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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.
      • 1 reply
    • 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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LILA route to bakruptcy


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Hi, after doing some research I've decided to go for this option, I'm a single mum of 4, work part time and have about £8k of debt the majority of which is doorstep lenders.

I'm awaiting my debtors application pack from AIB, I'm to attempt this myself as the CAB could not even give me an initial appointment until April and I can't wait that long.

 

So I have a couple of questions, my shopacheck agent is due to collect £220 from me in friday but I don't have it, would it be worth me phoning in to the office to let them know of my intention to go bankrupt and ask them to stop calling for payment in the meantime or would that be detrimental?

I already spoke to Buchanan Clark and wells and they've put a hold on my account with them for 30 days while I sort it all out.

It'd going to take about a week before I can submit the forms but I'm unsure what to do about paying things while I'm doing it, I simply don't have it to give them as I have to buy food and pay my rent.

 

Also wondering what happens if I miss any debts off the form when applying, some of them defaulted years ago and I've moved house twice since then and don't have all the details.

 

And would it be worth opening a new bank account now or after? I have outstanding bank charges with hbos that I intend to include in the bankruptcy so not sure they'll be to keen on me continuing to bank with them!

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Hiya,

 

I would stop payments if you are deffinate this is what you want to do .

 

When you go BK your BK is advertised in the gazette inviting any creditors to come forward. as long as you are not deliberately withholding them.

 

For your own sake of mind i would open another parachute account as the account may be frozen until things sorted - i opened a coop cashminder account and started transferring all payments into that one.

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Thanks for replying. The trouble with stopping paying the doorstep loans, I've been dealing with the woman for almost 15 years, she isn't gonna take kindly to me saying I'm not paying her anymore, she has almost become a family friend but that's part of their tactics isn't it.

 

I'm trying to collate everything I can think of, got my credit file and searching for any letters and emails I have. So if anything gets overlooked it definitely won't new done on purpose because I want to do this right.

 

You have to disclose all bank accounts on the application don't you? This is what's confusing me as I've read some banks will close your account when you go BK but I have tax credits paid in weekly so would need somewhere else for them to go asap.

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Some do or freeze them til bk finalised so would open another but the coop accept bk individuals and will not close the account

 

 

Just need to be upfront and direct with the doorstopper it won't be the first time she has been through this x

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Is there anybody else I can get to check the form is filled in properly? I can't afford to wait until April to be seen as that would only be the initial appointment I'd still have to wait and.go back.and forward...

 

My sister is going to help me fill it, she used to deal with sequestration when.she worked for hmrc but that was years ago and she hadn't heard of LILA.

 

What happens if I pay the £200 but the form isn't filled in right?

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Thanks for replying. The trouble with stopping paying the doorstep loans, I've been dealing with the woman for almost 15 years, she isn't gonna take kindly to me saying I'm not paying her anymore, she has almost become a family friend but that's part of their tactics isn't it.

 

I'm trying to collate everything I can think of, got my credit file and searching for any letters and emails I have. So if anything gets overlooked it definitely won't new done on purpose because I want to do this right.

 

You have to disclose all bank accounts on the application don't you? This is what's confusing me as I've read some banks will close your account when you go BK but I have tax credits paid in weekly so would need somewhere else for them to go asap.

 

It is extremely important that you open a NEW BASIC BANK ACCOUNT with a bank that you don't owe any money, that way the bank will not be contacted by the AIB following your Bankruptcy application. When opening the account all you need to state is that you intend to pay your tax credit or benefit entitlement into the account,make sure you do this in advance of the application to ensure that there is no suggestion of providing false information. Once the account is opened make sure that all income is paid into the new account to avoid off set by your existing bank.

 

As for the debts stop paying as of now and don't talk to them over the phone, the doorstep collector as Ida states will have seen this situation many times, providing for your family is the most important factor here.

 

As for completing the form if you have difficulty , post up the question number and I will assist from a blank form. Do not rush the application as it is important that is completed properly to avoid losing the application fee.

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remember that they rbs are linked to companies like natwest etc so make sure they are no links

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First big sigh of relief, spoke to my shopacheck agent and told her what I'm doing. She was absolutely fine about it and I'm not taking food off her table really she's only gonna be down by £16 per month by not having me as a customer anymore, phew!

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Form arrived today. It seems straightforward enough. The hardest part is going to be tracing all the debts as quite a few of them have been passed on more than once so its getting a bit confusing as to which is which and what it was originally!

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If you can't establish who the original creditor was, simply list the latest collection agent. One more impotant thing that MUST be included is either 3 months proof of income or bank statements if your earnings and benefits are paid through the bank. If in doubt please don't rush this as it is important that the application is accepted on the first attempt to avoid any risk of losing the £200.00 payment. If need be come back with any questions or alternatively contact the AIB who are very helpful.

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