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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
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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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Welcome Finance any dealings???


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Are you sure you mean this????

Company Type: PRI/LBG/NSC/S.30 (Private, limited by guarantee, no share capital, section 30 of the Companies Act)

Nature of Business (SIC(03)):

8532 - Social work without accommodation

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So Welcome is noe Progressive and Progressive is now Welcome...

But if you issue an N1 to Welcome, can Progressive (now Welcome) refuse it?

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Hi everyone.

 

Just catching up with the thread and reading about the name change for welcome.

 

If you check your credit report they do not do the search under welcome finance but under Progressive Financial Services.

 

I queried this with experian a while back and they said it was a valid check on my credit history by a parent company of one of my lenders.

 

I got a new credit report 3 weeks ago and it has the following.

 

Financial Associations checked by Welcome Financial services in 18/4/2002.

 

they then did another check on 11.06.06 as Progressive Financial Services and I still do not know why.

 

 

ON THE CREDIT ACCOUNT INFORMATION SECTION.

 

Welcome Financial services (mortgage) has been changed to

Progressive Financial Services (mortgage) and this account was closed and last updated on 11.06.06

 

Experian said it was the same company and I cannot see why they can refuse to accept claims.

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Hi guys,

Smoothy in relation to your post

So Welcome is noe Progressive and Progressive is now Welcome...

But if you issue an N1 to Welcome, can Progressive (now Welcome) refuse it?

 

I would state on the N1 the name of Progressive Finance "FORMERLY KNOWN AS" Welcome finance, that would cover it ;-)

Friendship costs nothing but its rewards can be priceless. Do not judge, as you will not be judged but if you can, try and assist where possible.:smile:

everyone is entitled to MY opinion!:D

I offer my comments without prejudice or liability.

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Just like to add a comment about Welcome Finance....I came across someone who works for them and she said they have a competition to see who can make 3 people cry in a day by threatening the with bailiffs etc... NASTY BUNCH OF PEOPLE.

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Just like to add a comment about Welcome Finance....I came across someone who works for them and she said they have a competition to see who can make 3 people cry in a day by threatening the with bailiffs etc... NASTY BUNCH OF PEOPLE.

 

We could do with sending them into them like that CAG member did to the RBS.

 

Thats made me even more determined to fight these tw@ts now, I was gonna leave it till all my other claims had been resolved but prelim now being drafted and will be sent before last post sat so it hits them on Mon am.

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Done my SAR for them today, sent to the Nottingham Trent House address, is that correct?

 

Reckon they owe me a lot of money and I'll be claiming contractual interest, gonna hit these b4$tard$ wher it hurts.

 

Had a lot of grief from them got into arrears just prior to selling the house, I ended up in hospital with pneumonia and this tw@t came round after I'd requested a settlement figure and told mrs raaydaar that we wouldn't be selling the house cos they were gonna repossess it!!!!! all for 3 months of arrears :-x :-x :-x

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Just ask welcome to print a statement , all copies of documentation received by them, if they dont provide this, fill in the Data protection compliance form. If they dont come up with the goods, the debt WILL be removed by the DPCO. Company can be referred to as Welcome, WFS, Progressive financial services, Cattles PLC, Shopacheck, Dial 4 aloan.

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I know that none of us like Welcome or whatever they are called and there's lots of information on here but has anybosy actually claimed against them, if so what for and how are you getting on? As I see it at the moment they're getting away with murder and I think I've only read about one (maybe 2) people actually getting them for something? I'm going to post a new thread so that perhaps we can see how people are getting on with their claims (I haven't got that far yet and want some ammunition first) but this thread is great - even just so that you discover there's other people in the ame boat as you!

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How does this S.A.R. request thing work? I seem to remember reading somewhere that if they don't respond to the S.A.R. within so many days then the debt is unenforceable, does this effectively wipe it out and how would you go about enforcing the fact if that's the case?

I only mouth my opinion, please look elsewhere for sensible advice! :)

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Hi everyone, thought I'd give a run down of my "agreement" on here and see what you all think of it and whether I can either get it written off or claim the PPI back...

In August 05 I borrowed a total of £3425, with PPI of £1093 and at 44%APR another £3082 giving a total of £7642.05 (all I wanted was £2k but I had to pay off part of another loan with them first, £1400)

Included in all this was a £75 acceptance fee and it was payable over 36 months. £212.28 per month. :eek: I'm 15 months in if I've worked it out correctly meaning I have 21 months to go. £4457.88

 

Now - I registered with Checkmyfile.com and according to that, as of August 06 I owed them £3601, obviously that is 4 months out of date now so it is in fact £2752.

 

WTF is going on? This is an elephant on my back now - if I didn't have to pay this out each month I wouldn't be getting to week 3 and needing to borrow off friends for the last week of the month and so spending next month before it comes.

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Just an update on My (un)Welcome Saga.....

 

http://www.consumeractiongroup.co.uk/forum/general-debt/47951-smoothly-does.html#post516355

 

rather than post it all here and hijack the thread :rolleyes::D

 

Smoothy

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I got my statements through today from Welcome finance, I took out a loan of £1500 which worked out at £2100 with interest, that was back in 03, it was due to finish in 05 yet I still owe £1201.56 and heres why.

 

 

131.54 credit

 

Interest Posting 45.65

 

You get the idea, is there anything I can do, I am getting absolutly nowhere. I am making the correct monthly repayments but yet I'm getting charged extortioinate interest, I thought I was getting charges alot of fees etc as I am getting nowhere but its all interest??

 

Fair enough I was unemployed for 6 months and they let me make payments of £20-£30 but at this rate this loan will never end

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Fair enough I was unemployed for 6 months and they let me make payments of £20-£30 but at this rate this loan will never end

 

That's what's done it. Your lower monthly payments won't have been enough to cover the interest each month and so the amount owed rose during those 6 months. That had the knock-on effect of increasing the amount of interest charged each month. If you plug the numbers into the spreadsheet I described somewhere earlier in this thread you'll be amazed at what those 6 months have done to your debt.

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So effectivly Im screwed? The only cure is to get a loan, but If I could get alone elsewhere I wouldn't have went to welcome in the first place

 

 

I think thats whay most of us are on this thread. We have all had to resort to (un)Welcome because our options were limited. We are their prey, now they better pray we dont catch up with them!!!

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