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    • 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  
    • 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?
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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.

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      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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HSBC rip off charges Help Please !!


MIKEY DABODEE
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Do HSBC usually acknowledge SAR ?? think dropped booby local branch said could send it through internal post

havent heard a peep about freezing account either

be two weeks tomoz should I send a reminder by recorded delivery

 

And what is correct address to send ??

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what I am trying to do is get account frozen to stop even more OD charges been shoved on, and pay bit off each month to clear it

original OD was £500 most of that charges I owe about £250 of that, now over £800 with all charges/interest etc

and cant afford to clear it all

 

think was told Customer Credit team to contact

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Ah right yes. Just address it to head office as that is where most of these threatening letters come from. You could put a note in with it asking for it to be forwarded to the right department.

HSBC BANK PLC

8 CANADA SQUARE

LONDON

E14 5HQ

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what I am trying to do is get account frozen to stop even more OD charges been shoved on, and pay bit off each month to clear it

original OD was £500 most of that charges I owe about £250 of that, now over £800 with all charges/interest etc

and cant afford to clear it all

 

think was told Customer Credit team to contact

 

Hiya Mike, I doubt very much if HSBC will agree to anything along these lines, they are more likely to offer you a managed loan WHICH YOU SHOULD REFUSE because it will be horrendously expensive and mean you will be in debt for a long time.

 

I think most people end up opening a new account with another bank to handle their day to day finances and once your claim is underway your account will be in dispute and HSBC can do very little legally to recover anything until your dispute is sorted and you get your charges back. while this is happening you can pay what you can afford into the account to reduce the debt you actually owe them.

 

pete

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H.S.B.C have sent me my statements and have refunded the £10 SAR

in response to my first request but because I sent them through the internal post and thought they had ignored my request

I have today SARed them again

 

this time asking for every thing in relation to my account

do I need anything else or should I put in my new claim as soon as possible

 

and can they come after the balance on my overdaraft?? because at the moment I cant afford to pay it off

 

I have a new account with another bank

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and can they come after the balance on my overdaraft?? because at the moment I cant afford to pay it off

 

Hi Mike - as pete said earlier, now that your account is in dispute (they should know it will be from your S.A.R - (Subject Access Request)) they cannot enforce repayment until the amount owing is confirmed.

 

Just follow the lead pete gave you in #33.

- stick to the timetable and if they come demanding repayment just send them an 'Account in 'Dispute' letter.....(available in the templates I think ,but if not just come back and ask)

 

Well done on getting a 'parachute account' - it'll help you manage day to day finances and you can see then how much you can comfortably afford to pay towards reducing your overdraft.

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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thanks Tilly

worked that time

 

do i complete the sheet print it off and send it when i submit my figures to the bank

 

I am a bit confused about the interest

do I ask for it from the outset or a later stage

 

whats usual? want to get it right !

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Hi

 

 

The interest is only added at the court stage,Make your copies with the interest

then save them or print them,and then just delete the interest colum,and send a

copy with your prelim.

 

 

Tilly

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from freaky:You will have to re-calculate the interest up to the day you file at court as the figure will change daily up until that time.

 

What freaky means, Mike, is that you just update the interest on the day you file at court - the calculation is already done for you - clever eh?:)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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