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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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      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.  

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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.

      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.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Anyone Else Been Told This Drivel?


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Went £8.99 overdrawn inadvertently, genuine error, totally unaware of it. Just found out they have charged me a total of £73 for it.

 

The reason I was unaware of it is because they didn't send me bank statements for Jan/Feb, and then I couldn't get into my internet banking for ages despite two complaints. They sent me no letters, nothing. Of course I went mad at them and fired off a letter to Customer Relations. This after the cheeky little girl at my local branch told me "these are penalty charges"!

 

Response arrives today and of course they are 100% in the right every time.

 

But, and I have argued the toss just for something to do on the phone with them today, they tell me that they are no longer required to write and tell us when these things happen, it is perfectly acceptable for us to find out.

 

This was a situation where I made a card payment, which wasn't presented to my bank for two days apparently. In those two days I made a cash withdrawal and had a dd due out. I did a pen and paper exercise as no access to internet, no statement and miscalculated by £8.99. They paid the DD, and then the card payment was presented, went overdrawn so they charged me for paying the DD and for using "an instrument to guarantee a payment". I only have a debit card - basic one. I hope to goodness they still write to people who have DD's returned, or where would we all be?

 

Anyway, have a few days off so just going down the MCOL route - got the time. Like I told them, I don't care how long it takes I'll show them bloody unfair!

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Why don't you record your calls.

These kinds of statements made by staff on the phone are very useful.

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  • 2 weeks later...

Quote

"But, and I have argued the toss just for something to do on the phone with them today, they tell me that they are no longer required to write and tell us when these things happen, it is perfectly acceptable for us to find out".

 

I am of the understanding that one of the reasons they give for charging these sums is that it is also to cover the cost of writing a letter which I believe is in the region of £15 or so they say...so if they have not informed you without writing and telling you how are you to know??

 

sparkie

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For the OP, your case will be stayed automatically as it falls under the current OFT test case litigation. I might have argued the toss over the issue of the address. If it was the first time in the last 12 months that you had been charged, they would have written to you. I suspect the issue is with regards to the address and internet issues. Pity you couldn't have argued both issues at the same time. The cashier doesn't know what they are talking about ;)

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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I am of the understanding that one of the reasons they give for charging these sums is that it is also to cover the cost of writing a letter which I believe is in the region of £15 or so they say...so if they have not informed you without writing and telling you how are you to know??

 

 

This is what they would have us believe.

However, these letters are produced automatically, by computer. They also, I believe, get special postage rates because of the volume of post that they send.

The TRUE cost of sending you a letter is only coppers!

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