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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 
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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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Eviction Please Help- EVICTION CANCELLED


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Hi I am sorry but i am very new to ths and have read thru some posts and you seem amazing at helping people and was wondering if you could try to help me. I currently am being evicted on the 26/11/09 by Black Horse. I have iisued court papers to them thru a company claiming PPI as it is more than my loan payment itself. I have fallen behind before and got an agreement put in place to pay extra each month. However i wasnt aware that i still had to pay BH and fell into arrears of just over 2k of which i have now cleared with all my saving. Recently i had time off work sick for a medical condition and am still visiting the hospital reguarly to try and overcome that, which meant i have fallen behind again by £2062.04. I have spoken to BH solicitors who were not very helpful and have said that i need to make a lump payment before the evicton date. I told them that i have zero money until 30/11 and they didnt care. Can i go back to court and ask for it to be suspended!!!!! PLEASE PLEASE HELP i cant sleep and evertime the phone or doors goes i panick. i have a young son and cant afford to lose my house especially this time of the year.:evil:

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Hi there, is this a secured loan? do they have first charge on the property or do you have a mortgage?

 

Try not to worry - we can help. No judge is going to evict you and your child for the sake of £2k.

 

You need to apply to the court on a form N244 (I have affixed one to this post), Q.10 is the most important part and I will help you with a statement for that.

 

You will also need to send in a budget sheet with the form and I have also affixed one for you. Remember when filling it in that the amount you are offering to pay each month is the amount left over after everything else has been accounted for.

 

In order to stop the eviction you will need to make a proposal to pay off the arrears by making a small payment each month in addition to the normal monthly payment. When your PPI claim is settled you can then pay off the arrears.

 

Did you attend the original possession hearing?

 

 

Ell

n244_e.pdf

Budget Sheet.xls

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Hi Yes it is a secured loan and yes i did attend the first hearing where i agreed to pay an extra £125 a month. I will fill out the forms and get back to you. Very grateful that you are taking the time to help me. x x

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Hi there, is the mortgage in your name only?

 

These are the instructions for completing the rest of the form:

 

1. Your name

2. Tick Defendant

3. Cancellation of eviction warrant

4. No

5. Tick at a hearing

6. 15 minutes

Agreed by all parties: No

7. Write - Not applicable

8. District

9. Both Parties

10. Tick box for attached witness statement

Cross out all options except I Believe

Sign and cross out all options except Applicant

11. Sign and cross out all options except Applicant. Enter your address and contact details.

 

I will help you with the statement you need for Q.10 of the form. Let me know when you have completed the budget sheet. Also can you get some documentary evidence of your hospital appointments/medical condition, so we can show the judge what the reason for your falling behind with payments under the previous order.

 

Ell

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hiya, you put what you can actually pay i.e. the amount left over after everything else has been taken into account. If it is less than you offered before then so be it. You should not offer more than you can really afford otherwise you may find yourself in this position again if you get an unexpected bill. Make sure you adjust food/travel etc to reflect emergencies.

 

You haven't said if the joint mortgage holder lives with you - are you married / in a partnership etc?

 

Ell

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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ok ta. Yes i am married and we all live together. My husband is the main earner. After budgeting for everything and keeping the payments the same i am left with £6 over. Should i add that on to my proposed payment????? It has changed slightly because of the price of petrol etc etc and i need my car for my job!!!! No car no job.

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No, just add the £6 back into travel expenses - petrol is going up again in the new year.

 

Do you just have one child? what age?

 

When you have answered the above I will complete the statement for you to attach to the N244 and put it on the thread this afternoon - you should then take it by hand to the court along with the fee of £35.00.

 

Back shortly....

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Are you back at work now?

 

I'm assuming the time you had off sick from work was unpaid? and this is why you got into arrears?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Also should a get a photo copy of the PPI claim from my solicitors and my hospital letter????? If so how many Thanks

 

You will need three copies of each.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Yes i am back at work and earning money again. My company doesnt pay sick and so only got £79.10 ssp for 3 weeks off. Also i made a payment of over 2k in August this year and the confusion was that because of the ppi claim i thought that i didnt have to pay until it was sorted which is why i have now fallen behind with the payments. I am not very good when it comes to stuff like this, but will defo learn from my mistakes. Should i tell the judge that when my claim for ppi comes through that i will be able to pay off all the arrears as BH have only got 2 weeks to respond to the solicitors that issued the court papers.

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Sorry so i need 3 copies of the following: N244 , Budget Sheet, hospital letter, ppi solicitors letter

 

Yes that's right. Before photocopying, on the hospital letter - write the claim number on the top left hand corner and Appendix 1 on the top right hand corner. Do the same on the budget sheet which will be Appendix 2, then the PPI letter which will be Appendix 3.

 

Affixed is the statement for Q.10 of the N244. You need to fill in the information where there are XXX's at the top and in the first two points of the statement(obviously remove the XXX's). Print off 3 copies and sign.

 

You should then assemble 3 sets as follows:

 

N244 form

Statement

Hospital letter - Appendix 1

Budget Sheet - Appendix 2

PPI documents - Appendix 3

 

Make sure you staple each set securely. You need to take the original to the court with the fee and keep the other two sets for the hearing.

 

Any questions, just shout

 

Ell

Budobird N244 Statement.doc

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Got hearing tomorrow at 1100. Black horse solicitors had the cheek to ring me today saying if i paid a grand before thursday at 1200 the they would cancel the eviction. I told them i wasnt in a position to do this and was going to ask for the eviction to be suspended. Will keep you posted.

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