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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
      • 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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Chris P Vs Barclays


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So I am starting my claim today, however stumbled at the first block! Which address do I sent the first letter to? (data protecion - request for statements) My local branch or the head office? I suspect sending it registered post is the best way to proceed, is that how you have all sent your post?

 

This should be quite a meaty claim, possibly up to the 4k level due to my past student years of excess!

Barclays - Going to court

Lloyds - LBA stage

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Hi there

Welcome to the forums.

 

You should send your letters to the registered address for Barlcays, there are sticky notes at the top of the barclays forum with the address, personally i would keep all correspondance to the same address (1 churchill place) as it will get redirected internally without delay, not likely to sit on someones desk for a week like it "MAY" if you send it to a random barclays address.

1st class standard post is fine as long as you get oyur proof of postage from the post office (free)

 

Keep us updated

Sharon

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  • 2 months later...

Hi guys, Thanks for the Advice Sharon and good luck khayes!:)

 

Well its all going smoothly so far, I have received all my statements, within 6 weeks and have added up the total, and well it seems I have been better than I thought! Only £825 worth of charges, which is a little disappointing, I wish I had been more irresponsible!:p

 

So I am sending off my prelim letter today, things going so well I am starting on my second bank account and may even hit my credit cards.

 

Anyway will let you know if things start going wrong I am sure!

Barclays - Going to court

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  • 1 month later...

Barclays havent responded to my Letter Before Action letter and I am about to apply to take them to small claims court.

 

I noticed that I again went over my limit and have been given a £30 'COMISSION' charge. Is this reclaimable? If I wish to claim it will I need to go back 2 stages - ie claim the full amount again or just add it to the small claims claim?

 

Thanks

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Hi Chrisp7, I myself have just issued a claim to Barlcays (last couple of days) and I sent it to the Leiceister address, which is (allegedly)their headoffice! - I noticed £30 commission charges, when I looked at my statements online, but sneakily, they get changed to referral charges when you ask for your statements so yes include them!!! I shall post an update as and when they reply to me!! GOOD LUCK :)

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Hi Sophie, thanks for telling me - how sneaky is that! I just checked my account this is how they are charging me now::p

 

 

14/02/2007 Debit -£30.00 COMMISSION

13/02/2007 Debit -£30.00 PAID REFERRAL 1 @ £30.00

 

Good luck to you too Sophie!

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  • 3 weeks later...

Just an update, I decided to play it safe and send them a 2nd LBA letter with the additional charges, and again they have refused to respond. So I have just made a claim through moneyclaim for £1019 (inc interest). We will see what happens in 14+5 days.:)

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lol! Where are you claiming? I put it for my hometown, Malvern, (in the country) so hopefully my case might be before yours;):p!

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Just an update, I decided to play it safe and send them a 2nd LBA letter with the additional charges, and again they have refused to respond. So I have just made a claim through moneyclaim for £1019 (inc interest). We will see what happens in 14+5 days.:)

 

Dont forget to send a copy of the charges to Northampton

listing your claim number and account details on it.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi Chrisp7, I myself have just issued a claim to Barlcays (last couple of days) and I sent it to the Leiceister address, which is (allegedly)their headoffice! - I noticed £30 commission charges, when I looked at my statements online, but sneakily, they get changed to referral charges when you ask for your statements so yes include them!!! I shall post an update as and when they reply to me!! GOOD LUCK :)

 

 

Interesting Kerry as you CAN claim referral charges but NOT commission since these are normally for services.

any ideas what the commission charges are actually for ?

This looks like a new one to me.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Dont forget to send a copy of the charges to Northampton

listing your claim number and account details on it.

 

Thanks am doing that today, incidentally why dont moneyclaim tell you to do that after payment?

Barclays - Going to court

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Moneyclaim was never set up for claiming bank charges,it was created for simple money claims where partics supposedly would all fit within the online form.

This is one on the main benefits of submitting to open court in that you can attatch all the additional info you want along with the N1.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Moneyclaim was never set up for claiming bank charges,it was created for simple money claims where partics supposedly would all fit within the online form.

This is one on the main benefits of submitting to open court in that you can attatch all the additional info you want along with the N1.

 

Makes sense, thanks Martin:)

Barclays - Going to court

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  • 4 weeks later...

Just an update Barclays have decided to go the stalling route and are filing for 28 days. We will see if they do decide to defend!

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So I received a filing letter today:

 

1. The Particulars of Claim do not provide details of the precise charges alleged to be unlawful or the date thereof. To extent it is alleged that the Claimant incurred bank charges on his account for unauthorised borrowings (whether unpaid fees for returned cheques, "Paid Referral fees" or any other such fees), the Defendant puts the Claimant to strict proof of each charge and the date thereof.

 

 

.... etc etc

 

However The front page mentions that the claim has been transfered to my local county court which is fine.

 

 

the 2nd page mentions

 

IT IS ORDERED THAT:

 

1. The filing of an allocation questionnaire be dispensed with in this case unless the District Judge at the court of transfer orders otherwise**

 

Note: Any party affected by this order may under Rule 3.3 (5) apply to have it set aside, varied or stayed. Such a party must apply under Rule 23.3 within 14 days of service of this order.

 

** Please note that an allocation fee may be payable in this instance. Please contact the court of transfer for further details.

 

 

------

 

And then I have a "Defence and Counterclaim" form - (This is the barclays filing)

 

What am I supposed to do from here? Send a questionnaire? I am confused! (Sorry, if the process is mentioned in a guide do you have a link as in the guide I cant see anything about this).

 

Thanks again!

 

PS I have already paid Moneyclaim and sent off a schedule of charges (immediately after using moneyclaim a month back)

Barclays - Going to court

Lloyds - LBA stage

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this is a relatively new thing,

Judges are becoming wise to the fact that B's have no intention of attending, so they are skipping this process in order to speed things up.

meaning, good news for you.

on to the next stage, wait for your date.

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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  • 1 month later...

I have a court date set fpor the 13th July - so I assume I need to sort out a court bundle, my big concern is the latest news that a Bank actually won one of these cases. What are the consequences of this? I have 2 other ongoing claims should I drop these before they get to court stage?

 

 

A rather worried claimant!

Barclays - Going to court

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  • 1 month later...

Ok My court date is the 13th July and I havent yet sent off anything and I need to do this by the end of today/tomorrow, I cant believe I left it so late - can anyone help out?

 

I assume the photocopying of statements are only the pages of the statements where charges have been made?

 

Also regarding the specific cases, I have downloaded the Court bundle, now it advises that specific cases be added, what have people from Barclays used? And are the recent wins in court relevant to teh current case, if so does anyone have any advice countering it?

 

Also do I need to include the court notice of issue, notice of transfer of proceedings etc?

 

Many many thanks

 

Chris

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