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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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HFO Claimform - old welcome loan from 2004 - **DISCONTINUED**


gloryhunter
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Well guess what i got a letter from T&R yesterday !!!!!!!!!!!!!!!!

 

cant scan at the mo printer down..........

 

.letter headed ...

 

... WITHOUT PREJUDICE SAVE COSTS

 

Dear GLORYHUNTER

 

We write with reference to the above matter.

 

Please note we have moved to a new address and our contact details are listed above.

 

We wish to inform you that our client is willing to accept £xxxxxx in full and final settlement of their claim against you

on condition the ammount is either paid in full or an agreement reached as to a reasonable payment arrangment on or befor the 29th march 2012.

 

In the spirit of settlement we believe a 50% reduction on the balance assigned from WELCOME FINANCIAL SERVICES

to our client on the 2nd August 2007 provides a generous opportunity for you to conclude this matter without the parties having to incur futher unnecessary costs.

 

Please note our client reserves the right to produce a copy of this letter to the court in requesting costs if they are successful at trail.

 

Our client is optimistic that settlement can be reached and is willing to consider any counter offers we look forward to your responce within the time frame specified above.

 

1.......

the total ammount has gone up by more than £1k2.....

... IS THIS NOT NOW S/B3.......

..IS THIS CLAIM NOW STAYED4......

.. THEY ARE SYING THE BLNCE IS NOW £9.5K5....

.....THEY WANT ME TO PAY £2.5K ....50% ?

 

So my friends i shall send copy of said letter to OFT to add to my WS,

and without doubt i will not be paying them 1 penny or even answer they letter fecking muppets.

 

WILL TRY AND FIX THE PRINTER/SCANNER

 

Regards GH

:) HFO fan club member :) HFO V GLORYHUNTER ( WON ) :)

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Morning CD, i trust you are well :) think i will ignor yet another begging letter from HFO lets see if they bring it back from the dead . What made me chuckle was they have added another £1k on ,did'nt think they could do that ? trying to sort the fecking printer out GH

:) HFO fan club member :) HFO V GLORYHUNTER ( WON ) :)

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Statute Barred a definition:

A debt becomes statute barred

under the Limitations Act 1980

if there has been no ''regular''

contact between the creditor and

debtor in six years, sending the

debtor letters chasing payment or

sending statements is not cosidered

to be regular contact.

Also a debt becomes SB IF no payment

or written acknowledgment has been made

by the debtor in 6 years, any payment or

acknowledgment at any time in the six years

restarts the clock.

Requests for information such as CCA requests

and SARs do not affect the 6 year clock.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Morning Brig so therefor it is statue barred then like CD said unless the start again they are chancing there arm (well am not going to bite) :)

:) HFO fan club member :) HFO V GLORYHUNTER ( WON ) :)

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I believe that by taking the court action the SB process is stopped. The case is only 'stayed' which means that they can restart it and SB will not count. Whether they will try this, I do not know as you have a strong defence. Others can advise on possibly getting this 'struck out' or them to 'discontinue'. I suspect that in their current state - this letter is an attempt to obtain some 'funds' so they are chancing it!

Please support CAG and they will support you.

donate

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Definately report that to the Solicitors Regulatory Authority, it is a blatant attempt to extort funds they are not legally entitled to. - 50% reduction would point to them grasping at straws.

 

Point out to the SRA this is 'stayed' by the court and the firm are abusing court processes by trying to come to an arrangement - the SAVE FOR COSTS bit gives you a masive clue as to the fact they are now attempting to 'split the claim' which again is not on.

 

Make sure you add this to the costs list you are preparing - I would estimate 4 hours research, paper cost, stamps, ink etc

 

Silly whatsits need closing down completely and ALL court cases pulled and clients given restitutionary compensation for being misled by a legal firm.

 

I wonder how may people are paying up without checking that they are legally entitled to do so, believeing the 'moral' claims these companies love to perpetuate.

 

Morally this kind of debt chasing should be abolished by law.

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No, court action does not stop SB status, the SB status runs from the date of the last payment to the creditor and if a court action is brought close to SB date it does NOT stop the clock ticking. I had this verbally confirmed by a legal friend during the week.

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No, court action does not stop SB status, the SB status runs from the date of the last payment to the creditor and if a court action is brought close to SB date it does NOT stop the clock ticking. I had this verbally confirmed by a legal friend during the week.

 

That is very interesting SG!

Please support CAG and they will support you.

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Apparently many 'solicitors for rent' firms believe that by taking court action the clock starts ticking again from the date they issue a claim. I am trying to get this person to join CAG and add their knowledge here - they are now retired from the legal circuit so there shouldn't be a 'professional interest breach' by them doing so.

 

Mostly they dealt with criminal law but in the last couple of years they did consumer and contract law.

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Hi Sillygirl forgive me what is a "spit claim" do you think i should try to get in 1st and get the claim stck out ? thought i had finshed it with the muppets. This is now 100% SB and the default has gone from my credit report ! Regards GH

:) HFO fan club member :) HFO V GLORYHUNTER ( WON ) :)

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This is certainly accurate nothing can change thè definition

of statute barred, as long as any correspondence even to

the court has the disclaimer I do not acknowledge any debt etc.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Well guess what i got a letter from T&R yesterday !!!!!!!!!!!!!!!!

 

cant scan at the mo printer down..........

 

.letter headed ...

 

... WITHOUT PREJUDICE SAVE COSTS

 

Dear GLORYHUNTER

 

We write with reference to the above matter.

 

Please note we have moved to a new address and our contact details are listed above.

 

We wish to inform you that our client is willing to accept £xxxxxx in full and final settlement of their claim against you

on condition the ammount is either paid in full or an agreement reached as to a reasonable payment arrangment on or befor the 29th march 2012.

 

In the spirit of settlement we believe a 50% reduction on the balance assigned from WELCOME FINANCIAL SERVICES

to our client on the 2nd August 2007 provides a generous opportunity for you to conclude this matter without the parties having to incur futher unnecessary costs.

 

Please note our client reserves the right to produce a copy of this letter to the court in requesting costs if they are successful at trail.

 

Our client is optimistic that settlement can be reached and is willing to consider any counter offers we look forward to your responce within the time frame specified above.

 

1.......

the total ammount has gone up by more than £1k2.....

... IS THIS NOT NOW S/B3.......

..IS THIS CLAIM NOW STAYED4......

.. THEY ARE SYING THE BLNCE IS NOW £9.5K5....

.....THEY WANT ME TO PAY £2.5K ....50% ?

 

So my friends i shall send copy of said letter to OFT to add to my WS,

and without doubt i will not be paying them 1 penny or even answer they letter fecking muppets.

 

WILL TRY AND FIX THE PRINTER/SCANNER

 

Regards GH

 

they are offering a discount

 

99% pointer they KNOW they'll never win in court

 

ignore them.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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A split claim is where the company goes for costs (usually inflated) and then goes back for the 'rest'. In this case they seem to have been stumped at the first stage so their 'save as to costs' clearly shows their intention to abuse and misuse their powers in debt collecting.

 

I would counter claim stating that they have continually obstructed and misled the court, wasted your time as well and your costs (at £19.25 per hour now) are attached as an indication of the level of work you have had to do in checking their information is accurate, checking your limited legal resources and generally researching the ins and outs of their frivolous, vexatious and litigatious claim.

 

You could also print out any information from Experian/Equifax/Callcredit and counter the amounts they are claiming stating that prior to their alleged involvement you would have been more than happy to pay the 'correct' amount of the debt to the original creditor, should they be able to prove it is legally owed.

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  • 5 weeks later...

Yet another letter from T&R arrived today............................. A DISCONTINUANCE LETTER yipeeeeeeeeeeeeeeeeee of my back at last !!!!!!!!!!!!!!!!!!!!!!!! Just want to say a massive thank you to all the caggers that helped me, CD most of all for her defence, DX,DOH,DONKEY the list is long THANK YOU SO MUCH, without CAG i would more than likely be paying our friends more than £8.5k. (THAT I NEVER OWED) Thanks again guys. One very,very happy GH. :) :) :)

Sorry forgot about BA thanks buddy

Sh*t and BRIG lol sorry :(

:) HFO fan club member :) HFO V GLORYHUNTER ( WON ) :)

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