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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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mo v Halifax ***SETTLED IN FULL***


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hiya,been reading this site for ages,finally decided to try and claim charges back,stumbled already,cant for the life of me get my head around spreadsheet,no matter how much info ive read nothing goin in my brain,couldnt even download it,as you can probably tell im not very good on computers,old you see lol,anyway had this thought,right or wrong i dont know,can i writ e to the halifax and just list the charges,or is this not right,hope someone can advise me thanks

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Well speadsheets are good because if you do the equations, they do all the work for you.

 

However you could write it and do the maths yourself.

 

Alternatively I'd be willing to help you (pro gratis of course). Just drop me a PM if you're interested.

Fox Vs. Halifax

 

Reclaiming: £565.19

Preliminary Sent: 28/9/06

Preliminary Recieved: 29/9/06

Letter Recieved: £224.00

LBA Sent: 11/10/06

LBA Recieved:

Letter Recieved:

Court Filing: 26/10/06

Final Decision:

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Hiya

I simply made a list up of charges, with the dates and the reason for them, with Halifax this will simply be "CHARGES AS NOTIFIED"

total at the bottom and Bobs ya uncle!

hope this helps.

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

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I just listed them

ie:

23/9/05 charges as notified £39

etc

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

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Dont worry!

Nobody is born knowing these things! lol

You can't claim the 8% interest until you get to the moneyclaim part.

You can ask for a refund of the interest charged to you at this stage but its confusing and often doesnt amount to much.

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

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so list the charges just on paper and send this with letter?sorry for keep for keep saying sorry but feel totally thick,its as if the banks can run your life without any comeback,i just hope i can get these charges back so dont want to mess it up

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well im shocked,ive just sat down and listed every caharge,came to 2851.00,ive just realised ive been working just to pay these near enough,letter ready to go recorded delivery monday,do i send it local branch?

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  • 3 weeks later...

sent sar all statements arrived bout three weeks ago,after being really annoyed with myself for paying all these charges,and thinking it was all my fault i came to the amazing ammount of 2560.oo,sent 1st letter bout 2 and a bit weeks back got reply today,sorry your not happy,to cover our costs blah blah blah,we will give you as goodwill 1874.00...whooo,well my question is should i take it its such a lot of money,and ive only sent them one letter,really scared to take it all the way in case they take it back again,if you see what i mean...mo

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thats a good offer compared to most and a lot of money... the decision is always yours but if it was me... i'd tell them that your taking them all the way to court..

 

BUT, thats just my opinion, i don't know your circumstances and christmas is coming up.. ha ha

 

But everyone who has gone all the way so far has got their money back, plus interest...

 

good luck

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Hiya Mo

 

only accept this as part settlement, stick with your time-table, your just about at the end of your battle, I will copy you a letter to send them But dont sign anything Please....

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Good Luck with Your Claim

 

Angi x

 

 

:) If I have been of any help, please click the Scales of 'Justice' in the botton left corner. ;) Thanks

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Hiya Mo

this is the letter I used on all my claims, when offers where made (& Ive won)...

Your Address

Their Address

Date

 

Dear Sir/Madam,

 

Sort Code:

ACCOUNT NUMBER:

 

Your Reference:

 

In response to your letter offering £xxxx as a goodwill gesture - your offer is accepted only as a partial repayment of the outstanding balance and I do not recognise it as a full and final settlement.

Although I appreciate your offer, I would like to notify you that my request is for £xxxx .Please also find enclosed a Letter Before Action. (if you are at that stage on your time-table)

I hope this matter can be resolved amicably and swiftly.

Yours Faithfully

(your name)

.................................................

You have come this far, so another week or 4 wont be a problem, I know what they have offered is a great amount, But remember you paid all of them charges, so you want them ALL back, the full amount & the interest...YES you DO.....

 

 

 

Good Luck with Your Claim

 

Angi x

 

 

:) If I have been of any help, please click the Scales of 'Justice' in the botton left corner. ;) Thanks

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thanks for that,i think i feel reassured,i think,ive no printer at the moment its decided to pack in sods law i suppose so will write it by hand and sent it recorded delivery monday along with everything crossed,thanks again,mo

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You will be fine, Theres loads of support on here, so if you get stuck, someone or everyone will help you out.

 

Im bored now got no more banks to fight hahaha, so Im helping out where I can, dont forget to pm me if you need a chat ok.

Good Luck with Your Claim

 

Angi x

 

 

:) If I have been of any help, please click the Scales of 'Justice' in the botton left corner. ;) Thanks

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already wrote bout my offer,got letter from halifax friday offering me1874.00.am 90 per cent sure im goin to reject this,after some good advice from angie.just wondered whatt other people thought,oh claiming 2700..00

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wondered if anyone else got this reply from halifax?quote i am sure you will appreciate like other oranisations we incur costs for every transaction made,when we pay an item against an unauthorised overdraft or return an item unpaid.we incur extra costs regardless of the shortfall involved,we believe it is fair to pass these costs on to the account affected,as opposed to them being absorbed by other customers. the rest is bla bla..fron diane peter,review manager,core operations,customer relations...

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wondered if anyone else got this reply from halifax?quote i am sure you will appreciate like other oranisations we incur costs for every transaction made,when we pay an item against an unauthorised overdraft or return an item unpaid.we incur extra costs regardless of the shortfall involved,we believe it is fair to pass these costs on to the account affected,as opposed to them being absorbed by other customers. the rest is bla bla..fron diane peter,review manager,core operations,customer relations...

 

All rubbish.:D

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