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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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      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.  

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      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.

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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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A little help guys please SUSPENDED


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Hi All,

Been a cagger for a good while now and have been helped with my own problems by the good peeps on here , and in turn i hope i have helped a few with theirs.

 

Anyway, this is not my problem but that of a good family friend whom i had noticed had seemed to be carrying the weight of the world on their shoulders. After a lot of persuasion i finally got it out of her.

 

Her mortgage is with gmac and she has got herself in to arrears to the tune of £6,393.00. she managed to negotiate with them to pay a lump sum of £2000 off the arrears and then pay them £150 per month on top of her contractual payment, if she did they would stop the court hearing and no solicitor would attend.

 

You an guess whats coming next...... she didnt attend but the solicitor did and charged her for it. real sweetharts aint they !!

 

I advised her that she should firstly write to these cowboys and complain about the attendance of their solicitor , and secondly remind them of their obligations under new government guidlines, as i know she is going to struggle to pay the extra £150 a month and would be better off requesting a payment holiday and capitalisation of the arrears.

 

She did say that she felt intimidated by gmac over the phone ,and felt bullied into finding the £2000 and agreeing to the £150 a month.

 

Any thoughts on this guys

 

Thanx Sham:)

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shammy36,

The most important thing here is that she must be able to prove her agreement with GMAC to pay £150 as additional to her contractual amount. I assume the negotiated payment was documented. I would not encourage phone calls to GMAC.

 

From now on, if she has not done so already, all communications should be in writing and sent RECORDED delivery. She should refuse to discuss matters on telephone and request written responses.

 

I guess the idea that their solicitor was not attending court was a verbal telephone conversation which is undocumented. She may not know or remember who she spoke with at the time.

 

I will suggest she renegotiate with GMAC making sure that all communication is through letter. She must not offer to pay what she cannot afford. She should send all her letters using RECORDED delivery and keep a copy for her personal file.

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Hi, did GMAC's solicitor get a suspended possession order at court?

 

Kind Regards

 

Ell-enn

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Hi Ell-enn,

 

Nice to hear from you again.

 

No it was ajourned with leave to restore.

 

So they did keep to their part of the bargain on that but not on the solicitor attending and adding more costs.

 

Iam sure if she wrote a good well drafted letter to them she could force them to capitolise the arrears , what do you think ?

 

Kind regards Sham

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It's worth a try - if you need any help with the letter I'm happy to draft one, just let me know.

 

Ell

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Hi Ell-enn

 

That would be great , thank you very much.

 

She now has her arrears down to £4393.00 after that lump sum payment and has twenty years left on her mortgage. anything else you need to know just let me know , but i think the jist of it is in the first post.

 

Thanks again Ell-enn

 

Sham

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Hi Shammy - I'm on it ! will post shortly:)

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OK, here you go.... budget sheet also affixed which needs to go with the letter.

 

It needs to be sent by recorded delivery and keep a copy of both letter and budget sheet. Check on the royalmail website in a few days to print off the signature receipt. Keep all together safe in case we need them to prove they have asked for help.

 

Ell

Budget Sheet.xls

Shammy 17 Nov letter.doc

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  • 4 weeks later...

Hi All,

Just a quick update.

 

Ok... The letter that Ell-enn kindly drafted was totally ignored (suprise surprise).

 

Yesterday she had a letter from these toerags saying that she had broken the agreement and unless she brought her account up to date within the next seven days court action would ensue.

 

Now iam thinking the best way to deal with this shower would be to fire off another letter saying how disapointed she is that there was no reply to her request for help , this would add weight to her case if it went before a judge and showed that they were refusing to help.

 

Any thoughts guys ? :)

 

Regards Sham

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Hi Shammy, she definitely needs to send another letter, it will show the courts that she has tried to negotiate with them. If you need any help with the letter, just shout.

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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

 

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Hi Ell-enn,

 

That would be a great help thanks.

 

These sub prime lenders annoy me so much that i think if i drafted a letter to them , they would think it had come from Gorden Ramsey !!!!:D

 

Although , from a few posts on here ive read in the last few weeks there seems to be a definate turning of the tide.

 

hope you are well

 

regards Sham

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I'm fine thanks Sammy, hope you are too:)

 

I'll do the letter later today - got visitors coming 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

 

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Hi Shammy, does your friend have a copy of the letter she sent in November and the proof of delivery?

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

 

 

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Shammy

can PM you the name of a certain Lady at GMAC who works directly under MD suggest you friend contacts her by email with details of suposedly being bullied and I think attitudes might change also enclose copys of letters sent and sending if you want it PM me

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Brilliant, that's all I need to know - will get the letter to you shortly.

 

Ell

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Here you go - make sure she only sends photocopies of the proof of delivery - you may need the originals if it goes to court. Send the letter to the address on the letter she has just received and probably best to send special delivery if she can afford it.

 

Ell

Shammy 15 December letter.doc

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Hi All,

 

Quick update.

 

She had a reply to the first letter that was sent out , in the post yesterday , it says.

 

"Before we can refer your request for consideration to our head office we require some information.

 

Can you please provide a payment proposel stating the amount that you feel you are able to pay for the foreseeable future.We also require you to fill in the enclosed budget form (thats already been sent:evil: )

 

As your mortgage is on an interest only basis a term extension will not affect the monthly payments. ( no mention of a payment holiday or capitalisation of arrears as requested :evil: )

 

Once we have recieved all documentation ,we will refer your request to head office.

 

What a load of tosh !!!!!

 

What makes me laugh is the letter she had yesterday was dated 26 nov , (sent first class no postmark,i dont think so !) The letter threatining court action was dated 2nd dec:-o

 

Any thoughts guys

 

Regards sham

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