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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 
      • 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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Lorn250 v Abbey Help needed


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I sent SAR to abbey at beginning of March and received all my statements for the last six years at the end of March. Sent letter requesting repayment of charges early April, after being given the runaround I have finally received a letter saying that the charges are lawful and they will not be refunding anything.

 

I am really annoyed about this and decided that I would take this further, i.e court. The thing is when I checked my statements, they actually owe me far more than I was claiming.

 

My question is do I send them the LBA for the new amount and give them 14 days to reply (I know they will ask for another 8 weeks!) before I start the court action.

 

Many thanks

 

Lorna

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oh yes get that lba in for the new amount together with a spreadsheet breaking it down give em hell and stick to your timetable not theirs

Abbey £4340.59 *WON* Jan 07

 

Abbey II MCOL 31/03/07 £8800.00

 

Please note..I AM NOT AN EXPERT ANYTHING WHAT I POST IS PURELY MY OPINION AND MAY BE WRONG IT IS JUST BASED ON MY UNDERSTANDING OR EXPERIENCE

 

Read my latest claim its a fast track potentially

http://www.consumeractiongroup.co.uk/forum/abbey-bank/61406-noobrider-abbey-take-2-a.html?highlight=noobrider

 

read my first claim which includes attending a directions hearing in court

http://www.consumeractiongroup.co.uk/forum/abbey-bank/10576-noobrider-abbey.html?highlight=noobrider

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no dont add the 8% as they will definately know that you are a bit dubious about the claim. You can only add that once you have issued the claim in the court. Have a really good read of some posts to get the gist of what happens and the correct procedures. My first claim might be a good start as its quite detailed as I learnt through doing and asked lots of questions. http://www.consumeractiongroup.co.uk/forum/abbey-bank/10576-noobrider-abbey.html?highlight=noobrider

 

 

Thanks for the bike comment...I bought it with the proceeds from my last claim.

Abbey £4340.59 *WON* Jan 07

 

Abbey II MCOL 31/03/07 £8800.00

 

Please note..I AM NOT AN EXPERT ANYTHING WHAT I POST IS PURELY MY OPINION AND MAY BE WRONG IT IS JUST BASED ON MY UNDERSTANDING OR EXPERIENCE

 

Read my latest claim its a fast track potentially

http://www.consumeractiongroup.co.uk/forum/abbey-bank/61406-noobrider-abbey-take-2-a.html?highlight=noobrider

 

read my first claim which includes attending a directions hearing in court

http://www.consumeractiongroup.co.uk/forum/abbey-bank/10576-noobrider-abbey.html?highlight=noobrider

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  • 3 weeks later...

Just had the normal letter from Abbey i.e. we need another 4 weeks to look at your charges, I've decided to carry on with the next step and use my time table not theirs. Went into Abbey yesterday to close our account, only to be told that they were takinganother £50 in charges, carry on said I, I will just add this onto my list of charges to be claimed. Needless to say they were not happy.

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LOL Lorn, you can add on all extra charges up until the time that you go to court. ;)

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Thanks for that Lula, just looking at my statements, they go back to end of nov 2000, can I claim them as well.

 

You guys are terrific, I wouldn't have the guts to go on with this without you.

 

Lorna

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Today received a nice letter from Abbey inviting me into the branch so they can talk to me about saving money. Felt like ringing and saying pay me back the £1650 you took from me and I will have saved £1650. LBA ready to go on 11 June

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  • 2 weeks later...

yep sure is, your on a roll now

Abbey £4340.59 *WON* Jan 07

 

Abbey II MCOL 31/03/07 £8800.00

 

Please note..I AM NOT AN EXPERT ANYTHING WHAT I POST IS PURELY MY OPINION AND MAY BE WRONG IT IS JUST BASED ON MY UNDERSTANDING OR EXPERIENCE

 

Read my latest claim its a fast track potentially

http://www.consumeractiongroup.co.uk/forum/abbey-bank/61406-noobrider-abbey-take-2-a.html?highlight=noobrider

 

read my first claim which includes attending a directions hearing in court

http://www.consumeractiongroup.co.uk/forum/abbey-bank/10576-noobrider-abbey.html?highlight=noobrider

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Today I went to the court and put in my N1. It feels great, when I get my money I am going to treat my son to a holiday as he has just been told he's off to Iraq for the second time.

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  • 2 weeks later...

Hi Lorn

 

Sorry to hear about your son going back to Iraq - worrying times for you and him I guess.

 

Anyway, no, you do not need to start on the bundle yet - may not have to do one at all with any luck!

 

It's a waiting game now - Abbey have until 16th to respond to me, so we are practically at the same stage, along with a LOT of others. Me hoping they are so snowed under that they will not respond to all the Claims, and we can go for automatic judgement under default - if only!!

 

I will keep an eye on your thread for any developments, and let you know whats happening on mine if you like.

 

Very best regards

 

Jo xx

 

ps I am very jealous of where you live... Cornwall is sooooo lovely, and Croydon is sooooo..yuk!

Six Nations Champions 2009

Triple Crown 2009

Grand Slam 2009

:cool::-D:cool:

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Jo, thanks for the message, you are right about the worry, I hate the idea of him going, but he has no choice, its a mum thing this, I will be sending lots of parcels out so he has a bit of home comforts (another mum thing). Cornwall is a lovely place to live, I live right by the sea. Antime you are down come in for a cuppa, we are very friendly down here.

 

Lorn

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Hi Lorn

 

Oh that is so nice of you! I will be in South Somerset visiting my Dad with my two boys sometime in August, so you never know!

 

Mine are still only young, 9 and 10, but I worry all day, every day about them, so I sort of know how you feel. Eldest went on a day-trip to France yesterday and I couldn't concentrate on anything all day, wondering if he was okay!

 

Thanks again for your wonderful offer - I know how friendly it is down there, since Dad moved, and one day I will swap this dump for somewhere better.........I hope!

 

Very best regards

 

Jo xx

Six Nations Champions 2009

Triple Crown 2009

Grand Slam 2009

:cool::-D:cool:

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update, Oh no abbey had said that they are defending all charges. They have 28 days, is that 28 working days or 28 calendar days. What do I do next

 

Lorn

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28 calendar days from when you submitted your claim form N1.

 

Relax, just standard practice.

 

Get ready for the next phase which is the AQ (Allocation Questionnaire) bit. This will happen automatically, so don't fret there.

 

However if you do not receive the defence, check with the Court to see if they have had one filed a day after the 28 days is up. You will know the official date when the 28 days is up as the the court will write to you shortly telling you when that is.

 

If they haven't received one then file a Judgement By Default ASAP as in there and then.

srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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  • 2 weeks later...

Update, Abbey filed aknowledgement of service on the 9th July, that is two weeks after I filed my N1. The letter from the court says they have 28 days from the date of service to file a defence. I thought it was 28 days from when I filed my N1. Which date is correct?

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The 28 days starts from (usually) 2-5 days after you fle your N1 in Court. The letter from the Court will tell you when the dste od service is. ;)

srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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Update, today received abbey defence, usual gumph, ie you were in breach of contract when you went overdrawn. Do I wait to hear from the courts and do I need to start my court bundle.

 

Any help is gratefully received.

 

Lorn250

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