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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  
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    • 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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HSBC UK DSAR Non-Compliance (GDPR)


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HSBC UK have not complied with my Data Subject Access Request (SAR), submitted under the new General Data Protection Regulation (GDPR).

 

The DSAR was requested on 16/06/2018 and should have been disclosed by 17/07/2018.

 

16/06/2018 - Request sent to HSBC UK for DSAR under new GDPR

 

18/06/2018 - Acknowledgement email received from HSBC UK Customer Care Team

 

22/06/2018 - Acknowledgement letter received from HSBC UK Data Protection Office

 

17/07/2018 - Data not received, so contacted HSBC UK who stated that they were not aware of this request and have not even started to gather data for the disclosure

 

17/07/2018 - Internal complaint made to HSBC UK Customer Complaints Team

 

18/07/2018 - Complaint made to Data Protection Office and Letter Before Action sent to HSBC UK.

Telephoned Data Protection Office and confirmed that they have received both email and LBA.

 

When asked for timescales in relation to compliance for my DSAR,

a team manager has advised they don't know and cannot give any timescales.

I have made them aware I will be reporting the non-compliance to the ICO, but they didn't seem at all bothered.

 

18/07/2018 - Information Compliant Handling Form submitted to ICO

 

18/07/2018 - Complaint acknowledgement received from ICO

 

Next steps:

 

Now waiting for the Data Protection Office to make contact with me to progress DSAR and also waiting for HSBC UK complaints team to pick up the complaint.

 

No doubt this will be towards the end of the 8 FCA timescales!

 

Also,

waiting to see if HSBC UK will comply within the 5 working days afforded to them in my LBA.

 

I very much doubt they will,

due to the large amount of data they will need to gather,

redact and securely send on to me.

 

Will potentially need to look at submission of a POC for a County Court claim if not.

 

Submitting a GDPR POC is unchartered territory for me,

so if it comes to that point,

could really do with some help.

 

Hints/Tips:

 

Some may already be aware of this, but I was not.

None of the calls received at the HSBC UK Data Protection Office are recorded.

 

So when I asked for copies of all recordings to their department, they advised me of the above.

 

Also, HSBC UK Data Protection Office don't advertise or easily give up there email address.

So if you do need to email that team,

you can do so here

roi.poc.fulfilment@hsbc.com.

 

It definitely works,

as I have emailed them my LBA and complaint letter and they have received it the next day.

Edited by dx100uk
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So HSBC have now sent me the full data disclosure as a result of the LBA. I have still made a complaint to the ICO, asking them to make a statutory assessment as to whether or not HSBC has complied with it’s legal obligations under the General Data Protection Regulation. I am also awaiting the results of their internal complaint process.

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  • 2 weeks later...
  • 2 weeks later...

So, I had full SAR disclosure from HSBC. Unusually, they responded to my complaint within 3 days, instead of the usual 8 weeks (as per FCA guidelines). HSBC were very keen to resolve the issue at first point of contact. They offered £250 in compensation, which I have now accepted.

 

I have still submitted a complaint to the ICO, more to make them aware of the non-compliance by HSBC.

 

Admin/Mods this thread can now be closed.

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  • 2 weeks later...

I have a non_compliance issue With HSBC UK too.. I am currently waiting for reply from the ICO. HSBC have not contacted me further to let me know if they are or are not going to comply to the SAR i filed nearly 3 months ago now..

 

Has anyone got more information about getting LBA and starting county court action.. I am in Australia right now, and need to organise to get the action taken in the UK...

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I have a non_compliance issue With HSBC UK too.. I am currently waiting for reply from the ICO. HSBC have not contacted me further to let me know if they are or are not going to comply to the SAR i filed nearly 3 months ago now..

 

Has anyone got more information about getting LBA and starting county court action.. I am in Australia right now, and need to organise to get the action taken in the UK...

 

 

start your own thread or it may get missed as this thread closed

:mad2::-x:jaw::sad:
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