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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 
      • 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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Halifax Credit card is it to late?


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Hi all thanks in advance for any help this forum is really helping me wish i had found it years ago.

 

I have attatched the cca i requested a long time ago and a letter rejecting my charges refund claim from a year or so ago. At the time i was in a very very bad place and couldnt be bothered to chase it up (silly i know).

 

Anyway i look any advice on whether i can still claim the £328.75 (including interest) from start of opening of this account, also silly as this sounds the agreement doesnt look very clear to me? (i am nothing like an expert though)

 

The current situation is i am paying a £1 per month to them as with most of my other creditors.

 

thanks in advance

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Nothing to stop you reclaiming the unlawful charges.

 

Prepare an up do date spreadsheet and start the process again with the lender.

 

You may have to sue them to get them back.

 

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This thread is pretty much a start to finish scenario for reclaiming via court and the process involved.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?309037-Charges-older-than-6-years-***WON***-Compound-Int-t-and-**NO-SET-OFF**(1-Viewing)-nbsp

 

Fos are likely to agree with the lender that the charges are fair so I would say they are a waste of time personally.

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just to update for my benefit as much as anything and a few more questions if i may

 

have collated all charges i had on my old sar on the excellent spreadsheet kindly provided by this site, however i then remembered that was only upto last year.

 

I have just had a postal order made out and will send for another sar and then collate all the figures, the claim is already around £600 so i would estimate it would be nearish £1000 by the time i have collated everything.

 

Questions

 

Will me making a claim affect the payment plans i have in place?

 

Never sure on this once should i sign or just print my name on letters to the halifax (or anyone for that matter?)

 

thanks again

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No it won't affect a payment plan as such.

 

It won't hurt to sign but what I would do is just make a slight alteration to your normal signature just in case it gets lifted and mysteriously appears on other documents. (it has been known to happen)

 

Alternatively put crosses through it thus making it more difficult to lift.

 

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thank you again ims

 

one further question which is related but not to halifax, having worked out some charges with other providers that totalk around£70-£130 is the same letter and spreadsheet the correct way to proceed?

 

only reason i ask is for a relative small amount i wasnt sure

 

thanks again in advance

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  • 5 weeks later...

reply today stating the following

 

"Unfortunately you have not supplied enough information to find your details on our systems. Please provide me with further information such as your account numbers (i did), date of birth and previous addresses. I am unable to continue without this"

 

 

is this just a stalling tactic?

 

thanks again

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how does this look?

 

Dear Sir or Madam,

 

 

re data subject access request

 

letter dated 21/09/2012

 

 

Account number: xxxxxxxxxxxxxxxxxxxxxx

 

I am unsure as to why you require further details as you manage to send me my credit card statement every month to the correct address.

 

My date of birth is xxxxxx my account number is above (as per first letter).

 

I look forward to your response within 40 days, as Halifax is obliged to reply under the Data Protection Act. If not I shall seek remedy from the Information Commissioner.

 

Yours faithfully,

 

 

 

xxxxxxxxxxxxxxx

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I'd mention in the letter that it is obvious they are in breach of the DPA (for the reasons you have stated).

 

This being the case you are preparing a complaint to the ICO as this is a clear stalling tactic and that their 40 days for compliance is still running from the date of your original SAR.

 

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  • 4 weeks later...

You are not after a figure.....you would be taking them to court to force compliance under the Data Protection Act with a figure for damages at the discretion of the court.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?208966-Me-and-Them-SAR-non-compliance-claim.-**SUCCESS**(1-Viewing)-nbsp

 

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