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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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    • 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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SCM and claims beyond 6 years / limitations act 1980


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I tried to call SCM today and spoke to the same helpful (?) person who always seems to answer my calls (at least they've removed him from the greeting message).

I was asking as to why I’ve not received any documents at all despite us meeting in court next Tuesday.

 

I was told that Mr Thomas was too busy to speak and the department dealing with these cases was also too busy - i asked that a message be left for them to call back. When i explained it was due lack of any documents from LLoyds/SCM he said it's "probably because we don't intend to rely on any - we don't need to".

 

Why would they not need documents?

 

They haven't called back by the way - and i'm not going to chase them.

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Received a letter from SCM today with a copy of their letter to the court and a cheque. I'll post full info overnight - but in brief, the cheque is in full settlement of my claim - I think!

 

Should it have included the Data Protection Act fee?

 

Also as most of my charges are over 6 years old the interest is not a small amount unless I’ve made a large mistake with the spreadsheet!

 

Can someone please confirm that, for example a charge for

£7 levied to me on 23/04/1996 with that being 4070 days since - would have accrued £6.27 interest? (At 8% apr)

They’ve given me approx £60 in total for £787 of charges using 8% for 336 days (where 336 came from I’ve no idea!)

 

So the total is (again approx - I’ll correct this later) £987 when I’m thinking it should have been around £1400 Inc court fee.

 

The other letter is to the court saying they have settled and they will not be attending the court on Tuesday.

I’ve tried to call them all afternoon but they're "too busy" and no- one called back.

 

As I said I’ll post proper numbers and the letters in a few hours (on a night shift tonight).

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Ok - I’m still awake! Here’s the first letter from SCM:

 

We refer to the Small claims hearing due to be heard on 19th June and confirm that our client has advised us they will be settling the above claim in full.

 

In light of this we enclose our clients; cheque in the sum of £987.74 in settlement of this claim together with a copy of our letter sent to the court for your information.

 

Please be advised that by our client settling this claim is not to be treated in any way as an admission of liability. This is merely an attempt to resolve the matter amicably between the parties concerned.

 

We therefore trust you will write to the court to confirm our claim has been settled and provide this office with a copy for our records.

 

---------------------------------------------------

The next letter (to the court) reads:

 

We refer to the hearing due to be heard June 19th.

 

Our client has advised that in order to avoid further costs in this matter they will be settling the claimant’s claim in full, and in the circumstances we would ask for the hearing to be vacated.

 

With this in mind a personal cheque has been sent to the claimant for £987.74 which is calculated as follows:

 

Amount of claim £847.26

Court fee £ 80

Interest at 8% (£0.18 pence *336 days) £60.48

 

Total £987.74

 

 

In light of the above our client will not be represented at the small claims hearing and we would respectfully request these proceedings be marked as settled.

 

We enclose copies etc etc

 

 

----------------------------------------------------------

The claim before interest was for £784.50

Plus the court fee £80

And Data Protection Act fee?

And interest which I calculated to be £531.84 so far (bearing in mind the fees started back in 1996).

 

Have I made a big mistake in the interest (it’s very possible!) Where does 336 days come from?

 

What do you guys think?

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Looks quite good,but they seem to be trying it on still with the interest,can you take advice on your interest calculation? Really depends on if your happy with the amount (or is that blasphemy) Well done you though after all this is Lloyds we're talking about and more than 6 years.

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Personally I would accept. 8% is always at the judge's discretion. If you feel you are entitled to the correct amount of interest and wish to continue, I'm happy to check over your figures.

 

Did you send a breakdown of the figures and interest? What was on your claim? Please send your schedule to me at vampiress.bag@gmail.com if you like and I'll take a look.

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