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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.
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    • 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 
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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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Help badly needed in my case against Abbey.


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I am in the process of trying to get 600 pounds worth of charges back from Abbey. I am currently unauthorised overdrawn by 107.72 after two 5 pound direct debits cleared whilst there was no money in the account. The rest is all charges that are increasing daily. I cannot afford to pay this as it has built up to such a degree and still continues to.

 

I am just about to send out the 'final notice before action' letter to Abbey. However I am hesitant to send it because they have just contacted me insisting that I send back all my Abbey bank cards and repay the amount in full, my concern is that they state that all this information is being sent on to a credit reference agency.

 

The last thing I want is to be blacklisted for credit in the future.

 

What should I do? Shall I just find a way to pay back the amount in full then resume my case with them at a later date?

 

Please help as this is causing me endless amounts of stress.

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I would open another account today, continue to pursue abbey as they did the same with me and i'm currently awaiting a court date.

 

They asked for there cards back in the begining and nothing has been said since so i nevre sent them and my account is still open.

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Crisp et al

 

As much as you may think the account is in dispute because an LBA has been sent does the letter actually say that?

 

If it does then thats fine, if it doesn't i would recommend that you send a separate simple letter informing them of this fact.

 

I wouldn't put anything else in the letter only that you are disputing the balance on the account and that any action taken by them in respect of closing the account, requiring the return of cards etc is counter to Para 13.6 of the banking code and will be considered as retaliatory action.

 

I would try to be brief, the banks don't seem to be too good at dealing with letters with more than a few lines in them and you want to be able to produce something which clearly informs them of your dispute should the need arise.

 

JMHO

 

Glenn

 

PS ill go read through the templates for LBA and Pre lim but even if they mention it i would still write something simple for the avoidance of any doubt.

 

Edit : PPS the lba doesnt specifically confirm that the account is in dispute.

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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you have on going charges which are going to continue as they have with me. its a case of "computor says no" i did not send my cards in they stopped them anyway and i did not pay off any of the charges i just continued to add them to my schedual until my N1 was submitted then i attached a letter which included the fact that my charges are continuing.

 

i agree i makes sense to inform them of the current state of your account and your intentions and yes lengthy explanations do seem to confuse them .

 

i recieved a GOGW whilst my account was in unauthorised overdraft and some of the money paid off those charges, but as this happened before my N1 went in i acknowledged the payment and added the extra cost to my total. they are having some trouble getting their heads round this.

 

keep an eye on your account. GOGW dont seem to be notified of when they go in. natwest step account is pretty simple to open up, its a basic no frills account but you can upgrade after 6mnths.

 

but most of all dont be bullied by their threats. take control and take no prisoners! its your money. as for your credit score look at the templates.

 

good luck...stay cool.:cool:

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Thank you very much for all the invaluable advice guys, it is much appreciated.

I have sent the letter as you suggested and I now feel a lot more confident in my campaign against them. It is absolutely disgusting how they treat their customers and I look forward to the satisfaction of taking back my money from them in court.

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i think you should not accept it. the extra £75 is your money, its that simple

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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Mattcrez its your choice but i would accept the offer if they amend the credit record that way you are nit out of favour with the bank and wont need to change accounts.It is your choice I guess we all think different

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