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    • Thanks very much Bank. I have topped and tailed my LOC and printed off a copy which I shall post tomorrow by First Class post at my local post office and also obtain a proof of postage. I'll also email them a copy. I've opened a MoneyClaim account, and shall now begin work on my draft Particulars of Claim which I shall post here for your thoughts. And I shan't be using the Moderation service.
    • Yes, it struck me this morning that I'd got it wrong    - no involvement of UKPPO in any previous Tesco thread    - there would have been an entrance sign to a Tesco car park    - CCTV isn't something associated with Tesco car parks. Presumably whoever runs the car park has put CCTV at the electric, and probably BB, areas, done absolutely nothing to stop abuse, and then rubs their hands in glee every time the CCTV catches a motorist out. You can pay £60 and this will go away. Or you can defy UKPPO and rely on their non-respect of POFA, consideration period, etc., should they be daft enough to do court later down the line.  We would support you all the way.
    • thats not the way to do it sorry. sorry so what is your problem? that vanquis paid the £560 or that they are now chasing it? how old is this debt? dx  
    • If you visited Qatar you could be detained at the border, if the debt has been notified.  If you are only in transit and do not seek to cross border into Qatar you might be ok, but you may want to seek formal advice about this.
    • Howdy, I had a short lived credit card with Vanquis that I did not need. I paid it off in full and called them and closed it with the person at the other end. 2 months later they started sending me messages about late payments, I called them and to find out that the card had not been closed in error and 6 weeks after it should have been closed they paid a google debit of £560. I hit the roof and made a formal complaint that took them well over a month to respond to. They agreed they were at fault, refunded all late payments fees and offered me £100 in compensation. However they said the debit amount stood as 'I had benefit from it' and I should get a refund from google. I hit the roof again but they have stuck to their guns. The debit from google is a genuine one but I wanted to dispute it with google so closed the card so they would have to engage with me. But surely that's neither here nor there surely? What is the next step? Ombudsman takes forever doesn't it?  thanks in advance
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Court Bundle - Index Page


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This is my index page - have i forgotten anything i should include?

 

I have just printed out exactly what was on the COURT BUNDLE - Did i need to edit or delete anything?

 

Do i put a cover letter to the court when i post it to them? and do i send a copy to Abbey Solicitors?

 

  • Relevant Case Law to Penalty Charges 2 - 4

  • Early Day motion from the House of Parliament 5

  • Dunlop v New Garage 6 - 7

  • The Unfair Terms in Consumer Contracts Regulations 1999 8 - 18

  • Unfair Contract Terms Act 1977 19 - 28

  • Supply of Goods and Services Act 1982 29 - 41

  • OFT Statement Summary 42 – 44

  • Letter to Abbey – 3rd August 2006

  • Letter from Abbey – 8th August 2006

  • Letter to Abbey – 16th August 2006 - Refusal to Refund Bank Charges


    [*]Letter from Abbey – 11th August 2006



    [*]Letter from Abbey – 22nd August & 1st September 2006



    [*]Letter to Abbey – 25th August 2006 – One year bank charges credited to my account

  • Letter to Abbey 29th September 2006 - Charges spreadsheet attached


      [*]Letter from Abbey – 28th September 2006 - Referred me to Ombudsman


      [*]Letter from Abbey – 10th October 2006



      [*]Letter from Abbey – 17th October 2006 - Refused my claim – acknowledged my £230 refund in Aug 06


      [*]Statements showing charges from 2000 - 2006


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    Hi, this looks exactly how i did mine,however i did number all the pages and put that on the index. I would send a copy to the solicitors, does it say that on the instuctions from the court?

     

    good luck x

    18/07/2206 sent request for payment £1225.45

    28/007/2006 Bogoff letter from abbey

    06/08/2006 LBA sent

    07/09/2006 part refunded £270

    09/09/2006 MCOL served

    03/10/2006 Recieved 50% offer

    03/10/2006 recieved AQ

    15/10/2006 posted AQ-due in 21st oct

    08/11/2006 letter from court giving abbey until 22/11 to hand in aq

    22/11/2006 abbey havnt given in aq

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    Yes i think thats what it says on the court papers - its hard to understand when you don't know the court lingo!

     

    I'll number all the pages, but just wanted to make sure i hadn't missed anything off.

     

    When is your court date?

     

    This is so scary - wish i never started!! but will stick with it!

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    I had lots of wobblies and thought i couldnt go on,i sent my bundle to abbey yesday and today i got a full settlement. if i can do it,trust me anyone can,

     

    it all looks there on the index.

     

    x

    18/07/2206 sent request for payment £1225.45

    28/007/2006 Bogoff letter from abbey

    06/08/2006 LBA sent

    07/09/2006 part refunded £270

    09/09/2006 MCOL served

    03/10/2006 Recieved 50% offer

    03/10/2006 recieved AQ

    15/10/2006 posted AQ-due in 21st oct

    08/11/2006 letter from court giving abbey until 22/11 to hand in aq

    22/11/2006 abbey havnt given in aq

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