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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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      • 81 replies
    • 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.
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      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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Hollydoll v. Capital One (Credit Card)


Hollydoll
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Hello again!

 

received my statements today

 

added it up to £632

 

prelim in the post tomorrow!

 

will of course keep you up to date with my progress.

 

xx

Barclays - Prelim Sent for £980

23/09/06 - LBA sent for £1000

05/10/06 - Received offer of £500

10/10/06 - MCOL Served for £1244.01

18/10/06 - Acknowledged by Barclays

20/11/06 - AQ Returned to Stockport Court

REFUNDED IN FULL

Capital One - Received Statements

Prelim sent 20/10/06 - £632

Offer received 03/11/06 - £248

Partial settlement and LBA sent 07/11/06

2nd letter from Cap 1 18/11/06

MCOL filed 21/11/06 £864

WON! REFUNDED IN FULL

Halifax - Received Statements

Prelim sent 09/10/06 - £836

28/10/06 - Offer received £568

Settled.

Egg - S.A.R - (Subject Access Request) sent 22/11/06

 

MR HOLLYDOLL

Barclays - S.A.R - (Subject Access Request) sent 22/11/06

prelim sent

lba sent

moneyclaim filed

Barclaycard - SAR sent 22/11/06

prelim sent

lba sent

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  • 3 weeks later...

Offer received £248. this is the difference between 20 and 12 pounds apparantly!

Barclays - Prelim Sent for £980

23/09/06 - LBA sent for £1000

05/10/06 - Received offer of £500

10/10/06 - MCOL Served for £1244.01

18/10/06 - Acknowledged by Barclays

20/11/06 - AQ Returned to Stockport Court

REFUNDED IN FULL

Capital One - Received Statements

Prelim sent 20/10/06 - £632

Offer received 03/11/06 - £248

Partial settlement and LBA sent 07/11/06

2nd letter from Cap 1 18/11/06

MCOL filed 21/11/06 £864

WON! REFUNDED IN FULL

Halifax - Received Statements

Prelim sent 09/10/06 - £836

28/10/06 - Offer received £568

Settled.

Egg - S.A.R - (Subject Access Request) sent 22/11/06

 

MR HOLLYDOLL

Barclays - S.A.R - (Subject Access Request) sent 22/11/06

prelim sent

lba sent

moneyclaim filed

Barclaycard - SAR sent 22/11/06

prelim sent

lba sent

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Thanks but no thanks letter and LBA sent tomorrow.

Barclays - Prelim Sent for £980

23/09/06 - LBA sent for £1000

05/10/06 - Received offer of £500

10/10/06 - MCOL Served for £1244.01

18/10/06 - Acknowledged by Barclays

20/11/06 - AQ Returned to Stockport Court

REFUNDED IN FULL

Capital One - Received Statements

Prelim sent 20/10/06 - £632

Offer received 03/11/06 - £248

Partial settlement and LBA sent 07/11/06

2nd letter from Cap 1 18/11/06

MCOL filed 21/11/06 £864

WON! REFUNDED IN FULL

Halifax - Received Statements

Prelim sent 09/10/06 - £836

28/10/06 - Offer received £568

Settled.

Egg - S.A.R - (Subject Access Request) sent 22/11/06

 

MR HOLLYDOLL

Barclays - S.A.R - (Subject Access Request) sent 22/11/06

prelim sent

lba sent

moneyclaim filed

Barclaycard - SAR sent 22/11/06

prelim sent

lba sent

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Hi Hollydoll

 

If you are offered something then you should accept it as partial payment,and that you would pursue them for the rest.There is a Template letter for the reply here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html

 

Uk..

  • Haha 1

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Hi Hollydoll,

they did the same thing with my claim. offered a partial refund of just £85, this being the sum of the difference between the £20 fee and there now reduced £12 fee and the number of times they levied the charges.

I did exaclty as ukaviator said accepted the initial offer but stating that i still required repayment of the rest of my claim.

They gave me a big fat no all along the line. I had to start the moneyclaim, and once i did that they settled in full, always insisting of course that they have not done anything wrong, they dont have a case to answer and that this is all a gesture of goodwill.!!

 

keep at them, they will pay up!!!

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Thanks

 

That's what I meant.

 

Sent them today.

Barclays - Prelim Sent for £980

23/09/06 - LBA sent for £1000

05/10/06 - Received offer of £500

10/10/06 - MCOL Served for £1244.01

18/10/06 - Acknowledged by Barclays

20/11/06 - AQ Returned to Stockport Court

REFUNDED IN FULL

Capital One - Received Statements

Prelim sent 20/10/06 - £632

Offer received 03/11/06 - £248

Partial settlement and LBA sent 07/11/06

2nd letter from Cap 1 18/11/06

MCOL filed 21/11/06 £864

WON! REFUNDED IN FULL

Halifax - Received Statements

Prelim sent 09/10/06 - £836

28/10/06 - Offer received £568

Settled.

Egg - S.A.R - (Subject Access Request) sent 22/11/06

 

MR HOLLYDOLL

Barclays - S.A.R - (Subject Access Request) sent 22/11/06

prelim sent

lba sent

moneyclaim filed

Barclaycard - SAR sent 22/11/06

prelim sent

lba sent

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  • 2 weeks later...

Received a letter back

 

"Thank you for contacting me about my offer to refund £248 I'm sorry to hear that you feel my offer is unacceptable"

 

......

 

The offer of £248 is still open if you sign and return the enclosed form. I won't be increasing this amount as it is my final offer.

 

You've mentioned that you intend to commence court procedings. Financial regulations require me to advise you that this is my final response in relation to this matter."

 

I assume this is pretty standard?

Barclays - Prelim Sent for £980

23/09/06 - LBA sent for £1000

05/10/06 - Received offer of £500

10/10/06 - MCOL Served for £1244.01

18/10/06 - Acknowledged by Barclays

20/11/06 - AQ Returned to Stockport Court

REFUNDED IN FULL

Capital One - Received Statements

Prelim sent 20/10/06 - £632

Offer received 03/11/06 - £248

Partial settlement and LBA sent 07/11/06

2nd letter from Cap 1 18/11/06

MCOL filed 21/11/06 £864

WON! REFUNDED IN FULL

Halifax - Received Statements

Prelim sent 09/10/06 - £836

28/10/06 - Offer received £568

Settled.

Egg - S.A.R - (Subject Access Request) sent 22/11/06

 

MR HOLLYDOLL

Barclays - S.A.R - (Subject Access Request) sent 22/11/06

prelim sent

lba sent

moneyclaim filed

Barclaycard - SAR sent 22/11/06

prelim sent

lba sent

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Hi HOLLYDOLL

 

Yes that is the standard reply from Robert Udy. Bet he signed it.

 

Uk..

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Am doing this online now.

 

What address should I put for Cap 1?

 

Thanks

Barclays - Prelim Sent for £980

23/09/06 - LBA sent for £1000

05/10/06 - Received offer of £500

10/10/06 - MCOL Served for £1244.01

18/10/06 - Acknowledged by Barclays

20/11/06 - AQ Returned to Stockport Court

REFUNDED IN FULL

Capital One - Received Statements

Prelim sent 20/10/06 - £632

Offer received 03/11/06 - £248

Partial settlement and LBA sent 07/11/06

2nd letter from Cap 1 18/11/06

MCOL filed 21/11/06 £864

WON! REFUNDED IN FULL

Halifax - Received Statements

Prelim sent 09/10/06 - £836

28/10/06 - Offer received £568

Settled.

Egg - S.A.R - (Subject Access Request) sent 22/11/06

 

MR HOLLYDOLL

Barclays - S.A.R - (Subject Access Request) sent 22/11/06

prelim sent

lba sent

moneyclaim filed

Barclaycard - SAR sent 22/11/06

prelim sent

lba sent

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Hi Hollydoll,

i used the address

capital one bank

PObox 5283

NG2 3YG

 

alternatively you could use this address

 

capital one bank

legal department

loxley house

station street

Nottingham

NG2 3HX

 

this is the address that all the documents returned to the court had on them

 

 

kevin

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Sowerby17 - They haven't taken my card off me.

 

Kfdh1962 - Thanks I used the Loxley house letter.

 

rachrob21 - I sent a letter accepting their offer as partial payment only and then the LBA. They wrote back and said the offer still stood and they would not be increasing it.

 

Moneyclaim filed today.

Barclays - Prelim Sent for £980

23/09/06 - LBA sent for £1000

05/10/06 - Received offer of £500

10/10/06 - MCOL Served for £1244.01

18/10/06 - Acknowledged by Barclays

20/11/06 - AQ Returned to Stockport Court

REFUNDED IN FULL

Capital One - Received Statements

Prelim sent 20/10/06 - £632

Offer received 03/11/06 - £248

Partial settlement and LBA sent 07/11/06

2nd letter from Cap 1 18/11/06

MCOL filed 21/11/06 £864

WON! REFUNDED IN FULL

Halifax - Received Statements

Prelim sent 09/10/06 - £836

28/10/06 - Offer received £568

Settled.

Egg - S.A.R - (Subject Access Request) sent 22/11/06

 

MR HOLLYDOLL

Barclays - S.A.R - (Subject Access Request) sent 22/11/06

prelim sent

lba sent

moneyclaim filed

Barclaycard - SAR sent 22/11/06

prelim sent

lba sent

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HOLLY - GOOD LUCK I AM DOING MY FORMS FOR COURT HERE NOW TOO!!

 

Does anyone happen to know whether you include the interest being charged as part of your claim figure - or is it a separate thing to write on form. Reason is my charges are less than £410 - interest on the charges take claim over the £500 - so the £80 fee rather than the £50 fee for a claim under £500 - is that right I add the charges and interest together and pay the higher court £80 fee??

 

Just wondered if anyone knows the answer to that - would appreciate some help with that please.

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Sowerby,

I sent in the SAR request for my statements etc.. - there is a £10 fee for this request of past statememnts etc.. - I couldn't say whether it's something you can request by phone to be honest.

 

There is an address here to use etc.. - and remember if you do post a letter it's worth while to record the delivery of letters you are sending (it costs £1 ) this way letters are signed for and it avoids your letters getting lost - or not delivered at all etc.. :0)

 

There is no harm in phoning and asking if you can order over the phone for your SAR though - at least you'd know?

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Hi

 

I am going through the same thing with Cap 1 at the mo, have recevied letter saying they have refunded me £56 do I need to send a letter before action letter or just the thanks but no thanks letter??

 

Thanks

Rach

 

Hi Rach,

they did the same with my claim.send the LBA but ammend it. Add in the statetement at the start of the letter along the lines of "re your letter dated ##/##/## i accept the partial refund of £56 but still require repayment of the remaining £### of my claim plus interest". You will find that you will probably have to start the money claim then they will settle straight away. This seems to be the pattern with cap one.

 

good luck

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HOLLY - GOOD LUCK I AM DOING MY FORMS FOR COURT HERE NOW TOO!!

 

Does anyone happen to know whether you include the interest being charged as part of your claim figure - or is it a separate thing to write on form. Reason is my charges are less than £410 - interest on the charges take claim over the £500 - so the £80 fee rather than the £50 fee for a claim under £500 - is that right I add the charges and interest together and pay the higher court £80 fee??

 

Just wondered if anyone knows the answer to that - would appreciate some help with that please.

 

Are you doing money claim on line? if i recall the main body of the text is just the figure your charges. when you indicate you wish to claim interest it gives you some text to add in which is where you add in your interest figure plus a statement which allows interest to accrue at a daily rate from the date of your claim. There is a template in the library covering this

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elizabeth.

 

That is right yes. MCOL online works it out for you i think.

Barclays - Prelim Sent for £980

23/09/06 - LBA sent for £1000

05/10/06 - Received offer of £500

10/10/06 - MCOL Served for £1244.01

18/10/06 - Acknowledged by Barclays

20/11/06 - AQ Returned to Stockport Court

REFUNDED IN FULL

Capital One - Received Statements

Prelim sent 20/10/06 - £632

Offer received 03/11/06 - £248

Partial settlement and LBA sent 07/11/06

2nd letter from Cap 1 18/11/06

MCOL filed 21/11/06 £864

WON! REFUNDED IN FULL

Halifax - Received Statements

Prelim sent 09/10/06 - £836

28/10/06 - Offer received £568

Settled.

Egg - S.A.R - (Subject Access Request) sent 22/11/06

 

MR HOLLYDOLL

Barclays - S.A.R - (Subject Access Request) sent 22/11/06

prelim sent

lba sent

moneyclaim filed

Barclaycard - SAR sent 22/11/06

prelim sent

lba sent

Link to post
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Thanks Holly - I filed my claim today!!

 

I sent the £80 payment too - I was just wondering if while my claim was initially under £500 whether I'd be able to pay the £50 fee cause it was the interest and court fees that took it over £500 that was all - but I rang the court and asked them to clarify too.

 

For some reason I thought I'd read somewhere someone had a £30 cheques from HMCS because of something similar to this - which was why I queried it.

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  • 2 weeks later...

OH NO DISASTER

 

I am just checking my MCOL and I am claiming

 

£656 + £48.30 = £704.30

 

But at the bottom it says my claim is for £784 plus court costs of £80.

 

What shall I do?

Barclays - Prelim Sent for £980

23/09/06 - LBA sent for £1000

05/10/06 - Received offer of £500

10/10/06 - MCOL Served for £1244.01

18/10/06 - Acknowledged by Barclays

20/11/06 - AQ Returned to Stockport Court

REFUNDED IN FULL

Capital One - Received Statements

Prelim sent 20/10/06 - £632

Offer received 03/11/06 - £248

Partial settlement and LBA sent 07/11/06

2nd letter from Cap 1 18/11/06

MCOL filed 21/11/06 £864

WON! REFUNDED IN FULL

Halifax - Received Statements

Prelim sent 09/10/06 - £836

28/10/06 - Offer received £568

Settled.

Egg - S.A.R - (Subject Access Request) sent 22/11/06

 

MR HOLLYDOLL

Barclays - S.A.R - (Subject Access Request) sent 22/11/06

prelim sent

lba sent

moneyclaim filed

Barclaycard - SAR sent 22/11/06

prelim sent

lba sent

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