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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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    • 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.

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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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Advent Computer Training (Barclays Partner Finance)Info and discussion thread


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1. What is the latest position?

On 31 March 2010 the Administrators sold certain assets of Advent to Computeach International Limited

(“Computeach”).

Going forward, Computeach will be providing training services to Advent’s students. Computeach have

put arrangements in place to contact students and will provide full details about Computeach and the

training they will provide as soon as possible.

 

PKF -

 

Umm, Advent & CT ? CT and ADVENT?

Me thinks this stinks!

 

we was sold to computeach with the "assets" thats how they got our email address's, earlier I thought BPF had given them out which would have been a breach of data protection act in my view.

 

so now that the advent directors are working for computeach.. they are going back for a second slice of the cake.. and with all the trouble computeach is getting I wonder if they could do the same as advent.. take the money and run??

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How on earth do these directors sleep at night?

Shameful!

:mad:

 

And to top it all Martin found out that the finance company computeach have been using.. do not seem to have renewed their trading licence.. and yes it gets really ripe when you put it all together, and BPF chose them.. they should have learned the lesson once bitten twice shy!!

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Guys - hold fire on paying money to any solicitor just yet.

 

The CAG team are putting together some info and standard letters which covers everyones issues (see recent posts over the last few pages).

 

Patience is a virtue.

 

Hold fire and see what they advise first.

 

There's no rush. After all, BPF have kept us all holding onto their next word for 2 months!

 

Meanwhile, make sure you have lodged your complaint with the Financial Ombudsmen and your local trading standards office.

 

 

Thanks.

 

 

I should make it clear that CAG has no involvement with the decisions to seek representation with the legal firm mentioned on the Facebook Advent forum.

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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Guys - hold fire on paying money to any solicitor just yet.

 

The CAG team are putting together some info and standard letters which covers everyones issues (see recent posts over the last few pages).

 

Patience is a virtue.

 

Hold fire and see what they advise first.

 

There's no rush. After all, BPF have kept us all holding onto their next word for 2 months!

 

Meanwhile, make sure you have lodged your complaint with the Financial Ombudsmen and your local trading standards office.

 

Hi there's really no need to pay to get out this mess

Fuzzbutt's right don't rush into anything.You've paid enough.

People are working on a solution that will have a result.

Have faith in CAG they know what they're doing

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Hi can anyone help.

 

My hubby should be doing Advents MCSE 2006 with CCNA course,

I cant find CCNA on the CT website just MCSE.

What is CCNA and should CT offer this along side MCSE?

 

Sorry if I sound thick but IT isn't my chosen subject!!!!

 

Thanks

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And it's finally happened - I've recieved an arreas notice from Barclays and they've got the cheek to refer to the Consumer Credit Act 1974. They put the account on hold, they haven't told me it's being taken off hold, or given any instructions of what I need to do. To avoid poor credit or being in breech of anything and risking having the muscle turn up at my door I was considering calling them on Tuesday to resolve it and let them continue to take payments until this mess is sorted. But I've now decided not to because they have no right to ask for money since this contract is breech anyway by them. If they're not going to listen to us, we shouldn't listen to them

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Hi lankus,

That sounds like the same one I got, cheeky Beggars please drop a post in the

 

Advent/Barclays Partner Finance/Hitachi+payment Demands on the thread list.

 

So Martin can get an idea of this particular issue. Please. and don't worry about it. They shouldn't be doing that. Although when we got it I was in a tizz but I'm not letting them bully me.

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And it's finally happened - I've recieved an arreas notice from Barclays and they've got the cheek to refer to the Consumer Credit Act 1974. They put the account on hold, they haven't told me it's being taken off hold, or given any instructions of what I need to do.

 

And I expect theywill report to the Credit Reference Agencies that your account is 2 months behind.

 

It's just another way of ratcheting up the pressure.

 

Be clear - if they tried to enforce this debt in the present circumstances, assuming you defended, they would lose.

 

David

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Can those of you who want to take legal action with CAG assistance, please identify yourselves :D

 

Those of you who have made complaints to Trading Standards/OFT/Consumer Direct, can you let us know what responses you received.

 

If any of you have received communication from DCAs, can you let us know.

 

Thanks :)

Yes please! I would like to take legal action with CAG assistance. I've been following this thread from the start but don't have all of my initial documentation due to a house fire last May (I only started the course in March 09 and had just returned to it in Jan this year!) Still working my way through this thread so haven't contacted anyone yet. Count me in!

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Yes please! I would like to take legal action with CAG assistance. I've been following this thread from the start but don't have all of my initial documentation due to a house fire last May (I only started the course in March 09 and had just returned to it in Jan this year!) Still working my way through this thread so haven't contacted anyone yet. Count me in!

 

Hi GillyBee,

If you can click the wee red triangle and say to be included that was what Martin advised and that's you in.

If you haven't paid anything yet could you please drop a post in the other thread as well Advent/Barclays Partner finance/Hitachi+Payment demands it's just we have a different case from someone that's paid in full.and to see how many needs help there. Maybe I should have asked first :) You'll be able to get a copy of your agreement from BPF I had to.

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Thanks Bluedo. OK I know I'm being a bit dense here, but what wee red traingle - where?? Also I have a credit agreement with BPF that I have paid about 10 months of. They allowed me to suspend the course after our devastating house fire but not the finance. It was totally interest free (and I must admit that's what finally got me to sign up) but is now frozen and DD cancelled. Which thread do I need for that and what do I do? Must be getting tired so thanks for the pointers

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Thanks Bluedo. OK I know I'm being a bit dense here, but what wee red traingle - where?? Also I have a credit agreement with BPF that I have paid about 10 months of. They allowed me to suspend the course after our devastating house fire but not the finance. It was totally interest free (and I must admit that's what finally got me to sign up) but is now frozen and DD cancelled. Which thread do I need for that and what do I do? Must be getting tired so thanks for the pointers

 

I thought after posting that I should have said where the wee triangle is it's ok everyone's missng it it's under your name signature at bottom left. i missed it too.

Well that was kind of them so understanding (not the finance) no they'd not suspend that anyhow your ok here I think I had the 1year interest free then was supposed to pay lump sum. so I won't be doing that now.but I'm open to default letters for failing to pay monthly now but they more than doubled the debt with interest. Rip offs. as long as your account is on hold and DD cancelled you'll be ok. Time to fight back

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Thanks Bluedo. OK I know I'm being a bit dense here, but what wee red traingle - where?? Also I have a credit agreement with BPF that I have paid about 10 months of. They allowed me to suspend the course after our devastating house fire but not the finance. It was totally interest free (and I must admit that's what finally got me to sign up) but is now frozen and DD cancelled. Which thread do I need for that and what do I do? Must be getting tired so thanks for the pointers

 

report.gif Look to the left of the screen under your user name .. at the bottom. If you click on it, a response box will pop up. Just type in your request for assistance and hit submit. Site team will then be alerted to your post/query.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Is anyone getting in touch with BPF regarding CT not being like for like i.e paying for continuation of training after set date ?

 

I know some people have done their own letters to BPF but Martin one of the CAG team is kindly putting some tmplate letters together for us to use. So hang in there

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oh, I clicked the red triangle under Martins name and left a message, do I need to do it again using the one under my name?

 

 

:D:D No problem, I will go and check the reported post to ensure it ends up with the others.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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The person concerned in the case I have been looking at e-mailed Computeach to see what was on offer and got this back:

 

 

] Customer Care [mailto:customercare@computeach.co.uk] [/font]

Sent: 31 March 2010 12:53

]To: xxxxxxxxxxxxxxxxxxxx

Subject: Your Advent course

 

 

Our ref: xxxxxxxxxxxx

 

Good afternoon xxxxxx

 

Our appointment as the alternative provider for Advent students has now been announced. At this time we haven’t yet received the student data from Advent, so unfortunately we are not able to answer questions on your specific contract as yet. There is a helpline in place where you will be able to get more information you can call them on 0845 2180252.

 

We will be able to discuss your specific contract and training details with you as soon as we have access to your information. We expect that this should take approx 2 to 3 weeks.

 

Many Thanks

 

Kelly Round Customer care

 

They are clearly not as far advanced with this as BPF would have you believe!!!

 

David

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