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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 
        • 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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Debt Management Companies!!


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HI, ANYONE HAD ANY EXPERIENCE WITH DEBT MGT COMPANIES WHO OFFERED TO CLEAR YOUR DEBTS WITHIN 60MONTHS AND AT THE END DID NOT MAINTAIN THEIR PROMISE DUE CREDITORS BECOMING MORE AGGRESSIVE "DUE TO INDIVIDUALS CLAIMING BACK THEIR BANK CHARGES" ??

WE'RE SORT OF DEEP IN DESPAIR AT THE MO THINKING THAT WE WERE COMING OUT OF THE TUNNEL ON TO FIND THAT WE COULD CARRY ON THE PROGRAMME, GET OUR MANAGEMENT FEE BACK (OF COURSE!!) AND DEAL WITH OUR CREDITORS OURSELVES OR DECLARE OURSELVES BANKRUPT. ANY ADVICE WELCOME APART FROM THE ONE WE GOT FROM THIS COMPANY "YOU GOT YOURSELVES INTO DEBT IN THE FIRST PLACE" ( I SORT OF KNOW THAT)

THANKS IN ADVANCE:shock:

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These firms that offer to clear you debts in 60 months are using the legal IVA route.

This is one step away from full Bankruptcy.

 

In some cases this maybe a very good route to take, but it's not for everyone.

 

 

There are a number of charity services out there that can also assist you with your debts.

 

National Debtline, for FREE CONFIDENTIAL and INDEPENDENT ADVICE call 0808 808 4000 is worth a look.

 

There is Good news, you are now a member of an amazing site that can assist you with your issues.

 

Best thing to do is start a thread on the board for each bank, etc.

 

From there its a case of getting alot of information and spend some time reading the posts here.

You'll find them VERY helpful.

There's a lot of excellent people out there, so please take their advice and listen closely.

 

If you have any question feel free to post them.

Be VERY careful whose advice you listen too

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Hi

Few years back to try and alleviate the stress and pressure I was suffering from dca and bailiffs hounding me every day, I employed a firm called Baines and Ernst to take care of my monthly payments and deal with all the dca's etc. I dutifully payed them £60.00 a month I couldnt afford for the privilege but thought it was worth it. Until 8 months later I had a Bailiff representing my local council call and my worst nightmare came true when he took possessions, and we were threatened with worse all because of non payment of council tax for 6 months previous. Baines and ernst had cocked up and when I told them they didnt want to know, terminated our agreement (mind I was going to anyway) andlefty me worse off than before. I dont believe any of those too good to be true adverts that give hope to those who are at their lowest and should be helped not ripped off. I should have taken it further but I didn't have the mental energy at the time. If things seem too good to be true they usually are I've found...

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Several years ago, I phoned a company called Eurodebt, who sent one of their reps round to discuss my situation. My initial problem was finding the £750 fee required for them to manage my debts. "No problem", said their rep, "sell your motorbike" (which I owned outright) "and get another one on finance." He also advised me that it was in my best interests to use all my credit cards to the limit before they took over. Two pieces of extremely bad advice, which I in my ignorance, followed, signed the papers and paid a monthly fee to Eurodebt. Over the next few months I discovered that Eurodebt were doing nothing that I could not have done, either by myself, or with the assistance of the CAB, i.e. making phone calls, writing letters and filling in forms. As soon as I realised this, I cancelled the arrangement with Eurodebt and took over on my own behalf. However, the damage had already been done.

 

Myadvice would be to avoid all such companies, not that they're all as bad as Eurodebt (who I believe were featured on Watchdog) but why pay for services that are available for free from the CAB, or thst you can do yourself, this I have found the best way to go about things. Seek advice by all means, but no way do you have to pay for this advice.

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I recently (a week ago?) started a thread on the Debt Collectors forum entitled Consumer Credit help - or something similar.

 

Trouble is there ius so much on this site you can lose your way (unless you are a computer expert which I a'int)

 

The CCCS (Consumer Credit Counselling Service have been a Godsend to me now for a year, and I've posted my comments on my thread.

 

Have also consulted National Debtline who have extremely informative factsheets.

 

Both these are charities seemingly funded by the very institutions that are ripping us off, but they are just like the NHS - free at the time of use and, in my view a bloody site better managed.

 

Look for my thread.

 

Van

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I recently (a week ago?) Trouble is there ius so much on this site you can lose your way (unless you are a computer expert which I a'int)

Van

 

If there's something specific you're looking for, feel free to ask - someone'll be more than happy to point you in the right direction :)

-----

Click the scales if I've been useful! :)

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Thanks demon_x_slash.

 

Thanks for your response.

 

I'm going to sound very stupid, I know, but - er - how do I ask?

 

The moderators are obviously hard working and I don't feel I should PM them with a minor question.

 

I'm an elderly, disabled man with no previous computer experience.

 

But I've got my mental faculties and the balls for a fight!

 

Van

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Just post a thread either in the 'New' section - a lot of more experienced Caggers hang 'round that forum for the express purpose of guiding newbies - or in this forum, 'General Consumer Issues' if it's a generalised question. If you're looking for bank templates, bank advice, etc., then go to the relevant forum for your bank and ask in there :)

-----

Click the scales if I've been useful! :)

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