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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.
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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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Car impounded through no fault of my own!!!


Leroy2583
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Hi,

 

I'm new to the forum and was after some advice.

 

I recentley insured my car through bond lovis and paid my deposit. I then moved house just before xmas and notified my insurance company to let them know.

 

Tuesday of this week im pulled over by an officer who say's im not insured, im obviously shocked, explain that i am and give my insurance details. Officer rings bond lovis who promptly tell him my policy was cancelled on 13th of jan due to a 1 missing signature of proposal form.

 

Therefore car seized me with long walk home!! Upon speaking to bond lovis i explain i changed my address with them and they say no record of this exsists. They sent recorded delivery letter to old address which was returned to them as undelivered. They say there is nothing they can do for me. They even took payment out of my bank on the 9th of jan and cancelled it on the 13th!!!!!

 

Im currently unemployed and there is no way i can afford impound fee's let alone money for a new deposit for insurance. I feel totally let down by this as if when it goes to court i am found guilty i'll also lose my license as still within 2 yr period

 

I know its a long post but im in bits over the thought of losing my car and license for something i never intentionally did!! Any advice would be gratefully appreciated

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You requested it be moved to the insurance forums-but I think general consumer issues may give you some answers,so will move there.

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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The Insurance company appear to have done what was required of them.They sent out a notice to you by recorded delivery and refunded your payment.

It would help your case if you could prove that you had notified them about change of address.

Did they not have any contact number to call you ?

 

It could be argued that you would have seen the refund to your account and should have questioned that.

 

I dont think there is much you can do aside from lessening any penalties by being able to prove mittigating circumstances.

 

Certainly the Insurance company dont look to be accountable here.

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 agree with Martin's comments.

 

However, if you can show the insurer evidence of your telling them of your change of address and pursuade them that they should have called you when the Rec'd Del'y letter was returned, they could consider re-instating cover.

 

When did the policy start.

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Thanks for your comments, just to clarify the insurance company did not refund any money until after i had been pulled over, and is still not in bank as yet, also the letter they sent via recorded delivery was returned to them by the post office undelivered.

 

They have 'no record' of my phone call to change the address but have the correct telephone number for me and never contacted me via this route.

 

Reading through the proposal forms last nite, the signature was missing not off the proposal form but a page at the back for additional info regarding claims and convictions. They will have a signed copy of the other proposal form. would this be something i could take up with them?

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Hi Leroy,

 

No need to bump so often. We get email to say the thread has been posted on.

 

If this is a local brokerage rather than a larger direct insurer, it has to be worth you while have a calm talk to the broker.

 

Explain what has happened and that you feel this is quite unnecessary considering your minor oversight and the costly consequences.

 

This could have been avoided by one phone call. Ask to speak to a senior staff member if you get no joy initially, and see if they'll agree to restore cover.

 

Whether this will satisfy the authorities, who it seems were acting properly at the time, is another matter.

 

Good luck with this.

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If you have a record of when you called them to inform them of the change of address either a mobile phone bill (or ask the mobile phone company for a record of when you called this number ) or speak to your landline provider. With this you may be able to ask the insurance company for any recording from that call and who you spoke to.

 

I am sure that the insurer will oblige if you can prove it to them you called as it is unlikely to cost them anything to reinstate the insurance if they made a mistake.

 

hope that helps

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Good suggestion Julius.

 

:)

We could do with some help from you

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                                            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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