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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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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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Bank of Scotland charges advice please


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This is my 1st post and looking for some advice I got a letter from my bank (BOS) last week stating that because I didn't have enough money in my account to cover a £5.96 Direct Debit that I was being charged £39.00 (I had £3.48 in my account).

 

So I went straight round to the bank and spoke to an adviser who looked back on my account and told me that it was something called a staggered DD and that as it was my 1st time getting a charge she would get it waived, I was happy with that but asked if I could get that in writing which she said I couldn't.

 

So this morning I checked my account and to my anger they haven't waived it at all and now I have no money in my account as it's my disability benefit and my wifes carers allowance that goes into that account and we don't get those until a Monday and Tuesday so now i'm another £38.08 in the red and will no doubt get another charge put on.

 

Needless to say i've cancelled the direct debit but now i'm upset at them saying they would cancel the charge and now they've incurred me another charge by going against their word.

 

Can anyone please advise me on what I should do.

 

Thanks

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Hiya Jim,

 

Firstly, welcome to CAG. :)

 

Ok, why dont you phone them and explain you were informed at your local branch, the charge was to be waived. And tell them what you have just told us. They might sort it out for you, and it is worth a try.

 

If not then we can help you.

They are not allowed to take the money from your account if it is benefits which are in there.

 

For future reference here is a letter you send them as soon as you know there is a charge due out.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/42170-right-appropriation-stop-bank.html

 

Fill it in with your own details.

 

Let us know how you get on. ;)

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Hi Sea-Sidelady,

 

Thanks for your reply and advice on this matter, well I went to my local branch of the BOS this morning as it's just around the corner from my house and spoke to someone else and she appologised as she didn't understand why the other person hadn't put it through to waive my charge.

 

The good news is that she waived the charge immediately and the money was back in my account within minutes.

 

I also asked her if due to me not having anough in the account when the charge got put on will I incurr any charges on it and she told me that if I do to go back and see her immediately.

 

Once again thank you.

 

Jim

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That is fantastic news. Im really pleased for you.

 

And so they should!!!:rolleyes:

 

Any more problems you know where we are. :D

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

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