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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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HFO fan club I need your help!


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HI

After seeing the great help you have given others to beat these animals can you help?

 

My sister is in a panic because one of her neighbours contacted her and said they had been getting harassed by 2 blokes on the phone 06/09/11, who were asking about me and my whereabouts and whether or not i lived at my sisters.

Well i have never lived at my sisters but a few years ago i used it as a C/O address once to something not connected.

My sister does not know these neighbours and neither do i, yet they are being harassed by phone.

 

It concerns a Loan I had in 2003 for a car which was wrecked and i complained and refused to pay. I contacted them in 2005 and asked them if they had sorted it out and didnt contact them again so i havent heard anything until now.

 

so out of the blue i get the attached letter. ( the only letter i have received)

do i just carry on and ignore this although they seem to be just contacting strangers and telling them all the details which i thought was covered under the data protection anyway?

what is the best way to deal with this?

 

my sister is worried and so is the neighbour.

hfo.pdf

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Thanks GH

Well done on your case stayed outcome I read with interest the great work that was done from coledog, brig and donkey et al.

 

I think in my case as others, its another typical rush tactic for them to get money in by any means possible before SB, even if it involves harassing people you dont even know who may or may not live in your district but are close to a relative!

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Hi

 

Did this letter come to your correct address? Did the people who contacted your sister's neighbour say they were from HFO?

 

It looks like they are 'phishing' at the moment. Do you know when the last payment was made on this?

Please support CAG and they will support you.

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Hi Coledog and dadofholly

Thanks for your replies.

 

Did this letter come to your correct address?

No because I have never lived there ever, I asked to use it once as a postal only address because I had split up from a then girlfriend, it was only an c/o address.

 

Did the people who contacted your sister's neighbour say they were from HFO?

I don’t know this but cannot think who else it could be especially has that letter came through, I don’t know this neighbor.

 

Do you know when the last payment was made on this?

I am pretty sure the last payment made was in 2004.

 

What exactley did they say to these neighbours?

I will try to find out exactly as I have never spoken to them, but apparently caused a lot of distress.

 

When in 2005 did you contact welcome - do you recall –

I think April 2005.

 

have you checked your credit file?

I haven’t looked at my credit file for a while now as when I tried online they said that I had to provide my passport or ID and an present address even though I had at one point a few years ago paid to see my file and was given a username and password and I just thought they were being sneaky and I don’t trust them.

 

A

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If the car was written off and the loan had GAP insurance or other insurances on then you probably don't owe anything, it also probably is statute barred and you can report them for chasing a statute barred address.

 

I would report them anyway for contacting people unrelated to the loan, and do it now as they are under investigation by the OFT... http://www.consumerdirect.gov.uk mention the investigation when you contact them, there is a named person for HFO, used to be James Waldron but I believe it has changed lately.

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Yes, it is ..... http://www.oft.gov.uk/contactus for the attention of Polly Ashford. You definately need a complaint about this - however did HFO actually identify themselves when they called the neighbours? It is important to establish that it was them

Please support CAG and they will support you.

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I agree.

 

You need to establish some facts - speak to those neighbours and see exactley what has been said. Possible breaches of data protection act for one. And also possible harrasment of those neighbours if they have phoned more than once. It has already distresed them.

 

Phone welcome on this number 01159 849200 and ask for compliance department. Ask them if they can give you details of when the last payment was made, and to who and when they sold the agreement. Ask them to confirm anything in writing.

 

Or email them info@wfs.co.uk

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Hi

I am trying to get to see my sisters neighbours to find out more and if any names were mentioned.

I will call welcome and ask them for any details but it was from that long ago that i dont have anything in writing or any details of account etc, would they still give me any details?

 

I'll get in touch with the oft too after I get some details and then I will then call back here and post my findings.

 

 

But firstly I have just been knocked over and in shock by 2 letters that have come to my house over the last 2 days from a company called Capquest.

I have only been here for 6 months and I have not given my address out to anyone I am not even on the electoral role.

this concerns 2 crazy amount debts with the royal bank of scotland again I havent banked with them since 2004 for certain.

I had a lot of difficulties where i for a few years i had to live with my girlfriend so again i had no contact address.

but I now bank with the Nat west and I gave them my new address only 3 weeks ago because I had rung them because my card had stopped working, They said they couldnt give me any details over the phone and that i had to call into a natwest branch with proof of who i am.

so now a couple of weeks later I get these 2 letters through!

Nat west are the only people i have given my address to so i am now putting 2 and 2 together to think that nat west gave my details to the RBS and capquest. can they do this? has i know they are in bed with each other so to speak.

again those new debts are from 2003/2004 and i have not been in touch since so they are definitely statute barred what do i do with those? anyone help god knows whats going on and where they are coming from.

Thanks in advance

A

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RBS and Nat west are part of the same group, it would be worth starting a new thread for the capquest isssue, you will get better help from others who have dealt with capquest, maybe theres a capquest fan club.You need to get your neighbours to complain to the OFT regarding HFO.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Crapquest are a bunch of tossers IMO. It will have been NatWest who passed on your address, as BA said they are the same group as RBS. Best to start a new thread and see if you can copy and scan in any correspondence with personal details removed.

Please support CAG and they will support you.

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NatWest would simply have updated the info with the CRAs, where any Tom, Dick or Harry can access it.

 

This is true, you often get DCAs crawling out the woodwork when you open a new account or get credit, however small.

Please support CAG and they will support you.

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NatWest would simply have updated the info with the CRAs, where any Tom, Dick or Harry can access it.

 

This is true. In fact they have an alert system. If you set up an account with a CRA they will "alert" you if anyone does a search, or changes info on your file.

 

In the same way Companies can pay for the same service, so when you change your details or apply for a loan, the DCA's or other creditors you have will be informed. This includes any loan applications you may make. This alerts any DCA's to a possible change in your finances and they will come sniffing.

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The thing is that it is only from this company that i recieved the dca correspondence from.. like i mentioned the other was sent to my sisters house which leads me to believe they worked between each other and surely that cannot be right under the data protection. would that show up if i did a subject access request?

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I would be wary of contacting Welcome asking for written evidence as you will then need to provide an address, which they will most certainly pass over to HFO (who it seems, despite their best efforts, can't locate you). Firstly establish the facts with the neighbours and note it as they tell you what happened. Then report it with all your evidence.

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