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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 
      • 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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Statute Barred Question


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hi, i,m new to the sight i hope you can bare with me. i have been chased by link financial on and off for 4 years over a debt that goes back to the mid 90,s. After joing this fabulous group i thought the debt was easily statute barred, so i sent link the statute barred letter. I was shocked when they replied, and enclosed a letter i had sent them in 2008 addmitting the debt. i cannot remember sending the letter,but i can,t deny its mine. Any comments would be extremely helpful as there want full payment of over £12,000, which being on benefits is just not possible

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What date was the letter you sent & did it have your signature?
the letter i sent was dated 28/07/2008, and because i didnt know any better at the time, i signed it. I Sent them a prove it letter about 2 months ago,but they never answered, so i sent statute barred one.
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I don't think it is too difficult these days to scan a letter dated 2001 and alter it to 2008.

 

Might be a n idea to sar them and see what you get..................

 

And of course even if you did acknowledge it then, it could well have been s/b before then. Have you looked at

your credit file to see when the last payment was?

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there is nothing whatsoever on my credit file regarding this debt. i will post the sar letter first thing in the morning. The letter is definately my writing, but cannot remember sending it, stupid i know. It annoys me a bit because they duped me into giving info knowing full the debt was statute barred by the time they got there hands on it. Lesson learned methinks. If the worst comes to the the worst, the most they'll get is £1 a month.

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Make sure the SAR is addressed to the Data Controller and you send the £10 statutory fee.

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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This is what Lincs sent me.

"We are fully aware that in the event there has been no action on an account for a period of six years then it becomes statute barred pursuant to Section 5 of the Limitations act. However, we would inform you that part 29 (7) of the Act allows for a current period of limitation to be repeatedly extended by further acknowledgements or payments.

They then quote the letter i sent dated 11/08/2008 in response to their letter dated 28/07/2008

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Needa absolute proof that this is the original letter.

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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ive tried to work back. if the Links goon said i defaulted in 2001 then i think he's about right. i wouldn't have made any payments after then, i was in financial meltdown during the early mid 90'5. It's going to be a long 40 days

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When you need it I have a special ''letter'' for this situation.

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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One of the reasons I asked you to send the sar was to find out what they would have sent you that you would have responded to in 2008 acknowledging the debt.

If it transpires that it was already s/b by then, no problem. If not, you might have to put on your thinking cap to remember when or if, you sent that letter.

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it is definately my letter, theres no way of getting away from it. I sent it because they were threatenning to "serve a notice" on me, whatever that means. They were also sending mail to my elderly mothers. In hindsight i was pretty stupid writing to them, but i knew no better at the time. as i said, i sent them a prove it letter, which they never rep;ied to, instead they sent there bog standard letter introducing themselves to me, which in itself was pretty weird. A couple of weeks ago i let my guard down and answered one of there calls. In the foreground i had one goon asking the usual security questions, in the background another goon shouting "you dont need a prove it letter, you defaulted in 2001," and named the company i defaulted on, after that i just hung up. thats how i assumed i defaulted in 20001.

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hi people. while i wait for Link to send me details of payments made, and last payment details, ive been trying to understand some of the things in their Sar reply, and wondered if someone could answer a question for me. From what i can see the first default on this loan was in 2001, then again in 2006 by Link. If it has a default on it does it stop me claiming it is statute barred? Thanks for your help

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