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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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Gill V Clydesdale


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:) Hi there,

 

Been reading up on things for a couple of weeks now and decided to go for it. Sent my letter away today requesting my statements. So I will wait & see how I get on. A little nervous though! Never mind, I will keep reading up on things. :)

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Hi Gil,

 

Great start, nothing to get nervous about though - as you've probably seen from reading these threads YB/Clydesdale can be a little harder to tackle, but you've got as much help and support as you need here.

 

Just give a yell if you need anything, and make sure you keep us updated with everything so that we can see what's happening should you need any advice :)

 

PJ x

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer 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. Also visit legal seagulls for more friendly help and advice.

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Thanks PJ,

 

A couple of things you might be able to help with are: The account is in joint names, does that mean we both have to claim against them or can one of us just pursue it? We both signed the form requesting the statements just to make sure that they couldn't waste any time! Have also asked for my credit card statements, so can I claim on both accounts in one go or will they be individual claims. It will probably be just late fees on the credit card & service charges on the bank account. Also we live in Scotland so I understand the procedure is a little different to England. Will be greatful for any help. From what I've read about the Clydesdale I think I'm gonna need it!

 

Thanks to anyone with info, Gill

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Glad to see some more successful claims today:) . I posted my S.A.R - (Subject Access Request) away last Thursday 'Special Delivery' & today my account states that the cheque has been cashed! So just have to wait until I receive them & then the fun will start:D . Will keep you posted,

 

Gil

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Hi,

 

Today I received a letter confirming that the Clydesdale have received my SAR. The letter thanked me for my request. Also confirmed my £10 payment. It then went on to say that they have 40 days with which to comply & that I will be receiving statements in due course.

 

The only thing I was wondering was that my SAR was sent to the Head Office in Glasgow & this reply has came from Leeds. (Advice Quality Unit, Charges Section, Third Floor, Brunswick Point, Wade Lane, Leeds, LS2 8NQ.) I was under the assumption that Glasgow was their Head Office & any correspondance should be sent their.Their letter states that if I need further assistance I should contact Leeds with my reference number.

:confused:

Should my request for charges be sent to Glasgow or should it now be Leeds I deal with.

Anyone??

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Thanks. I'm gonna need it with this lot. I'm also in the middle of changing my bank just now. I don't know if that will affect this claim as we have used there bank for over thirteen years and now we are dumping them & claiming against them!!

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  • 4 weeks later...

Nothing after the 40 days is their normal trend and the ICO appears to be doing nothing to correct this, which is their job. I suggest you nip over to the DPA Non-Compliance FAQ:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

Mine went off last week to Yorkshire and they have until tomorrow to come up with the goods. Seems unlikely they will bother complying with the law. They haven't so far. So Wednesday it's down to the court to begin action to force them to provide them. (Next thread down).

Good luck. You won't need it but you will need a lot of patience, which they thank you for! :roll:

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Cheers Devonshrimper, no need to now as I received statements today (day 40) for mastercard account, my current account statements are at the post office. Will pick them up tomorrow & go through them. They sent letter of apology for taking so long. Seems to be due to amount of requests they've had!!:-o Thanks Again. Gil

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Statements arrived yesterday morning. I received 6 years statements. Should I just chance asking for the 6 years? It all mounts up to just under £300. Do I apply interest at this stage?

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