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    • Come on UB as far as PCR  Test at 40 cycles is concerned a cold IS covid.
    • This is a general comment on the entire situation. First of all that it's been mentioned, by the dealer I believe, that there are no consumer rights in this case because the car is of satisfactory quality. However, the dealer is wrong. This complaint does not relate to the requirement of "satisfactory quality". It relates to the statutory provision that goods must match their description. One can say that this is a much easier factor to measure then "satisfactory quality" which is a kind of rule of thumb view based on the expectations of reasonable consumers. It's very much easier to look at the description of the vehicle when it was being advertised and to compare it with what was actually received. So in that respect, the question is still at large whether the vehicle was as described. In respect of that if the OP is interested in taking some kind of action then I would start off by getting an independent inspection of the bonnet and of the video to see whether an independent inspector formed the view that the damage to the bonnet had been underplayed – either deliberately or accidentally, it doesn't matter. The second comment here relates to the quantum of damages which will be available if the OP brought an action against the dealer and succeeded. I understand that the entire cost of re-spraying the bonnet and then blending the colour into the wings et cetera is something like about £550. This means that an expenditure of £550 would produce a car bonnet which was essentially in new condition. However, the OP did not purchase a new car. The OP purchased a car which was second-hand and which had already suffered normal wear and tear and in respect of which at least some damage on the bonnet had been pointed out. I'm going to say now that the pictures supplied by the OP clearly have emphasised the damage. I don't know whether they have exaggerated the damage but certainly if the dealer had posted those pictures, then he would not been able to sell the car – or at least not at that price. From that point of view is it seems that it is quite possible that there was an element of underplay. If an independent inspection decided that the car had been mis-described and this report persuaded the court, then the court would award a judgement. However the court would then have to decide on the award of damages. A court would balk at awarding a level of damages which essentially handed the claimant a bonnet in brand-new condition – in other words better than she expected to receive when she bought the car. This means that the court have to calculate an apportionment of damages. This calculation would be based on the cost of repairing the bonnet and subtracting the value of the damage already in existence. So for instance, cost of repairs equals £550. Value of existing damage, say, £300 – total award approximately £250. Of course I have no idea whether these figures are correct. The only figure we can actually be certain of is the cost of repairing the bonnet. The rest of it is subject to argument and eventually a decision by the court. A reasonable way of measuring the value of the existing damage to the bonnet might be by trying to assess its effect on the resale value of the car.  What I'm saying here is that people have to tailor their expectations to take into consideration the diminution in value of the goods they have purchased by taking into account the age of that good and any defects that have already been pointed out. Reciprocally the dealer has a certain duty of candour and that is to be brutally frank about what they are selling in order to avoid these unpleasant and damaging disputes. I understand the dealer has already paid out £150. Then the OP may still be out of pocket but she will not be out of pocket to the tune of a completely renovated bonnet.  
    • I hope people are able to read this in the New York Times. Their thoughts on the PM's style and ambition to join the USMCA agreement.   Boris Johnson Visits U.S., Making Jokes but Not Much News - The New York Times WWW.NYTIMES.COM U.K.’s prime minister makes headlines, yet experts say it is unclear if his lighthearted style is helping stake out a post-Brexit role on the global stage.  
    • UK should not need food banks.   Biggest issue affecting UK household finances is the cost of housing.   In my area in the south west, it costs about £1000 a month for a 2 bedroom house.    OK If there are 2 people in work earning above national minimum wage.  But if one of them is not able to work for any period or they are self employed with no work coming in, they may struggle to cover rent and also be able to pay for basic living costs.   If people are in employment, where the earnings are not going to be reliable, as soon as they start struggling they need to be making a claim for Universal Credit. This may provide benefit entitlement which will help towards living costs, during any period where earnings are reduced.   Use a benefits calculator website such as Turn2us or Entitledto, to check the level of earnings where claiming Universal Credit might be required to provide support during a downturn in earnings.
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mrbd
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Hi everyone ive just joined up im doing this for my parents, as i thought they deserved some good luck. I have sent the first letter and was just wondering how long it normally takes to get a response, my dad is panicing a bit as i did read that some people have said that Alliance & Leicester will closed bank accounts down, could any one shead any light on this for me.

Cheers

Ill let you know how i get on.

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my dad is panicing a bit as i did read that some people have said that Alliance & Leicester will closed bank accounts down,

 

True, but they've been fined by the FOS for doing so. See here:

http://www.consumeractiongroup.co.uk/forum/general/63646-alliance-leicester-fined-fos.html

 

If you're concerned, open a parachute a/c at another bank first. See here:

Do you need a parachute account?

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Hi everyone ive just joined up im doing this for my parents, as i thought they deserved some good luck. I have sent the first letter and was just wondering how long it normally takes to get a response, my dad is panicing a bit as i did read that some people have said that Alliance & Leicester will closed bank accounts down, could any one shead any light on this for me.

Cheers

Ill let you know how i get on.

 

Just out of interest, mrbd, what do you mean by first letter? SAR, or preliminary request for the money back?

I would strongly advise you to get your parents to open a parachute account ASAP as A&L have been known to retaliate with account closure at the first hint of a claim. Don't wish to scare-monger but you should be made aware of the possibility. :cool:

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Hi

I have sent the letter asking for statment ect, i'm hoping they wont close the account down yet but my parents have just opened a new account else where, so that is covered, my mum is a bit nervous about doing this but after reading all the info and feed back on this site i have told her it should be o.k, I havn't heard any thing from the bank yet!!!!

Ill let you know

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You'll just have to try and set your mum's mind at rest, mrbd, they've done the most important bit by opening a stand-by account.

Keep going though, I'm sure it'll be a straightforward claim procedure for you as you're not going for anything crazy like contractual interest!

You probably won't see the statements until the 40 calendar days are up. Face it, they've been inundated with requests for them over recent months! Ha ha.

Keep posting. :cool:

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  • 2 weeks later...

Hi, yeh we still haven't received the statments yet but we received the standard statments and guess what with charges on again, when will these banks learn, anyway i will keep you up to date on my progress.

Thanks for all your comments

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