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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 
      • 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
        • Like

Castlebest in the Citi


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on the 28th January I will be in court :D.

 

pete

 

Again!;)

 

Happy New Year Pete

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Again!;)

 

~~ Hi... Ho...... Hi Ho, Hi Ho, its off to court I go... ~~ :D

 

shame I'm not a dwarf really :rolleyes:

 

As you know Caro I quite enjoy going to court and all the stupid malarkey that it entails :) and I haven't been for some time now so I'm actually looking forward to it.

 

Happy New Year

 

pete

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  • 2 weeks later...

Well my bundle is in and on time (just) they were just about to lock the door as I walked in to the court :eek:.

 

Many many thanks to Caro for pulling out all the stops for me, Many many thanks to Martin and Enron for passing the info to Caro and allowing me to use it....

 

so 14 days and I'm back in court :) looking forward to it now :D

 

pete

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Well my bundle is in and on time (just) they were just about to lock the door as I walked in to the court :eek:.

 

Many many thanks to Caro for pulling out all the stops for me, Many many thanks to Martin and Enron for passing the info to Caro and allowing me to use it....

 

so 14 days and I'm back in court :) looking forward to it now :D

 

pete

 

It's what it's all about mate. No worries.;-)

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank 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.

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Good stuff.

I did get one bounce back from one of my emails (yahoo)but tried again on MSN and looks to have landed.

I take it that you have sent Citis copies with proof of posting/delivery ?

You will know from these forums that Citi were prolific when it came to bundles-seems they rarely got them ?????????

Eversheds I have to say have been a little more on the ball....so long as you forget about the very sensitive gov docs they were entrusted with but somehow lost on the train (ahem cough )

It is time for results and time for a swing.

No disrespect to Citis legal team-Uncle Brians days were memorarable but we all have to move on......and CAG has always led the way when it comes to Citi claims.

I am waiting for Brians memoirs-it should be a better read than anything Archer ever written.;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Erm someone is asking me what it was Eversheds lost ?

 

Secret papers on Iraq war stolen from Eversheds lawyer on train - Times Online

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I quite enjoy going to court and all the stupid malarkey that it entails :) and I haven't been for some time now so I'm actually looking forward to it.

 

And so the malarky starts :rolleyes:...

 

Both bundles due into court and to the other party by 4pm on the 14th January by order of the Court... Mine was in by the skin of my teeth but Citi... or rather Speechly Bircham LLP did not submit and still havent...

 

I now have a letter from Speechly Bircham LLP stating "Please be aware that we are no longer instructed by Citifinancial Europe Plc in respect of the above claim. The matter has been passed to the new law firm Shoosmiths"

 

So we will see what they do :D

 

I cant wait for next Thursday just to see what kind of excuse they use for not having the correct information in court for the hearing :D.

 

pete

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So what would be the consequences of failing to comply with the court order then Pete.;)

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank 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.

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If you have the draft order adopted whereby their defence is struck out for non-compliance i'd be requesting that.

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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If you have the draft order adopted whereby their defence is struck out for non-compliance i'd be requesting that.

 

You read my mind Enron.:D

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank 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.

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Lucky Pete?

 

I hope so. Rather depends on whether the Court follows the rules and regs.

 

I love the solicitors' names:p

 

Personally, I would go for the old established firm of Messrs. Sue, Grabbit & Runne.

 

Will await next instalment.

 

As ever.

 

Van

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And so the malarky starts :rolleyes:...

 

Both bundles due into court and to the other party by 4pm on the 14th January by order of the Court... Mine was in by the skin of my teeth but Citi... or rather Speechly Bircham LLP did not submit and still havent...

 

I now have a letter from Speechly Bircham LLP stating "Please be aware that we are no longer instructed by Citifinancial Europe Plc in respect of the above claim. The matter has been passed to the new law firm Shoosmiths"

 

So we will see what they do :D

 

I cant wait for next Thursday just to see what kind of excuse they use for not having the correct information in court for the hearing :D.

 

pete

 

Hi CB,

 

Have you served a copy of your bundle upon Shoesmiths?

 

S.

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Well the plot thickens :) I have had a phone call from Shoosmiths asking if I was willing to negotiate a settlement :rolleyes: but they would need an adjurnment to organise it... they also offered to send the documents I have been asking for for the last two years. So I have also had an email enclosing a blank generic application form, a glossy leaflet stating welcome to Citibank and a glossy leaflet detailing the terms and conditions of the PPI insurance... the email states that these would have been sent to me as a welcome pack

 

Unfortunatly documents 1 and 2 of the correspondence section of my bundle are actualy what was sent to me as a welcome pack (I know, I know I'm analy retentive :rolleyes:) and its nothing like any of the documents I have just been sent... added to that the terms and conditions that Shoosmiths have sent are nothing like the two sets of terms and conditions Speechly Bircham appended to the defence document.

 

Anyway this is all of no consequence its all just minor amusment along the way... My claim is against CitiFinancial Europe Plc. It is their choice who they instruct to represent them and when, and if they choose to change this 6 days before a hearing again its their choice but it cannot affect the proceedings that have been put in place by me, the claimant and Birmingham County Court.

 

CitiFinancial have already had a 21 day extension to allow them to locate their documents and prepare their defence and on that basis I have objected to an adjournment.

 

Finaly on the basis that one of the orders listed on the notice of hearing was:

The parties should note that the court may decide not to take into account a document or the evedence of a witness if no copy of that document or no copy of a statement or report by that witness has been supplied to the other parties.

I have requested the defence to be struck out because with no bundle submitted it has no reasonable expectation of succeeding.

 

pete

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You is a hard man Pete. :p

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Should you be offered help that requires payment please report it to site team.

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"I now have a letter from Speechly Bircham LLP stating "Please be aware that we are no longer instructed by Citifinancial Europe Plc in respect of the above claim. The matter has been passed to the new law firm Shoosmiths"

 

:eek::eek:

 

 

Hmn whats happened to Eversheds then ??????????

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I assume they have a number of solicitors they use so they can muddy the water, confuse and delay things as much as possible.

You just need to be aware of the litigation philosophy CitiFinancial use and when something a little odd happens ask yourself how and why it has happened and send it right back to them with bows on :).

 

 

pete

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Yes they do use locals but the lead works has predominantly been overseen.

 

I suppose theres an upswing in that Shoesmiths have been a name on many Caggers files-I think they have dealt with most of the banks at some point and are prolific in DC orientated circles

 

Not much we dont know about them then.

My experience of almost all Citi claims and cases is that their inhouse team has the last say and directs the case in the background.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Have fun Pete and keep us posted.;)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank 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.

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Lol this sounds like Citis work rather than Shoosmiths.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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