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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Getting Charged On Purpose to Increase the Claim


PKea
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Apart from being unethical and lowering yourself to their level what would be the point to pay out money to claim the same amount back (apart from a few pence interest).

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Just curious to know if anybody has now deliberatley caused charges on their account knowing that they will get the money back in the long run.

 

Is this Ethical?

 

Or do the banks deserve it?

 

Thats probably the daftest thing I've ever heard - there's no point it's your money in the first place. You aren't profiting in any way.

 

Actually, no, I've heard dafter. The League Against Cruel Sports recently said that it was going to buy up shooting estates and re-sell them minus the sporting rights and use the proceeds to finance more purchases - HUH? It's one way of getting to the bankruptcy Courts in short order I suppose for anyone who seems determined to do it. It would be like a property developer deciding to buy up perfectly good houses and try to sell them on after having ripped out the floors, walls plumbing and electric out of them.

 

P.

Northern Rock; S.A.R sent 11/8/06 - Delivered. Recieved details of 6 yrs charges on 8th. Wrote back asking whether or not they hold information going back further than that.

MBNA; S.A.R sent 11/8/06 - Delivered 14/8/06

Barclays; S.A.R - (Subject Access Request) request sent 11/8/06 - Del 14/8/06

Diners Club; S.A.R sent 11/8/06 - Delivered 14/8/06. Recieved form to fill and return with fee on 17/8/06. Sent form back, delivered 4/9/06.

Intelligent Finance; Prelim letter emailed 16/08/06, claiming £318. Email recieved from "Anne-Marie" 17/8/06 saying my email has been passed to Customer Relations dept. Fob-off letter received 23/8/06, letter sent in return same day - Delivered 24/8/6 Recieved letter offer 25% settelement - refused - LBA sent. MCOL on 10th revcieved notification that they intend to defend on 13th. 06/9/2006 WON!!!!!!

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Thats probably the daftest thing I've ever heard - there's no point it's your money in the first place. You aren't profiting in any way.

 

Actually, no, I've heard dafter. The League Against Cruel Sports recently said that it was going to buy up shooting estates and re-sell them minus the sporting rights and use the proceeds to finance more purchases - HUH? It's one way of getting to the bankruptcy Courts in short order I suppose for anyone who seems determined to do it. It would be like a property developer deciding to buy up perfectly good houses and try to sell them on after having ripped out the floors, walls plumbing and electric out of them.

 

P.

 

Yeah the shootun & untin rights are worth millions and that's what pays for their upkeep The land is usualy rocky & hilly with pleny of scrub for the guns to hide. Silly moo's

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unless you actually have enough money, then run up several thousand in fees and sit back for 5 years and lap up the 8% interest

 

But you would be overdrawn so would be getting charged at least that on the O/D balance. Not to mention the fact that intentionally incurring these fees would be highly illegal.

 

P.

Northern Rock; S.A.R sent 11/8/06 - Delivered. Recieved details of 6 yrs charges on 8th. Wrote back asking whether or not they hold information going back further than that.

MBNA; S.A.R sent 11/8/06 - Delivered 14/8/06

Barclays; S.A.R - (Subject Access Request) request sent 11/8/06 - Del 14/8/06

Diners Club; S.A.R sent 11/8/06 - Delivered 14/8/06. Recieved form to fill and return with fee on 17/8/06. Sent form back, delivered 4/9/06.

Intelligent Finance; Prelim letter emailed 16/08/06, claiming £318. Email recieved from "Anne-Marie" 17/8/06 saying my email has been passed to Customer Relations dept. Fob-off letter received 23/8/06, letter sent in return same day - Delivered 24/8/6 Recieved letter offer 25% settelement - refused - LBA sent. MCOL on 10th revcieved notification that they intend to defend on 13th. 06/9/2006 WON!!!!!!

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I've had two more lots of charges since my prelim letter both of £39 each.

I haven't got them on purpose, in fact one led to the other (as usual)

The only difference now, is I only get momentarily annoyed by it, instead of suicidal!

My husband and I have just applied for a joint account at the Halifax (the bank Im claiming from)..........ya think we will get turned down? lol

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

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But you would be overdrawn so would be getting charged at least that on the O/D balance. Not to mention the fact that intentionally incurring these fees would be highly illegal.

 

P.

 

as I said if you had enough money ie if you weren't going to go overdrawn and I think it would be hard to prove intent to create fees as nobody in their right mind would be doing it

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as I said if you had enough money ie if you weren't going to go overdrawn and I think it would be hard to prove intent to create fees as nobody in their right mind would be doing it
Correct

 

A thought does occur though that you could delay by using the maximum amount of time available for you to progress your claim thereby racking up daily charges. For example giving them additional time to respond & so forth.

 

They would have to be cautioned at the outset that interest was accruing daily

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as I said if you had enough money ie if you weren't going to go overdrawn.....

 

Am i missing somethig here, if you dont go overdrawn then what charges will you get?

 

I though that bank charges were for exceeding an overdraft or using one where you dont have that facility.

 

If you have loads of moeny and dont go overdrwn yuo dont get charges do you?

 

:confused:

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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erm ...........charges like unpaid direct debits, and insufficient funds for cheques each carry a £39 charge with the Halifax.

They only allow me an overdraft if I have insufficient funds for the charges...........they charge £28 for this.

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

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I think we should stop feeding the troll, he or she will get fat and burst, and i dont want body fluids on my shoes, its the devil to get off!!

 

Oh and it ruins the patina!!

 

JMHO

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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:smile:JonCris

This must be your fantasy as you seem to have hijacked it to voice your opinions.

So fantasise away.

 

I was trying to open up some debate, but you obviously didnt get the point .

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PKea thanks for the thread, I thought there were some really good points to be made, please dont let the arrogance of some put you off.

 

On a lighter note..........If thats what passes for fantasy these days, no wonder women look so miserable lol

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

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:smile:JonCris

This must be your fantasy as you seem to have hijacked it to voice your opinions.

So fantasise away.

 

I was trying to open up some debate, but you obviously didnt get the point .

 

PKea

 

Sorry if we missed the point, i cant see how you can logically incur charges to gain a benifit on purpose.

 

Whatever an individuals morals you would open yourself up to a serious fraud charge, in the case of the banks Vs you, as opposed to you Vs bank im sure the police would investigate on their word over yours.

 

JMHO

 

GLenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Share on other sites

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