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    • Please can you avoid posting solid blocks of text. It is difficult for people to read especially when they are using a small screen such as a telephone. Well spaced and punctuated please. I hear what you say about the evidence – but do you have copies of it? And if so can we see it please. That's the point. We want to know what you have. As long as you have the evidence in your possession then you have some kind of control
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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
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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Claim form Received today


darcus
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Hello peeps

 

Not a word from Halifax or their debt collectors... They had said that they would deal with the 'complaint' no later than 29/04/2009 which has now passed, and nothing at the courts, so does this mean I can apply for a stay on the account?

 

thanks

d

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I suggest you contact the court and ask if HBOS responded to your defence. If not, ask if the claim has been stayed. Don't bother with the Haifax complaints team.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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Hi

I managed to get through to the court today and they have not received the defence and have confirmed that the case has been stayed.

 

I'm going to read up next on what to do next with stayed cases. I think it's good, but not sure...

 

Thanks for everyone's help so far, I'm sure the fight has only just begun...

 

d

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  • 2 months later...

hiya any updates on this ??

 

as ive had my first northampton claim today and thus im following your thread and its helped heaps thanks to all

 

laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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  • 5 months later...

Any updates to this thread?

My Posts exist exclusively to assist me in preparing litigation against another party.

As such, it is almost certainly protected by litigation privilege.

 

The legal requirements for claiming litigation privilege are well established and are not in dispute.

Communication between a solicitor, or the client, or a third party will be protected by litigation privilege where the communications are for the dominent purpose of obtaining legal advice in connection with, or conducting litigation in prospect: Re: "Highgate Traders Limited (1984)"BCLC 151.

 

Copyright Information: All information contained in this website , Associated websites, and Forum posts are Copyright "Reclaim The Right Ltd". If you wish to use the information on this site for publication elsewhere then please email the administrator for permission.

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  • 1 month later...

HI

 

sorry for no updates, I had a stint in hospital for some time and am back well now.

 

I haven't heard anything from them at all. They take the £1 a month and I am happy to proceed with that for now. I want to pay more, but will need a better job to do that...

 

thanks

d

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  • 5 weeks later...
  • 9 months later...

Hang on. I've got to ring my storage copany to get the defence I drafted out of the long term vault. Its that old.

 

What excuse did HBOS give to the court?

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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Hi Darcus

 

I've now re-read the draft defence. I don't see any problem knocking out the bank's SJ application. They are just trying it on. When you have it, can you post up a copy of their application. You will have to submit a witness statement challenging their application which is why you need to post up what they are telling the court.

 

Doc

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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Hi Docman,

 

The solicitors sent me the following:

 

1. A Notice of Transfer of Proceedings

2. A General Directions Order:

"The judge orders that

 

The application to lift the stay and transfer is granted

 

This order has been made without a hearing under the Courts case management powers contained in the Civil Procedures rules Part 3

You may within 7 days of the service of this order, apply to set aside or vary the order under Part 23 Rule 10

You must fule with the Court, and serve on the other parties an application that sets out you reasons for the objection. A fee is payable upon the filing of the application.

 

3. A Notice that a Defence Has Been Filed

 

Stating an allocation questionnaire is enclosed which contains notes for guidance on how to complete it.

 

4. An Application Notice

...they've spelt my first name wrongly.

...under section 3:

"1. lifts the stay on the proceedings

2. Extends the life of the Claim

3. transfers the Claim to the Defendant's home court

 

as the Claimant wishes to proceed with their Claim"

...under section 10, the evidence they give to support their application:

"The Claimant allowed the matter to stay whilst the Claimant responded to the Defendant's request for a copy of the agreement submitted under the provisions of section 78 of the Consumer Credit Act 1974. The Claimant has now complied with this request however the Defendant has made no further contact. The Claimant now wishes to proceed with the Claim therefore we respectfully request that the stay is lifted and the matter transferred to the Defendant's local court. We apologise for the delay in making this application"

 

Then this morning I received a copy of the Claimant's Allocation Questionnaire which has been filed at Court.

1. Under section D - Case Management Information:

Amount of claim in dispute : £##,###.##

Witness name: Representative of the Claimant

Witness to which facts: All the facts in dispute

under TRACK - they have selected FAST TRACK

2. Under section E:

They have stated it will take 3 hours for the trial or final hearing.

3. Under section G: Costs

They have put in some figures

4. Under section I: Further Information

They have stated YES under "Do you intend to make any applications in the immediate future?"

and stated "Application for Summary Judgment under Part 24 CPR"

In the space:"If settlement is not reached during the stay period the Claimant intends to apply for Summary Judgment"

 

That's all there is!

Shall I call them and ask for a settlement amount? I can't afford much as my income is still very low and for the first time in my life I am in receipt of working tax credit.

 

Thank you in advance for all your help.

D

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Have they actually sent you a copy of the signed credit agreement that contains all the terms prescribed by the Act?

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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No, as far as I am aware, I didn't receive anything beyond that agreement and a bunch of statements, but this was before the stay. They pretty much left me alone after the stay was granted.

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