PC World 16 year court case in today's DM

londonTiger

iAMaLONDONER wrote: »

Also isn't it interesting that HSBC didn't waive the agreement ?

Based on http://www.hfcbank.co.uk/

It would appear that HSBC only owned part of HFC from 2013 - i doubt they'll pull up something that happened prior to their ownership and amend it now.

tinkerbell28

meer53 wrote: »

I too wonder why HSBC didn't just cancel the agreement ! They obviously have their side of this tale to tell. They would most definitely NOT have let this go to court if they were in the wrong.

Because his main argument was with PC World for miss selling and he made the wrong choices.

HFC front the money to PC World, he agrees to pay it back.

He broke the finance contract without it seems following a proper grievance procedure. With either of them.

He just sued for his out of pocket deposit and just seemed to disregard the credit file balance as it wasn't fronted by him.

Only then he decided he would sue for damages because for he damage to his file and the consequences, he caused, by jumping the gun and being too pig headed to stop.

As far as I can see, he broke the finance contract and wants compensating for the consequences of those actions.

meer53

tinkerbell28 wrote: »

Because his main argument was with PC World for miss selling and he made the wrong choices.

HFC front the money to PC World, he agrees to pay it back.

He broke the finance contract without it seems following a proper grievance procedure. With either of them.

He just sued for his out of pocket deposit and just seemed to disregard the credit file balance as it wasn't fronted by him.

Only then he decided he would sue for damages because for he damage to his file and the consequences, he caused, by jumping the gun and being too pig headed to stop.

As far as I can see, he broke the finance contract and wants compensating for the consequences of those actions.

I was being sarcastic

rizla_king

Actual case.

http://www.bailii.org/scot/cases/ScotCS/2010/2010CSIH49.html

meer53

I've skimmed through the actual case. So, he didn't actually cancel the finance agreement, just told them he wasn't going to pay. Not the most sensible thing to do.

DaveTheMus

Why didn't he make the payments while fighting the case?

Guy sounds like a fool.

londonTiger

he had a piece of gold dust there. Retailers will simpy, dispute what a salesman "told" him.

If he managed to get pc world to cancel the transaction that means pc world agree (or are forced to accept) that they mis sold.

Once you have that it should be relatively strraight forward to get the finance company to act. But he chose to play stupid - just like when he bought the laptop without reviewing specs. He got his £50 and felt smug. Probably thought it would be enough to say up yours to the finance and move on.

He might get the finance company to cancel the finance and update the credit file because a judge ruled that he was missold.

But I suspect the judge is not going to force defendant to pay plaintiffs legal costs because plaintiff was partly to blame for the !!!! up.

iAMaLONDONER

Sabbathdei wrote: »

:rotfl: I once worked in a shop where a woman waged a 3-year campaign over a packet of clothes pegs that cost £1.99, so this doesn't surprise me in the least.

What did she do? Did she get a refund?

Sabbathdei

I think she did in the end ! The company caved in eventually, she was considering legal action as well....she'd bought the pegs, forgotten about them in a drawer for TWO years, and when she found them again they had rotted away or something. She claims they're not fit for purpose and goes to war for a couple of quid ! :eek:

londonTiger

wow pegs. Some people's lives are just complete chaos. They have no power or control and then they pick on stuff like this so they can get a small hit of power.

Women in their middle ages do that a lot of shop clerks.