hopefully i'll get the answer.

 

vodafone cca

 

if anyone knows the answer please post on that thread,

 

cheers

 

matt

19/02: S.A.R - (Subject Access Request) sent to A & L

20/02 S.A.R - (Subject Access Request) sent to HBoS

20/02 SAR sent to Capital One

21/02 Prem letter sent to RBS for £304

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Hi All,

 

I have just been reading through this thread and its an interesting one. As far as I am aware, the permission to share your personal data, which is identifiable, exists as long as the terms of the contract are alive, this enables the Data Controller, who is the legal owner of the data, to share it with pre-defined partners and organisation where fair and reasonable to do so and is legally know as acting Vires, or within his power. On the other hand once the contract ceases this power to share is removed and any attempt to retain should be challenged as the Data Controller will be acting Ultra Vires, or beyond his power. There are some interesting considerations here, I will have a good look at this one, I think the answer will be burried somewhere deep in European Law as Brussels seems to be the best source of decisions in this area. Once I have investigated it, and written a brief outline of my findings I will post them.

 

Have fun

 

Legal Bob

 

This has been my contention since last summer - once a contract expires, the terms likewise expire. Hence the template that I put together setting out this very argument.

 

I've used the argument 20 times with various lenders and banks, and we've taken half of those to Court and won hands down.

 

We have also dug up two UK legal precedents relating to expiry of terms in contracts and then one party acting ultra vires to the detriment of the other party, which was used in the last 3 of those cases.

 

Unfortunately, I have yet to take one through a higher court to get a precedent set on this specific issue, as the County Courts have agreed on all cases. Maybe I might risk the fee to take one through a higher court just to make the point.

 

Let me know if you find any European precedents - but I think there's enough in UK law already to prove this argument already.

I'm often a sarcastic SOB and speak my mind (and I don't do PC at all), but I have a laugh as I go. I won't be intimidated, and I don't take prisoners... so live with it, or go get yourself a humour implant :p

 

Copy of Law book from Amazon…£19.95, Refund Request stamp...32p, LBA stamp...also 32p, Court fees...£750.00,

The look on the bank's barrister's face, when they lost the '£25k Mother-of-all unfair charges' cases...(plus his £8k+ of costs)... Priceless!

 

The legal bit: These are my opinions and own view of legislation and process. I accept no liability whatsoever for any outcome as a result of anyone invoking any or all of the advice given - clarify your own personal stuation with an insured legal professional.

Saying that, I've used these methods against many of these corporate crooks:evil: and won hands down!:D

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  • 1 month later...

Good luck mate..

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Guest willowb
well, its come to this then. The court hearing is on Monday. I'll let you know what happens.

Thanks.

:o really? goodness....are you prepared? silly question, sorry! My OHs off shore DG otherwise I'd have loved to have met up with you......I will be there in spirit:| is aardy going? .....what time is the hearing?

 

Wxxx

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cheers.

I'm as prepared as far as its possible to be. I have three copies of professionally printed and bound, indexed and cross-referenced files. Mr Aardark is coming over tonight for some final preparation and 'what-if' considerations.

Obviously don't want to say too much here, keep powder dry etc... but providing the hearing is fair and I get the chance to put my case across calmly - I can do no more than my best. I could not have prepared any more than I have done, so lets wait and see.

The hearing is at 2pm and scheduled for 2 hours.

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Just wanted to say good luck mate and will pop in to your thread monday evening to see how you got on.

Halifax: LBA sent 27/11/2006 £640 owed. N1 filed on 13/12/2006 they have untill 12/01/2007 to acknowledge. Settled 12/01/2007 £929.46

 

Barclaycard: Prelim sent 13/12/2006 £250 owed from May 2004. Remaining statements being sent 04/01/2007.

£120 part payment recieved 09/01/2007.

LBA sent 10/01/2007.

N1 filed 29/01/2007.

AQ filed 19/03/2007.

Letter for offer in full 8/05/2007.

Settled 05/06/2007 £433

 

Halifax C/C: S.A.R - (Subject Access Request) sent 17/11/2006.

Prelim sent 29/01/2007 £407 owed.

N1 filed 19/03/2007.

Judgment entered against Halifax 3/05/2007. Settled 25/05/2007 £500

 

Hubby:

HSBC: Prelim sent 27/11/2006,

LBA sent 12/12/2006 £3231 owed.

N1 filed.

Defence filed 14/2/2007.

AQ filed 5/3/2007. Settled 16/03/2007 £4238.15

Black Horse: Prelim sent 13/12/2006 £256 owed. LBA sent 10/01/2007. Settled 24/01/2007 £146.75

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Dayglo, is your hearing anywhere in Hants/Surrey?

Settled Claims:

Abbey: £4025 Claimed 27/02/06 - Paid in full 19/06/06

NatWest: £4529 Claimed 10/05/06 - Paid in full 1/08/06

Halifax: £1150 lba 18/05/06 - Paid in full 07/06/06

Natwest CC: £420 Initial letter 25/07/06 - Paid in full 08/06

Woolwich: £1100 Paid in full 28/2/07 + Default removed

NatWest Pt 2: £1700 Claimed 10/05/06 - Paid in full 7/2/07 + Defaults removed

 

Current Claims:

Abbey Pt 2: £2300 + adverse credit removal claimed 23/03/07

Alliance & Leicester: £1421 + adverse credit removal claimed 23/03/07

 

Refunds pending:

Capital Bank: Swift Advances: Halifax

 

Son's Refunds pending:

Abbey: HSBC

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Ok, just would have loved to have come along if it was closer. Good luck anyway!!

Settled Claims:

Abbey: £4025 Claimed 27/02/06 - Paid in full 19/06/06

NatWest: £4529 Claimed 10/05/06 - Paid in full 1/08/06

Halifax: £1150 lba 18/05/06 - Paid in full 07/06/06

Natwest CC: £420 Initial letter 25/07/06 - Paid in full 08/06

Woolwich: £1100 Paid in full 28/2/07 + Default removed

NatWest Pt 2: £1700 Claimed 10/05/06 - Paid in full 7/2/07 + Defaults removed

 

Current Claims:

Abbey Pt 2: £2300 + adverse credit removal claimed 23/03/07

Alliance & Leicester: £1421 + adverse credit removal claimed 23/03/07

 

Refunds pending:

Capital Bank: Swift Advances: Halifax

 

Son's Refunds pending:

Abbey: HSBC

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no - my hearing is in Leigh in Greater Manchester.

 

Alrite mate?

 

what time?

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Guest ian cognito

we'll all be there in spirit, if your bottles going the offer's still open to come and hold your hand, I still can't believe they are going to all this trouble and for what??

 

Would wish you all the luck in the world, leaves on the line, fog round the airport and roadworks on the M6, but I don't think they have an argument!

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thanks ian. The only bottles that are going are the ones wich contain intoxicating liquor, and they're going pretty fast :D

 

it is going to boil down to the following issues as far as I can tell :-

 

1) have Vodafone given adequate 'justified' reasons for not complying with my S.10(1) Notice within the 21 days they were given? I say, not - they say yes.

 

2) Do the court agree with me that 6 years in an un-reasonable length of time to process data after the ending of a contract or do they agree with Vodafone and the ICO who say that 6 years is standard practice and a reasonable length of time

 

3) In terms of Schedule 2, para 6 - whose legitimate interest is greater? my legitimate interests or Vodafone's?

 

4) will there be any procedural confusion regarding everyones role in this - some courts appear to think that the CRAs are processing the data as opposed to the credit supplier

 

5) will I be wearing my lucky pants?

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