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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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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.

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Help Needed for RBOS


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Quick question about the makeup of charges on RBOS statements, I'm doing my girlfriends claim for her and I'm slightly puzzled.

 

I've got Referral Charge and Unpaid item's and they're fairly straightforward, but nearly every month there's an entry that goes something like

 

CHG TO 15JUL A/C XXXXXXXXX 25.00 31JUL

another one being

 

CHG TO 02APR A/C XXXXXXXX 5.00 18APR

 

Now I'm thinking this is the interest they're debiting, is this correct?

If the name of the claim is blue and underlined, click it to see how I did it.

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Great help you RBS lot, snowed under with answers. :rolleyes:

 

Seriously though, I think I've worked it out incase anyone else asks. It seems the £5 charge seems to be an account charge of some type, it gets charged monthly when the account is in credit. The £25 one seems to be an overdraft charge as every time she has been overdrawn she gets the £25 instead of the £5 one. So I'm sticking the £25 charges down, but not the £5 charges as that seems to be a service.

If the name of the claim is blue and underlined, click it to see how I did it.

  • Halifax - 1st Request for £3748.80 sent 10/06 Settled in full and 5% donated


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  • Lloyds - Data Protection Act sent 19/04 1st estimated request for £1500 sent15/08 LBA sent 08/09


  • Carphone Warehouse - Data Protection Act sent 19/04 Chased 04/07 ICO complaint 18/07


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  • Yes car credit - LBA sent 19/07 Court Action launched 26/09


  • HFC Bank - 1st Request for £100 sent 06/06 Settled in full and 5% donated


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is the account just an ordinary current or something like a gold account?

if it's a gold or wotnot you can't claim it back

 

also i'd give more time for answers during the week/day as theres not a lot of mods on at these times:)

Rbs £114 + contractual at 29.84% I won total=£125 no laughing it's a win

Don't moan about it DO SOMETHING ABOUT IT :D

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WHAT ACCOUNT HAVE YOU GOT?

 

The £5 looks like a service charge of some sort

when you get charged £25 I would only claim the £20 portion of it

 

I have a royalties premier account and the "service charge" is £15 when I go overdrawn I get charged £35 (15+20)

 

hope this helps

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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As said in previous email - your girlffreind is being charged a monthly fee, which is standrd minimum amount for the maintenance of the type of account she has.

 

However, this fee goes up when the bank adds 'maintenance charges' for going over her agreed overdraft limit.

 

Apparently, looking at info on this forum, she can claim for the maintenance charge they apply but not the fee agreed to when she opened/upgraded her account.

 

By way of example: I have a Royalites Gold Account - I pay £12 pm in fees to have that type of account (feel like a muppet, what a waste of money), but if I go over my od limit they apply an extra £28 charge. When they send the monthly statement a seperate sheet is enclosed that notifies me what my charges are comprised off, but on my statement if appear as a charge of £40.

 

For more info on RBS charges see goodsamaritan's threads - exteremely useful info.

 

Good luck - I am about to start my war of attrition with RBS as well.

BigDaddy

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'Allo. Thread was posted tounge in cheek HadEnough.

 

Cheers for the replies guys. Yeah realised that RBS charge for an account, so had a look at the website and then everytime it wasn't that figure, just added that figure into it.

 

Can't believe they charge you for the account AND for defaults.

If the name of the claim is blue and underlined, click it to see how I did it.

  • Halifax - 1st Request for £3748.80 sent 10/06 Settled in full and 5% donated


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  • Lloyds - Data Protection Act sent 19/04 1st estimated request for £1500 sent15/08 LBA sent 08/09


  • Carphone Warehouse - Data Protection Act sent 19/04 Chased 04/07 ICO complaint 18/07


  • First National - 1st Request for £280 sent 05/05 Settled in full and 5% donated


  • Yes car credit - LBA sent 19/07 Court Action launched 26/09


  • HFC Bank - 1st Request for £100 sent 06/06 Settled in full and 5% donated


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The 5.00 sounds like a service charge.......they did a royalties gold account and took a fiver for that.

In 2001 they charged 20.00 for unauthorised overdafts this went to 25.00 in 2002......and presumably went much higher after that.

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