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

Daverino v Halifax


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6378 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 have also posted on Welcome Forum - asked to go here too.

Hey there, I've been looking at the info and resources on this site for a while now to aid my claim against The Halifax, and I'd just like to say a BIG thank you to the moderators and a high 5 to everyone who's posted so far.

 

All the info and resources available have been a great help and inspiration.

 

The stage I am at presently is that I have served the bank with the necessary letters (Request for info, Preliminary approach for Repayment and Letter Before Action, the latter two with attatched Schedule of Charges) at the correct intervals.

 

This led to just simple acknowledgement by the bank but no attempt at any real dialoge so I have gone ahead and filed a claim with the county court and papers were served on the Halifax as of 15th December, however I did receive an offer of full and final settlement for about half the amount I am claiming for on the 14th December sent out on the 12th.

 

I intend to see it through and will keep you posted so if anyone has any further advice, or would like to ask any questions, please feel free.

Bye for now

Merry Xmas

[sIGPIC][/sIGPIC]

Daverino1:D

Link to post
Share on other sites

Welcome Daverino

Looks like you're right on track - I'm just a little behind you - Halifax should have received my LBA by today so I'll be giving them a New Year present of another court claim - had only one letter of acknowledgement myself.

Good Luck (but none needed)

:)

HALIFAX

30th Oct 06 - 18th Jan 07 - Success in claiming £3617.95

HALIFAX 2nd claim

5th Mar - 16th Apr - Success in claiming £176

EGG (3 accounts)

20th Jan 07 - SAR posted

17th Mar 07 - Paperwork received - bits missing

19th Mar - Non-compliance for missing bits posted

9th Apr - ICO complaint filed

BARCLAYCARD

20th Jan 07 - SAR posted

21st Mar - Statements received

23rd Mar - Prelim posted

31st Mar - Offer for £30 rec'd

10th Apr - LBA sent

Link to post
Share on other sites

Hiya All,

 

I'd just like to add that when sending initial correspondence I have always hand delivered letters at the branch and had receipts signed for the letters at every stage, I have found that a lot of the delay tactics and other such dirty tricks described in a lot of the threads were avoided by this approach. It seems to make the whole process more professional and less emotional which is all the better for us as to the banks it's just another day at the office.

 

Quick question

 

Should I send a letter of rejection to their offer only accepting partial settlement as I received this the day before they were served by the courts or should I just hold fire and wait and see?

You see, they've said at the end of the offer letter that if I do not reply by blah blah date that they will assume I am happy with the offer, which I am not. Although the date they mention is well past the length of time I would expect this to be concluded now.

 

Any advice anyone?

[sIGPIC][/sIGPIC]

Daverino1:D

Link to post
Share on other sites

Just posted a similar reply in another thread but here's my suggestion:

 

As you've already filed, it may be worth telephoning Rachel Hinchcliffe at the Halifax (01422 391895) and check that they've received the court paperwork.

 

One forum member did that yesterday, and got paid out today! See post 90 in http://www.consumeractiongroup.co.uk/forum/halifax-bank/39638-lucy-c-40-halifax-5.html

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

Link to post
Share on other sites

Hey there,

 

Rang Miss Hinchcliffe today but only got a recording saying she is not available, so I left a name and number but no call back as of yet.

 

Will try again tomorrow.

 

Bye for now.

[sIGPIC][/sIGPIC]

Daverino1:D

Link to post
Share on other sites

OK - keep trying, be polite and receptive to what she has to say, and you should be fine.

 

I went a slightly different route, and got my case settled today - just waiting for paperwork now.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

Link to post
Share on other sites

Hello

 

Rang Rachel Hinchcliffe again today but no answer, have left an extra contact number this time, so fingers crossed.

 

PS Hillards - Congrats on your settlement!!

 

Bye for now

[sIGPIC][/sIGPIC]

Daverino1:D

Link to post
Share on other sites

Hi there

 

Rang the legal team AGAIN left another message, still no call back.

 

I don't know if they are ignoring me or if Miss Hinchliffe is on holiday, I guess I'll find out sooner or later.

 

Bye for now.

[sIGPIC][/sIGPIC]

Daverino1:D

Link to post
Share on other sites

They are dealing with a lot of claims for some reason - but it is a bit naughty not to have returned your call. She will be on holiday now of course.

 

Have you checked your account? It may be that they have repaid you, but not informed you of that little fact. It's happened that way for some people, and the fact that your name will have been on her desk could have hurried them up a bit.

 

I took a different route, which may still be open to you (when they get back from holiday next week of course). See my thread - http://www.consumeractiongroup.co.uk/forum/halifax-bank/39442-old-dj-halifax.html. If you do call then point out you've paid the court costs, so you would appreciate them refunding that as part of any deal. They should also include the 8% interest if they play fair.

 

Sorry you didn't get good news in time for Christmas, although there's still Saturday's post to come...?

  • Haha 1

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

Link to post
Share on other sites

:D :D :D

Hello there,

 

Hope everyone had a great Xmas,

 

Mine was pretty cool, and made all the better by the letter I received in the post this morning.

******FULL AND FINAL SETTLEMENT FOR THE TOTAL AMOUNT OF MY CLAIM******

Of course they will not admit liability and put there reason down to a defence not being cost effective blah, blah, ****ing blah and so on.

 

For your info, thay have agreed to pay a total of £1068.30 this does include the 8% added interest claimed at the court papers stage so their delay tactics have cost them around £250 HAHAHA.

 

A big thank you to all the Moderators who I now ask to amend the thread title to - Daverino v Halifax **I WON**.

 

Also thanks to Hillard for your advice, I will be clicking your scales mate.

 

My advice to anyone reading is this - once you have started stick to your guns, ignore the tactics of the bank and carry on regardless, the law is on your side, and read, read, read this sites info and resources will see you right.

 

Bye for now - Be Blessed.:)

[sIGPIC][/sIGPIC]

Daverino1:D

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...