Jump to content


  • Tweets

  • Posts

    • Hi friends,  I’m a bit worried I may have got confused with timings here. I thought I had 33 days from my acknowledgment to submit a defence but the date added above says 3/6/24.   have I missed the date?   if so how can I apply for an exception due to my disability and problems with deadlines and dates etc (ADHD)?   what should I submit as a defence?   I’ve had no reply from BW so far    just been back on MCOL and it says 28 days from service if I completed an acknowledgment of service so does that mean 28 days from that of acknowledgement (I.e. 16/5) which would make deadline for defence 14/6?   Thanks! Panicking here.
    • Normally we don't advise playing your cards early in a snotty letter, but as you have appealed we might as well use what you wrote in the appeal against them. There is no rush, you have until 6 July to get it to them.  See what the other regulars think too. How about something like this? -   Dear Rachael & Sean, cheers for your Letter of Claim.  I rolled around on the floor in laughter at the idea you'd actually thought I'd take such tripe seriously and would cough up! As usual you'll have been too bone idle to do any due diligence.  Had you done so you would have seen that I appealed to your client.  Indeed the driver on the day is a textbook example of having done exactly what you should do when you do not wish to be bound by the T&Cs in a private car park. Of course none of that mattered to the spivs you represent but do you really want to put such a useless case in front of a judge? To be fair, your clients are very useful members of the human race - as comedians.  How I loved the page turner of their antics at The Citrus Building in Bournemouth.  It was chuckle after chuckle reading about them, letter after letter, month after month, insisting they were legally in the right, even through someone who had done just the first day of a GCSE law course could have told them they weren't.  Until the denouement - BOOM - an absolute hammering in court.  In fact - SLAM, BANG - managing to lose twice against the same motorist for the same car park in front of two different judges. Your client can either drop their foolishness now or get yet another tolchocking* in court where I will go for an unreasonable costs order under CPR 27.14(2)(g) and spend the dosh on a nice summer holiday, while every day laughing at your clients' expense. I look forward to your deafening silence. COPIED TO COUNTRYWIDE PARKING MANAGEMENT LTD   *  This word is used under licence from Brassnecked
    • Well yes, ... and the tax dodgers ... Trump May Owe $100 Million From Double-Dip Tax Breaks, Audit Shows A previously unknown focus of an I.R.S. audit is a dubious accounting maneuver that effectively meant taking the same write-offs twice on a Chicago skyscraper. nytimes.com WWW.NYTIMES.COM  
    • more detest the insurrectional ex variety dx
    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
  • Recommended Topics

  • 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
  • Recommended Topics

Huge Claim! Need Help Please!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6257 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

Can some one help me please? Claiming against Yorkshire Bank for £13,500 of charges! Sent prelim letter, got reply saying no, stating bank charges etc and saying if I take to court they may counter claim for damages suffered due to breach of contract. Sent LBA today. Expecting same reply. Can I claim this amount on moneyclaim site? Do I send to branch or head office as this is in Scotland?

Would really appreciate advise. Thanks.

Link to post
Share on other sites

  • Replies 84
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

REGISTERED ADDRESS: -

YORKSHIRE BANK PLC

20 MERRION WAY

LEEDS

LS2 8NZ

 

To counter claim they've got to step into court, they might of course, but have steadfastly refused so far. A claim for £13,500 would be fast-tracked where there is standard disclosure, eg a breakdoown of their costs to maintain your a/c, but greater cost risks if you lose.

Link to post
Share on other sites

Can some one help me please? Claiming against Yorkshire Bank for £13,500 of charges! Sent prelim letter, got reply saying no, stating bank charges etc and saying if I take to court they may counter claim for damages suffered due to breach of contract. Sent LBA today. Expecting same reply. Can I claim this amount on moneyclaim site? Do I send to branch or head office as this is in Scotland?

Would really appreciate advise. Thanks.

 

As usual they are clutching at straws & trying to frighten you off. You can't be in breach of a contract if the performance of the contract is unlawful and/or in breach of regulation.

 

On the matter of fast track I will PM you

Link to post
Share on other sites

I don't think you really need to worry about it being over the small claims limit, as all the banks have steadfastly refused to go to court, so the chances of you losing and having to pay bank costs are miniscule.

 

If you are really worried though, you could sever your claim to keep it under £5,000 and in the small claims track.

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

Michael, Thanks for replying. Is the address you sent the one I should use to send the money claim forms to? I have used the clydesdale bank add so far in Glasgow. Should I send them a copy?

Could you explain what you meant by it being fast-tracked. Thanks

Link to post
Share on other sites

Other banks have paid out claims using fast track including Lloyds and Alliance and Leicester, but I am not aware that YB have - yet. I have no doubt that they would do everything they could to put you off doing this and try to scare you off, but at the end of the day you have been charged unlawfully, so you will get your money back.

 

Do you understand that by doing this, in the unlikely event of you losing your claim you could be held liable for YB's costs. My own view is that it is a small enough risk to be worth taking, but you must decide for yourself.

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

Thanks for the advise Caro. I intend to go all the way with this claim - after all someone has to be the first to suceed in claiming such a large amount from the Yorkshire Bank! I am aware that if I loose I will be liable for their charges. Have you any idea roughly what that amount would be?

Still waiting for reply to LBA, but no doubt will be same as first. Money claim next step.

By the way I started a thread in the welcome forum titled barnett v YB by mistake. Can you tell me how to delete this.

Thanks.

Link to post
Share on other sites

You will not be able to claim this online as it is outside the limits for MCOL. You will need to submit an N1 to your local court, but there is info in the bank templates library. Regarding costs, I guess it would depend how much work their solicitors put in, so not cheap.

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

  • 1 month later...

Sorry I haven't posted for ages but I have been waiting for a reply to my LBA for weeks! Got a letter this morning with a cheque for £6,380!! This is aprox Half of my claim for £13,500 for the charges on two seperate accounts.

If cash it then I am accepting full and final settlement. Can someone advise me what to do please?!

If I reply asking for the rest, what are the chances that they will pay? Do you think they will force me to start court proceedings?

Would appreciate some help.

Link to post
Share on other sites

Barnett,

Best of luck with this. You're almost there now that they've sent you nearly half. Simply pay it into your account and say thanks, I accept this as partial payment but I will be seeking to recover the full amount. Caro, what do you mean about the limits of MCOL? Do you mean the amount? I'm sure you can claim for a lot more than 13k. Mine is over 10k and that hasn't been a problem.

Link to post
Share on other sites

Yes, but they are trying to dictate terms to you. Write to them thanking them for the payment and that you accept it as partial payment but if they do not pay the balance within 7 days you will issue a claim against them. They owe you 13.5k and they have admitted liability for some, so where's the rest? Stick to your guns. I'm rubbish at doing technical things so if this link fails go to the Bank Templates Library where you will find a rejection of partial offer letter. Hope this helps.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html

Link to post
Share on other sites

There is indeed a letter in the bank templates library, but I will just add a word of caution. YB tried to get JoolsTools claim struck out because he accepted the cheque, even though he made it clear it was a part settlement. He had not banked the cheque as it happens so the problem went away. YB is the only bank that I have heard of who have tried this ploy. Personally I think that as long as you make it clear that you see it as part payment the court should be fine about it, although I am not an expert. The safe thing to do is return the cheque as you will get it all in the end. It will be a long fight though. You must do what is right for you. That is a very big carrot they are dangling in front of your eyes. Think long and hard before deciding how you want to play it.

 

Paul, you are quite right. I must have been thinking MCOL was just for small claims, but I think you can claim up to about £100k. Don't know where my head was when I put that bit of misinformation.

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

Sorry I haven't posted for ages but I have been waiting for a reply to my LBA for weeks! Got a letter this morning with a cheque for £6,380!! This is aprox Half of my claim for £13,500 for the charges on two seperate accounts.

If cash it then I am accepting full and final settlement. Can someone advise me what to do please?!

If I reply asking for the rest, what are the chances that they will pay? Do you think they will force me to start court proceedings?

Would appreciate some help.

Personally, I would send the cheque back with a rejection letter (found in the templates library)The danger being that if you cash it then you might not have a leg to stand on in court at a later date.Proceed as normal in the the by step instructions (the proven method) and you will get your money back. The bitterness of losing 6k by cashing cheque will outlive the sweetness of getting 6k in your bank account today.Stick with it and go through the fast track court claim the odds are tremendously stacked in your favour regardless of the amount you are owed!M

Link to post
Share on other sites

Thanks very much for eveyone's advise. Has anyone else cashed a cheque offered in full settlement and then gone on to claim for the rest? The bank states that encashment of the cheque will be taken as acceptance of full and final offer. Does anyone know if this stands up in court? Has anyone received full amount without court proceedings? Sorry to ask so many questions but don't want to make a mess of things at this stage!In a real dilema cos I am determined to get back the full 13.5k but could really do with banking the cheque for 6.5k right now! Please help if you can. Thanks

Link to post
Share on other sites

Hello again Barnett,

I can't see any reason why you shouldn't accept their offer as partial payment. Make that clear to them. Its the YB that won't have a leg to stand on if it goes to court, not you. They can't just make up laws as they go along. And the terms of their letter won't stand for that reason. The basic argument is that you could sign any number of agreements or contracts, but if they are not lawful, they are not valid. If I were you I'd be running down to the bank first thing (via the postbox with a letter saying 'yeah, right, but can I have the rest of my money please'). I do tend to be a little aggressive with banks and mortgage companies though! Something to do with living inHackney...innit! Very best wishes,

Paul

Link to post
Share on other sites

I was once in dispute with my insurers after my car had been stolen. The insurers sent me a cheque in "full and final settlement" of my claim despite the value being disputed.

I wrote on the reverse of the cheque something to the effect that I was accepting the cheque on the understanding that is was in part settlement of my claim, then paid it into my account. I didn't encounter any problems.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...