Jump to content


  • Tweets

  • Posts

    • Nick Wallis has written up the first day of Angela van den Bogerd's evidence to the inquiry. I thought she was awful. She's decided to go with being not bright enough to spot what was happening over Fujitsu altering entries on the Horizon system, rather than covering up important facts. She's there today as well. The First Lady of Flat Earth – Post Office Scandal WWW.POSTOFFICESCANDAL.UK Angela van den Bogerd, on oath once more It is possible that Angela van den Bogerd and her senior colleagues (Rodric Williams, Mark Davies, Susan...  
    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like

andyace v a&l **SETTLED IN FULL**


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6448 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I have just finished my letters i will be sending my DPA request tomorrow. On reflection i recon i am owed about £1200. £25 overlimit charge on day 2 another £25 on day 5 is that unfair or what.

Also i have put money in to avoid the day 5 charge but because debits are applied before credits. You guesed it another £25.

My wife despairs when i complain about poor service/refunds etc but i have always got what i want.

The only thing that annoys me is the fact that i have to have a bank account to get paid. Also why is it if i use my debit card the money is lifted straight away but if i transfer money it seems to take as long as the bank decides?

 

Good luck to you all i will let you know how i get on

 

(i have multiple claims 5% of each to this site)

 

cheers andyace

cheers

andyace

 

 

citicards= £650/settled £650

Alliance and Leicester= £1534/request for payment sent/LBA sent/standard refusal/moneyclaimsent/settled £2003.36

Link to post
Share on other sites

To alanfromderby

just as a matter of interest is there a thred for your capital one claim. im paying off £600 at £50 a month. now ive found this site i recon im owed £400 of that in charges.

thanks

cheers

andyace

 

 

citicards= £650/settled £650

Alliance and Leicester= £1534/request for payment sent/LBA sent/standard refusal/moneyclaimsent/settled £2003.36

Link to post
Share on other sites

  • 1 month later...

Ive worked out that they owe me £1600. Ive just had a cheque bounce today it was the one I sent to EGG 5 weeks ago . If it was for £9.99 it would have cost nothing but cos it was for £10.00 it has cost me £34.00. Where is the logic in that? If there is no money to pay the cheque for a fiver, oh well you know what i mean.

My acount has been open at the Nat West for a few weeks now so the A&L can kiss my a~s for that charge.

I was only going to do one at a time but a request for repayment will be in the post on Monday.

 

cheers

andyace

 

(you can definately have 5% when I get this back)

cheers

andyace

 

 

citicards= £650/settled £650

Alliance and Leicester= £1534/request for payment sent/LBA sent/standard refusal/moneyclaimsent/settled £2003.36

Link to post
Share on other sites

Ive worked out that they owe me £1600. Ive just had a cheque bounce today it was the one I sent to EGG 5 weeks ago . If it was for £9.99 it would have cost nothing but cos it was for £10.00 it has cost me £34.00. Where is the logic in that?

It beggars belief doesn't it?

:idea: Perhaps if we all keep a balance of £1000 in our accounts, we will be safe from charges - as long as you're not in the habit of writing cheques for £1010 that is!

Link to post
Share on other sites

Just got my reply to my request for repayment. It's the standard fare:in line with competitors,raised within the terms and conditions etc.

They do say that the OFT report only refers to credit card companies whoose charges are quite distinct fron current account charges. I know thats a load of rubbish but I would like to reply to that specific statement in my LBA,has anyone got any ideas on the beat way to reply to that.

I knew this one would be a tough nut to crack.

cheers

andyace

 

 

citicards= £650/settled £650

Alliance and Leicester= £1534/request for payment sent/LBA sent/standard refusal/moneyclaimsent/settled £2003.36

Link to post
Share on other sites

Just seen a reply to my question.

cheers

andyace

 

 

citicards= £650/settled £650

Alliance and Leicester= £1534/request for payment sent/LBA sent/standard refusal/moneyclaimsent/settled £2003.36

Link to post
Share on other sites

LBA to A & L any comments would be welcome thanks.

 

Thank you for your letter of 8 July which I have read and noted the contents.

 

I am disappointed that you have not responded more favorably to my request for repayment of the charges levied on my account. However I cannot accept that the OFT report only applies to Credit Cards and their associated charges.

I refer specifically to the following paragraph in the OFT report:

 

“The broad principles set out in this statement are likely to relevant to other default charges in standard agreements with consumers, such as those for mortgages, store cards and bank accounts. We expect the banks and other businesses to consider the wider implications of these principles, and to bring any similar charges they impose for breach of contract into line with them, where and as appropriate bearing in mind the different legal context in which they operate. If appropriate steps are not taken within a reasonable timescale, further regulatory action can be expected.”

 

So I will ask again for you to refund to me the charges which you have levied on my account since 27 September 2004. I restate that I now understand the regime of fees which you have been applying to my account are unlawful at Common Law, Statute and resent Consumer Legislation.

 

I am prepared to allow you a further 14 days from receipt of this letter to refund £1565.50 in charges; I will accept this in the form of a cheque or credit to my account.

If I do not receive a more favorable response with in 14 days no further communication will be entered into, and I will commence action in the County Court for the recovery of this amount plus interest and costs. As you are aware any court action will amount to a sum awarded greater than the charges I am requesting in this letter. So with respect to this I urge you to reconsider your position.

cheers

andyace

 

 

citicards= £650/settled £650

Alliance and Leicester= £1534/request for payment sent/LBA sent/standard refusal/moneyclaimsent/settled £2003.36

Link to post
Share on other sites

Is there any reason not to use the standard LBA letter from the Bank Templates Library? I prefer to stick to the tried and tested letters myself, but the outcome is likely to be the same.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

Link to post
Share on other sites

A force of habit really about making a letter personal, but you are right the template letter is all that is needed for this situation. I will amend it and see how it goes thanks for the advice in the right direction.

cheers

andyace

 

 

citicards= £650/settled £650

Alliance and Leicester= £1534/request for payment sent/LBA sent/standard refusal/moneyclaimsent/settled £2003.36

Link to post
Share on other sites

  • 2 weeks later...

Had the standard reply to my LBA yesterday the same one that every else has recieved. It was nice of them to add another £75 of charges as well so it will be Money claim on Monday. I have got my reserve account up and running salary and DD all swopped over, so they can have their overdraft back at my leisure.

cheers

andyace

 

 

citicards= £650/settled £650

Alliance and Leicester= £1534/request for payment sent/LBA sent/standard refusal/moneyclaimsent/settled £2003.36

Link to post
Share on other sites

It took me untill today to get to court claim off, I meant to do it on Monday but with work its not the best thing to do at midnight. But its done now many thanks to spiceskull for his help.

My wife didn't believe me when I started this but now she is spending the money before I get it (Its when we get it now)

So for any one else just starting after the GMTV report and the Daily Mirror just go for it.:):):):)

cheers

andyace

 

 

citicards= £650/settled £650

Alliance and Leicester= £1534/request for payment sent/LBA sent/standard refusal/moneyclaimsent/settled £2003.36

Link to post
Share on other sites

Not long now Andy! Thanks for the encouragement for others.:)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

Link to post
Share on other sites

Has anyone actualy recieved a defence from A & L or any other bank for that matter. I've started to get the info together for my case, as my wife said it will be you that they decide to pick on. ( middle name lucky ). I've had a good look around but can't find any specific details of a defence only, that one has been filed. I may have missed it apologies if I have. ( wood for trees ) My wife thinks i'm on some sort of porn site the amount of time I have spent on here.:):):):)

cheers

andyace

 

 

citicards= £650/settled £650

Alliance and Leicester= £1534/request for payment sent/LBA sent/standard refusal/moneyclaimsent/settled £2003.36

Link to post
Share on other sites

I am not positive if A&L have submitted a defence or not, but others certainly have. In my case I had a counterclaim from Yorkshire Bank along with my defence, but they are being terrible for dragging things out. Don't worry if you get a defence though, as they still won't go to court.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

Link to post
Share on other sites

Claim acknowledged today 10/8 so I will wait with excitement for their defence or a cheque!! Lets hope it's the latter.

cheers

andyace

 

 

citicards= £650/settled £650

Alliance and Leicester= £1534/request for payment sent/LBA sent/standard refusal/moneyclaimsent/settled £2003.36

Link to post
Share on other sites

  • 2 weeks later...

I WILL BE OUT FOR A BIG DRINK TONIGHT!!!

 

I have just banked a cheque for the grand total of £2003.36, settled in full.

I won't bore you with details of the letter it's the usual fare, no liability admitted, account review etc.

So to every one else claiming just be patient and you will be rewarded.

Donation when the cheque clears.

cheers

andyace

 

 

citicards= £650/settled £650

Alliance and Leicester= £1534/request for payment sent/LBA sent/standard refusal/moneyclaimsent/settled £2003.36

Link to post
Share on other sites

CONGRATULATIONS

 

Consider your thread title changed. Would you complete the survey and if you think the site has helped you a donation would be greatly appreciated.:D

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

Link to post
Share on other sites

It took 103 days from sending my DPA request to banking the cheque. But It was about 3 weeks after recieving the info before i sent the first letter, so it would have been a bit quicker. I was sweating a bit because I did not have the money for the allocation questionaire which might have been a problem.

As I said I am going out for a big drink tonight!!!!

Good luck with your claim.

cheers

andyace

 

 

citicards= £650/settled £650

Alliance and Leicester= £1534/request for payment sent/LBA sent/standard refusal/moneyclaimsent/settled £2003.36

Link to post
Share on other sites

Well done you.

Mine wont be too far behind you.

I guess 18 Sept will be my big night out.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6448 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...