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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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      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.

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      Many thanks 
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    • 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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Deitus Vs Citicards


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Hello Ladies and Gents,

 

I have received my court date and am in the process of sorting out my court bundle. It's almost complete but does anyone know where I can get a decent transcript from the Whistleblower documentary that I might include? Is it worth doing this or am I barking up the wrong tree?

 

I am due in court on 10th July and have until Tuesday next week to supply my documents to the court so I will be mailing them tonight or early tomorrow.

 

Do Citi have to supply me with similar documentation bundle during this time or is this just on the side of the claimant and I simply receive the defense?

 

Just a couple of nagging little questions :)

 

Hopefully some of you may know and be able to assist. Am getting nervous now....feeling somewhat well out of my depth.

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citi should seen you a court bundle too. although i had to write to get mine!!

if you pm gizmo111 she may be able to help with your bundle and what to include.

Halifax

Settled in Full

Cap One

Settled in Full

Citi Card

Settled in Full

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  • 3 weeks later...

Just got back from court and I think it went fairly well. Judge was fairly down to earth and encouraged me despite my fairly obvious nerves. I got an order for full disclosure within 21 days. Anyone know what happens now or has received data from Citi? Am I to expect a ream of accountancy data that I have no hope of understanding?

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Just got back from court and I think it went fairly well. Judge was fairly down to earth and encouraged me despite my fairly obvious nerves. I got an order for full disclosure within 21 days. Anyone know what happens now or has received data from Citi? Am I to expect a ream of accountancy data that I have no hope of understanding?

 

 

 

Excellent, sounds like you got a nice judge, is there anything for you to comply with on the disclosure order? on mine I had to supply the court and citi with a list of charges, a copy of statements showing charges, copies of relevent laws i was relying on and a statement of evidence, just waiting to see if citi comply, their 14 days are up on the 17th July..

Best of luck..GC

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No, All the order said was that Citi have 21 days to supply the data and then I have 21 days to do something with the data. He also said in the event that any 3rd party analysis raised questions, that it was reasonable to expect Citi to respond direct to the third party regarding this, i.e. if I managed to find accountancy people willing to interpret the data if I am unable to do so myself.

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No, All the order said was that Citi have 21 days to supply the data and then I have 21 days to do something with the data. He also said in the event that any 3rd party analysis raised questions, that it was reasonable to expect Citi to respond direct to the third party regarding this, i.e. if I managed to find accountancy people willing to interpret the data if I am unable to do so myself.

 

Hi Deitus

Better still, no doubt citi will either fail to come up with the goods or try to fob the judge off with their usual £12 and £12.88 costings (without the evidence to back up their figure) looks like its all going your way... I like a happy ending..GC

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  • 4 weeks later...

So I went to court on 10th of July and the judge ordered Citi to provide a breakdown of their costs that justify their charges by July 31st. Surprise surprise they didn't. All they sent me were copy statements with dates highlighted to indicate charges. My question is, what do I do now? Do I wait for my hearing on 18th September or do I write to the court and request judgement by default given that they have failed to comply with the order?

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So I went to court on 10th of July and the judge ordered Citi to provide a breakdown of their costs that justify their charges by July 31st. Surprise surprise they didn't. All they sent me were copy statements with dates highlighted to indicate charges. My question is, what do I do now? Do I wait for my hearing on 18th September or do I write to the court and request judgement by default given that they have failed to comply with the order?

 

Hi you could write to the District Judge pointing out that citi have'nt complied with the order and ask for the defence to be struck out, but citi have a crafty way of filing papers into court late, they just done that with me, only after I sent them a nudge letter, im in court next wed and only recieved their docs on monday, of course they didnt comply with the full disclosure order in my case either..Best of luck..GC

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Definately write to the court.

 

As for what you request, depends on the wording of the order, but would be tempted to ask for judgement by default.

 

Would also be wise to let the court know that in all instances where the defendant has been orderred to provide a breakdown of it's costs the defendant has defaulted on every occasion including an instance at the mercantile court.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Enron you wouldn't have any details of a few of the exact cases they defaulted on would you? Not necessarily to put out publicly but to let me know in order to cite them in my letter? Obviously with the permission of those involved.

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I've got a list here, but think Gizmo's is likley to have more.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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  • 2 months later...

It has been a while since I updated guys, been a tad busy with college etc.

Citi failed to disclose (surprise surprise) so I filed for judgement by default. When we went back to court, the Citi representative was ill prepared and this seems to have gone majorly wrong for them. Also the fact that they didn't appeal the order to disclose but simply chose to defy it did not go down well with the Judge.

They then tried to have the case stayed pending the outcome of the test case, which I explained had no bearing on credit card cases. Apparantly it sounds like they have been successful with this tactic several times before.

Anyways the Judge declined to make give a decision there and then and advised me to go away and come up with some kind of offer to make to Citi which might win them over in light of the prospect of losing.

I decided against this and was duely rewarded when today official judgement came to me (I had had a draft ruling about a week prior) granting my claim in full :D.

I am a poor student, but rest assured, when I get my grubby mitts on the cash I will be making a donation to the site, and would like to thank everyone who helped but in particular Gizmo and Groovycaz. You are all ace people....keep fighting folks :)

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Excellent work buddy!

NatWest - WON! £3350 Paid back

Vodafone - Default removed

Citicards - Judgement awarded for £1898, default remains though...for now....

Capital One- WON! Settled out of Court £392 + Default Removal!

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