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    • Please can you avoid posting solid blocks of text. It is difficult for people to read especially when they are using a small screen such as a telephone. Well spaced and punctuated please. I hear what you say about the evidence – but do you have copies of it? And if so can we see it please. That's the point. We want to know what you have. As long as you have the evidence in your possession then you have some kind of control
    • 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
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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
        • Like

SIL LLOyds Loans PPI reclaim ** SUCCESS ***


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Sorting out son-in-laws finances, started looking now at this bunch - has had 3 loans with them since 2002. firs two paid off with little issue but no paperwork, last loan defaulted and recently sold on - this definitely had PPI on it, and have worked out % of repayments going to PPI

 

Have received two letter from their PPI team, including their own very long PPI questionnaire, so they can review the sale. Have ignored so far. does quote a policy number starting with PLE but have no paperwork

 

Assuming a SAR is the best way forward to get details of first two loans so see if these had PPI on and take it from there.

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If you want to see for yourself what the original agreement said, and go through the statements to calculate the repayments of PPI etc., then you either need all the originals or do a SAR.

 

I can see that these companies would prefer to use their own paperwork, it may well contain some well-versed terms that deny you part of a refund - worth looking. ;-)

 

I've one to do like this on the Halifax, they sent me a letter and questionnaire.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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use the fos customer questionnaire

 

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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  • 4 weeks later...

No sar info yet but have rec'd all three statements of account - shows PPI on 2 of the three - got all info needed to input into the spreadsheet. Will put in two separate claims - first for loan repaid in full and see how they respond , then will but in a claim for the disputed loan which they sold on last year - will be interesting to see how they handle them.

 

FOS questionnaire will be used not Lloyds own. Hopefully will post off early next week

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yep sure as long as they weren't a refinance ofcourse...

 

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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Share on other sites

No sar info yet but have rec'd all three statements of account - shows PPI on 2 of the three - got all info needed to input into the spreadsheet. Will put in two separate claims - first for loan repaid in full and see how they respond , then will but in a claim for the disputed loan which they sold on last year - will be interesting to see how they handle them.

 

FOS questionnaire will be used not Lloyds own. Hopefully will post off early next week

 

 

Out of interest, did you repay it in full or use the PPi for that one?

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  • 3 weeks later...

Best laid plans!!

 

- Just got the SAR enough to fill a truck.

 

Have already put into 2 separate spreadsheets

- one for the loan paid off in full and

one for the loan in dispute and sold by Llyods.

 

Will take my time to assimilate the information

- he had lots of charges as a result of offsettting and returned internal DDs

- might try a reclaim under BCOBS if I have the energy.

 

Will box clever and send in claim for first loan

- son-in-law still got an o/s CC debt of just less than £2k we are paying off at £10 a month

so would expect them to offset the payments against this

 

but am I correct in thinking the interest should be paid and not used to offset??

 

Will also state that thet should not assume he would not have purhased PPI elsewhere

and therefore should not reduce the level of the claim.

 

Think this is just another [problem].

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I have a feeling they will try and take the interest as well as the reclaimed PPI if there is an outstanding amount. I'm not 100% what the legal position is though as it is repayment of interest you had previously paid - if that makes sense ?

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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they cant off set the 8% - unless its a credit card PPI reclaim - then they can

but only off the card debt itself.

 

we have know Lloyds to not off set at all BTW

I've seen it twice now

 

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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  • 5 months later...

Eventually got the energy to proceed with the claim - FOS Consumer Questionnaire completed and letter sent to Lloyds PPI team for his first loan - claim about 3K

 

Now for the hard ones - Funding Corporation and Welcome/broker/underwriter all of whom denying liability. Still debts now under control.

 

Intend

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  • 4 weeks later...
  • 1 month later...

Phone call from daughter - complaint upheld!!!

 

Not sure of details but refund in the right ball park and nothing being off-set.

 

Will post more details when I know - cheque due 28 days

 

Intend

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Cheque banked - daughter over the moon - made her families Xmas.

 

Now on to the rest of the reclaims for them

 

Couls a member of the site team change he title of the thread to Success please?

 

Intend

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Excellent news, intend :)

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • dx100uk changed the title to SIL LLOyds Loans PPI reclaim ** SUCCESS ***
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