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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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Link below to the thread on making a complaint to Experian. I am also suggesting that people write an official letter of complaint to HFO headed FORMAL COMPLAINT, address to the General Manager and ask for a copy of their complaint procedure by return of post. Also put 'copy to OFT, Consumer Direct and ICO' at the top .If it is the same 72 hour letter that others have received it is very threatening and meant to cause distress. Assume it says things like Bailliffs will visit your property and stuff like that, much of this being untrue. You need to point out in your letter that this is an invasion of your personal data and you consider it to be harassment designed to cause distress. I have added a link to OFT Guidelines to help you formulate some complaints.

Was there anything else other than the credit report?

Receipt of e-consumerview report complaints

Link to a CAG thread on experian and complaining, there is a sample letter in there

 

http://www.consumeractiongroup.co.uk...ment&highlight=

OFT Guidance link

This helps when drafting a letter to OFT

http://www.consumeractiongroup.co.uk/forum/content.php?416-The-OFT-Debt-collection-guidance

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They included a load of e-consumerview gumf.. which includes details of of someone who lives around the corner

I think that is serious enough.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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No not yet as last threat was back in april withthe 14 day letter. Yeah i have been linked to an address on the same road just not my block of flats and it says the name of who lives there!

CCA sent Crapquest ran away...

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CCA request link below - I am using my store of links here! Send this with your letter of complaint to HFO. PRINT your name on both or put line through your sig

 

CCA Request

CCA letter to send with a £1 postal order by recorded delivery, do not sign. They have 12 plus 2 working days to reply. If nothing valid is received you can send a letter to put the account in dispute and this should stop them contacting you.

http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter

Account in Dispute letter

http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

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FORMAL COMPLAINT

Dear Sirs

 

I am writing with regards to the letter I received from you (Open) this morning

Other than being rather threatening and obviously designed to cause distress, it arrived insecure (the envelope was open) but it contained personal information of a credit report of me. It also includes details of somebody that I have no connection with at all.

 

I have also reported you for breaches of the Data Protection Act to Information Commissioners Office, Trading Standards and The Office of Fair Trading, they are all receiving a copy of this letter.

I now wish to receive a copy of your complaints procedure via post.

 

Yours faithfully,

 

CCA sent Crapquest ran away...

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Try this - this is something I have been working on - amend to suit

 

 

HFO Services

PO Box 342

West Byfleet

KT14 6YX

 

Your Ref (from their letter)

 

Copy to OFT, ICO, Consumer Direct

 

Formal Complaint

 

Dear Sir/Madam

 

I acknowledge no debt to your company.

 

I am in receipt of a letter dated xxxx from your company regarding monies that you claim are owed to you and threatening legal action (
amend to suit)
. This is signed by xxxxxxxx

 

I note that the following documents were attached to this letter:

 

1)
A printed Experian credit report obtained via econsumerview web site containing personal information relating to myself.
(and anyone else)

 

There is no explanation as to why this/these attachments were included and I can only assume that this was done so as to instigate a threat or harassment towards myself.

 

The Experian credit report was obtained by you without my prior knowledge or permission and I require an explanation of your entitlement to do this

 

The letter and data contained were not sent to me by a secure registered or recorded service – 1st Class mail being used and the envelope was not sealed.

 

Please view this letter as a formal complaint against your conduct and
I require a copy of your official Complaints Procedure by return of post.

 

I have instigated complains regarding your access to and use of my personal data with Experian, Information Commissioner’s Office and OFT

 

I look forward to receiving your comments on this matter in writing and in the time period specified in your Complaints Procedure. Any further harassment or data infringement by your company (by mail or telephone) will also be Further reported to the OFT, Trading Standards and the ICO.

 

Included with this letter are is a request for information under the Consumer Credit Act

 

This letter is being sent by Recorded Delivery,

 

Yours Sincerely

Edited by coledog

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  • 1 month later...

Did you also send them a CCA request? If they have not replied to that also you should send the Account in Dispute, the link is in the posts above. Did you make a complaint to OFT, ICO etc as it may be worth updating them to say that HFO have not replied to your complaint.

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  • 2 weeks later...

Loan Agreement, Skip Chase Forms from Welcome a crap letter will post up later! Copies of the Id i used when i got the loan. Oh and the original default notice, which date is different from that of on my credit file! Will scan and post later on

CCA sent Crapquest ran away...

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