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    • Please can you avoid posting solid blocks of text. It is difficult for people to read especially when they are using a small screen such as a telephone. Well spaced and punctuated please. I hear what you say about the evidence – but do you have copies of it? And if so can we see it please. That's the point. We want to know what you have. As long as you have the evidence in your possession then you have some kind of control
    • Hi, the vehicle went to Audi Chingford on Thursday 13th May. I did state beforehand that I only wanted a diagnostic. The technician out of courtesy opened the drain letting huge deposits of water escape the seals. Video evidence was provided via AUDI cam. The link for the audi cam has been forwarded to BMW and Motonovo. I spoke to branch manager explained the situation and he stated he would sent me an email outlining the issue. Audi state this is not really an issue and more of a design flaw. However, the seals still have water ingress. I purchased the vehicle with £0 deposit on a 60 months HP plan for £520.00. The vehicle total was £21000. I did not go for any extended warranty. I live almost 70 miles away from the aftersales centre in Peterborough. I have previously uploaded the document I forwarded to BMW however it was in word format. I have had to buy a new tyre almost three days after purchasing vehicle. BMW still have not compensated me for the v62 cost as they said they would. 
    • 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
  • Our picks

    • 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 
      • 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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      • 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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Shinobi Vs Barclays


shinobi jones
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Hi Guys,

 

Been lurking and learning for a little while now but am about to get started on my claim. I have all my statements going way back so I'm one step forward than most people I think, but I have a couple of issues I'd like a little help on.

 

I have read a number of threads and checked the FAQ's but can't pin down an answer on a few things, opinions & personal experiences would be welcome!

 

1) Are Barclays likely to close my account? I have another account elsewhere already but it would really screw me up if they did close it.

 

2) I'm in and out of overdraft but I don't think they'd default me on it, my account used to be rubbish but is looked after a lot better now, and soon to be in reciept of a bit of boost I hope!!:D Anyone think they might default my overdraft as some others have?

 

3) I have a loan with Barclays too which I'm servicing without any trouble, could they call that in? That would completely screw me up financially and I fear I would have to drop the case if they threatened that.

 

I'm not afraid to take on Barclays having read the other success stories however I really don't want to move my account or have to repay the loan (which I couldn't do anyway!) I guess I just want to have a good look before I leap.

 

Thanks in advance

Shinobi

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Hi Guys,

 

Been lurking and learning for a little while now but am about to get started on my claim. I have all my statements going way back so I'm one step forward than most people I think, but I have a couple of issues I'd like a little help on.

 

I have read a number of threads and checked the FAQ's but can't pin down an answer on a few things, opinions & personal experiences would be welcome!

 

1) Are Barclays likely to close my account? I have another account elsewhere already but it would really screw me up if they did close it.

 

2) I'm in and out of overdraft but I don't think they'd default me on it, my account used to be rubbish but is looked after a lot better now, and soon to be in reciept of a bit of boost I hope!!:D Anyone think they might default my overdraft as some others have?

 

3) I have a loan with Barclays too which I'm servicing without any trouble, could they call that in? That would completely screw me up financially and I fear I would have to drop the case if they threatened that.

 

I'm not afraid to take on Barclays having read the other success stories however I really don't want to move my account or have to repay the loan (which I couldn't do anyway!) I guess I just want to have a good look before I leap.

 

Thanks in advance

Shinobi

 

Hi Shinobi,

Whether Barclays choose to close your accounts is really up to them, in some cases they have and other they haven't. I really would look at getting another up and running before you go too far.

 

With regard to point 3, I'm sure that the loan is a totally separate entity to your bank account and therefore won't be affected by any other dealing you are having with Barclays.

 

Most of all, don't be scared. Banks do not want to go to court for fear of having to justify there over inflated penalty charges. Being a newbie myself I can only speak from advice I have received and not from experience, but I'm sure others will come on here and be able to help better than I can.

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  • 4 weeks later...

Me again, finally got my arse in gear (in work and nothing better to do!;) ) and have done my schedule of charges and letter to Barclays asking if they'd kindly refund all they've taken from me!!

 

Going off today, not sure whether 14 days should be working days or not, whether I should let them have some lee way for new year :confused: ?

 

 

Any road my claim amount is currently £2,751.84 although this will no doubt go up as they ignore me, get 8% added and end up owing me around £3,300, nice!!

 

Thats all, hope you all had a good Christmas, here's to a profitable new year!!;)

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Me again, finally got my arse in gear (in work and nothing better to do!;) ) and have done my schedule of charges and letter to Barclays asking if they'd kindly refund all they've ****** from me!!

 

Going off today, not sure whether 14 days should be working days or not, whether I should let them have some lee way for new year :confused: ?

 

 

Any road my claim amount is currently £2,751.84 although this will no doubt go up as they ignore me, get 8% added and end up owing me around £3,300, nice!!

 

Thats all, hope you all had a good Christmas, here's to a profitable new year!!;)

 

Can you please edit your original post and avoid any words which are in any way defamatory. I've asterisked the offending word in the pasted copy of your post.

To follow my case progress, click here to see where I'm at right now.

 

Welshman

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  • 3 weeks later...

Haven't been on here for a while, I hope everyone had a profitable christmas! ;)

 

I received an acknowledgement of my complaint on 4th January and then a swift offer of £1,000 compensation (just the £1,751.84 short!) on 8th January all prior to the original 14 day deadline.

 

I then gave them the rest of the fourteen days before sending my Letter before Action cobbled together with the rejection of settlement letter to Gaynor Mills in Swansea.

 

So now they have until the end of the month before the claim gets submitted!

 

Just a couple of q's:

 

I've been charged another couple of times since my claim went in, my claim was from 01/01/2001 to 31/12/2006 but can I still add charges made after that date?

 

Second whats the timescale from now to recieving payment generally? I'm off on holiday from 21/04/07 and want this sorted by then ideally, don;t want things happening while i'm away either.

 

Thanks all :D

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Just had a call from Barclays with an increased offer of £1,500, told them to put it in writing and asked them whether or not they would consider offering the full amount as I was confident i would win my claim through the courts.

 

They aren't going to back down that easily though so i shall reject the offer, hold them to the timescale from my LBA and make my claim on 1st Feb :D

 

In the meantime though could someone help with my questions from a couple of posts up:confused:

 

I've been charged another couple of times since my claim went in, my claim was from 01/01/2001 to 31/12/2006 but can I still add charges made after that date?

 

Second whats the timescale from now to recieving payment generally? I'm off on holiday from 21/04/07 and want this sorted by then ideally, don;t want things happening while i'm away either.

 

Thanks as always

 

Shinobi

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Just a couple of q's:

 

I've been charged another couple of times since my claim went in, my claim was from 01/01/2001 to 31/12/2006 but can I still add charges made after that date? Yes, you can amend your claim for free up until you file at court. After filing, you'll need to amend your claim and pay a non-refundable £35.

 

Second whats the timescale from now to recieving payment generally? I'm off on holiday from 21/04/07 and want this sorted by then ideally, don;t want things happening while i'm away either.

 

When you file, they then have a total of 33 days to defend (and they'll use up all that time). You, and they will then receive an AQ to return to your local Court, that's another 14 days at least. Then you'll have to wait for the Judge to look at the case and set a date. In my case, that took around two weeks.

 

Thanks all :D

 

Hope that helps

To follow my case progress, click here to see where I'm at right now.

 

Welshman

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  • 2 months later...

Haven't posted on my thread for a while so I suppose its time I updated it:

 

My claim has gone through for a total of £4664.50, this was acknowledged earlier on in March and Barclays had until 31/03/2007 to defend. I logged on to MCOL this morning in eager anticipation that I could request judgement and there it was (or wasn't) no defence had been submitted and the button to request judgement was ready for the pressing!:roll:

 

I took a moment to think about what needed to be done next and by this time MCOL had logged me out. When I logged back in the screen had refreshed and showed that they had logged a defence on 26/03/2007:evil:

 

So I am now waiting for the court date which I hope will be sent soon.

 

***One question though:***

 

I am off on my hols from 24/04/2007 to 08/05/2007, if the court date or a relevant deadline falls in this period will I be able to ask them to move it? I'd hate to fall at the final hurdle because I'm off sunning myself!

 

Thanks as ever!

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Well, that's what the AQ is for, so you can ask the court not to schedule during those dates, but we've recently seen some courts dispensing with the AQ in the knowledge that matters will not end up in court.

 

Having said that, I doubt very much you'd get a court date within 4 weeks! If you did, you must be in the only area in the UK where there is no-one else reclaiming their charges!!! For example, mine were filed in on June 5th and I got a court date for November 2nd.

 

Odds are that if your court sends out an AQ, you won't get it until about 1 week's time earliest. You then have 14 days to return it, same with the other side. To be on the safe side, you can then state your holiday period, but there's no way I can see that you'd get a court date during your hols. If I were you, I'd be more worried about the AQ arriving just after you leave for your holiday. Is there someone picking up your post while you're away? It might be wise to organise this just in case. ;-)

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  • 4 months later...

I know this isn't my main thread (sorry) but I desperately need help with my bundle, it needs to go off asap.

It currently looks like this:

Correspondence

Statement of Evidence

Bank Statements

Schedule of Charges

Relevant Case Law (from basic bundle)

Early Day Motion (from basic bundle)

Dunlop

UTCCR

UCTA

SOGA

Barclays Terms and Conditions

Peter McNamara Transcript

Australian Default Charge Report

BBC Commission Conclusion

There are a number of things which I can't find but are mentioned in someone else’s bundle, I've downloaded Bookworms bundle and they aren't mentioned, should I enclose them and where can I find them?:

Provisional Findings in Northern Ireland Personal Banking

Witness Statement – I can only see one for Abbey, do I need to adapt this?

Also in Bookworms bundle the OFT report summary relates to Credit Cards, is this the right one to be using for Bank Charges? If not I can't find the right one!!

Sorry to panic so much and stray off thread but help is required! Please!

 

Shinobi

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Right then, Court Bundle submitted today but now i need some advice on Stays please.

 

I mentioned to the lady at the Court (Stourbridge) that Barclays had contacted me to say that they were going to apply for a stay (blanket letter that everyone's had) and asked whether the stay had been (a) applied for and (b) approved.

 

She said that Stourbridge County Court were going to apply stays for all cases except those above £5,000 but that I was still able to appeal if I wanted to. My claim is up around the £4,850 mark now so not far off £5k but I haven't had anything from either the court or Barclays regarding the stay application.

 

My question is should I appeal it before I get notified of it? if the court themselves have applied it I will obviously have to appeal rather than just turn up and hope Barclay's cock up but I don't want to get to court (6th September) and find that although Barclays have submitted nothing the stay has still been applied anyway!

 

Will I pee the court off by applying before I'm notified of the stay or am I ok to apply in anticipation?????

 

Given the size of my claim I might have a good chance of getting past it anyway, I just hope that B's are lulled into a false sense of security and don't turn up or file a defence and my appeal is upheld :D

 

This forum is an absolute godsend and there are some real genius' at this on here, Please help!

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Thanks Saintly, have received this morning notification from the court that they are applying the stay themselves.

 

Have many people appealed successfully against court applied stays or only those applied by the banks?

 

Here's the text of the letter:

 

1.The court is aware that a test case has been issued in the High Court between the Office of Fair Trading and certain banks, with a view to determining issues of legal principle in relation to the recovery of charges made on bank current accounts and the applicability of the Unfair Terms in Consumer Contracts Regulations and other legislation to such charges. Further information in relation to the test case is available on the OFF’s website at http://www.oft.gov .uk.

2.Upon it appearing that the issues raised in the test case will affect this claim, the claim is stayed until further order upon compliance with paragraph 1 of this order with a view to awaiting the decision in the test case. Either party may apply at any time, by application on notice in accordance with CPR23, to lift the stay.

It also says that the hearing date has now been vacated:-?

I'll appeal obviously but not too confident.

Any advice anyone?

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All you can do is try. If you don't, it will get stayed, if you do, you have a small chance to get in there, especially as you're close to the 5k limit. Have you recalculated your interest to date? That should make it even closer to the "magic" limit. :rolleyes:

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