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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 
        • 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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covea car insurance help


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in June my partner had an accident, which was his fault and he notified insurance and they sent someone would collect car within 2 days and that the claim should be paid out in 2 weeks, he received a letter in 2 days telling him this and that he should send them the part on the log book and send other part to dvla as well as the mot and any other paperwork for the car. which he did asap. 3 weeks later still not heard anything from the insurance, they then told him his insurance was invalid as he didn't tell them about modifications on the car. he asked what they were as he wasn't aware of any (yes it had tinted windows but presumed it came as standard, as we have seen several of the cars with the same thing) he then said that he thought the car came as is so to speak. they then said it would have to go to the underwriters and if he had any more information he should let them know. we eventually tracked down previous owner who said that she wasn't aware of any modifications either and even sent us the picture's that she used to sell the car. on 21 august he contacted them again to be told they had made a decision and it was void and not paying out, when he asked any questions they told him they couldn't tell him any more until he received this letter and he would get it within 48 hours eventually turned up recorded on 31 august, the day we went on holiday, we came back this weekend. he rang the insurance for information as he didn't know if they was paying out the other car or not, which they are but not his and he was no longer insured not even for his van but they owed him £165 premium. he then rang the recovery place up to try and get his car back to be told was disposed of in the beginning of august.

he then rang the insurance company again and relayed it back to her about his car and she didn't know what to do but said manager would ring him back before 2pm he also asked about the 165 and what it was for. he did ring and said would get in touch with the car as they say that when the car sometimes is there. my partner then asked about his car and said I hope the 165 isn't for the cost of the car as it was worth more than that breaking the car for parts. he said he will ring him back tomorrow as not sure that is happening now, he later tried again to ring them and it wouldn't even connect him it just said that they would be in touch with him. he was trying to found out about his van insurance now so he rang the brokers that dealt with insurance in first place to be told his van is insured and will be till end of his year.

any help or advice would be greatly appreciated.

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What a mess. Based on what you have said the Insurers have made a mistake in voiding the Insurance, as the FOS is clear that voidance is something that should only happen in exceptional cases. Having small modifications is not something that should lead to voidance. If the vehicle had mods which were performance enhancing or changed the risk significantly the Insurers would have a point.

 

Choices

1) Use the FOS complaints process, but this could take time.

2) Get legal advice and look to issue a court claim against the Insurers.

 

Read this from the FOS

 

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/27/27-ins-nondisclosure.htm

 

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/79/79-motor-insurance.htm

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thanks for the replies. as of yet no call back today even though promised they would, he tried ring them on another number to be told manager in meeting and would ring when available. i'm trying to get him to ring fos but he wants to wait and see what happens

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I should have added that it is against FCA ICOBS rules for Insurers to void a policy to avoid paying a claim, unless there is a very good reason. So they could be in trouble with their regulators as well.

We could do with some help from you.

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update to situation - they rang at 4.55 and said that they were going to ring the recovery place as it maybe in another of there yards?. they will ring back again tomorrow after speaking to the accounts manager. we have no paperwork for the vehicle at all as was told to send it in to them asap when the accident happened.they have said that they have cancelled the insurance due to non standard -

front bumper

back bumper

tinted windows

rear spoiler and non standard exhaust

tried to explain we wasn't aware that these were modified and we presumed that the tinted windows came as standard, he is a 40 year old dairy worker not some boy racer but they still wouldn't listen

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update to situation - they rang at 4.55 and said that they were going to ring the recovery place as it maybe in another of there yards?. they will ring back again tomorrow after speaking to the accounts manager. we have no paperwork for the vehicle at all as was told to send it in to them asap when the accident happened.they have said that they have cancelled the insurance due to non standard -

front bumper

back bumper

tinted windows

rear spoiler and non standard exhaust

tried to explain we wasn't aware that these were modified and we presumed that the tinted windows came as standard, he is a 40 year old dairy worker not some boy racer but they still wouldn't listen

 

You need to be able to have the car independently assessed. Was the exhaust a performance exhaust ? Were the bumpers fitted by the manufacturers ? With some cars, they will make changes to standard specification before they have left the factory.

 

Think you have a good case. If they have got rid of the car, I think they will have placed themselves in a very difficult position.

We could do with some help from you.

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not sure about the bumpers or spoilers, we didn't even know they didn't belong to the model of our car. the exhaust is apparently is a twin bore back box?. again we knew nothing about and admittedly didn't mention the tinted windows as we thought they came as standard and not modified as such.

cannot have it assessed, as we rang the recovery place again and they said the definitely don't have the car and was disposed of on 8th august as they had been authorised by covea to do so. its just a waiting game now

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That is pretty heavily modded ! Do you have the purchase receipt? Will the previous keeper provide a statement saying they were unaware of any mods? How would it size up next to a standard model if they were side by side?

Question the insurer on what basis theyare voiding? Is it because they do no touch vehicles with these mods, or they don't like what you ar telling them. If the first, even if its accepted that you have inadvertently not disclosed the mods, if they would not have accepted the risk in the first place, they have good grounds.

Regarding the diposal, that is naughty, they need to compensate over and above the salvage value, also for the Fact they he disposed of our popetty without your express permission. The fos tend to award £500 - £750 for that

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we found the receipt this week it just states car reg and sold as seen. probably the previous owner would give letter stating she wasn't aware of modifications as when we found her she was as shocked as us, she even sent us photo's that she used for the advert. regarding the bumpers we wouldn't know how they would look next to an ORIGINAL model as there is so many makes of the model (fiesta). our point we have tried to put across to the insurers is that had we have known it had modifications, we would have told them, we even told them last year when his other car died that he didn't have a car but would be buying another at the end of the month as he needs one for his 5am starts. attaching photo's - see what you think?.

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I would think the car was modified by a first owner, as it does not look like a special edition that would have been produced by Ford. If you look at adverts for the same model of Fiesta that are being sold at the moment, you will see that the mods are fairly obvious. If you have all the paperwork for the car, you could check with the original ford garage whether the car would have been sold the same as shown in the pictures.

 

Because of the way Covea have handled this by disposing of the car before you had the chance to defend the voidance of the policy and claim, I think you still have a very good chance of winning either via the FOS or in court. If you go the court route you should get legal advice before you start any court claim.

We could do with some help from you.

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thanks for the replies and advice, I have just looked for a fiesta zetec online images and some have the spoiler and some don't . in fairness the only one thing I can see is that the bumper/front grill instead of being lines is a criss cross pattern but again I wouldn't have known otherwise it is only because you said looked modified that I have tried to see a difference to me the actuall other bit of the bumper looks the same

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