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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.
      • 1 reply
    • 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
      • 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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Nettyg v Hsbc ***WON***


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GOD I HATE HSBC WITH A VENGEANCE!!!!!

 

sorry i haven't been around much, but my second claim, which i was promised a cheque for.... was PAID INTO MY ACCOUNT!! i'm fuming b****ds!!!

 

still leaves me overdrawn - and they have the cheek to ask me when i'll be paying the balance off - i told them to 'balance off' too!!. told them that as that bloody balance was made up of charges and they've stolen from me - once again! - the only way i won't claim from them for a THIRD time, is if they write off the rest. we'll see what bloody Fozia Hussain thinks of that when she reads her prompt card eh!!!

 

absolutely livid....:evil:

If i've been helpful in any way....then tip my scales over there!

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:cool: Calm down, Netty Dear,

 

Revenge is a dish best served cold, they say :cool:

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Hi Netty

Did you sign an acceptance, as I stipulated that I only want a cheque! if I do not get a cheque I will NOT advise the courts as this was my stipulation in accepting the full offer, yesterday morning. But as sure as eggs are eggs they will no doubt pay it into my credit card and ignore me.

DS

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Hi Netty, sorry to digress slightly on your thread but have you managed to find out anything about whether HSBC hold statement info going back more than 6 years i.e. to Midland Bank days. I have thousands in charges going back about 20 years, and wanted to know if I am gonna be able to get hold of the information for my account going back that far ??? Any news, any colleagues willing to spill the beans ???? Thanks a bunch. Fendyweather xxxx

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i was calming down until you asked me that question fendy!! i spent the best part of a day arguing with two ladies, the first one i couldn't understand at all!!. apparently, the information that they hold on fiche is only for the same years that you can download yourself off internet banking!!! now if you believe that (which i don't for one second) pah!

 

why would they copy current information - i ask you... ridiculous. bottom line is.. .they don't want us to make claims going further back than the six years they are currently paying out on - b*****s:mad:

If i've been helpful in any way....then tip my scales over there!

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Yes very frustrating...I knew all along that I should never have shredded all those past statements / maybe anally retentive, but what's wrong with rich and anally retentive !

 

The other possible strategy is to make an estimate of previous years' charges based on charges incurred over the past 6 years I'm sure I was reading a thread here - even today - of someone who had successfully done that but I think thsir strategy was to put it all in one claim.Separating them out might prove more difficult.

 

Can I also ask you a quickie - Do you know if I have to include copies of statements in my NI court claim or is the schedule of charges enough?

Thx

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Umm, until theres something more concrete on this one I dont think Im gonna be able to go ahead with it........... Sadly, because Im sure they must add up to around 8K. Such a pity............ nvm, if any new info comes to lights on proving they hold records going back that much further, then please post it on the HSBC forum wont you. Thankyou for replying though. All the best. Fendyweather. xx

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fendy - can you pm hsbcrusher about trying to get old info - he is looking to help in some way or another - thankx.

 

 

and mostyn - don't send copies of statements - just the breakdown - 2 copies, will do....... and when you get your acknowledgment - send a copy of your breakdown to dg - their addy will be on page 2. put your claim number on it (it will come after the notice of issue)

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i've already made my mind up that the only way i'm going to get statements pre 6 years is to don a balaclava and a 'sawn-off' (giveme, you knew there'd be some kind of hat in it somewhere lol) and go find them myself.... if ever i find out where they're buried!!!

If i've been helpful in any way....then tip my scales over there!

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  • 4 weeks later...
  • 1 month later...

hey guys long time no see!!

 

here's a funny thing..... back in april i had a bit of a set too via email with one heidi daniels from leeds customer services. basically i wanted my 3rd lot of charges refunded via cheque and they refused, putting said refund into an already overdrawn account.

 

now then, today i received a cheque for £305 for said bank charges refund... making a grand total - so far - £6934 !!!!

 

 

refunded haha lol whoooping for joy

:D

this is better than working lol

 

lats... i'll pm you xxx

If i've been helpful in any way....then tip my scales over there!

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hiya sis

my belief that the banks REALLY REALLY don't know what they're doing has been restored lol

 

i've missed u all xxx:(

If i've been helpful in any way....then tip my scales over there!

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We've missed you too Netty,

 

Welcome Back! On a high note too! Well done! xx

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Hi Guys

Congratulations Netty

Jo

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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