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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  
  • 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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sunny loans with FOS...


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The ombudsman have investigated my loan from Sunny but have decided that is was not irresponsible lending.

Since I lied on the application form (Said I was earning £1250 per month when in fact I was earning £0)

it was acceptable for them to have taken that information in good faith.

 

Sunny did perform a credit check

- but despite my 11 defaults and unpaid payday loans from 5 other lenders amongst other debts

decided I was an acceptable risk for a £400 loan.

 

Will have to try and approach the DCA and see if I can get a full and final settlement

that includes the removal of the debt from my credit report.

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Did an ombudmsan say that, or did an adjudicator, because it goes against the very meaning of responsible lending. By their remarks, you can go to any lender, say you were earning thousands, and get a loan and no checks would need to be made.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I have appealed it because I believe it is an adjudicator

- I received the email around 5:30pm,

 

 

I called straight away but they had left so I could not discuss it today so emailed my response.

 

That was my first point

- I said I worked in a university HR department but actually I am studying HR at a university.

If I was asked for a statement or just one wage slip I would not have been able to supply anything.

 

 

On the income and expenditure I put £0 except for food and transport and nothing was ever queried.

 

My second point was they said they did a credit check

but I had 5+ outstanding payday loans, defaults and debts

- every report scores very poor.

But, I did apply and accept the loan so I am to blame as well.

 

 

I'll see what the ombudsman come back to me with

and if that fails then I will try and negotiate a settlement with the DCA

that includes removal from my credit report

 

 

- I imagine that would be unlikely though.

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Well today has been a day of email tennis with the ombudsman, they initially stood by their decision say:

 

"You’ve said that Elevate didn’t verify any of this information,

however Elevate wouldn’t need to and the assumption would be that your answer were true, correct and honest.

 

 

I can see that Elevate did ask you the necessary questions,

as they wouldn’t be able to lend to you without any form of assessment.

 

 

So while there is some responsibility for Elevate to check this information

there is equal responsibility on you to provide accurate information to them.

 

 

Elevate have confirmed that they did carry out credit checks

and did find some adverse information

- so they reduced the amount they lent to you.

 

 

The loan was lent to you because based on the information you provided it was deemed affordable."

 

I said I wanted to appeal this and have been asked to provide my bank statements

showing a student account £2000 overdrawn and the details from my credit report.

I have sent this but I doubt I'll hear anything further today.

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Well today has been a day of email tennis with the ombudsman, they initially stood by their decision say:

 

"You’ve said that Elevate didn’t verify any of this information,

however Elevate wouldn’t need to and the assumption would be that your answer were true, correct and honest.

 

 

I can see that Elevate did ask you the necessary questions,

as they wouldn’t be able to lend to you without any form of assessment.

 

 

So while there is some responsibility for Elevate to check this information

there is equal responsibility on you to provide accurate information to them.

 

 

Elevate have confirmed that they did carry out credit checks

and did find some adverse information

- so they reduced the amount they lent to you.

 

 

The loan was lent to you because based on the information you provided it was deemed affordable."

 

I said I wanted to appeal this and have been asked to provide my bank statements

showing a student account £2000 overdrawn and the details from my credit report.

I have sent this but I doubt I'll hear anything further today.

 

How wrong of them to lend to you if their checks should have revealed your adverse financial position ; they should write off what they wrongly lent.

BUT

 

Then you will have caused them to suffer a loss.

If you dishonestly made a false representation (lying about your income) in order to make a gain, or to expose them to a risk of loss :

What is to stop them reporting you for "fraud by false representation"?

 

Tread warily.

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It's a mess I have created myself, I was worried about raising any kind of complaint because of the lies I had told on the initial application form. It was only after debt advice that I did, I was told it was extremely unlikely I would be reported or have action taken against me as it would highlight that suitable checks were not being carried out before loans were issued.

 

It is something I am concerned about but so far it has not been mentioned.

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  • 3 weeks later...

Well the adjudicator dealing with my complaint has changed their opinion and has now requested that Sunny remove any charges and interest, and remove any adverse history from my credit report.

 

This will remove a default from experian, and remove late payment notifications from equifax and call credit.

 

This will leave just the loan amount of £400 to be repaid.

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new thread created

 

 

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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  • 3 weeks later...

Alternativly

issue a small claims? :p

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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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Sunny finally responded, and they have not accepted the adjudicators assessment and have requested an ombudsman to review the case. Don't know what the outcome will be on this.

 

My credit reports have just updated, on Equifax and Call Credit the loan shows settled (After 4 missed payments), where as on Experian a default has been applied. I thought maybe it was just a delay on Equifax and Call Credit but Experian had the default in Feb. Don't know why they differ.

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  • 3 weeks later...

The ombudsman have upheld my complaint for irresponsible lending and instructed Sunny to remove all interest and charges, and remove all record of the loan from my credit file.

 

In an unexpected move Sunny have cleared the principle amount as well and emailed me stating I need take no further action.

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well done

dx

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Please help.

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

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