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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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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
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nbonser -v- Baclaycard


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Hi Everyone,

 

Ok I need some serious help:wink:, I got an email a while back from a company saying they could get rid of my credit card if I recieved it before April 2007 stating that the law had changed and that a solicitor from there company will do it for me, but then i realised that they wanted me to pay £500 and other costings, I then thought well if they say they can do it 100% so can I and that brought me to several different forums and when reading and seeing that there are many people doing the same thing but doing it themselves, I thought to give it a go at doing it myself........:rolleyes:

 

I found a template requesting my CCA from Barclaycard on the 15th of December 2008 with £1 postal order I was to give it till the 5th of January for a reply and never heard anything. So I came back to the forums and it said to send them a second and final letter giving them 30days to send me my CCA or an explanation of why they couldnt. They sent me the terms and conditions, with my statement stating on the letter they dont have my CCA :grin:. So i left it and on the 4th of February my debt should of been unenforcable. In the time from the 15th December till the 4th of February I must of received 10 phone calls from Barclaycard asking for there money.:evil:

 

Today the 7th of February I recieved a phone call from a debt collecting company called Merces and the man was quite rude saying I owe the debt, I spend the Debt and I will no matter what pay the debt, I stated that I did not receive my CCA and he said to write to them again which I refused because they had ample time. I feel as thought Barclaycard are trying to scare me into paying this debt. He even threatened to send debt collectors round.He also stated im incurring interest every month.I thought this was against the law.:confused:

 

Ok so I am a bit worried now and dont know what to do, Can anyone please advise me, what if I do get Debt collectors at my door and do I stick to my guns? Reality is I have spent it but If there is a law stating i dont have to pay it If there is no CCA then why should I, also if I add up what I have paid I have paid them more then double of what I owed.

 

Ok So can someone with experience in this matter help me out PLEASSSSEE!!

 

Thanx a mil

natasha:-)

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Hi Everyone,

 

Ok I need some serious help;), I got an email a while back from a company saying they could get rid of my credit card if I recieved it before April 2007 stating that the law had changed and that a solicitor from there company will do it for me, but then i realised that they wanted me to pay £500 and other costings, I then thought well if they say they can do it 100% so can I and that brought me to several different forums and when reading and seeing that there are many people doing the same thing but doing it themselves, I thought to give it a go at doing it myself........:rolleyes:

 

I found a template requesting my CCA from Barclaycard on the 15th of December 2008 with £1 postal order I was to give it till the 5th of January for a reply and never heard anything. So I came back to the forums and it said to send them a second and final letter giving them 30days to send me my CCA or an explanation of why they couldnt. They sent me the terms and conditions, with my statement stating on the letter they dont have my CCA :D. So i left it and on the 4th of February my debt should of been unenforcable. In the time from the 15th December till the 4th of February I must of received 10 phone calls from Barclaycard asking for there money.:mad:

 

No agreement = no enforceable debt........

 

Today the 7th of February I recieved a phone call from a debt collecting company called Merces and the man was quite rude saying I owe the debt, I spend the Debt and I will no matter what pay the debt, I stated that I did not receive my CCA and he said to write to them again which I refused because they had ample time. I feel as thought Barclaycard are trying to scare me into paying this debt. He even threatened to send debt collectors round.He also stated im incurring interest every month.I thought this was against the law.:confused:

 

You have made a lawfull request and BC have stated they cannot produce an agreement by law you are not requie=red to make any payment on this debt. If you want you can just ignore them (open all letters just to make sure they do not produce an agreement) for six years it then becomes statute barred and then you can tell all of them to po.

 

I told them they have no agreement so any debt sold to any DCA will meet with the same responce "this debt is not worth the paper it is written on goodbye".

It worked as well

Ok so I am a bit worried now and dont know what to do, Can anyone please advise me, what if I do get Debt collectors at my door and do I stick to my guns? Reality is I have spent it but If there is a law stating i dont have to pay it If there is no CCA then why should I, also if I add up what I have paid I have paid them more then double of what I owed.

 

Ok So can someone with experience in this matter help me out PLEASSSSEE!!

 

Thanx a mil

natasha:)

 

All the best dpick

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Im in a similar situation to the original post. I have sent a cca request to BC followed by an account in dispute letter but have no response. I continually get phone calls from them so sent the "telephone harassment" letter. I haven't had any calls since.

I'll probably get contacted by Mercers soon. Bring em' on!

 

BTK

Cabot At Court Stage

Barclaycard Settled, Amount Written off :D 12/02/09

Cabot At Court Stage(2nd account)

Skycard Now with Capquest, Threatinging SD

Next No CCA received, in dispute sent. Nothing heard for over a year

HSBC No CCA received, in dispute sent

EGG S.A.R sent 04/02/09

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Hi Nbonser,

 

I've moved your post into your own thread.

 

I'll be back to comment later.

 

:)

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Engaging third parties to try to collect payment of an account in dispute is a breach of OFT debt collection guidelines.

I think additionally you will find its a breach of the Banking codes,and also the Unfair Consumer 2008 regs.

I think you mean Mercers ?

Dont speak to anyone about this by telephone.

Of course you can ignore the threats but you should not have to endure them.

I would be inclined to put something in writing to both Barclaycard AND Mercers.

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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  • 1 month later...

Hi everyone, I have another problem now that im not sure how to sort out, I have had to change my number so that Mercers no longer contact by phone because it was getting to, sometimes 5 calls a day and I just could not take it anymore :( I have been now recieving letters from Mercers ever since saying I need to contact them because they no longer have my number etc. So I have been ignoring there letters and still waiting for my true CCA agreement.

Yesterday I recieved a letter from Barclaycard saying......

I write further to your letter and the enclosed £1.00 fee requesting a copy of your executed agreement (asked for 3 months ago!) for the above account. Please also accept my apologies for the delay in response and for the inconvienience this may have caused.

 

Please find the following documents enclosed:

. A copy of you original Barclaycard Credit Agreement at the time you opened your account (this so called agreement is just a photocopy of a barclaycard agreement with no debt recorded on it, no dates and no signitures. not even my name! nothing but what an agreement would say)

Its like they have send thousands of these photo copies out and beware there is a section saying to cancel the agreement (no one must sign and send it back because i assume its a [problem] so they have your signiture.)

. The current credit limit on your account is £****.**

. The current balance on your account today is £****.**

. The next minimum payment of £***.** is due 06/04/2009

. Please note, a copy of your current Barclaycard Terms and Conditions will be sent under seperate cover.

 

This is the best part of the letter:

The information we must provide to you under the term of section 78 is prescribed by the Consumer Credit Act 1974 and by the Consumer Credit (cancellation Notices and Copies of Documents) regulations 1983.

 

You will be recieving your next statement shortly which will provide you with the full details of your account.

 

This complies our obligation to you under section 78 of the Consumer Credit Act 1974

 

your sincerely

 

Joanne Robinson

Court Orders and disclosures

Legal and regulatory Compliance

 

 

Now this took Barclaycard 3 months to put together and send to me and still fail to supply me with my true signed credit agreement (which as we all no dont have now.)

I then today recieved my statement and every month thay have been putting on loads of interest and still sending me out bills, and Mercers are still contacting and from the letters I have sent to them it clearly states by now they should of closed this matter, and written my debt off because they could not supply me with my CCA!:mad:

 

My question is: I am trying to put a letter together to Barclaycard basically saying that they have to stop sending me bills and putting interest on the debt and to basically supply me with my true CCA or po!!!

 

Can anyone help me pls

 

Thanx again

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Hi Nbonser,

 

......the letters I have sent to them it clearly states by now they should of closed this matter, and written my debt off because they could not supply me with my CCA!
If only it were that simple. ;)

 

BC are saying they've fulfilled their obligations under CCA 1974 and there is some merit in this assertion. So while you may say the debt is not enforceable, or the account is in dispute, BC will say the opposite.

 

Read Link No2 in my signature below - just the first few posts to start with or you'll get overloaded. Then send off the first CPR letter to BC.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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