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    • Paragraph 18 – you are still talking about Boston stolen items. About time this was fixed??? Paragraph 19  In any event, the claimant's PS5 gaming device was correctly declared and correctly valued. The defendant accepted it for carriage and was even prepared to earn extra money by selling sell insurance in case of its loss or damage. New paragraph 20 – this the defendant routinely sells insurance in respect of "no compensation" items (a secondary contract contrary to section 72 CRA 2015) new paragraph above paragraph 20 – the defendant purports to limit its liability in respect of lost or damaged items. This is contrary to section 57 of the consumer rights act 2015. The defendant offers to extend their liability if their customer purchases an insurance cover for an extra sum of money. This insurance is a secondary contract calculated to exclude or limit their liability for the defendants contractual breaches and is contrary to section 72 of the consumer rights act 2015. New paragraph below paragraph 42 – the defendant merely relies on "standard industry practice" You haven't pointed to the place in your bundle of the Telegraph newspaper extract. You have to jiggle the paragraphs around. Even though I have suggested new paragraph numbers, the order I have suggested is on your existing version 5. You will have to work it out for your next version. Good luck!   Let's see version 6 Separately, would you be kind enough to send me an unredacted to me at our admin email address.
    • i think theres been MORE than amble evidence of that and am astonished that criminal proceedings haven't begun.
    • Yep, those 'requirements' not met to shareholders satisfaction seem to me to be: 1. Not being allowed to increase customer bills by 40% (of which well over 50% of the new total would NOT be investment) 2. 1 plus regulators not agreeing to letting them do 'things in their own time (ie carry on regardless)
    • As already mentioned freely available "credit scores" are fairly useless. All lenders have their own "credit scoring" system, that for obvious reasons they don't divulge. And they're "scored" differently to the freely available ones. As soon as they could, we've always encouraged our two children to use credit cards responsibly... Pay off in full, etc, to generate good history. It's paid off. At quite young ages, they have both obtained loans for cars, mortgage and their credit card limits are through the roof. Personally, I have shifted debt around a lot on credit cards (even financed a house purchase once at 0% 😉) and I've only ever been refused a credit card once, sorry twice by the same company, over many years. They must have something very different in their lending criteria. You're a tight one, Mr Branson.
    • Hi DX - quick question, what is the bank likely to do when they get my letter of change of address ? also what is the worst they can do? thanks J1L
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Mur V Bos


murmagic
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Yes it is true.

 

You need to read around and find out how to go about things. Especially the FAQ's and step by step guide.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Hi everyone,i'm just beginning to get my bank charges refunded back to me from the BOS.Doe's anyone out there know where i send the Data Protection letter and would i write the cheque for the £10 fee to the BOS,cheers

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Hello and welcome,

I personally would post it to your local branch. Make sure you send it recorded delivery.

Then spend time reading the FAQ’s here:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

The letter templates you’ll need are here:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

And guidance notes are here:

http://www.consumeractiongroup.co.uk/forum/guidance-notes/

Finally start a thread in the bank forum relevant to you. That way you can keep a timeline of your progress and receive help and support where needed.

Best of luck with your claim.

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, 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.

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Hi murmagic,

 

I am not aware of Scotiish law myself but if you start a thread in the forum relevant to your bank, someone in there should be able to help you

.

 

Good luck

BEFORE starting your claim read through the FAQ's and if there's something you aren't sure of then ask.

If you win, donate to this site

Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.

 

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  • 1 month later...

Contact your bank and explain the situation to them. Explain that they are breaking the Data Protection Act and advise you will report them if they do not comply!

14/09/2006 - Data Protection Act letter sent to my bank.............here goes :D

28/09/2006 - Statements received through the post. Charges appear to be in the region of £2000 :eek:

04/10/2006 - Prelim letter sent for charges of £2037 :rolleyes:

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If, like me you're not very confident on the phone, try writing a letter. I've sent a letter similar to that below with great effect in the past with Capital One.....I got the statements within 3 days of sending it!!!

 

Data Protection Act 1998: Subject Access Request

Dear Sir/Madam,

Unfortunately you have failed to comply with the Data Protection Act Subject Access Request which I sent to you, dated 14th August 2006. If you do not comply within the next 7 days I shall be making a formal complaint to the Information Comissioner and taking further appropriate action if needed.

 

Wxx

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  • 3 weeks later...

Hi eveyone,

Could anyone help me,i've put my claim with the BOS for £946 without the interest and i was wanting to know on my LBA letter would i put the £946 amount or would i break it down to £750 and £196 as i live in scotland.

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Hi Murmagic,

If you are sending your LBA include the full principle sum of money that you are claiming for (£946.00). Include your spreadsheet but without the interest.

 

Remember to state at the end of the LBA letter something on the lines of -

"If you do not comply fully within 14 days then i shall begin a claim against you for the full amount as stated, plus interest, plus my costs and without further notice"

 

(You will only get the interest back if you win the case in front of the sheriff, or if they default after 21 days when you register the claim at court so don't include the interest spreadsheet until you register the claim at court!)

 

After the 14 days are up you would be better registering the claim through the Summary Cause route at the Sheriff Court. This costs the same £39.00, and is basically completed the same as the Small Claims paperwork. (check with the staff in your sheriff court, they are normally very helpful)

 

Good luck, let me know how you get on.......

Cheers T.D.:)

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(You will only get the interest back if you win the case in front of the sheriff, or if they default after 21 days when you register the claim at court so don't include the interest spreadsheet until you register the claim at court!)

 

That is not entirely true, you WILL get the interest when they settle out of court. ANY settlement should include the sum claimed + interest + costs!!

 

Good Luck

 

S

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  • 2 weeks later...

Hi everyone,

I sent my LBA 2 weeks ago and the deadline has now passed .i sent my letter registered post but the bank have not replied to me.Do you think i should give them an extension or should i start proccedings with the court ?

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Hi, I'm with Bank of Scotland and have struggled for over two years to get to grips with the knock on effects of A DEEP financial mess due to worK related problems, finally had enough of trying to resolve it by finding extra funds to offset bank charges, calling their phoneline and visiting my local branch, all with no real offer of meaningful help. Having generated additional funds on too many occasions to try to overcome the knock on effects of charges applied to my account, only to be let down by late payments going in to my account and the whole cycle starting over again, I wrote to BOS and they credited around £400 which is less than half the total applied over the last 3 months. Wrote again requesting details of charges applied to my account since 1st Aug 2004, don't know why I picked that date, and having scoured through th 10 envelopes of statements find out they have applied around £4800 in the period plus debit interest. Wrote again expressing my disgust at how bad things were and requesting they refund my money, needless to say they have declined, told me the charges were justified and referred me to the banking ombudsman service - where to now? I am literally at my wits end, having been with BOS for 30 years and treated like a piece of dirt do I go to the ombudsman, is there any point, or do I try the courts? HELP

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bos~ Data Protection Act sent

~ statements received

~ owed £1766.82

~ prelim letter sent 30/08/2006:D

~lba handed in 14/09/2006

bos Data Protection Act sent

~ statements received

~ owed £1217.86

~ prelim letter sent 30/08/2006:D

~lba handed in 14/09/2006

court date issued of the 17th november

27th oct full offer totalling everything including 8% interest court costs and £10 dpa sar..... one down next to go.

 

rbs~ Data Protection Act sent off 21/09/2006:mad:

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bos~ Data Protection Act sent

~ statements received

~ owed £1766.82

~ prelim letter sent 30/08/2006:D

~lba handed in 14/09/2006

bos Data Protection Act sent

~ statements received

~ owed £1217.86

~ prelim letter sent 30/08/2006:D

~lba handed in 14/09/2006

court date issued of the 17th november

27th oct full offer totalling everything including 8% interest court costs and £10 dpa sar..... one down next to go.

 

rbs~ Data Protection Act sent off 21/09/2006:mad:

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Hi all

The bank of scotland have ignored my LBA,so im going to fill in the court form but ive got a couple of questions.

1. My claim is for £946.But i believe i can only claim £750,so when i fill in the court form do i put in £750 and what do i do with the 8% interest.

2. Do i need a name for who im claiming against ie bank manager or can i just put the BOS.

Thanks for any help

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if you use summary cause claim instead of small claims you can claim 1500 including interest. it's the same form with a different title. you will need a solicitor or sheriff officer to issue the summons though, cost me £15, get this back in expensies.

 

on my claim i just put the defendant as "the bank manager"

[sIGPIC][/sIGPIC]

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