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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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Unlawful Car Repo? MotoNovo


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I've been busy reading another thread which is mentioned a few threads above which is basically the same situation and I understand they won damages for the agreement back in accordance with s92 of the CCA 1974.

 

Any idea as to the level of damages? I'm really interested!

 

The big issue here, though, is *if* more than 1/3 has been paid - and the goods have been snatched back then the OP would be entitled to a refund of all of their payments.

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Do my above calculations make sense to you though? As in over a 1/3 has been paid?

 

I'm still reading through the thread I referred to so I will come back but I've seen others that got back all of their payments......

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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certainly will and market value of the car

 

not go my brain on to workout your figures at present

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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certainly will and market value of the car

 

not go my brain on to workout your figures at present

 

dx

 

Thanks.

 

That's ok, have a ponder at your leisure.

 

Oli

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Hi Orfoster,

 

OK looking at your statement:

 

5995 + 2276.08 + 199 = 8470.08

Total due = 8619.08

Diff = 149 (option to buy???)

 

14NOV09 5995 + 2276.08 + 199 + 129.57(option to buy?????) = 8599.65

Diff from total due = 19.43 (for what??????)

 

8599.65 1/3 = 2866.55

8619.08 1/3 = 2873.03

 

So your opening balance was 8599.65 therefore 1/3 should be 2866.55

You paid 176.46 * 14 + 188.46 = 2658.90

Diff to 1/3 = 207.65 (in Moto favor)

 

Total charges to be reclaimed = 12 + 12 + 35 + 35 = 94

Option to purchase fee = 129.57

Total = 223.57

 

So by removing the fees you have IMHO overpaid the 1/3 by 15.92, going by the account opening balance at 14NOV

 

Conversely if we use the 8619.08 1/3 = 2873.03 (1/3) - 94 (charges) - 129.57 (option fee) = 2649.46 - 2659.90 (you actually paid) then you are over the 1/3 by 10.44

 

Were your repayments 176.46 for the duration, i.e 49 months, because this equates to 8646.54 PAID in total

 

Not sure what the 1010 entry on 16Aug is for - did you pay this?

 

I am not an expert but this is what I can gleam from that statement.

 

Irrespective of the 1/3 they took the car from private property which AFAIK is a big no,no without a court order

 

HTH

 

G

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Irrespective of the 1/3 they took the car from private property which AFAIK is a big no,no without a court order

 

 

It's not really. The OP might be able to claim damages but they are likely to be reasonably nominal. The taking the car without a court order whilst it is a protected asset - that's the BIG thing here.

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You don't have a claim against them. Once you terminated, that was it. You cannot unilaterally change your mind. So you couldn't stop them taking the car, and they didn't need a court order. You possibly have a claim for breach of statutory duty for the taking from private land, but even if you do it's worth about a tenner.

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  • 2 weeks later...

In terms of reclaiming the charges applied to the whole thing.

They charged for;

1. Abort Fee

2. Default Fee

3. Collections Management Charge

4. £300 for incomplete service history (it was there and I complained about this but they never responded, it was just a loose page).

 

Are the above reclaimable penalties?

 

If so they total £918 inc 8%

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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yes all of them

 

if they have charged you interest on them

ie the statements show interest every month as an entry

then charge them at THEIR RATE

 

use the CISHEET.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks,

 

On looking at their website they say they are regulated by the FCA but on checking the FCA register for some reason I can't find either FirstRand or MotoNovo by using their postcodes as listed on the bottom of the MotoNovo website.

 

If they say they are regulated should I claim breach of contract in accordance with COBS?

 

Where do I serve N1? Their registered office at FirstRand or MotoNovo (Trading arm)?

 

Cheers

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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  • 2 weeks later...

Ok so a letter was sent to reclaim the charges but we have had a response from MotoNovo saying that the charges were never paid........have a look [ATTACH=CONFIG]46208[/ATTACH]

 

They're saying that they weren't paid but the 50% was paid and obviously included those charges, they make reference to offering a reduction in the debt if it was paid within 14 days but I wasn't able to do this....!

 

The issue around the service book charge (a letter was sent in and they failed to check as the service book document was just loose within the folder) and the abort fee is just another charge in our view.

 

Can I just check that the charges are reclaimable??

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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reading now

 

back later bit buzy

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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notes:

 

Basically, want the default removed from credit file and account marked as settled

..you've now got that..

 

outstanding...

The taking the car without a court order whilst it is a protected asset - that's the BIG thing here.

where are we on this?

have you directly accused them of this yet?

 

on the charges ....

he is talking as if the charges were a 'notianal'

i'e you didn't complete the agreement, so the full bal was not paid?

 

where do they sit on the fact of the £700 to equidebt then?

it does not show on the statements?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Dx,

 

Basically, want the default removed from credit file and account marked as settled

..you've now got that..

Have we? That was what we were confused about TBH it talks about liability and doesn't mention removing adverse information.

 

The taking the car without a court order whilst it is a protected asset - that's the BIG thing here.

where are we on this?

have you directly accused them of this yet?

Yes and they've ignored me on each occasion about this, people are suggesting that damages for this would be negligible?

If you take off the charges etc then it seems as though we reached the 1/3rd but I assume we would have to firstly show the charges aren't right in order to then show the balance was over 1/3rd?

 

he is talking as if the charges were a 'notianal'

i'e you didn't complete the agreement, so the full bal was not paid?

 

where do they sit on the fact of the £700 to equidebt then?

it does not show on the statements?

Feeling a bit stupid about this bit....the charges were applied to the balance, payment was made to Equidebt they took a 40% reduction but really its the point that at the time of applying them they weren't right and that if we won this argument then its over 1/3rd.

 

What's the best course of action?

Do we accept their offer on the default issue in part settlement?

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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part settlement?

 

no i'd write back about the offer.

 

clarify if they are removing all negative data from your file

 

in other words to make myself clear...

 

I thank you for you letter dated dd/mm/yyyy and its contents.

 

I wish before accepting the offer for clarification on the follow points I am not clear about.

 

by stating you are prepared to removed my liability with regard to my credit file -

does this include the removal of the default & any late markers your have placed.

 

in other words for point of clarity, you will ensure that this debt will no longer harm my credit worthiness?

 

you mention nowhere, as far as I can see, a payment of £700 I made to equidebt dated dd/mm/yyyy

[bearing in mind this was a discount from £xxxxx]

 

I know in the whole sceme of things this mens very little to you

but it concerns me that nowhere does your paperwork say athying regarding this money?

 

where did it go? if not off my debt

can you please indicate whom I have to rise a complaint too about this.

 

it was paid in good faith and it appears to me I have been fleeced.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

MotoNovo have replied;

 

Thank you for your email. Apologies for the delay in replying, but I needed to check some details with our Collections Department.

 

Firstly, the amendment to your credit file would be a repair which would include the removal of liability and a removal of late markers from your file from the date of your voluntary termination.

Secondly, referring to the situation with Equidebt, unfortunately, Equidebt have gone into liquidation and never passed any funds to us, hence no mention of them on your agreement account.

 

Please let me know if you wish me to process the amends and I will arrange for the data amends to be made.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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  • 2 weeks later...

So because MotoNovo don't reflect this payment on my account what can I do?

We've accepted their £200 and removal of all adverse info as settlement in just that matter, charges and unlawful repo IMO are still outstanding if we can pursue.

 

Surely them saying it wasn't all paid isn't my problem, not my problem that the debt collectors went bust?

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Account was settled in full with Equidebt on 12 July 2012, they didn't go into administration until 13 June 2013, are they seriously suggesting MotoNovo received no payment nearly 12 months later?!

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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