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    • Please can you avoid posting solid blocks of text. It is difficult for people to read especially when they are using a small screen such as a telephone. Well spaced and punctuated please. I hear what you say about the evidence – but do you have copies of it? And if so can we see it please. That's the point. We want to know what you have. As long as you have the evidence in your possession then you have some kind of control
    • 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
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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 
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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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Help against Natwest/Cobbetts...


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Hi

Hoping for help:confused:

Received defence from cobbetts today, and realise i have made a few errors. i have made my claim through MCOL and have not stated my account number. second i havent forwarded a schedule of charges to the court although sent to the bank. Finally 3 of the charges go outside the 6 year limit.

Should i send an ammended schedule or stick to the origanal as the ammended will not add up to the figure given to MCOL.

Cobbetts have requested more info persuant to CPR part 18, asked to provide a response to CPR 18 in 12 days or they will request an order striking out the claim in view of the deficiences in the way the claim is pleaded.

Is all losticon5.gificon13.gif

 

Thanx to all who help

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Hi Joe, welcome on board the nutty west forum.

 

Firstly, don't panic as all isn't lost! You can file an amendment to your claim, see here Form N244 - application notice It costs £35 which you cannot reclaim - but it's worth it to ensure your claim is correct. Update your schedule of charges and forward it to the court as well, and I'd be inclined to leave the three pre-six year charges in the schedule.

 

With regards to the CPR 18 request, you're not actually obliged to complete this at all unless the court direct you to do so. So, if Cobbetts have asked for this to be completed as opposed to the court, send them this letter http://www.consumeractiongroup.co.uk/forum/natwest-bank/55874-letter-court-re-cpr18.html along with an up to date copy of your schedule of charges.

 

Which county court have you filed with (just being nosy!!!)

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If it's at Northampton you can expect the claim to be moved to your local county court now that cobbets have submitted their defence. You can't just send the schedule and ask for it to be attached as this is classed as an amendment. Once you get to the court stage with your claim (which you're at now!) you have to follow the procedures laid down by the county court system - and that means you have to file an N244 amendment form to ensure your claim is completely accurate.

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£35 quid it is then if it puts 2 grand back in my pocket its worth it. If i update my schedule of charges is this not going to conflict with the figures already given to the court as the interest amount will have risen, or does the ammendment allow for this.

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I don't think it'll matter to be honest - you're amending your claim anyway so once you've done your amendment form, attach an up to date copy of your schedule of charges. Check your claim thoroughly as if you have to make further amendments to your claim at a later date, it's £35 each time you file the form!!!

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I'm pretty sure you have to download the form and send it off with the fee. If you have a look at the notes on the first page (small print) it says to send off to the court with the fee. Make sure you send a copy for cobbetts and keep a copy for your own records as well. Hopefully, Michael Browne (brilliant on the legal stuff) will have a look at your thread and correct me if I'm wrong. Just a thought, but have you checked MCOL to see if the case has been transferred to your local court yet??? If it has, you'll need to send the info to them as opposed to MCOL. In fact, it's probably worth waiting and submitting to your local court!

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No, the letter (plus correct schedule of charges) goes to Cobbetts, but send the court a copy anyway with a short covering note asking for the info to be added to your claim file.

 

Can I just check as well? You said you missed your account number off the original claim submitted via MCOL????

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When you complete the N244, I think you'll need to file an amendment to your original particulars based on particulars from here:

4. Particulars of claim - N1 - hard copy version This way, you can make sure that you add the account number plus the up to date schedule. I'm also going to ask Michael Browne to have a look at this for you - I think you need somebody really experienced on the legal side to check out your thread and make sure you get everything spot on with the amendment. I'll send him a PM. Good luck - keep us posted! Hedgey xx

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Joe, have a really good read through this thread as well http://www.consumeractiongroup.co.uk/forum/lloyds-bank/47344-claim-too-vague-defence.html?highlight=messed+up+claim Don't worry where it says Lloyds/[problem] - it's a sticky in the Lloyds forum but it may be useful for your to read before doing any amendments.

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Yes, do exactly as Hedgey advises and follow all the links given:

 

1. Send Cobbetts this letter Letter to Court re CPR18 request along with an up to date copy of your schedule of charges.

 

2. You can't amend on-line, so wait until your claim is transferred to your local court.

 

3. See here Form N244 - application notice

 

N1 Claims form in .PDF format with form filling

N1 Claims form in .PDF format with form filling

N1 - hard copy version - Particulars of claim

4. Particulars of claim - N1 - hard copy version

 

4. For advice on how to fill in N244 see:

The "Claim Too vague" defence and guide to amending a claim

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