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    • 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
    • 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  
    • Also, have you told us how much you paid for this vehicle? Are there any other expenses you have incurred – insurance, inspections et cetera? How far away from the dealership do you live?
    • In fact I see that in the document you posted above – your letter to big motoring world you refer to the diagnostics report and you say that you sent a copy to big motoring world but you haven't let us see it. Any reason for this?
    • You may have posted already – but anyway, have you got anything in writing from Audi or anyone confirming the water in the sills?
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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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mortgagae advice+default


conrat
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Can anyone advise if you have a default can you still obtain a mortgage. I am looking for a 110% mortgage but I think I may have received a default in 2002 (however I have since applied for and been accepted for credit cards). I have also obtained my credit file and there seems to be no marker suggesting I have a default. Will the motgage broker search my last six years of addresses?

 

I am renting at the moment and am desperate to get on the property ladder but am fearing rejection. Do I stand a chance.

 

Any advice would be greatly received.

 

Conrat :-|

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Hi Chris, thanks for that, my only worry is that they were consolodating so they would have had equity to borrow against. As we are first time buyers with no equity and also wanting 110% mortgage it may prove to be a problem. As we stand we have only one credit card with balance of £1000-00 and no other creditors this might also be a problem.

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Have you spoken to an independant mortgage advisor? you could perhaps phone the one in the link. Be totaly honest with them tell them all your concerns and they should be able to advise you much better than me. But my gut instinct tells me that you won't have a problem as a mortgage is a different kind of borrowing than other types of credit. The biggest incentive to keep up repayments is the knowledge that you will lose your home if you don't and they know that. I will say this though it would be better if you could put some kind of deposit down because 100%+ mortgages are generally more expensive.

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Yeah dont we know it. The only way would be to borrow the deposit on a loan and I dont think that might be wise. Will have to weigh up pro' and con's. On a happier note though we went for a mortgage in principle offer from the halifax and the credit check came back top notch. We came back with an A (being the highest you can get)....Very Surprised at that.....now just got to find the £700 per month to pay for the blooming house.:-|

 

Thanks for your advice it gave us the confidence to go and see someone inthe first place.

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http://www.consumeractiongroup.co.uk/forum/financial-products-reviews-write/105735-halifax-mortgage-others-no.html

 

That's realy good news I'm glad I helped a little. just before you decide on what mortgage to choose, and from what lender have a read of this that I found. Better to have as much info as possible before deciding on such a big commitment.

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