Jump to content


  • Tweets

  • Posts

    • 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  
  • Our picks

    • 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 
      • 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

Problems trying to claim Friends Life pension


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3328 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I'm trying to cash in my pension. It's very small so as a small pots payment should be easy, nothing ever is though. Friends Life aren't even sending out the claim forms and they've told me that they don't know when they will be able to do so. I'm furious! The money should now be legally mine and earning me interest, but it seems the pension companies are going to hold off payment for as long as possible by not sending out the claim forms. Their excuse is that they are inundated with requests and have a huge backlog. This is twaddle, they've known about the changes for over a year! Surely their must be a way to charge statutory interest from the date claim forms were requested? Any ideas on this would be appreciated..............

Link to post
Share on other sites

Hello there.

 

They may pay you interest if your pot isn't earning anything, but if the money is still invested, you may not be losing out.

 

Are you over age 55 and are you trying to cash it on grounds of triviality?

 

And is this a personal pension or another type, please?

 

HB

Illegitimi non carborundum

 

 

 

Link to post
Share on other sites

Hi honeybee,

Yes I'm over 55 and it will be a triviality payment and it's a personal pension. Just frustrated that I keep being told I'll get the forms within 7 days and nothing arrives. Been told this 3 times so far!

Link to post
Share on other sites

I've been waiting for the forms for 5 weeks. Not too long I know but I wanted to get this rolling before I go away in June. I have contacted the FL pension advisers by email and phone but I keep being told the same thing 'We're sorry you haven't received the claim forms yet, we'll get them to you in the next 7 days' then nothing arrives. I make another call and the same thing happens! (They won't accept a request for a claim form by email). I was told that I'd have full payment 4 weeks after claiming but at this rate I'll never see it.

Link to post
Share on other sites

Hi

I am also have the same problem with Friends Life .I have made many calls only to be told they don't know .

I have just finished a call with a manager at Friends life who has told me they have no idea when the forms will be made available

Link to post
Share on other sites

Who have you spoken to so far please?

 

Customer Services should be able to raise a complaint for poor service for you if you ask them. It would be worth confirming it in writing with them after your phone call, so you have a paper trail.

 

In fairness, I believe some of the final rules were only confirmed a few weeks ago, but I realise this is of no comfort to you. If they say they will send forms in a week, they really should do that.

 

HB

Illegitimi non carborundum

 

 

 

Link to post
Share on other sites

I have only spoken to people on the contact desk . I thought that I would have had some response from Friends life regarding the paperwork so did not really think to get a contact name until this morning.i was unable to get the contact who called me this afternoon as I was out and about .

I have emailed their complaints department and contacted the Financial Ombudsman Service .

The problem I have is that they have not sent any forms out and do not have any idea when this will happen.

I was told it was to do with the administration department this is a very poor service and not acceptable .

Link to post
Share on other sites

I have kept an email+paper+telephone trail for all dealings with Friends Life. I have made a written complaint and their answer was along the lines of 'we may deal with it in a few months time'. There's no point in contacting the ombudsman until you've written a formal complaint letter to Friends Life and waited for their response, they have a time limit of 8 weeks to resolve your issues. I am now talking to TPAS (The Pensions Advisory Service) who are very interested in what's happening with Friends Life and their reluctance to send out any claim forms. I've sent them everything and pointed them towards FL facebook page where they can actually see the people complaining about the same thing.

Follow this link http://www.pensionsadvisoryservice.org.uk/pension-problems/making-a-complaint/how-we-can-help

Choose 'ask us' then webchat in the left column and you can talk to them straight away.

Link to post
Share on other sites

Hi

 

Are you sending your correspondence to the AVIVA Address (as Friends Life was taken over by AVIVA)

 

http://www.expressandstar.com/business/city-news/2015/04/10/aviva-seals-friends-life-takeover/

 

On this link: http://advisers.friendslife.co.uk/ go to the bottom left of the webpage

 

Click on About Us it opens a new webpage

 

Then on the left side of webpage go down and Click on Contact Us (have a little look)

 

(on the above link you can also click on UK Customers for more information)

 

General Enquiries

 

Head Office

Aviva plc

St Helen's

1 Undershaft

London

EC3P 3DQ

United Kingdom

 

Telephone +44 (0)20 7283 2000

E-mail helpdesk@aviva.co.uk

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

Link to post
Share on other sites

Thanks Stu, I hadn't even thought of that! I'll have a good look, Friends Life are not giving out any contact details except their own and all their paperwork has a PO address.

Link to post
Share on other sites

Just glad to be of help

 

I would also consider making a formal complaint to Aviva (details in post#12) about your Friends Life Pension and the constant delays with the forms (why cant they email you the forms) ask.

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...