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    • Please can you avoid posting solid blocks of text. It is difficult for people to read especially when they are using a small screen such as a telephone. Well spaced and punctuated please. I hear what you say about the evidence – but do you have copies of it? And if so can we see it please. That's the point. We want to know what you have. As long as you have the evidence in your possession then you have some kind of control
    • 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
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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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1st Stop and AoE by the old address judgement trick - help to set aside please ****Claim Withdrawn****


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Thanks for clarifying that for me.I have never,at any time, received a DN either.The paperwork from the Court may be waiting at home for me. If it is I will post again tomorrow.I wonder if they will turn up next time.They knew about the Set Aside hearing, and didn't.With regards to the PM. Maybe I was being paranoid.Regards..Signaller

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Received more paperwork from the Court.At the first hearing the DJ said he would order the Claimant to serve myself and the Court with a detailed statement by a certain time and date.But in the paperwork received over the weekend it states:IT IS ORDERED THAT1. The application to set aside the judgement be adjourned to a date to be notified after 19/09/11.2. The Defendant to file and serve a detailed statement of the Claimants account by 4pm on 12/09/11.I thought that the Claimant was to file and serve the statement.Because I have applied for the Set Aside, am I now the claimant and they are the defendant.As you know, they have ignored three seperate requests from me for a statement (amongst other things). The letter also notifies me of a date for the next hearing which isn't until November.As usual, I would appreciate all your thoughts and comments.Thank You.Signaller

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You are the defendant Sig looks like he wants a WS/Statement of the account and why you wish to set a side (mini defence)?

Hes making you work hard for this.

 

Andy

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Thanks Andy.As always, your comments and advice are greatly appreciated.The DJ said he would order the Claimant to provide the Court and myself with a detailed statement.I wonder if I have misunderstood something along the way. Does the DJ want an actual statement of the account, or a statement of why I want the Set Aside, or both.It has already been explained why I was applying for the SA, on the N244.I can't provide a statement of the account because they refuse to send me one.If I have to provide a WS/Defence, I only have until 4pm next Monday.I know you're busy helping others but can you please advise my next step.Thank You in advance.RegardsSignaller

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Thats the way I interpret it Sig if you would rather type out the General Order verbatim.If that is the case you need to prepare

a WS in your defence and support your application by the 12/09 serve a copy on the Claimant also.Not in any great detail wrong address, CCJ unaware, A o E correct address, incorrect figure etc. It is obvious that the Claimant is being being obstructive in allowing the S a S from the response you have received and the DJ attitude.

 

Regards

 

Andy

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Thanks Andy for taking the time yet again to reply.The order is as stated in my post #177.Am I right in thinking that I now need to compose a letter to the Court detailing my reasons for applying for the SA, with copies of letters sent/received.Would this count as a WS,and is there anything specific I need to mention.RegardsSignaller

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Thanks Andy for taking the time yet again to reply.The order is as stated in my post #177.Am I right in thinking that I now need to compose a letter to the Court detailing my reasons for applying for the SA, with copies of letters sent/received.Would this count as a WS,and is there anything specific I need to mention.RegardsSignaller

 

Correct you compose a WS, be careful though reasons to set a side and reason to defend are worlds apart.

 

 

Andy

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I will get on with it tomorrow, as I'm due to finish work soon.The reasons for the SA are clear.As they still have not complied with my SAR I am finding it difficult to prepare a defence.I will have to log off soon but will pop back in tomorrow morning.Thank You so much for your help so far.RegardsSignaller

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Only one reason to set a a side is needed, served on the wrong address and you was unaware until the AoE was filed

miraculously at the correct address:???:

We could do with some help from you.

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I have it in mind what to put in the WS, and will start it this morning.Regarding the defence, the claimant has still not sent me a statement, amongst other things I asked for.They say they agreed to lend me '£x plus interest and charges'.I did not borrow £x, and certainly did not sign to agree to what they claim.I'm not sure how to prepare a defence on this, if I can at all.I'll start on the WS now, and pop back in later this morning.Signaller

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I've written a WS but will have to get to the library later today to print it out. I can't see how I can defend this without the Claimant complying with my SAR.At the first hearing the DJ said he would order the Claimant to supply myself and the Court with a detailed statement by 4pm on 12/09.But on a copy of the order it states that 'The Defendant to file and serve a detailed statement of the Claimants account'.Thinking about it overnight and this morning, I wonder if someone has made a mistake.Will phone the Court as soon as they open and will post again.Getting concerned now, because I am away after tomorrow until Monday, so if I do indeed have to file anything at Court I will have to get it in by tomorrow lunchtime.Signaller

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I dont think you will be able to use non compliance of your SAR to enter a defence? If they have not complied with CPR requests then that is a different matter.

 

If the time is past for compliance with your SAR, then you can actually issue a claim against them for non compliance.

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citizenB - thank you for taking the time to reply. I thought that I could not send a CPR request, as they had already obtained Judgement by default.I never received the initial claim as it was sent to the wrong address.I only became aware of any action being taken against me when I was notified of the AoE order. I have a few valid reasons to be able to have the judgement Set Aside, but it appears the DJ wants to see that I have a defence as well. I obtained a copy of the Claimants application from my local County Court and they only mention the agreement in the PoC.What they say the lent me is wrong.I do not owe what they claim. that is why I sent a SAR. Without their compliance with my SAR I cannot submit a defence.andyorch - I have just came off the phone to the Court. The copy of the order I received is indeed wrong. It is the Claimant that should have been ordered to supply a detailed statement to myself and the Court. They are sending an ammended order out. I asked if I need to prepare a defence and was told that the hearing is for the Set Aside, although it would do no harm to my case if I had one prepared for the day.I have to defend this, as what they claim is wrong.The hearing is now set for 03/11. I would appreciate some help on how to prepare a defence, as I'm finding it difficult to prepare one without their compliance.Regards..Signaller

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Type up their P.o.C then Sig verbatim.Im sure we can rustle a short defence from their S o C.

 

Regards

 

Andy

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1st Stop Financial Services Limited agreed to lend the defendant £952.50 plus interest and charges on 22/06/09.This agreement was in writing.The defendant has failed to make the repayments on the loan.Customer arrears are £762.40.The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from 25/12/2009 to 10/02/2011 on £943.44 and also interest at the same rate up to the date of judgement or earlier payment at a daily rate of £1.55._______________________________________________________________________________________________________Thats exactly as it says.RegardsSignaller

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Many thanks Sig, ok now we wait for the compliance re statement, don't worry about DSARS/CPRS for now, they wont comply,

have you ever requested a Section 77/78 in this matter? If not do one today worth a £1, lets see what response it gets?

 

I can draft a short defence in reply to that P.o.C the day before your hearing, so allay your fears.

 

Andy

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Thanks for the quick reply again Andy. I did not make a s77/78, as I was advised that because judgement and enforcement had already been obtained, they would not necessarily have to comply.I was advised near the beginning of my thread here.I was also advised that they must always comply with a SAR. Remember, I had received nothing at all and was not aware of any action being taken against me until I received the notification of the AoE order.Thank You once again.RegardsSignaller

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Whilst that may very true once a judgment is in place, these clowns dont appear to know one end of a CPR to CCA.

I would suggest you try it for the sake of a £1, the results may be interesting.

 

Andy

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I'll get on with it later today Andy.As you say, it may be interesting to see what, if anything I get back.Can I request DN/TN etc in a s.77/78.Regards..Signaller

 

No only the agreement and a statement(s)

 

Andy

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  • 4 weeks later...

Hi,

haven't posted for a while, as there was nothing to tell. The Claimant was ordered to file and serve a detailed statement by 4pm on 30/09/11. Have just came off the phone to the Court, and they have received nothing. They were supposed to send one to me as well but I too received nothing. Shall I just wait until the next hearing (03/11/11), and is there anything I should/could be doing before then. Thank You.Hope everyone is well.

Regards

Signaller

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Problem is, your judge is clearly a bit of an odd one. Even if it got back to the stage the claim was issued, they would still need to come up with the docs.

 

What exactly did the court order state?

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Sorry, got sidetracked just then. The Order states:

 

 

1 The application to set aside judgement to be adjourned to a date to be notified after 19/09/11.

 

2 The Claimant to file and serve a detailed statement of the defendants account by 4pm on 30/09/11.

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