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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?
  • Our picks

    • 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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Experian IMHO should not be acting as messengers for DCA's , it's is well outside their remit and with

permission I will add this to my project (crusade)

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

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Experian IMHO should not be acting as messengers for DCA's , it's is well outside their remit and with

permission I will add this to my project (crusade)

 

Feel Free... As time I goes by I hope I will be sharing what I have learned form you guys with others on this forum!

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Wow I got a letter within a week....

 

It says...

 

I am writing in regards to your letters dated 20th June 2011 (I only sent 1 to them plus my oft letter - yet to have a response to).

 

You have indicated that you have never had this Barclaycard. We need to clarify if you are claiming that this account was taken out fraudulently in your name.

 

Please contact our offices to discuss the account, there is some information we need to gather in order to look into your dispute.

 

Please contact our offices on 08456061573 so that we can discuss the account and to investigate your dispute.

 

We look forward to hearing from you.

 

Yours sincerely

 

Business Support Group HFO Services

 

To me this is their attempt to get me on the phone again and try and abuse me which I am not interested in doing... I am half tempted to sit on this letter for a week and then maybe respond what do you guys suggest?

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Something along the lines of:

 

Thank you for letter dated 24th June

 

For me to meet to your request can you put the information you request into writing.

 

I would like to remind you I only want any correspondence with yourself to be communicated to me in writing. I will not call your offices due to your operators harassing and intimidating behaviour on the phone (I may put the second sentence in)

 

Yours sincerely

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Send their reply to the OFT as a further part of your complaint, put the original complaint reference on their letter - they are not supposed to be asking for additional info from you, you need it from them!

 

Complete idiots!

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Ok... I'm in 2 minds what to do... I'm half tempted to wait and see if they chase me after this letter.. Respond to them but take a week to do this in or as I have statements of this account try and hang out until 22nd July then who Evers this debt belongs to it will be SB as that was when the last payment was and then hit them with load of legal stuff about it....

 

And also forward this to the oft ( they haven't even acknowledged my complaint yet but that's understandable)

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It seems strange that you would be considering the use of delay tactics here.

If as you say the debt is not yours why then would you consider stalling to reach statute barred status?

Imho i would not delay as i would want this corrected immediately.

As for them asking you to phone them to give further information, is the onus not on them to prove you do owe it rather than you supplying them with why you dont?

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Ok letter to be done tomorrow and go...

 

I was looking for an easier way and have more evidence that their tactics they are using is illegal and that I could use against them i.e. chasing a SB debt that doesnt belong to me that would make great reading to the papers etc...

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Hopefully this will be my final draft:

 

 

Something along the lines of:

 

Thank you for letter dated 24th June

 

For me to meet to your request I need the following from yourself in writing

 

• the additional information you require

• the reasons why you need this information

• my legal obligation to give you this information

 

Once I have this information I will refer this to my legal representatives and the oft to clarify this meets their guidelines in debt collection.

 

I would like to remind yourselves I will only communicate in writing as should I speak to your operators it becomes an intimidating/harassing experience.

Yours sincerely

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That sounds ok to me, but I may be corrected by others.

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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Yeah it was a tough one to put together for me and I was talking to a member of my team who has abit of knowledge in this and is currently studying law part-time and some of the consumer law.

 

We reckon that sort of letter will make them realise I mean business and may put a stop to them but because we know what they are like they may not take any notice!

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woohoo another letter sent... shall wait until their next reply

 

Its been 2 weeks since i have sent my complaint to oft not even had an acknowledgment yet when should i write to them again to confirm they have it and looking into it as it was sent recorded like my last HFO letter?

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With OFT letter check on track & trace, a the OFT have a backlog of some weeks.

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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  • 2 weeks later...

As promised from another thread I have another letter to share and the contents below:

 

Thank You for your letter.

 

As you are disputing that this debt is not your, we require proof to investigate this matter further with Barclaycard.

 

Please can you provide us with a photocopy of either your driving licence or passport, so that we can confirm the date of birth, and signature with the original Barclaycard application.

We also need proof or your addresses from March 2003 to July 2011.

 

If you do not wish to provide us with the requested proof, we will be unable to assist you in your dispute, and this debt will remain on your credit report. This is not a legal obligation, but this will helps us help you, with your raised dispute.

 

If you have any further queries, please do not hesitate from getting in contact with us.

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