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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.
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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 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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Do I have a chance with the Halifax??


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Lulu it depends on where your nearest Court is. If they have a huge backlog like Seaside lady I would do MCOL. Post where it is & I can try & find out for you

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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ah thanks jaynekul.

 

nearest one i think is bromley???

 

i cant believe i havent heard a thing from them.quite tempted to phone them up just to let them know i mean business! thought i would have got a letter acknowledging my lba which runs out on fri tho ! x

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Dont bother wasting your life ringing them you are only throwing your money away. They will say (& I am quoting from my own experiences in the plural) "oh yes your file is marked with a letter to go out today, if you just wait & see then ring us when you get it, until then we cant discuss it further" You will then wait up to 10 more days & then get a letter offering you less than half what you are claiming. Isue then you can get the interest. Bromley doesnt have the backlog weigh up which 1 is best for you then go for it

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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Jaynekul

 

I just had to phone them today even tho you said it wasnt worth it but i just wanted them to know i meant business!

 

They said they were very busy i told them they could save themselves 8% interest if they sorted it out before we went to court they said a letter was being sent to me on the 26th feb.I told them that wasnt good enough for me and that on monday morning I will be filling a claim a against them.They said ok.

 

Im not really that bothered as my interest will be another £300 or so.Would be easier to not go to the courts but as i can see from reading all the posts the banks are not making it easy.

 

Therefore the woman said she will put on my notes that I will be filling against them if I do not hear anything by monday!!Looks like tonight will be me sorting out the interest and filling in the ni form that i have downloaded.

Would it be aprob if I ave any more questions to ask.

 

I have read so many threads yet i still feel that i have no idea what to do or expect from the whole court process.Arghh xxxxx

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Strange...

This afternoon I receieved two phonecalls from the halifax.

1st to my dads house which i havent lived in for 3years.The halifax are so stupid and do not seem to update their records.argh.He told them to try my mob.

I then got a voicemail from Margaret at the halifax.Very mumbled message saying that she was sorry she didnt get to speak to me but will be sending it in the post today! What the hell is 'it'?? I have noooo idea so lets see wot the postie brings in the morning. Bet its gonna be horrid.xx :confused:

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Keep us all informed...

they called me today to tell me that I'm over my authorised o/draft by £60 ish

Got defensive when I told them that if they hadn't taken £312 in charges over the last week or so then the account would be ok..

Survivor :cool:

If you found my advice to be useful, then please click the scales to the left - Thank you.

 

Halifax - 13/01/2007 - Prelim sent

Halifax - 27/01/2007 - LBA

Halifax - 19/02/2007 - Filed N1

Halifax - 21/02/2007 - Telephone call from Halifax offering FULL SETTLEMENT (inc costs & 8% s.69) - RESULT!!

 

Advice & opinions given by Survivor 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.

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It might be an offer lulu. ;)

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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It might be an offer lulu. ;)

I had a similar experience, was told over the phone that a letter was being sent out. When the letter arrived - day before LBA expired - it was just further waffle about '...sorry you're unhappy... ...complaint is being looked into... ...we have until 9th March...'

If they waited until 9th March, then that will be the 2nd time they have tried to push MY deadline back. They really do beggar belief!! I'm sure that my letter was sent to try and delay me filing my claim - guess only the arrival of the post will tell.

I hope that you get an offer, I really do, but my experience, to date, with Haliprats tells me that the only way that themajority of people are getting an offer is by filing a claim at court.

Survivor :cool:

If you found my advice to be useful, then please click the scales to the left - Thank you.

 

Halifax - 13/01/2007 - Prelim sent

Halifax - 27/01/2007 - LBA

Halifax - 19/02/2007 - Filed N1

Halifax - 21/02/2007 - Telephone call from Halifax offering FULL SETTLEMENT (inc costs & 8% s.69) - RESULT!!

 

Advice & opinions given by Survivor 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.

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well.....

no letter arrived! i phoned the halifax this morning first thing.Spoke to a girl who said the letter was an offer for £3980 my claim was for £4216.

 

So she gave me the number of the woman that sent the letter Margaret Mcquire.She was unavailable so spoke to Richard Dewhurst and expalined to him that that was not good enough and that if the rest(£228)was not offered I would be filling against them on Monday.He was very nice and said he didn't want it to get to that.I then explained that if they don't offer the full amount they will have to pay interest plus court costs plus the 228. He told me he would phone me back at 3pm.

 

He didn't!

 

So...

I phoned back again and spoke to a lady called Tracey Jones who has agreed to pay the full amount! All I need to do is ammend the form that was sent yesturday that should arrive tommorrow ,send it off and the full amount will be in my account within 14 days!

 

What do you lot think? I am not counting my chickens till it goes into my account. xxxxxxxxxxxxxxx

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Sounds excellent, but wont congrat you till pennies in account :p

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Well done hope you get the money soon. We are still waiting

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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I had an offer which I accepted on 12 February. The acceptance form arrived the next day and I posted it back to them, recorded on 14 February. £6500 was credited to my account yesterday and I am off to draw the lot out tomorrow and buy myself a new car!!! Thanks Halifax - you bought me a Lexus!!

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They have rung & told me that they are prepared to credit the account tomm or Mon with the undisputed amounts but the rest they are going to apply to have Judgment set aside

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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  • 2 weeks later...

got the whole lot back!!!!!!!!!!!!!!!!!!!! wow!!!!!!!!! went into my account on thursday!!!!!!!!!!!! I will be making a donation xx

 

Thank you sooo much everyone that has helped me xxxxxxx

 

:p :p :p

 

If I can be of any help to others Im here ! xx

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