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    • did you submit your directions
    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
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      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.

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NORCAT V Bank of Scotland (HBOS)


Norcat
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Hi all, heard/seen Matin Lewis on BBC earlier this week then watched with much interest the Money Prog.

 

For years I believed the Banks to operate a system of legitamised extortion, to the point of immorality. It appears now that it was extortion but not legit. They would return a s.o. for £17.00, because there was only £12.00 free funds in the account and then send a letter advising that they had charged you £20-30 for the privilege. What a nonsense.

 

They are now sowing what they reaped. I used to say 'a plague on all theire houses', perhaps it has now come to pass!

 

On a personal level we have just sent claims against 2 separate accounts to HBOS totalling in excess of £10,000 (scary really that this amount should have been taken from us), and await, with some apprehension, their response. Will be delighted to advise of outcome.

 

With thanks to CAG and all your support.

 

All the very best to you all in a similar situation.

 

Please, wish us success!

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Hi Norcat

 

Good luck!!!! You will get all your money. I've just started 2 claims with BOS and still await up to date statements for my credit card, bank loan, business account and mortgage. They have until tomorrow to send them. Dont think they will make the deadline. I estimate by the time I am finished it will be nearly the same amount as you.

 

Good luck. Go for it!!!

 

Gemspan

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Good afternoon Gemspan, appreciate your post and best wishes. Please keep me posted and let me know how it pans out for you, hopefully to your success. Please let me know if they respond tomorrow!!!!!

 

I am also very interested re your Biz Ac, as we will be looking at our old BOS account early next week. Now moved to RBS.

 

All the very best.

 

Norcat

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  • 2 months later...

Good afternoon all, less than 3 months after submitting 2 claims totalling just over £10,000 to BoS, I now have letters of offer from the bank for £9500.00. Quite a result. They were a bit dilatory in putting back dates when they promised to respond, but following a little pressure (threat) they did telephone to discuss and make an offer of £8000. I held out for an extra £1000 over the 2 claims and I have to say they were very easy and to be honest, good to deal with.

 

They also acknowledged that they were being flooded with these claims.

 

We are delighted with the result and would ask all out there to pursue by the methods laid out by CAG and be committed. Our experience says you will win.

 

Our thanks to CSAG and Martin Collins via the Money Programme at the end of last year, and a donation to CAG on way as soon as thye funds hit the bank account.

 

Best of luck (sorry not luck........proper action and persistence)

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