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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.  

      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.

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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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moliver v's Abbey National Mortgage Finance


moliver
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Had a mortgae with ANMFL back in 1997 which came with cashback of about £7k for which i had to pay 0.75% above their standard variable rate on the whole mortgage for five years or repay the cashback. As I had no intention (hope) of paying back the mortgage in that timescale, there was no issue :)

 

I moved house after a couple of years and simply moved the mortgage to the new property - still no problem

 

At the end of 2000 I was offered a job in Jersey where it wasn't really possible to own a house. Couldn't rent it out for anywhere near the amount of the mortgage and so had to sell and repay the mortgage :?

 

Despite various appeals to Abbey, pointing out that if I didn't sell the house I would default on the mortgage the still stung me for £7,438 Early Repayment Charge :evil:

 

There followed various letters all in the same vein including some extraordinary and banal explanations of how they had lost money, which as I pointed out at the time would mean that they would have lost £38,000 had I redeemed the mortgage after one day - banks are really that silly?????????:eek:

 

Eventually they issued a deadlock letter and pointed me in the direction of the Office Of The Banking Ombudsman - at that point I gave up!

 

The I found this site and have now started again.:p

 

First letter sent 4th July 2006

 

P*** o** letter from Abbbey sent 12th July 2006

 

LBA sent 21st July 2006

 

letter from Abbey 26th July - if you want to take us to court - here is the address for service!

 

MCOL

Claim No 6QZ68236

£7,438 plus £3,400 in interest

Issued 29/09/06

 

Ready for a tough battle!;)

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Hi Moliver,

 

Best of luck with this one. Abbey aren't the most accomodating of companies to deal with. Their latest trick is to threaten to multi -track and tell you their costs are already the same as your claim. Have you pmed a mod the claim no and details?

 

All the best

 

Zoot

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Hi Zoot

 

Thanks for your words of support - if their costs are higher than my claim then I wouldn't want to be a shareholder in Abbey. If the ERC is the same value on day one of the mortgage as it is at the end of five years I just can't see how they can argue a 'genuine pre-estimate'.

 

Haven't pmed a mod - how do i do that?

 

 

Regards

 

 

Mark

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Hi Mark,

 

I'll inform the mods. You might like to follow this thread as they are at about the same stage as you.

 

http://www.consumeractiongroup.co.uk/forum/mortgage-companies/28447-stef-abbey-mortgages.html

 

and this one which is a little more ahead

 

http://www.consumeractiongroup.co.uk/forum/mortgage-companies/9207-reclaiming-abbey-mortgage-early.html

 

All the best

 

Zoot

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  • 3 weeks later...

As expected the stalling has started!

 

They had until tomorrow to acknowledge (18th October)

 

Received in the post today a letter from DLA Piper with a request under Part 18 for further information - basically acoount numebr and address.

 

Does this mean that I cannot apply for judgement for a further 14 days?

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Well that's over a week since judgement was issued and I've not heard a word from Abbey, their solicitors or the Court - anyone got any advice on how to proceed particularly as the claim is £11k?

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You can't send in the bailiffs until the judgment has actually been granted. I'm not sure how long it takes from issue for them to enter judgment. In my claim against Littlewoods it was only a matter of days.

 

It might be worth phoning the customer services at MCOL and find out what has happened. It may well be that Abbey are disputing the judgment and asking for more time. Don't contact Abbey at this point as it may well alert them to the fact that they need to get the judgment set aside.

 

All the best

 

Zoot

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  • 3 weeks later...

usual trick by Abbey I am afraid.

Spanish Holiday Rental - 10% off BAG and CAG Members

www.rent-in-spain.org.uk

 

 

Progress so far:

 

Yorkshire Bank - LBA 26/07/06 £1001.00 - £500.50 offered and rejected

RBS Credit Card - Settled £200.00

Sainsburys - Settled in full £100.00

JD WIlliams - Settled in full £50.00

Argos Card Services - £98 - offered £60 and rejected.

Abbey Mortgages - MCOL 2nd October - Deadline 21st

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