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    • No, but all you'd do is blindly run the statute barred date for another 18 months. Just sit on your hands until you get a letter of claim, then send a CCA request.  
    • Just like last time, Evri requested more time so they have another 2 weeks
    • Just an update, finance company rejected my complaint saying they've found damage but can't tell when it's from even though I've shown them how the front end is misaligned in the advert photos compared to another identical model car they're selling.  Dealership now want to charge me to get the car brought back to me but will only discuss over the phone which seems off. They're also saying no damaged was picked up by JLR main dealership before I purchased it but my local JLR dealerships till this day haven't mentioned the damage to me because they don't go into stuff like that for some reason lol  Ombudsman case is still open, not sure if I should leave the car with them or just pay to have it brought back.
    • Hi all, I get esa and pip,  I have £1200 in arrears that I owed my ex partner, I have been paying £100 per month to clear this debt that was setup by standing order, as I have complex needs I forgot about this standing order and have overpaid mainternance by around £4000, I told CSA I am happy for my ex partner to keep overpayment I do not wish to seek anything back, however they have declined to take of the sum of £1200 and are still saying I owe this to my ex partner. In my second question it was announced that pip would stop for mental health, I don't understand the link below Disability benefits system to be reviewed as PM outlines "moral mission" to reform welfare - GOV.UK WWW.GOV.UK The Prime Minister has outlined a package of sweeping reforms to put work at the heart of welfare and... Does this mean my money is going to stop? I have spoken to my key worker and I am already recieveing help from mental health team and complex needs team along with connections and mind, I just don't get what is going on.
    • No, i haven't had one for about 10+ years. I am thinking of just going to the court in person and pay at the counter
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    • 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

focusman01 v Lloyds *******WON*****


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Sent DPA last week by recorded delivery, not only on my own account, but also on my joint account. Hopefully this should be interesting reading.

 

A great website this, I was sure I was being robbed, now I know that I AM.

 

I will keep you posted guys/gals. :)

 

Terry

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Good luck

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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RE DPA.

Hi everyone, just to keep you updated, have not heard a thing yet, but have had 2 more charges on my joint account. (more for them to pay back eh). Am going to chase them up next week, and also let them know I am counting down the days, (22 left).

 

I will let you know when I do recieve anything.

Good Luck to anyone else who is giving this bank a hard time.

 

Terry

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  • 2 weeks later...

Hi Everyone,

Just checked through my own account and had a total of £1`850, have`nt calculated joint account yet. On holiday next week, so i will get on and do the paperwork when i get back in a weeks time.

 

Terry

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  • 2 weeks later...

Hi everyone,

Since being on holiday had another charge, my own account is owed £1`878.75

And the joint account £1`375.75, a grand total of £3`253.95 :o

 

I am now going to do the LBA in the next couple of days.

I remember when Lloyds were just Lloyds, never had a problem. Since the TSB mob moved in everything changed, especially the charges etc.

 

Terry

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  • 2 months later...

Hi everyone, sorry its been a while. I sent Lloyds a letter stating thier charges were unfair and steep, and to look forward to thier banking charges leaflet, and when it came to getting our account back in order they charged us again and put us back in the red. The upshot of this was a letter stating they would look into it.

Recieved a letter a week ago :

 

lloydsletterfrom01.jpg

 

 

lloydsletterfrom02.jpg

 

 

Standerd letter is it? in which case i will put all my charges together over the last 6 years and bang em with a nice juicy LBA.

 

Oh and i did get a charges leaflet :rolleyes:

 

Bring it on

 

Terry

IMG%5D

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hi terry,

 

sounds standard to me although i've not taken on lloyds yet. Just proceed with your timetable and remember that they will try to throw you off the track at every turn- don't be discouraged! ON WITH THE FIGHT!

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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Hi Focusman,

 

You may want to edit your post to remove those images, as they contain your personal details.

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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  • 3 weeks later...

Hi peeps, i am back, and 2 LBA`s have been sent yesterday, one on my own account, and the other on our joint account.

I am now a little nervous as to what they will do now, but have opened new accounts elsewhere.

Our Account £1500

My Account £2015

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  • 2 weeks later...

Got a letter from the Recovery Centre today signed by Sian Scrase stating they would look into it, but not saying wether it would be both my account or our joint account, so will send them a further 14 days notice, as i had already sent the LBA to them a week ago.

 

My wife wanted a debit card for her sole account, but was sent details on telephone banking for OUR account. She repled that if Lloyds do not respond to her simple question within 14 days she would go to a bank that actually listens to thier customers!!

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  • 2 weeks later...
  • 2 weeks later...

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 2 weeks later...
  • 2 weeks later...

Hi

It's your copy to keep. You could send a copy of your AQ to SCM (LTSB Solicitors) as well, as they will ask you for a copy when they send you theirs.

Good luck!

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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  • 2 weeks later...

I forgot to send Lloyds soliciters a copy of my AQ, (WHOOPS) rang the court where it is to be seen, and have to call them in a week as the Judge has it at the moment. The programme tonight on BBC2 looks interesting, and I will be taking notes for extra leverage.

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Nah, there just rounding a load up from certain regions and bulk-listing them on the same day/s. Its the courts new way of trying to overcome the massive backlog of this type of claims.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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