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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.

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    • 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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Court Claim received - cabot - old halifax credit card***Resolved by Tomlin Order***


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If they have sent the NoA, then yes that should be removed.

 

Are the missing statements from the beginning of the history or part ways through ?

 

Have you been asked to submit documents with this defence ? I thought they were usually required with Witness statements. I am sure Andy will advise.

 

I guess you could amend 4 to read..

 

4. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the amount claimed is genuinely owed.

 

 

andyorch is not online at the moment - but he will look in as soon as he is :)

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Hi CitizenB,

 

Thankyou for your advice.

 

Missing statements are from the beginning and photocopies received don't have any interest rates showing. On most I am paying 4 different figures of interest as well as late fees.

Then when I was unable to pay,it jumped to 5 different figures of interest. Crazy.

 

Have not been asked to submit docs,just to file and serve amended defence.

Claimant was ordered to to submit docs,I'm guessing as

their original POC was so vague.

They basically submitted all the same docs that they sent in response to my CPR 31.14 request that took them months to retrieve.

No DN was included.

 

Yes,I will amend point 4 to your suggestion

.

regards

babymoll

Edited by babymoll
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Sorry just to refer back to the NOA.

 

They have only just provided this.

I have no such document

with all my paperwork and do not recall receiving it apart from a Caboot welcome letter.

So unsure if this should be mentioned in defence?

 

regards

Babymoll

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Excellent baby

 

 

4.Remains as stated as this is the defence in response to their Particulars

 

With regards to the NoA...disclosure is after the event..... at the time of the summons they had not...so it stays.

 

Regards

 

Andy

We could do with some help from you.

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Andy,thankyou for having a read over and again thankyou for all your advice.

 

Re the NOA-I meant that I never received it at the time of Assignment.

They provided it in response to my CPR 31.14 and also attached it to their new POC'S so should I not refer to it in my amended defence?

 

Also should I include 3c?

 

Regards

babmoll

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Disclosure after the event does not justify their actions to litigate on its absence in the first place...assuming you are content with its contents and form I would still refer to it because at the time of assignment you had not been furnished

with it...its not a showstopper but it adds to your defence and affords you the opportunity to point out the flaws in their actions.

 

Therefore 3 c remains they still have to prove that it was served at the time of assignment.

 

Regards

 

Andy

We could do with some help from you.

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  • 3 weeks later...

Hi Andy,

 

I have today received a Without Prejudice save as to costs letter from Caboots Solicitors!

 

We continue to act for the CLaimant and write in response to your amended defence.

 

Our response would be as follows

 

1.The personal details which you have supplied on the agreement are clearly legible and it is clear that you signed the agreement dated ........2003. As the signature on the agreement matches that on your amended defence.

 

2.We would also state that the Terms and Conditions which govern the agreement and which were also provided are perfectly legible.As the Terms and Conditions also contain the names of the parties to the agreement they satisfy our obligation to provide you with a legible copy of the agreement.

 

3.You owe our client the money outstanding on this account because,as we have already outlined in our Particulars of Claim,our client purchased your debt by way of legal assignment from OC.

By virtue of the legal assignment of your debt,our client has been assigned all legal rights in connection to your debt,including the right to issue a claim for the balance outstanding.

 

4.As part of our PArticulars of Claim,we provided you with:

 

a) a copy of the notice of assignment of your debt which was sent to you

b)a copy of the Account Sale Agreement made between our client and OC.

c)a copy of the raw data relating to your account which indicates that your account was one of the OC's accounts assigned under this agreement.

 

5.With regard to your allegation that section 82A of the Consumer Credit Act 1974 and section 136 of the Law of Property Act 1925 were breached,we would refer you to the fact that a notice of

assignment of your debt was sent to you on or around .........2011 and evidence of this was provided.

 

From the evidence which we have supplied to you,and which we have reiterated in this letter,it is clear that you entered into a consumer credit agreement with OC and that this debt was then legally assigned to our client,leaving our client legally entitled to issue a claim against you oft the money owed.

 

It is equally clear that you have defaulted on your repayment of the money owed to our client and that there is a considerable amount outstanding on the account.

 

Our client has incurred considerable expense in proceeding with this matter thus far and will only continue to incur further costs as this matter becomes more and more protracted.

No doubt you have also been put to considerable expense in defending this matter to this stage.

 

As stated above,it is clear that a debt is owed to our client and therefore,to avoid further costs being incurred to both parties,our client is prepared to accept a payment of £2,000 in full and final settlement of this claim.

This offer will be available to you for 14 days from the date of this letter,after which time the offer will lapse.

 

Please contact us within the next 14 days to inform us whether or not you are agreeable to this offer".

 

What do you make of this?

 

Regards

babymoll

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Just give me a few moments baby.

We could do with some help from you.

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How much is the initial claim for baby?

We could do with some help from you.

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Ok their response relies heavily on the balance of probabilities...7 - 2 is a significant discount and I think something that you should give serious consideration to with view to ending this matter.If you could exploit this offer by way of a Tomlin order with no costs and a payment arrangement then that would be the option I would advocate to persue.

 

Of course there are still errors in their response but enough to force a DJ into dismissing their claim......? I wouldn't bank on it but the choice is ultimately yours.

 

Regards

 

Andy

We could do with some help from you.

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Hi Andy,

 

Thanks again for response. I don't have 2k,so a payment arrangement would be more suitable.Does it have to be within a certain time scale?

 

How do I go about proposing the TO?

Do I just email them or should it be by letter?

 

Regards

babymoll

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You phone write or email and propose in the interests of both parties costs and court time it may be prudent to consider a payment arrangement via a Tomlin Order.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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  • 3 months later...

Just to update this thread-I signed the Tomlin order and am happy with the payment arrangement term of four years,

 

I just want to thank everyone who contributed to my thread and in particular andyorch,who's assistance and advice proved invaluable.

 

Thankyou so much

 

babymoll

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Well done baby Im delighted that this has been resolved to your satisfaction.

 

 

Thread title amended to reflect the outcome.

 

 

Regards

 

 

Andy

We could do with some help from you.

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