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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.
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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
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Hi there

I have a question relating to a loan that I took in 2004 through Zenith Windows to install double glazing. But Zenith windows went into administration in 2010 I believe.

Loan amount 5K. It is now paid off.

 

How do I go about getting the PPI back from them and the unfair charges.

 

Can anyone help please?

 

Many thanks and much appreciated.

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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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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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Hello DX and Citizen B

I went through some old paperwork and found the agreement and some statements relating to the loan that I had with First National.

 

The statements came from GE Money.

 

However, I found the Insurance schedule and it says FIRST NATIONAL CONSUMER FINANCE (FIRST NATIONAL) PROTECTED PAYMENTS.

 

It shows that a Premium of 532.50 taken out (I presume this for the whole year).

Total Loan amount was £4,840

Insurance £532.50

Documentation £45

Total loan amount £5,417.50

 

1. My account was sold to Asset Link in Jan 2007

– paid off in February 2007

–Can I still claim the unfair charges from GE?

 

2. PPI – from whom can I claim the PPI from?

 

3. Does anyone know First National Protected Payments?

 

I would really appreciate your help on this.

 

Oh I forgot to mention that it was for the double glazed windows through Zenith Stay Bright (Zenith went into administration).

 

The Loan was taken out in Nov 2004.

 

Thought I would give you more information so you have a better picture of the case.

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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

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

Hi DX - thank you so much. The information that you provided is invaluable, and I read most of the case studies. They are very encouraging.

 

Just to clarify the spreadsheets that I need to send out - for the Loan account to claim late fees etc do the Statint sheet.

For PPI do the CI sheet

 

For Credit Cards - again for PPI CI sheet

 

and to claim the late fees etc do the Statint. sheet.

 

I hope I got this right.

 

Would be extremely grateful if could clarify this please.

Many thanks

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Hi DX - thank you so much. The information that you provided is invaluable, and I read most of the case studies. They are very encouraging.

 

Just to clarify the spreadsheets that I need to send out

- for the Loan account to claim late fees etc do the Statint sheet.

 

For PPIlink3.gif do the CI sheet no - no stat int

For Credit Cards - again for PPI CI sheet - possibly , but the FOS running is best or FOS CI is better

and to claim the late fees etc do the Statint. sheet.- not if they've charged int on them - follow your other thread

I hope I got this right.

 

Would be extremely grateful if could clarify this please.

Many thanks.

.............

 

the under lying thing to remember is

 

if they have not charged extra interest monthly after what ever you are reclaiming was levied..

- then you are entitled to statutory interest till they settle.

 

if they have charged extra after what ever you are reclaiming was levied.

. then use 'a' CI sheet.

 

the best one to use is the fosrunning as it does int at their rate and calcs the statint.

but can be a pain to get the running balances right

 

if they latterly stopped charging int, then you are entitled to statint on that figure till they settle.

 

your other thread explains it too

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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Many thanks DX. There is so much to take it in. Was reading early hours of this morning as I would like to understand how it's all done.

 

I am going to do letters and spreadsheet for each one as there are 3 to put in.

 

 

I had a House of Fraser card which also come under GE Money, and another loan from First Tricity Fnance which went to GE which now owned by Santander.

It's all confusing.

Somehow I managed to find most of the paper work for these last night.

So need to send the letters and the appropriate spreadsheets.

 

Thanks very much again for your help.

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Hi DX

I have been compiling letters to various banks re PPI and other charges.

 

I have got the First National which now owns GE/Santander.

I will check the address to get the letters out.

 

Can you please check the spreadsheet that I prepared for the Loan account with First National/GE/Santander and will copy to Cardiff Pinnacle too.

 

 

I have prepared two spreadsheets.

1 for the PPI charge and

2) for the interest and late payment charges etc.

 

Would be grateful if you could please have a look at let me know if they are ok to send off tomorrow.

 

 

Got the Questionnaires and the letters done used the (templates).

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again on a statint sheet you've changed the claim to date

 

YOU DONT ENTER ANYTHING.

 

set it back to the formula I gave earlier.

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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urm yes,,,,,,,,,,,,,,

 

 

you stopped the daily interest in 2007!! as you entered a claim to date of 2007.....

 

 

its now 2017!! 10yrs of 8%....

do wake up at the back..

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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Thanks DX

The account was settled on 7/2/2007 hence putting that date.

 

 

So there was no figures to put after that date. Have I got the correct sheet?

 

Really sorry to be pain, but I would be really grateful if you can guide me to the correct sheet.

 

 

So many things my brain not used to deal with this much figures. Rusty brain. getting old.

 

Many thanks

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already explained in post 9

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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Hi DX you will be pleased to know that I finally managed to work out how the monthly PPI is calculated.

So here it is the latest update it is much less than the previous version because obviously I put a large amount which was wrong.

And I found out the Cardiff Pinnacle email address and the postal address and I am going to send this via both methods.

 

Most importantly I found the Original Agreement that I signed where it clearly said I was in that employment for just 2 months and it was a contract yet I was given the PPI. Going to email today and post it tomorrow.

 

But I need to claim the Unfair charges/late charges - can I claim this from GE as it was GE money that I took the loan from and they levied the charges.

 

Many thanks

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I though you said the account was settled in 2007?

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

then you paid no PPI after that date

why have you entered payments for after that date?

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

Yes settled on 7/2/07 and the total settlement figure is £6,352.92 but I have not used this any where should I be using this as well.

532.50/5417.50*100= 9.829 PPI%

87.36x9.829/100=8.5866 PPI for month = 8.5866 (I rounded up to 9.00)

 

Thought I could use the total settlement figure when claiming unfair charges. Can I do this?

Many thanks

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anything you paid

like before....

9% of it was for PPI.

so 9% of the 6k was ppi ..paid on the date you settled..

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

87.36x9.829/100=8.5866 PPI for month = 8.5866 (I rounded up to 9.00)

 

 

whats that all about?^^^what are you trying to calculate

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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