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    • Hello Caggers,   I've been trying for years to get an old EE account wiped off my credit file. It was opened in 2013 and almost immediately defaulted but was shown as "Payment Arrangement" ever since. I contacted EE by telephone in 2022 and was advised it had not been wiped because therte was still £69 owing, so I paid it and thought it would correct once the CRA's updated their reporting cycle.   However, it has still not been removed. I made a formal complaint on 27/03/2024 and have had contact with the executive team who advised that  "EE account 106985089 has now been deleted from the Credit File as it failed to close as it was reporting the payment arrangement set up despite, as advised this failing which should have resulted in a further default showing.  Please be advised the deletions we have completed take 24 hours to update if a paid service is used to view the Credit File. If the customer uses one of the free services to view the Credit File, the recordings update in 24 hours but the changes can take up to 30 days to be visible on a new copy of the Credit File. I have requested compensation and been advised by EE that another team are looking into this. That was almost 2 weeks ago and there has been no contact since, despite me chasing it. I do not want to go to court and would rather settle this amicably. However,I have been advised that I might have a claim for aggravated damages due to the length of time the incorrect reporting has been on my file and the fact that I told EE about this issue and paid the demanded outstanding amount of £69 almost 18 months ago. Should I just wait for EE to reply or should I start building my case against them? Is their statement admissible as evidence of their blame or do I need to dig a bit more? I made a DSAR which was initially rejected as having no data found yet. I trawled my e-mails from 2013 and found the account number and mobile number, so I'm now awaiting the result of my 2nd attempt at DSAR. I have very little in the way of proof of actual loss except a mortgage refusal e-mail from HBOS in 2015. I have also had high interest loans and credit over the last 10 years but again cannot directly attribute this to this one specific error. There were other items on my credit file that could also have contributed to a low credit score too and I'm not out to cash in on anything. I want to make sure I don't end up shooting myself in the foot for any obvious reason and would appreciate any help from anyone who has had similar experience with breaches of DPA.
    • Noted. Keep an eye on the other threads here including the update a few hours back by Rob Carr.
    • dont need statements. nor std info sheets. EVERTHING else  dx
    • they have 6mts else it dies. ................. BUT yet again today you've posted on someone else's thread posts now moved here. please keep to your OWN THREAD!! now to date you've not bothered to reply to our questions so we CAN help you.    
    • Update: tfl is taking me to court I'm trying to get an ooc claim from them but they have not been replying to my emails. 
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Me V's Royal Mail (advice needed!) ** Successful Outcome **


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I have had an ongoing problem with Royal Mail now for over 1 year, which has led me through all of their complaints procedures, then onto POSTR's and finally small claims. I made a small claim application against Royal Mail in April and have just received a copy of their 'defense' through the post. I'll attempt to summarize a VERY long story below.

 

In April of last year I posted a parcel to Belguim via RM's International signed for service and took out extra insurance up to the value of £500.00. The parcel never arrived.

 

The parcel was a toy/replica pistol and even though it was marked as a replica and boxed inside the original packaging the parcel was confiscated at the airport and sent for 'testing' to the N.I police service via RM's depot. When I was eventually informed of this (some months later) I called N.I Police who confirmed that the parcel was never handed over to them (they record all items received from Royal Mail for testing and give them a reference number).

 

I made a claim for compensation but was refused. At first RM argued that the item was a 'weapon' and was on their list of 'prohibited goods'. I successfully argued that this was not the case, and so RM changed its argument and told me that it had a right to refuse any item that they considered might be harmful or dangerous to their customers or employee's. I commented that the item had been sent for testing but had been lost before it could be ascertained whether it was dangerous or harmless, however this point is never acknowledged.

 

POSTr's response basically said that it could not respond to allegations of theft as it did not fall within the scope of the scheme?! I hadn't accused RM of stealing the parcel , just losing it!! It also said that although it accepted the parcel was not a banned item it observed that RM had the right to refuse any item that it felt was a danger to it's staff or the public. They offered me £10 compensation for my trouble.

 

I filled in a small claims application in April and received their defense last week (summary below).

 

1. The defendant reserves the right to refuse and item that in its opinion may be harmful or dangerous. Liability for such items is not accepted.

 

2. No contract was entered into between parties for the delivery of the parcel (they mention Harold Stephen & Co V's RM 1978 as reference)

 

3. The defendant has immunity to a claim in tort in respect of the transmission or delivery of post.

 

4. The defendant may only be liable to pay compensation to the claimant if the conditions of a scheme known as the overseas letter post scheme are satisfied.

 

5. The defendant is not liable for consequential loss

 

6. The claimant has not particularised the sum being claimed ( the small claims application form didn't allow a breakdown of the sum being claimed other than 'court fees'??)

 

Basically I'm not sure whether or not to continue with the claim. It appears from reading this forum and others that RM can do whatever it likes and is immune from the usual laws and responsibilities.

 

Any and all advice welcome.

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1. The defendant reserves the right to refuse and item that in its opinion may be harmful or dangerous. Liability for such items is not accepted.

 

 

Surely in that case it should have been refused at the point of sending! It would appear you were quite honest by advising what you were sending and they not only accepted it, but sold you extra insurance for the item.

 

Not when they are being asked to pay for it's loss.

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Hold tight for a couple of days and wait for others to have a look at what the PO have submitted. They might have other suggestions.

 

This is a small claim isn't it ?

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yup - it's a small claim (I'm claiming for just under £300.00 which is the price of the item posted, cost of the postage + court fee's).

 

As I understand it the next phase is for the court to issue a questionaire to gain further info from both parties?

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Yes, an Allocation Questionnaire will be sent to you both - this will need to be completed and returned to the court by the due date, after that a hearing date will be sent to you.

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Even though the item should have been refused when posted, sending anything like a firearm, even a replica through an airport is a bit irresponsible with current security concerns.

 

Anything that can be used as a weapon and airlines is a serious no no without prior clearance. Royal Mail do state firearms are a prohibited article, deactivated/replica or not. You need to consider continuing with this claim as costs will be an issue.You would have been better sending through a carrier such as fed ex who will clear the item through customs themself

 

*We reserve the right to refuse any other item banned by law or that in our opinion may be harmful or dangerous to our customers or employees. If you send dangerous goods and do not comply with the applicable terms and conditions and legal requirements then we may deal with the goods as we see fit including destroying or disposing of the relevant goods.

Edited by squaddie
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Why should my parcel have been refused, its not a restricted item or dangerous? It was clearly marked as a replica, it was in the original box with the original instructions; a cursory inspection would have shown it to be a plastic/tin replica and not real? Before this inspection could take place however Royal Mail lost it?!

 

In September 2012 Royal Mail started a public consultation on proposals to ban the transportation of firearms, replica's and their component parts using the mail service. This idea was opposed by various organisations and individuals who succesfully argued against the idea.

 

In December 2012 Royal Mail informed BASC (British Association of Shooting and Conservation) that low powered airguns, their components and accessories, imitation, antique and deactivated firearms would continue to be carried in the post and agreed that they would allow the carriage of airgun and airsoft pellets in the post too.

 

To summarize, Royal Mail may not like carrying these items but until they successfully lobby to have them excluded from the service they are duty bound to treat them like any other item in the post.

Edited by tomo23
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The terms of carriage dictate that if they consider an item may cause a hazard to any third party, including staff, they can refuse carriage

 

If Royal Mail have lost an item, and you can prove postage, and the value of the item, then you will have a civil claim.

 

If an item has been seized/destroyed or lost as it contravenes the business own terms and conditions of carriage, that then will be a for judge to decide. I do not rate your chances

 

Royal Mail are unable to open the packages , unless it is the RLB in Belfast They can open items in the presence of the police or government representatives such as customs and excise. They would make the decision to seize/open the item, not Royal Mail

Edited by squaddie
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I've already supplied RM with proof of postage (original receipt) and value of the item (copy of payment made) and they haven't (to date) disputed this.

 

Royal Mail sized the item and sent it to N. Ireland for testing.

They informed me that they had handed it over to the Police for inspection, however the police deny all knowledge of ever receving it and RM cannot provide the reference number that the Police give for each item taken in for testing.

 

Royal Mail have the right to sieze any item that they consider dangerous to their staff or the public? Fine.

 

They do not however have the right to lose the item whilst in transit to the Police for testing! My God! Imagine if this had been a real firearm!?!

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I think the basis of your claim is that

 

Royal Mail (post office) knew what the item was when it was despatched and even offered you extra insurance for this item.

 

At some point, they have lost it and are now trying to wriggle out of compensating you via the insurance.

 

They claim to have handed it to police for testing - if this is true, then there will be a record of this.

 

If they really believed this item was dangerous to their staff, then it should never have been accepted in the first instance.

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I've managed to find the Harold Stephen & Co V's RM 1978 case details which I've tried to post a link to but I don't have enough posts yet to do so?!?

 

Not entirely sure the relevance to my case other than the fact that RM appear to be able to do whatever the heck they like and get away with it!?

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tomo, do you want to private message me with the location of this information and I will post a link for you :)

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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thanks tomo, I will get those posted on the thread for you :)

 

Sorry for the delay.. done now.

Edited by citizenB

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4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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JIC there is a link issue, I have converted the 4 documents into one pdf file below.

 

Harold Stephen & Co V's RM 1978

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4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 2 months later...

Well today I had my day in court against RM.

 

I WON!! :)

 

RM's solicitor didn't really try to use the 'restricted item' or 'dangerous item' angle but instead kept banging on about the "no contractual relationship" clause.

 

Basically it appears that Royal Mail does not enter into a contract with you when you post something with them and so can't be held accountable if things go wrong. They spent ages going through Harold Stephens case (above) and discussing immunity in tort which to be frank was a little over my head.

 

I'm by no means an expert in law but to me it seemed to come down to this simple question that the judge asked RM's solicitor:

 

" if there is no contract between Royal Mail and it's customers then why does it charge them extra money for enhanced insurance? For fun?!?! Why do Royal Mail charge extra for loss or damage when, if an item is lost of damaged there is no intention on Royal Mail's part of honouring the agreement?"

 

The Judge found in my favour stating that even if you considered Royal Mail's normal service was not 'entering into a contract' he felt that because I'd been charged extra for enhanced compensation against loss or damage I had entered into a separate contract of insurance which Royal Mail WERE accountable to.

 

I got the cost of the item, plus postage, courst fee's and expenses. RM have 14 days to pay up.

 

VERY happy :)

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Oh this is indeed excellent news. Well done for sticking with this and well done that Judge :)

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 4 weeks later...

Congratulations! A super result and an important decision to boot.

 

It is quite likely that the decision could influence a judge or other decision maker, in respect of any future claimant v Royal Mail/Post Office or other postal provider, so tomo23, can you please provide the name of the Judge, at which Court he or she sits and the case date, so appropriate reference can be made in any such action.

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tomo, can you please confirm if RM have paid up !

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Uploading documents to CAG ** Instructions **

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hey guys,

 

Yes! RM coughed up without further fuss - pity they didn't do that 16 months ago!

 

 

The hearing was at Bedford County Court before Deputy District Judge Abrahams. It was held on 29.08.13 (court 1 @ 10am)

 

I'd post a copy of the letter RM's solicitor sent me but I need 10 posts before I can attach photos.

 

Before you use my case in any action you may be considering please read this message that someone sent me regarding a query I had over setting precedent:-

 

"Precedent cannot be set in County Court (of which Small Claims is a part). It can only be set in the higher courts, so sadly, anyone else in the same situation will have to go through the whole process, with no guarantee that the result will be the same as this particular case."
Edited by tomo23
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That is correct, a County Court doesn't set a precedent but it can be seen as persuasive to another court.

 

You can post up documents if you use the following method but make sure any personal identifiers are removed first....

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try http://www.pdfescape.com TO BLANK STUFF,

************************* ************************* ***********

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use http://www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAGicon in the title

i'e Default notice DDicon-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

 

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Congratulations. If the Royal mail has not contractual obligations and you have proof of posting where does that leave people regarding the many issues with the DVLA not receiving post. I would have thought that by the act of purchasing a stamp from the Royal mail, the moment you post a stamped letter in a letter box, a contract is formed?

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Guest funforus

Well . . . no.

The act of purchasing a stamp is really only buying some credit with a general intention . . . . The interesting bits come next.

 

If you use that stamp to put your letter / packet into a letterbox then RM could, and do, say that it is held hostage to factors not controlled by them.

 

Frankly I can see their point.

There may be little chance of loss but nevertheless there is one.

 

This time of year it's kids with frireworks, a couple of years ago but less so now it was letterbox thieves (oh yes, they exist!) and red pillar boxes are occasionally smashed by vehicles and the contents damaged or destroyed . . .

 

On the other hand, if you take even a second class letter to a counter you can ask for a proof slip to show that your letter on which you had stuck your credit was placed safely into the system.

 

Now, that is a 'consideration' in the form of the payment and safe entry into the system . .

 

. add to that what I'd argue was the contractual offer made on the website in writing where the levels of compensation are displayed and you would have the basis of a sound claim and never mind what a historical case quoted as precedent said. Circumstances change.

 

There are a lot of these old privileges that were accrued by the state monopolies, like the shillings in the gas meter being yours if someone else stole them, you had to replace them. If you stole them they were suddenly the Gas Boards' and you were charged with theft!

 

Same with the GPO, perhaps privatisation will bring more customer focus? Somehow I doubt it.

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