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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • 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.

      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.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Lloyds Bank Fraud & Frequent Complainers Team


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Did you know Lloyds Banking Group (LBG) has a Fraud & Frequent Complainers Team? If you make one too many complaints to LBG, they will refer any and all future complaints to this team to complaint manage!

 

I have recently had cause to complain to LBG about a number of issues (e.g. not putting service first and not being treated as a customer fairly).

 

Having contacted LBG to find out about the progress of my complaint, I was informed by one of their Customer Service Advisors (CSAs) that my complaint was taking longer than normal, to be allocated to a complaint manager. When I enquired as to why it was taking longer than normal, the CSA advised me it was because my complaint had been reallocated to one of their specialist teams. I asked for some clarity around what that meant and also what specialist team, they were referring too.

 

The CSA then advised me that my complaint had been passed to the PCA Fraud & Frequent Complainers Team. I have seen internal documentation, which shows LBG refer to this team as the “F&F Team”.

 

So for clarity, if you make several complaints to LBG, at some stage they will stop dealing with your complaint as a normal everyday customer, and start allocating your complaints to one of a small team of Case Complaint Managers, within this “F&F Team. To give you some sort of indication on the possible trigger point for this “specialist team” I have probably put in about 9 complaints over a 20 year banking history with them, so I assume the referral threshold for allocation, to the “F&F Team”, isn’t that high!

 

As a result of this experience, my impression is that LBG must have an automatic flag marker system in place. I would be really interested to know what their policy is on this and whether the processing of this data is manual or automatic.

 

On a separate note, one of the Data Subject Access Team’s CSAs, has recently advised me that LBG customers can now submit SARs online. This is done via an Online DSAR Form.

 

https://apply.lloydsbank.co.uk/personal/a/gforms?formId=F010&prodType=GN

 

PROs

You do not have to pay the £10 statutory fee, it’s free!

I have used this new service twice and it is much quicker in comparison to the conventional route of submission (i.e. recorded delivery directly to the DSAR Team or via your local branch in person).

 

CONs

Once you complete the Online DSAR Form, it moves to the next screen and tells you that you have successfully submitted the Form. However, it doesn’t give you a URN to prove this, and it doesn’t send you a copy of the Form to your email address. You then literally have to wait for the DSAR Team at LBG to write to you and acknowledge receipt of your DSAR.

 

I am not saying this is the best thing since slice bread, but certainly another option for us consumers! They don’t advertise this new SAR submission route, and even there CSAs aren’t aware of it.

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Thank you. This is extremely interesting.

 

I'm going to start a new thread for the online SAR route so that it will tweet up to all our followers. I wonder how long it has been in existence. I imagine that it is something that has been set up in anticipation of GDPR because under the new regime you don't have to pay the £10 and you can at actually make your SAR using email.

 

On the matter of the Frequent Complainers list, this is very disturbing and I wonder how often they ever admit this in their data disclosures. Maybe I'm not on the list – but they certainly haven't admitted it to me. I think I will tweak the new GDPR template so that it also enquires as to whether one is on any particular list or category and if so what.

 

It will be very interesting to see if anyone else comes up with knowledge of this Frequent Complainers List.

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I don't find this interesting or surprising. Banks often pay redress when settling complaints so some fraudsters and consumers have figured out they can abuse this with fictitious or exaggerated complaints.

 

9 complaints in total. But were some of them made within a short time span?

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Well I'm afraid that I find it very disturbing. If there is some assumption that a frequent complainer should automatically be suspected of fraud, then I think that this is a very serious matter. Unfortunately many people need to complain frequently because they receive such poor service from the banks and also because unlike the majority of the population who understandably want a quiet life, certain people are prepared to lie down and take it. Those people easily come within the category of frequent complainers and frankly I think they should be encouraged to complain as frequently as possible.

 

We are not in France, after all.

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  • 2 years later...

If a company is in the wrong, has ver poor customer services and thinks they are more powerful than the law be prepared for the long fight do not give up and go to the top. If you have all the proof you will win in the end. I am posting over the next few days all the directors contact details to help everyone with their own individual fights

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