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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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Car faulty after 2 weeks - Want to rescinder HP agreement


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I purchased a nissan micra 55 plate on the 26th Feb this year, on the 13th March it broke down. I took it to a local garage whom recommened taking it back! the timing gear chain is badly worn and a major oil leak and that did not just happen. The locking mechanism also started grinding I am in dispute with the finance company as i want to canel my agreement they dealer whom sold me the car has it at present..............After going through all the paperwork yesterday it came to mt attention that even though the finance company sent me the paperwork i did not sign it and at the dealers i signed 2 single pieces of paper only detailing the purchase of the car with the cars cost on it and that is all. I have written to the finance company asking them to send me the agreement with my signature on it, we shall see......they have not responsed, they usually respond immediatly. Anyway my first payment is due on Friday, do i cancel it or what? :???: If i make this payment and do not have an agreement does this make it legally binding?

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Your first call is on the seller. You 'must' write to him rejecting the car. This has to be done in writing preferably recorded delivery. List all the problems with it and head it 'formal rejection'.

When you get the rejection accepted, then the finance is void as well.

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Agree with Conniff, however:-

If you have not signed a HP agreement, then one does not exist!!

This must outline the payments due, amount, dates, total payable, including the actual cost of the finance and interest rate etc.

They must also give you a copy, and the agreement must be signed by the HP company

Is the dealer a licensed broker for the the finance co. chaeck with the council. If not then everything is void anyway.

They may try and send the forms for signature to you, so as they were not signed on the premises you can reject the offer.

Now did you pay a deposit or part exchange?

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Hi, Thank you both. I have already sent them a 2 letters by email and also recorded delivery letting them know that i longer want the veichle. They say that they have logged the complaint but the they have the right to repair the car. This was before it became apparent that i did not sign the HP agreement. I paid a deposit of £300.00 by debit card.

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Hi, Thank you both. I have already sent them a 2 letters by email and also recorded delivery letting them know that i longer want the veichle. They say that they have logged the complaint but the they have the right to repair the car. This was before it became apparent that i did not sign the HP agreement. I paid a deposit of £300.00 by debit card

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Two things Twiggy. Firstly, if your debit card is Visa you can write them and explain your circumstances and ask for "Chargeback" of your deposit. I don't know if this applies to non Visa cards. Was deposit made out to dealer or finance company? When money changes hands the law says a contract has been formed.

Secondly, check to see if it is an HP agreement that you are supposed to have. Many cars are sold these days on modified forms of Personal Loans which are not so easy to reject or get assistance from the finance company. However, as said in other threads, if you didn't sign it then no agreement exists.

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Two things Twiggy. Firstly, if your debit card is Visa you can write them and explain your circumstances and ask for "Chargeback" of your deposit. I don't know if this applies to non Visa cards. Was deposit made out to dealer or finance company? When money changes hands the law says a contract has been formed.

Secondly, check to see if it is an HP agreement that you are supposed to have. Many cars are sold these days on modified forms of Personal Loans which are not so easy to reject or get assistance from the finance company. However, as said in other threads, if you didn't sign it then no agreement exists.

 

I will get on to the bank straight away and cancel the payment and also request chargeback , the deposit was made to the dealer. Yes it is an HP agreement that i am supposed to have, they sent me a pre contract information form before i went to get the car but no signatures requested. The pre contract credit information has the type of credit as: Credit Provided under the Hire Purchase Agreement. Should i inform them i am cancelling my direct debit ?

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How come you have a DD arrangement without signing anything, a DD is not valid without your signature or some form of agreement?

Defo cancel it anyway or inform bank not to allow the HP co. to take any money.

 

Yes and keep driving round in the car till it blows up then give it back to the Garage!!!!!!!.

 

If there is a finance agreement in place you must make the payments until you have sorted out something with the garage about taking the car back. you cannot just stop paying.

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How come you have a DD arrangement without signing anything, a DD is not valid without your signature or some form of agreement?

Defo cancel it anyway or inform bank not to allow the HP co. to take any money.

Nowadays, you don't have to sign a DD agreement. eg. Sky will set one up with a phone call - but they do have to read out the t&c's for DD.
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