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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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letter says - HFO got a CCJ against me - real?


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Did they actually attach a judgement or give you a claim number? not sure about sending that letter just yet, but if you have sent it never mind. You need to ask TR for the Claim number and judgement. Northampton cannot actually tell you anything, you have to look at Trust Online or Experian (gawd help us) or get the info from the claimants solicitor, Northampton will tell you ithe details if you have the claim number

Please support CAG and they will support you.

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IMPORTANT ANNOUNCEMENT

 

Looking at the stattement, I do have a CCJ from 13/06/2008 for £12191. On my statement on the 12th my balance was £12191.93 so I think that is sufficient to confirm they did get a genuine CCJ, up until now unpaid which obviously puts things in a totally different light. Waiting three years to talk about enforcing it or making any contact whatsoever about it still seems somewhat bizarre though.

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Good Evening Mould

 

Very Glad to see you on board and back in the fight, appreciated

 

Good evening Coledog

 

Thank you, yes, the fight goes on and on, for good people that is, the bad people? Well, the bad people out-number the good, so we cannot possibly give up.

 

Tingy, sorry about the mini highjack.

 

Kind regards

 

The Mould

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The one attached to the letter today. As far as I know that is all I have, though I'm one of the idiots who buried my head in the sand for a while, so may have got something a while back. Certainly no annual statement - this is definitely the first thing they've sent me like this.

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Tingiy

 

You need to find out if there is actually a CCJ. If it is not on your credit file or the the register then there is not one, despite what HFO have said. Sight of the documents they have sent would be useful.

Please support CAG and they will support you.

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Have you checked with Registry Trust to see if the CCJ HAS been awarded, and if they HAVE a CCJ they CANNOT charge 12% interest, they can only charge 8% interest after a CCJ has been awarded. HFO love to totally confuse people and bully them into paying.

 

You wouldn't have had any 'You have a parcel/important documents waiting for verification" card at any time recently?

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Tingy, why are you even corresponding with them at this point? You need to make enquiries with the relevant courts at this stage to find out if a judgement has indeed been awarded. Start in a logical order for goodness sakes!

 

HFO/TR don't care whether you are close to suicide, are depressed, have other mental health issues etc.

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If there is no reference to this judgement on the registry trust there's a 99.9% chance it doesn't exist, but as a belt and braces exercise you could demand that they prove it's existence & provide the court reference number.

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PLEASE READ POST 31.

It seems like there was a judgment made in 2008, but it also seems strange that absolutely nothing has been done about that judgment until now. In my situation it has probably worked to my advantage as they either accept the £1 per month or make me bankrupt which I've now been waiting three years for someone to do.

 

I do feel if they're going to enforce the judgment it is unfair to keep piling on interest to let it build up to a really large sum before asking you to pay anything back, but cereb posted a link re re-claiming these charges. I'll read it again today as I was shattered last night and it didn't really sink in how I go about doing this. In any case, in my situation it probably is not worth it unless they accept the £1 per month in which case obviously I need to get the debt down as low as possible.

 

It's a tricky one to call. Do they accept the bare minimum or throw good money after bad helping me by making me bankrupt?

 

Everyone has been so helpful - I really do appreciate it thank you all!

 

 

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Also, the CRAs may have the CCJ recorded at the old address and may think that is a different person. Funny how HFO/TR managed to find you now.

 

Try Northampton this morning with the claim number and see where the claim was sent. If it wasn't Northampton, then Wandsworth and Croydon were the other courts they used then.

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I still think that you need to get proof of this and obtain the judgement itself, if it exists at all. If you are never going to have the resources to pay this off there is little value in them pursuing it at all and £1 a month will be pointless.

 

There is no guarantee that HFO will make you bankrupt, they tend not to do that but tend to go for charging orders, if you own a house.

Please support CAG and they will support you.

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Don't own my own house - that went a while ago. Statement was from HFO. Just going to Google Northampton to see if it is genuine.

OK everyone. I have phoned Northampton and the CCJ is genuine. It has now been transferred to Guildford.

Any ideas what to do from here other than what I've already done?

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