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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 
        • Thanks
      • 81 replies
    • 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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My Payday Loan Story


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Hello,

I have been reading all your payday stories for a while now and finally registered.

I thought I would share my story.

 

It all began in early 2010, needed some extra cash and thought getting a payday loan was a good idea. I paid that back and got another one and before I knew it I had ten payday loans.

 

I was working full time and realised I could not pay these loans back and just paying the interest was using up all my wages.

 

Unfortunately a few months later I was made redundant and found myself in a lot of trouble.

I started claiming job seekers allowance which is not very much.

 

I then did the most silliest thing ever and ignored the debt foolishly thinking it would just go away.

 

3 months later I got a permanent job and decided to conatct all of the people I owed money too.

 

I have agreements with all my payday loan lenders and will be cleared of this debt by Dec 2012.

 

My payday loans are:

 

Capital Finance One

Minicredit

Quick Quid

1 Month Loan

24 7 Moneybox

Payday Express

Payday UK

Fancyapayday

Safe Loans

Payday Overdraft

 

By far the worst ones are minicredit and payday overdraft.

 

My advice is if you want to get out of this payday loan hell you WILL have to default.

 

You must open a new bank account to have your wages paid in.

 

If you use your old bank account, trust me they will try and take your money, believe me I know!

 

Pay everything by DD and standing order - Do not give them your card details.

 

I am turning 30 this week and can finally see light at the end of the tunnel.

 

I can not express the relief I am now feeling knowing that everything is being paid off.

 

Just wanted to share my story and give hope to you guys that you can get out of this hell.

 

If you have any questions or worries, I will be happy to answer them.

 

Amelia

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Only one argument on your story Amelia-Jade you

should NEVER EVER pay these loans by DD always

by Standing order DDs can and be and often are

abused by these loan companies we have seen people

left penniless by misuse off DDs:madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Only one argument on your story Amelia-Jade you

should NEVER EVER pay these loans by DD always

by Standing order DDs can and be and often are

abused by these loan companies we have seen people

left penniless by misuse off DDs:madgrin:

 

 

The only DD I have is with QQ and I have never had a problem.

 

I do understand your comment though.

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Many of the companies will insist that they

are unable to accept payment by SO, the only

reason for this ''policy'' is they cannot manipulate

a standing order, given that they want paying the

will after a fight accept the SO.

 

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Many of the companies will insist that they

are unable to accept payment by SO, the only

reason for this ''policy'' is they cannot manipulate

a standing order, given that they want paying the

will after a fight accept the SO.

 

Brig.

 

Yes I know, I really had to stay strong and stand my ground. The majority want your debit card details and we know what happens

when you give your card details out.

 

When I changed my bank, I applied for a cash card account which meant I would not have a debit card but can have direct debits.

 

It works pretty well for me.

 

When I go shopping, I just draw out some cash.

 

Also for 30 mins once a month to go the bank and transfer the monies to all my payday lenders, its worth it.

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Congratulation!!! you are doing everything right and

will soon be free and clear.

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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hi everyone i just wanted some advice i stupidly took out payday loans coz had car fault also christmas being here, i owe 4 wonga, payday uk, cash genie , wad , i cant afford to pay them all this i only work part time and support my family yes i know its my owe fault but its done now i just waited to know how i go bout setting up repayments and what i do first ! if anyone has any advice i will be grateful thanks

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  • 2 weeks later...

Hi Ameila - I am at the early stages of trying to resolve mine, I have 13 lenders of which many are the same as yours.How did you get on with each of yours in terms of getting a realistic repayment agreement in place? It seems that the ones that have offered me a unmanageable repayment offer are scaring me by insisting interest and charges will continue to be applied if I dont accept the offer.

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  • 1 month later...

Not to mention Payday Overdraft, surely ??? Sorry I really stuggled with this thread! Above poster - try CFO's trade association, COMPLAIN AND REPORT

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Hi Amelia I was wondering how you dealth with the dreaded capital finance one as I could use some advice. They are the only ones who will not agree any form of repayment plan with me.

 

Not to mention Payday Overdraft, surely ??? Sorry I really stuggled with this thread! Above poster - try CFO's trade association, COMPLAIN AND REPORT

 

Strange. I was only thinking of both these companies this morning.

 

Both these want reporting and NOW. CFO for their debt collection practice (MT Collect) and Mr Hart or his employeesfor their total beliggerent attitude

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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did you get a repayment arrangement for Minicredit?! They have been horrendous for me. I'm trying to get a settlement sorted as we speak. Congrats on going a step in the right direction!! I hope that by the end of 2012 I can be almost debt free too :)

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Best thing we can do is stop feeding this thread... the OP hasn't been here in sometime

That was the point I tried to make earlier - some of the more recent threads will be better

Don't get me wrong, I'm just really dead curious how someone allegedly gets 12 months plus of plans setup with all and some of the worst known offenders.... nor do I honestly know of many that give 'a break' without any repercusions - we're not being feed a whole story here

Nor do I seriously see anyone's bank willing to 'put payments through' not in the day and age of internet banking which is why this thread doesn't do anything for me just makes really cruel lenders look nice at first glance

Unless OP is to end up with a mountain of unexpected charges in December which may well happen... they might be back then...

My only advice to anyone would be to prepare to complain, report and if you don't receive emails - send letters recorded delivery and keep of the phone

Edited by asmilecostsnothing
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Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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