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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
  • 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
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Regarding the fact that the "edit post" facility has apparently been changed so it is only available for 10 minutes after posting, not 24 hours.

 

From http://www.consumeractiongroup.co.uk/forum/showthread.php?459296-Freedom-of-Information-Act-being-abused-with-vexatious-FOI-requests.&p=4853996

 

The edit facility has been changed to stop some posters changing their posts on the request of other posters. This is a great idea and welcomed... Now all edits have to be within this time frame or on another post. So not only will this stop straight away it means you have to think what you write before you post therefore making you look before you hit Post Quick Reply. .... Well done admin!!!!

 

To avoid spelling errors you may want to preview you post before hitting the button by hitting the preview post one instead. I have been for some time but still make the odd error but hope it goes un-noticed..

 

Downsides of this:

CAG'ers on smartphones may not have the "preview post" option.

It may well be available on the "full site" rather than "mobile view" options, but in that case, if forcing people towards using the non-mobile option ; why have the mobile view?

 

The problem for people (especially on mobile devices) is that they may post, and have something happen in real life so they can't go back and check their post within the next 10 minutes, loosing the ability to change typos and incorrect "autocorrect substitutions". Sometimes, even despite proofreading, errors aren't spotted until the post has been posted.....

 

Does it matter if an OP alters their post?

I doubt it does, if no one else has replied.

 

If someone has replied : why not "solve the problem" by encouraging people replying to reply with quote (the default on my smartphone). The quoted section won't change even if the OP changes their original post, and provides not only a record of the original post, but context for the reply, too.

 

I think the "baby has been thrown out with the bath water" here, for the reasons I've stated.

Suggestions one should "preview you post" before posting show just how easy it is for typos to slip through, even with previewing.

 

I suggest other solutions (as stated) are better, or even a shorter "lock period" than 24 hours, but nowhere as brief as 10 minutes.

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With all due respect to MM, I have to say I would have expected some kind of notification by one of the site team on this, just as a matter of courtesy you know.

 

Apologies if they have but i missed it of course.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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I suggest other solutions (as stated) are better, or even a shorter "lock period" than 24 hours, but nowhere as brief as 10 minutes.

 

I heartily agree with you. I was just editing a post now and found the new rule bizarre. If the logic for this change was that some posters were being pressured or harassed into changing their posts by other posters, then the solution must surely have been to clamp down on those engaged in such activities in the first place right? I am sure that much more harm than good will come from this and it is very shortsighted. Someone might have posted something that they really didn't want to post and not immediately realised. I don't think that they would feel best pleased seeing the 'please contact admin' message when they tried to remedy the situation.

 

I thought that 24 hours was very reasonable. However, if the shorter lock period is to remain in place, then I would suggest setting it at 12 hours is much more wise, with 4 hours as an absolute minimum. Still, anything would be better than 10 minutes... :-o

What sort of world do you want your kids to grow up in?

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I have had an idea. Can in not be the case that individual forum members could simply 'opt out' of this new time limit, if they chose to do so? I don't know how the forum software works, but assume it shouldn't be a problem. I am big enough and ugly enough to not feel pressured into editing my posts by other forum members. :lol:

What sort of world do you want your kids to grow up in?

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Well, "thems the rules"

Accept them, or post elsewhere.

 

Yet, either this is a recent change to the rules or wasn't enforced previously - so either way it is a recent change in implemented policy.

 

CAG'ers should be able to highlight the upside and downside of such a policy (if done within site rules, so calmly & respectfully), surely?

 

"That's the way it is, suck it up" is a valid response, but doesn't tell CAG'ers if there had been a reasoned debate.

 

"The site team did consider those points, but reached a reasoned decision to set the limit to 10 minutes, and this is reflected in the new rule 3.3" might be more "user friendly" without revealing the details of the site team's 'behind the scenes' deliberations?

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I think the main reason is that people who were found to be mistaken in an argument were going back and altering the disputed post and thereby making a nonsense of any debate thereafter.

 

Although I stand to be corrected on this.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Well, "thems the rules"

Accept them, or post elsewhere.

 

Yet, either this is a recent change to the rules or wasn't enforced previously - so either way it is a recent change in implemented policy.

 

CAG'ers should be able to highlight the upside and downside of such a policy (if done within site rules, so calmly & respectfully), surely?

 

"That's the way it is, suck it up" is a valid response, but doesn't tell CAG'ers if there had been a reasoned debate.

 

"The site team did consider those points, but reached a reasoned decision to set the limit to 10 minutes, and this is reflected in the new rule 3.3" might be more "user friendly" without revealing the details of the site team's 'behind the scenes' deliberations?

 

I was just pointing to the rule in question - I am quite saddened that you would even suggest that my attitude is one of "suck it up" But heyho, everyone entitled to an opinion, yes :)

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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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I was just pointing to the rule in question - I am quite saddened that you would even suggest that my attitude is one of "suck it up" But heyho, everyone entitled to an opinion, yes :)

 

All the same to mee CB i dont correct my spelling in any case, you may have noticed :wink:

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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All the same to mee CB i dont correct my spelling in any case, you may have noticed :wink:

 

Only way we have of knowing you are not an imposter, DB ?

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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I think the main reason is that people who were found to be mistaken in an argument were going back and altering the disputed post and thereby making a nonsense of any debate thereafter.

 

Although I stand to be corrected on this.

 

Easy solution : quote the post being replied to.

Provides context, and can be used to show what was originally posted by the OP.

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