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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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Watchdog poised to crack down on rent-to-own shops


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I am unable to find any other articles on this and sadly this site doesn't allow you to read the full article :(

 

 

Linda Woodall, director of consumer lending at the Financial Conduct Authority, said that initial correspondence with BrightHouse, PerfectHome and Buy As You View had revealed “concerning statistics”. Half of all customers buying household goods on rent-to-own contracts failed to pay in full, she said, with a further 22% either surrendering their products or having them repossessed.

 

Rent-to-own companies offer high-interest credit on household items such as fridges and TVs. The industry argues that it gives poor families a way to finance essential purchases with weekly repayments of less than £10, but critics say the annual interest rates — between 64.7% and 79.9% in BrightHouse’s case — make them “legal loan sharks”.

 

 

 

http://www.thesundaytimes.co.uk/sto/business/Finance/article1516387.ece

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I caught something on the wireless in the car and the reporter was pointing out the "compulsory insurances" that are now built into Brighthouse contracts.

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Uploading documents to CAG ** Instructions **

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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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The City watchdog has been urged by MPs to take action against controversial rent-to-own retailers which charge sky-high prices for household goods.

 

 

 

Stores such as BrightHouse, PerfectHome and Buy as you View have been accused by the All-Party Parliamentary Group on Debt and Personal Finance of forcing people to take out expensive warranties and insurance when buying fridges or sofas through high street stores.

 

MPs have also accused the stores of possibly misselling insurance and services people don’t need.

 

They are today demanding the introduction of "health warnings" to ensure customers are aware of the total cost of agreements and the risks of repossession.

 

Vulnerable customers should also be protected against losing essential items that they have mostly paid for, the MPs said.

 

Their research uncovered the shocking fact that more than a fifth of customers in arrears have had goods taken back by the firms.

 

 

http://www.independent.co.uk/money/spend-save/mps-demand-crackdown-on-renttoown-firms-overcharging-the-poor-10034611.html

 

 

 

 

http://www.standard.co.uk/business/business-news/mps-demand-end-to-ripoff-tactics-of-renttoown-shops-10035314.html

Edited by citizenB
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Hundreds of thousands of customers who buy household goods through rent-to-own schemes are being "ripped off", a group of MPs has concluded.

 

It said some of the poorest people in the UK are being charged interest rates of up to 94% a year to buy TVs or washing machines.

 

The All Party Parliamentary Group on Debt and Personal Finance now wants the regulator to take action.

 

BrightHouse, the largest company, said it was disappointed by the report.

 

Under the rent-to-own model, consumers take out an agreement to buy a product, and then pay weekly instalments until they own it - similar to a hire purchase agreement.

 

But usually customers have to take out compulsory insurance and warrantees, which can double the eventual cost.

 

 

 

http://www.bbc.co.uk/news/business-31356150

Edited by citizenB

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Thanks Guys, much appreciated.

Have we helped you ...?         Please Donate button to the Consumer Action Group

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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Michael Brown reported that this might happen in September of last year.

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?432580-Brighthouse-to-face-parliamentary-scrutiny

Have we helped you ...?         Please Donate button to the Consumer Action Group

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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  • 1 month later...

Why should you be forced to take there 5 star service when you have your own home insurance. would this then be classed as miss selling? hope so as its made items even higher and on longer terms. I have a laptop which thank fully finishes this year. Anyway the frame around the screen has cracked and is coming apart so I contacted them explaining this and they told me to bring it in and they'll send it for repair. I asked them for a loan one whilst its being repaired and they said they can't do that as the loan one is out and they only have one loan laptop in each store.

 

I've just looked at there site and it states 'loan products when required" I still haven't handed it in as its the only thing I have for my online course so I can't be without a computer.

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Dear Beth0o0

 

We've simplified our proposition to offer every customer our “5 Star Service” package. It gives them peace of mind from expensive repair bills when the screen on their tablet cracks or the washing machine leaks. To see further details on what our 5 Star Service covers, please visit our website at: http://www.brighthouse.co.uk/about-us/5-star-service/

 

I’m sorry to hear that the frame around your laptop screen has cracked. I’d like to try and help you, please can you email me at customer.relations@brighthouse.co.uk and confirm your account details (Account holders name, Address and store). Please also don’t forget to include you CAG reference number in the email subject line and we’ll get back to you as soon as we can. Alternatively if you would rather speak to someone, then please contact our Customer Relations Team on 0800 526 069.

 

Many Thanks,

 

Jason

Web Relations Team

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but no customer NEEDS to take out any extra insurance on HP goods!!

there are no laws whatsoever that state HP goods must be insured.

 

 

the sale of goods act protects all purchased items for upto 6yrs for FREE.

 

from day one it was always a part of such rent to own companies business plan to make profits out of these compulsory insurances

else the companies would never have gone into business in the first place offering such goods

 

 

to now 'hide' them, and make them compulsory is daylight robbery

 

 

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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