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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.

      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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    • 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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EZE Loans Broker fee


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Dont give up!!! I got mine eventually! Also, this was on the BBC News website yesterday:

 

Dishonest credit brokers that demand upfront fees for loans they have no intention of arranging will be closed by the Office of Fair Trading (OFT).

The measure is part of a general crackdown by the regulator following a complaint from Citizens' Advice.

The charity said some unscrupulous firms were cold-calling thousands of potential borrowers and offering loans in return for hefty fees.

The OFT is making it mandatory for fees to be refunded if a loan is not agreed.

"Our evidence suggests some businesses are deliberately taking people's money upfront with no realistic expectation of finding them the type of loan they need," said John Fingleton, the OFT's chief executive.

'We will continue to take robust enforcement action against businesses using unfair or improper business practices and we are providing new guidance making very clear the kind of behaviour we expect from the industry."

In parallel, the OFT will bring in new rules later this month for debt management firms to stop them making misleading claims in adverts, charging expensive fees upfront, giving poor advice or posing as charities.

Law change

The OFT is going to ask the government to consider changing the law to ban outright the practice of credit brokers demanding upfront fees in exchange for arranging loans.

What is a super-complaint?

 

  • A designated consumer group can make a super-complaint to the Office of Fair Trading (OFT) if an issue is "significantly harming the interests of consumers"
  • The OFT has 90 days to respond by stating what action, if any, it plans to take on the issue and the reasons behind its decision

Citizens' Advice had complained, in a so-called "super complaint", that many people had received a text message or telephone call from these firms offering to find them an unsecured loan.

Those who accepted were then charged the fees for little or no service in return.

"They are getting cold calls from businesses they haven't asked to call them," Teresa Perchard of Citizens' Advice told the BBC.

She said an upfront fee of £70 was not uncommon, but the organisation had come across charges of up to £300.

New rules

The OFT estimates that 270,000 people had paid upfront fees to credit brokers in the past year, with complaints about them doubling between 2008 and 2010.

The firms in question typically specialised in arranging unsecured loans for people who found it hard to borrow money because of their low incomes or past problems repaying debts.

As well as threatening to close down rogue credit brokers, the OFT is consulting on changes to its own rules to make it clear that:

  • borrowers already have a right in law for their fees to be refunded if the credit broker fails to introduce them to a potential lender
  • if an introduction is made but a loan is not granted within six months, the fee must still be repaid.

Some victims, Citizens' Advice said, had been persuaded to hand over their bank details and later found that money had been taken from their account without their permission.

Victims struggled to get somebody to deal with the issue, and were charged a premium rate when calling to complain.

They also found that they were being inundated by calls and text messages offering loans or debt management services from other firms.

The consumer minister Edward Davey welcomed the OFT's proposed changes.

"We will give careful consideration to the outcome and take further action if required."

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today i got the reply

I can confrim that we have received your signed refund request; your refund will be processed, dispatched and returned to your account within 14 working days.

 

Regards

 

Kate

 

so dont give up and be so negative, keep at em[/QUOT

 

 

I have had exactly the same problem i have recieved 2 emails 1 week apart saying this money would be in my bank withing 14 days, 2 month on im still waiting. Thorugh these taking money from my account £67.70 i have now incurred £65 bank charges in april £95 bank charges in may, the £95 came out today taking me over my arranged overdraft so i am now been charged £5 a day.:mad2::mad2::mad2::mad2:

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today i got the reply

I can confrim that we have received your signed refund request; your refund will be processed, dispatched and returned to your account within 14 working days.

 

Regards

 

Kate

 

so dont give up and be so negative, keep at em[/QUOT

 

 

I have had exactly the same problem i have recieved 2 emails 1 week apart saying this money would be in my bank withing 14 days, 2 month on im still waiting. Thorugh these taking money from my account £67.70 i have now incurred £65 bank charges in april £95 bank charges in may, the £95 came out today taking me over my arranged overdraft so i am now been charged £5 a day.:mad2::mad2::mad2::mad2:

 

I sent a letter last night saying that i am now taking this matter to county court which i was advised by trading standards

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Yes i sent an email last night saying that i am now willing to take them to county court and again i recieved an email back to say the money would be in my account, this is so annoying cos it has now cost me over £200 and i am going to recieve another £50+ bank charges this month

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i have just sent them the following e-mail

 

i recieved an e-mail back approx 6 weeks ago saying that my initial fee would be refunded to my bank account within 14 working days.... it still has not gone in. i have been to citizens advice and been to see my solicitor. and both have advised me to take the matter to county court AS YOU ARE NO LONGER EVEN REPLYING TO MY E-MAILS! so i am therefore giving you until 8-june-2001 for the money to be received by myself from you, or i WILL be taking you to court!

 

hopefully they will pay attention!

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this company is a JOKE i have too been trying to get my money back in about 2months, the last email i received from them was from KATE and i got it 11 may saying that i will have my money back in 14 days. now i have tried to make contact with her/them on numerous occasions and getting no where fast. so today whilst i was reading the forum i decided to take them to court and have looked into it and i have since told them that if i dont get my money back by 8th june i will be seeking legal action i.e going to county court.

 

just hope they listen to us and pay us back what is ours they are a joke and i hope that other people arnt getting caught out like we did/are.

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  • 2 weeks later...

Just a quick update - after many chasing emails and another recorded delivery letter I finally received a FULL refund (by cheque) they didn't even take the admin fee - so keep on at them you will get your money back in the end :-)

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  • 4 weeks later...

Has anybody had any luck I have sent loads of emails and letters none recorded though to them about my refund for the £75.

was wondering what experience you guys have had to get your refund?

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  • 1 month later...

Raise a dispute with your bank under the Visa Debit Chargeback scheme (google it for info) - this has to be done within 90 days of you becoming aware of the problem.

 

I filled in a form (Nationwide) and sent them copies of the two letters I had sent to Eze.

 

It took several weeks but NW have now refunded the money to my account.

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After giving up on this for some time, I e-mailed them 11 times yesterday, got this response today so called them, was told my bank had the refund, I said no they bloody haven't, bloke said he would e-mail head office and ring me back tomorrow, said No I will ring you, he said ok. Argued the point with him, why had they said they would send a cheque when he was saying it had been refunded to my card??? Got e-mails to prove they said both.

 

Anyway, you can now contact them and I will be ringing a few times daily, don't give up but please report them, anyhow, heres the e-mail I got

 

Rebecca, Aug-23 14:59 (BST):

To Speak to an Eze Loans advisor please call: 08446882849

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Sounds a lot of hassle - raising a dispute with your bank is the way to go. This is not the same as reporting a fraudulent transaction! Google Visa Debit chargeback for more info; most people (me included, Consumer Direct gave me the info) and even some bank staff aren't aware this exists.

 

It took two phone calls and one letter to my bank, and I now have my money back.

 

Good luck!

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  • 5 months later...
Hi Guys,

 

I hope I'm posting in the right area!

 

I applied online for a payday loan and was told by this company I had been accepted.

 

The loan was for £300 and they showed my a breakdown of repayments of around £35 p/month with a fee of £67.

 

They asked for my card details, which I gave and now they've taken the £67 fee but only provided details of other lenders!

 

I really thought they were providing the loan themselves and now I realise I've been stupid.....

 

Is there anyway I can get this back?

 

Cheers

 

Neil :|

 

I think a lot of people don't realise that when they apply for a payday loan online they are actually going through a broker. Until recently I worked for such a broker and was shocked at some of the practices. Payday loan brokers try to get the loan from the lender that pays them the highest commission - they are not interested in getting the best deal for you in terms of APR, or repayment terms for example. Lenders can pay up to £40 commission to the broker for each loan secured. Remember, that £40 comes out of your pocket - you are paying for the privilege of getting the best deal for the broker and possibly the worst deal for yourself. Brokers tend to be a bit secretive about the order in which they send applications to the lenders. In many cases I don't think the lenders realise how far down the "food chain" they are. But, as one of the commercial managers once told me: "There is little transparency or honesty in this industry". Brokers may also damage your credit rating by sending inaccurate personal details to lenders, most of whom will perform a credit check on you.

 

The industry is currently enjoying an orgy of unregulated greed. Having worked for one of the major payday loan brokers, my advice is to kick the habit and don't touch these loans. The profits that are being creamed off vulnerable people are enormous, enabling people in the industry to live in tax havens like Monaco. I believe the UK Government will inevitably have to regulate this industry but we should also try to avoid using their "services"

 

BTW, while customers tend to be the main victims of this industry, spare a thought for some of the staff. Our call centre manager once boasted that if any of his staff failed to get any clients to take out a loan during their working day, they were made to sit in the corner with a dunce’s hat on. I may be naive, but I thought that kind of maltreatment disappeared with the Victorians. I'm surprised nobody has sued them for breach of human rights and employment law. However, it gives you an idea of the kind of people running these businesses.

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Funny how the Ezeloans website has disappeared.....

 

Good to see the powers that be finally did something then :-) Ezeloans were another who liked the continous reoccuping payments authority and spelt the end for my bank account at the time so this can only be a victory! mind you can't think whats worse details with a broker or some dodgy payday loan co ! perhaps they should merge into one.

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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