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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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    • 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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Not accepting liabilty and only 3rd party insurance


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Hi,

 

I had an accident last night that 100% was not my fault.

 

I was driving along a main road and a car coming toward me tried to turn onto a side road and smashed into the drivers side of my car, he claimed he believed I was also turning down this road.

 

To complicate matters further I was driving my partners car but under my own insurance so was only covered by 3rd party insurance.

 

It looks like my car is a write off but luckily with it being a Volvo I escaped with nothing other than a stiff neck.

 

I managed to find out online who he is insured with and called them to discuss the matter and was told that the other driver is claiming that I drove into him, this is simply not true and hopefully when I get the police report in a few days this will become obvious.

 

Because I am only covered 3rd party my ins co have said that they have no interest in the case and that I have to deal with the TP on my own, this is leaving me feeling extremely vulnerable and I'm not sure how to proceed.

 

Should I wait for the police report then get back in touch with his insurers?

 

Also, the car is in storage just now and is attracting daily charges, the storage company will hold the car for 21 days before contacting me about it.

 

I've never had to make a claim before, who decides if the car is indeed beyond repair? Who instructs / pays for this?

 

Any help or advice much appreciated.

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Be careful driving other vehicles using your own insurance as very often the intention of the cover is not to allow you just to jump into any vehicle and drive it. The intention is for it to be used in an emergency e.g. if your partner was driving her vehicle and taken ill and you needed to drive the vehicle as your partner was too ill to drive. Check your policy wording to see if there are any restrictions on the cover provided. Reason I mention this is that you may have to fill out an accident report form for your insurers if the third party do try and claim against you. You may have to make careful consideration of the reason you were driving the vehicle on the form else it might get repudiated straight away.

 

With regard to claiming from the TP, do you have any legal expenses cover with your own insurance. If you do then I would suggest giving them a call.

 

To do a claim yourself, you need to be able to quantify an amount that you are claiming for. If you believe that it will be written off then you should get a qualified engineers report (could the place where it is stored produce one?) which you probably will have to pay for. You would then need to send a copy initially to the third party with a pro forma invoice for the amount you are claiming. Give them a reasonable time to settle (say 14 days) and advise them that unless it is paid within the time limit you will be taking court action.

 

Only say it if you mean it and if its not paid within 14 days, go to money claim online so that a summons is issued.

 

The TP should pass it to their insurers to deal with. The insurers will try and fob you off but take none of it. Be firm, give them a time limit to settle and if they don't, get a summons issued.

 

There really is no point in phoning the TP insurers or getting involved with letter ping pong as unless there is a threat of legal action, they will just string you along indefinitely.

 

If you are not confident in doing it yourself then you will need to get a solicitor to deal with it.

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Why were you not a named driver on your partners Insurance ?

 

As has been pointed out, the driving other cars extension on your own Insurance certificate is only for third party cover and Insurers are awkward about paying out on it.

 

I bet that the third party will be claiming injury and that this will drag on for months. The Police report may be inconclusive about fault. The Insurers may decide on a 50/50 and this may cause more delay, as both drivers argue against this.

 

If I were you and incurring daily storage charges, I would get the car back on your driveway or somewhere else asap. Obtain an engineers report as to the work that needs to be done. If you have a good local garage that have room to keep the car (free or cheap storage) and do a report, then this may be worth it. If you end up being partly or wholly at fault, you will have a damaged car that you have to spend money on yourself. You will have some of these storage charges to deal with.

 

If you don't have any legal expenses cover, you may struggle to get a no win no fee company to take it on, unless you have personal injuries and there is a reasonable chance of success. Perhaps wait for the Police report to see what it says first.

 

If you receive any communication from the third party or Insurers about the accident, you must send these onto your own Insurers, without getting involved. It is up to the Insurers providing the third party cover to decide on issues of liability to third parties. But keep copies of any papers received for your own information.

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Thanks for the replies.

 

I realise that not being on my partners insurance and using my own as only 3rd party is not ideal but I have only driven it twice in the last year and a half and am aware of the risks should I be at fault in an accident. I am 100% certain that I am totally blameless in this instance and will go to court if necessary to prove this.

 

I guess I'll need to wait for the police report to see what that says then take it from there.

 

Unfortunately I don't have legal expenses cover so I reckon this will be an expensive and long drawn out process.

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you dont have to wait for police report.

Just write to the TP stating he was responsable for the damage and will inform of the costs shortly with a copy to his insurers.

then when you have all the info. costs and out of pocket expenses, even a hire car if you need one, forward that.

his insurers should send you out a claim form etc. where you stae fully waht happened.

photos of the damage would help to clarify who hit who.

did you take any photos at the time, always usefull ( phone )

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Thanks for the reply raydetinu.

 

I have got letters ready to post to the TP and their insurers stating that I hold him entirely responsible and will be claiming for my losses with a brief description of what happened.

If they accept liability then all's well, I haven't hired a car as I need to be certain that they will pay for it which is my big concern right now as my partner really needs a car for work.

No photos taken at the time but now have photos of the section of road where the accident took place and I also have photos of the damage to both cars.

I am confident that these photos show that the other driver is entirely at fault but reading up on "no witness" accidents has left me less than confident about the outcome.

 

caz

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You don't need to wait for anything.

 

Google First Personal Injury, Injury Lawyers for You or National accident helpline etc etc and get a solicitors to deal with it. Why should you go through the hassle?!

 

The solicitor will be able to get the car inspected by an independant engineer to give you a fair price and deal with compensation for your neck injury.

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You don't need to wait for anything.

 

Google First Personal Injury, Injury Lawyers for You or National accident helpline etc etc and get a solicitors to deal with it. Why should you go through the hassle?!

 

The solicitor will be able to get the car inspected by an independant engineer to give you a fair price and deal with compensation for your neck injury.

 

That's probably the route I'll be taking but I'm thinking that they won't touch it without liability being admitted.

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they will have to get involved, as TP is trying to claim off you for his damage but that wont help you with yours!, suggest you still proceed with your letters to TP and his insurers.

 

Letters posted recorded delivery today.

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So, I'm hoping this is good news!!

 

Accident claim management company after hearing the details of the case and seeing the evidence are willing to take this on at no fee. (they claim their costs from the 3rd party)

 

They are going to pay the recovery company the towing and storage costs and pick the car up from them and take to one of their affiliated garages.

They will arrange an engineer to assess the damage and claim for this from the 3rd party.

They will have a car of similar spec to my Volvo delivered to the house within the next 24 hours.

 

They seem a reputable company, called Complete Accident Solutions.

 

Anybody see any drawbacks to this?

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Yep, if they are not succesful, they wont charge a fee, but you wll stuck with hire charge for car!

no doubt you will have to sign for car and be responsable for payment.

be very careful in what you sign up to!

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Yep, if they are not succesful, they wont charge a fee, but you wll stuck with hire charge for car!

no doubt you will have to sign for car and be responsable for payment.

be very careful in what you sign up to!

 

Agree. They will get you to sign for an expensive hire car, which you will have to pay for, if they cannot reclaim these charges from the 3rd party. If you need a hire car or another car, you would be better off making other arrangements. You can probably buy an old car to get you around and Insure it on a temporary basis. You are then less at risk of a large bill being sent to you, if the the 3rd party is not found 100% liable.

We could do with some help from you.

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Not according to them, even if they lose the case I am not liable for any charges for the car.

 

Obviously I will be checking what I sign when they drop the car off but they assured me that it was their risk.

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  • 2 weeks later...

“The best way to not feel hopeless is to get up and do something. Don’t wait for good things to happen to you. If you go out and make some good things happen, you will fill the world with hope, you will fill yourself with hope.”

― Barack Obama

 

Well done Chief ......:wink:

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