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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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      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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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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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Preferred Mortgages/ Capstone Mortgage Services. Help wanted with N244 Application EVICTION CANCELLED


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Hi, I am in arrears of £3200 with Capstone, I am trying to make a payment arrangement but can only afford £40 towards the arrears each month. The sum of £3,200 includes approx £1,200 of Charges and the remaining was due to my rent, i am in shared ownership proprty anf Capstone paid my arres to my landlord. They are now pursuing with litigation. Can anyone offer some advice please ? Kind Regards

 

Hi Jake4080

 

Let me just recap;

 

  • Mortgage administered by Capstone. Is that Southern Pacific or Preferred?
  • Property is Shared Ownership. Part mortgage and part Rent
  • Arrears £3,200 of which £1,200 charges and £2000 Rent Arrears paid direct to your Landlord by Capstone.
  • You can afford £40 pm towards the 'arrears'. Have you offered this.
  • Capstone 'pursuing' with litigation

Questions

 

  • Have Capstone started legal proceedings or just threatening. Have you received a Summons?
  • Are there arrears, other than charges, on the Mortgage part?
  • Can you pay the Mortgage each month?
  • Can you pay the Rent each month?

Regards

Regards

 

on*the*case

 

Never Give Up! Never Surrender!

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Cause I just been served an eviction notice, and just looking for inspiration and reassurance I suppose

 

Right Understood. Yes I have been to court numerous times but only once to get an eviction set aside.

 

TTSU

 

Can I suggest that you create your own thread, call it something like

'Eviction notice received URGENT help required'.

that way the site team can alert someone like Ell-enn who can help with the N244 application:)

Regards

 

on*the*case

 

Never Give Up! Never Surrender!

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Hi On*the*case

 

Thank you for your reply,

 

Questions

 

  • Have Capstone started legal proceedings or just threatening. Have you received a Summons?
  • Are there arrears, other than charges, on the Mortgage part?
  • Can you pay the Mortgage each month?
  • Can you pay the Rent each month?

Please see below, the answers to your above questions

 

Capstone are just threatening with Legal Proceedings at the moment

I havent received a Summons

I have missed to mortgage payments

I can afford to pay the mortgage each month plus an extra £40-50 (which I have offered but they say they connot set up a payment arrangement, but im going to pay it anyway)

 

I can also afford to pay my rent each month

 

Kind Regards, Jake4080

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Jake4080

 

Two months arrears is the when Capstone pass to Legal. You will get a letter threatening legal, followed by a letter from Solicitors saying that they have been instructed etc, then followed by a summons.

 

You have two things to manage now, keeping the mortgage arrears below 2 months and keeping capstones charges in rein.

Ring capstone again and offer £40 a month towards the arrears. Ask the name of the person you speak with, and check that your offer has been entered on the call diary. Ask why a payment arrangement cannot be set up. Ask what the claimed arrears are. Ask what charges have been made to your account. Ask for the arrears to be added to the capital (they will say no, but ask anyway and confirm the request in you letter) Follow up your telephone call with a confirmation letter, get proof of posting for all letters to capstone.

 

Charges are not arrears, and they cannot claim them as arrears. The arrears are the difference between your contracted monthly payment and the actual amount you pay.

 

Capstone will try and flam you, remember they like people in arrears as they are far more profitable.

 

Managing the charges: capstone will charge you aprox £41 for every month that your account is in arrears, so if you if you have missed two payments in the last 6 months they have charged you £41 x 6 allready. When the account is passed to the solicitors you will be charged £115 a month 'litigation fee' plus the solicitors costs. You have probably already been charged a £150 fee for administration in paying your rent, plus the actual rent as well. capstone will bundle all this up, charge interest and call it all arrears. Keep an eye on this by asking for an itemised breakdown of all charges, write and complain that they are unfair.

 

The last thing, the 12th of the month is an important date for capstone, its the cut off for arrears billing. If your mortgage is due on the 1st try and pay it as close to that as possible. Make the arrears payment as a separate payment and try and make that before the 12th of the month.

 

Good Luck

Regards

 

on*the*case

 

Never Give Up! Never Surrender!

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  • 2 weeks later...

hiya on the case

 

 

can you help us please this morning at all trying to get our defense int and what your last post has said about the arrears are not to include the charges, we are facing this they do, where is the legislation that we can use to seperate the arrears from the charges, and make this part of our defence pls

 

anything you can help us with cheers will link up the

 

http://www.consumeractiongroup.co.uk/forum/repossessions/193647-help-notice-eviction-received.html

 

 

 

 

apologies to you for inputting this on your thread afterwards i dont mind deleting this post

 

cheers all good luck to you too

 

survivor_13 and angel_1

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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