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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.  
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    • 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  
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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Robinson Way - Friends Barclaycard


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Hi all,

 

I have a query on behalf of a friend.

 

She had a Barclaycard:

Account opened 02.12.2015

Last payment 30.06.2016

Account Default 24.02.2017

Balance £1556.00

 

She began receiving letters from Robinson Way which she ignored.

She then received a Letter of Claim from Howard Co & Solicitors on behalf of Hoist Finance on 12.09.2019.

As per advice given on this forum, she filled out a Reply Form (taken from this forum, not their one) and sent it back to them along with a CCA request.

 

She did not hear anything back from any of the above firms until the other day on 28.08.2020.

This letter was from Robinson Way and spoke about setting up a repayment plan.

 

She emailed Robinson Way with a complaint essentially saying that because they hadn’t complied with her requests, the debt was unenforceable.

The next day Robinson Way emailed her back with an email saying they had sent her copies of the original agreement, copy of terms and conditions, charge off statements and default notice issued by Barclaycard but they had been unable to provide and send them until 11 June 2020, as they had to wait for Barclaycard.

 

She did not receive the documents they apparently sent in June 2020 but they emailed them to her in their email response the other day.

 

It says that the credit agreement is a reconstituted copy.

 

Could I please get some advice for her with regards to what she should do next?

 

It is a bit confusing/concerning because Howard Co & Solicitors sent the Letter of Claim, so what does this mean for the situation?

 

Many thanks 

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Why confused...?They are all one and the same group.....and HC is their mouth piece Solicitor.....only a Solicitor can send out the Pre Action Protocol pack.

 

Andy

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It would be advisable to scan redact and upload what Robbers have sent for opinion...

 

Andy

 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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HC have already sent and had our std reply back to the PAPLOC.

 

i bet the CCa return its the usual 620'0000 T&C's garbage with no sight of a signed agreement anywhere in it..bogroll !!

 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I have attached the CCA (redacted) that Robbers Way sent!

 

Barclaycard’s cover letter which accompanies it says:

“Enclosed is a reconstituted copy of your credit agreement together with a copy of the terms of your credit agreement as varied in accordance with section 82(1) of the Act.

This is a statement of the terms of your agreement with us and incorporates any variations to the terms made since you entered into this agreement.”

 

Also, the CCA only states her first initial and surname where her name is stated – I don’t know if this matters or not?

 

Rightly predicted that there's no sight of a signature.

 

Does this CCA not have legal standing then?

 

My friend is still worried, she says that HC are "proper" solicitors or at least their parent company is apparently??

She fears they'll take it to court if she doesn't pay because HC wrote to her previously with the Letter of Claim.

Best I can do is advise her based on your advice though - the rest is up to her.

Barclaycard CCA.pdf

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Enclosed is a reconstituted copy of your credit agreement 

 

 

On a 5 year old agreement and they dont have the original......? :mod:...:becky:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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and no sign whatsoever of the IP sign detail

time

rate

IP number

type signiture...

 

opps thats just a set of T&C's with her name inserted.

 

she says that HC are "proper" solicitors or at least their parent company is apparently?

 

cohen's rarely ever turn up at any court hearings... should Hoist raise a claim.

they use hired local rep's that 9/10 are in a boat with a large hole in it already by agreeing to representing Hoist's chosen solicitors cohen....

 

typically they rely upon a defendant no realising the actual person that wrote  their Witness Statement MUST be in court ...

 

i can see...no signed agreement and just sheets of T&c's that prove nothing that an agreement was ever signed online at xxx time from xxx IP address from xxx address.

 

dx

 

 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Many thanks for your informative responses.

 

I'm going to pass the info on to her and I'm sure she'll be confident to just ignore them now.

 

I note that they didn't provide the Notice of Assignment that she requested in the Letter of Claim - does this matter at all?

I'm just asking as I'm curious and it could be another factor against them should anything happen further down the line!

 

Gee

 

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NOA is fatal so's no proof of signing original agreement online or otherwise

default notice is fatal too.

 

sorry but they are flying a kite here.

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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