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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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JP Morgan/Rooftop Arrears fees- The saga continues.


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All I can find are the internal scratchpad notes, there arent any copies of letters sent to the companies but I suspect it was all done via email, I have done a quick pdf of the requests and highlighted in red when the visits took place to match up the the other list I have posted.agentsvisits 2.pdf

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You could begin immediately with a letter of claim – but I think maybe a slightly more cautious approach could be useful. You might consider writing to them and informing them firstly that their data disclosure is incomplete because although it is clear that they arranged unauthorised visits (make sure that you emphasise that they were unauthorised), there is no reference to any correspondence relating to these arrangements in email form or in letter form. Point out to them that you have already taken legal action against them on one occasion in respect of their breach of the data protection act. You are now proposing to take a further action unless they respond with a complete disclosure without any further delay.
Secondly, as it is clear that they have shared your personal data, you are entitled to know with whom your personal data has been shared and they must respond with full details or else you will see them for that data protection breaches well.

Finally you should tell them that as the visits were not authorised because they were not made by appointment and you are not contacted about them, they were not entitled to impose any charges in respect of them – and even if the visits had been legitimately chargeable, it is clear that they would not be entitled to charge them out at a rate which exceeded the actual costs of the visit. Tell them that in addition to your proposal that you will see them for further breach of the data protection act, you are also considering suing them for the refund of charges plus interest unless they can show you why they consider that the visits were legitimate and in that case you require that they supply you with a full breakdown of the costs of the visit to show that the amount of charges they have levied against you do in fact reflect actual costs.

That's a bit convoluted – but you can work it out

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Suggested changes in red

rtopcharred210319.docx

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  • 2 weeks later...

Had a response to the Home visits from JP Morgan who administered the mortgage prior to 2017, in it they make reference to my FOS complaint whereby the Ombudsman did make mention one complaint summing up that he felt the home visit fees where reasonable. Based on this they refuse to refund the home visit fees despite us never speaking to anyone when they were made. So appears we are stuffed on this and have no chance of getting back the fees.

 

They are still looking into the issue of an incomplete DSAR, so I await the details, particularly of visits arranged by them. 

IMG_0573.jpg

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I don't notice that the ombudsman has said that the fees were reasonable. I do notice that they said that the visits were reasonable. I also noticed that they said that you were informed in advance of the visit and the associated costs. Is this correct?

I should not necessarily take what the ombudsman says as gospel. The ombudsman is half-hearted, limp wristed and believes that their remit is to be fair to both sides. This is completely at odds with the prevailing legislation which is that the firm must treat you fairly and must have your interests in mind when making decisions. The legislation says nothing about being fair to themselves.

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And by the way, you have received a letter from JP Morgan. Did you receive a similar letter from the ombudsman?

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I'm afraid I'm a bit out of touch – and you are probably more familiar with all of this stuff than I am at the moment. Can you remind me or better still – link me to the place where it makes it clear that home visits can only be carried out with an appointment – and also where it says that the fees charged may only reflect the administrative costs. I know it somewhere but I can't remember where

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I'm absolutely sure that there are some guidelines – maybe FCA guidelines which refer to home visits and say that they should not be made without agreement. Maybe it wasn't in FCA guidelines – maybe it is in the judgement to 1 of the cases.

We need to find this.

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No, that's not what I had in mind.

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Quote

These were:

  • A fee for a returned direct debit which was charged regardless of how many times the direct debit had already been returned unpaid;
  • Including arrears fees and charges in the balance on which an early repayment charge was calculated;
  • Charging for field counsellor visits in full to some customers who had not been properly informed of the timing of the visit and/or of their right to refuse or cancel the visit; or who should have been charged a reduced rate cancellation fee; and
  • A fee for litigation activities, which was applied even when such activities were taken by Redstone unnecessarily.

 

 

http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml

 

 

redstone.pdf

I haven't read this

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And of course we where never informed of the time and date but only the face they intended to visit us and now appears also interrogate our neighbors in the process.

 

time for court maybe ? 

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Yes I think that you are getting to that point.

I'd like to see the documentation relating to the visits. Also are you able to identify the charges which they levied for those visits?

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Managed to delve through the many documents they sent, re the Home visits they have on each occasion informed us that they will be making them and that we had the option to cancel - but with limited time to do so. As we would have failed to contact them then the visits went ahead, which on the face of it does weaken our position I guess. The main issue now will be the level of charges £60-£90 for counselling visits that actually never took place, I note on the reports that boxes are ticked which make assumptions based on the lack of contact that could clearly be incorrect without actually speaking to the home owner.

 

The bottom line, appears to be that they will send counsellors/investigators to you without any real permission, implied or not, and that you will pay.

 

Need to have a think about how to proceed now, if at all.

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Yes I'm afraid that this does weaken your case considerably. As you have seen in the FSA/FCA notice, a point which they emphasise several times was that the right of cancellation or the right not to have the visit was never explained.

You say there was very little notice – but how much notice was actually given?

You say that the visits never took place – is this because they attempted the visit and couldn't get access? Was an appointment made? If they informed you of the visits and of your right to cancel but then didn't make appointments and simply sent people round then I think this puts you in a good position. However, if they made an appointment then I think your position is extremely poor.

I'm wondering what the reasonable cost of a visit might be. £60 might be borderline reasonable. £90 seems to me to be pushing it. I think you should be entitled to see the invoices they received from the company carrying out the visits.

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One one occasion, they sent the letter out and was received on the same date that we had to cancel, so that would have been impossible. The remainder have no dates so it would be hard to prove wether we had time to cancel, or that they hadnt given us enough.

Sorry yes the visits took place, but we never spoke to anyone. This is recorded in the reports posted earlier, however each report has tick box assumptions and a few lines which I feel should not have been made without having contact, and because that never took place then the tick boxes should be blank. They made appointments, and kindly word the letter saying that if we dont contact then then the visit will go ahead, I guess under implied consent. No appointments were ever made by us.

 

Doubt if we will get invoices, other than the reports which are on previous posts #13&#17.

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Are you saying that some visits were proposed but they gave you no dates?

Have you any evidence of the date upon which you received the notice of visit which coincided with the date of the visit?

How many visits to they claim were arranged/are you being charged for – as against visits which actually took place?

Can you tell us about these tick box assumptions please. Maybe you could scan one of these notices and let us see it.

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I have scanned up two of the letters re visits but having problems attatching to the post, but one dated 26/01/13 was received on the evening of the 28/01/13, and it states that we had to ring them by the 29th which wasn't possible so the visit went ahead.

 

All the others dont tell us when a visit is going to happen , and as explained at no stage where we contacted by the companies concerned to arrange times etc.

 

The tick box part is on the copies of the reports in post #13, but I have done a snip of the tick boxes on the forms, but again am struggling to attach to post.

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What problems are you having posting the attachments? How big are they and what kind of files are they?

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