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    • A South Korean court sentenced Lee Jae Yong to two and a half years in prison. View the full article
    • To add to the weight of evidence this is fraud, do you have (or can you get) proof of what the cost of the Special Delivery was?. If they paid for the weight of an envelope containing a piece of paper, they won't have paid for the cost of sending a laptop (given it is much heavier) ...... You should also contact ActionFraud.
    • @dx100uk, I'm afraid you've got this wrong. My fear of compromising my defence wasn't with regards my response to DCB Legal's initial letter per se. It was more in reference to any subsequent advice posted on this thread by other forum members and I was only being wary due to the numerous instances when some have cautioned about parking companies and their legal reps trawling these pages to stay a step ahead.   As I did also state however, I'm happy to provide full details of that initial reply to DCB Legal and have therefore reproduced it below. Thanks.    
    • China's economy grew at 2.3% for the year, making it the only major economy to see growth last year. View the full article
    • more: extend the contract line by....   contract exists between the claimant and the landowner which assigns the claimant the right to enter contracts with the public and make claims in their own name. I put the claimant to strict proof that such a contract exists.   1st few lines like this:   1.I am the defendant in this matter.   Any documentary evidence relied upon by me in this, my statement will be referred to and produced as exhibits RSS1, exhibit RSS2 and so on, and are labelled and attached accordingly.   All exhibits are listed below List of Exhibits    2. In this Witness statement, the facts and matters stated are true and within my own knowledge, unless indicated otherwise.   3. I am the registered of the vehicle, xxxxxx   4. I am not liable to the claimant for the sum claimed, or any amount at all.   just sign and date at the end no statement of truth is needed sorry.   dx        
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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Have just started claims against Smile and Capital One, my next target is the Bank Of Scotland who have been a thorn in my side for a good few years. Have taken in all the information on the site but still have one question before I can initiate my plan of action against them. I have had (past tense) 3 accounts with BOS, 2 at one branch, 1 at another. I am just wondering when I send my DPA notice to them can they ask for £10 to provide statements for each account,ie £30 or should one payment of £10 cover all of them? I am not sending the letter to the branch but to the suggested address in Rosyth! Thanks in advance for any help! :)

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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Hi gargoil, one £10 payment for all 3 accounts, just list them in the one letter.

BOS Prelim : 19/06/06 Owed : £382: offered £90.LBA sent 02/07/06, Delivered: 04/07/06. Offer increased to full £382 but with condition. Settled 4/11/06.

Data Protection Act sent to BOS CC : 19/06/06. Acknowledged : 03/07/06 Statements Received : 11/07/06 owed £845

Statements received for closed BOS account: 27/07/06, Owed £2596.52

First claim on closed BOS account now started - £735 Prelim received 7/11/06 LBA sent 5/12/06, Offered Full £735 but with conditions. Claim filed 22/01/07

CapitalOne-£1247, settled in full.

LloydsTSB- £910, sttled in full.

 

LET BATTLE COMMENCE

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Thanks forthe reply,DPA notice now sent and as your sig says "Let battle Commence!":D

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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  • 3 weeks later...

Received a letter through today(halfway through the 40day period) saying that they cannot process my request for one of my accounts as they require more information on the account in question. They want info such as sort code, roll number,type off account and date closed. Definate delaying tactic as how hard can it be too put my name,address and account number into their computer to find these details? Why do I need to supply them? QAnd if they can't get th edetails how do they even kno th eaccount is closed as I didn't inform them of this. The letter does however state that I'll receive the data within the 40 day deadline I set out for them so at least I have that in writing from "them". Bunch of bar stewards!!! It is addressed Dear Sir / Madam so looks like a standard letter, and is signed...

 

Nicola Inett

Data Protection Consultant

Business Risk - Retail

 

"Business Risk" is this perhaps a team BOS have to deal with things like that. Yes I am a threat.

 

Address on letter for people sending Data Protection Act to BOS is.....

 

HBOS

Trinity Road

Halifax

HX1 2RG

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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Received statements for 2000-2004 today, about the size of the yellow pages, assume the rest will arrive soon. Thats 20days after sending the Data Protection Act. Gonna take me ages to total up but on adding up 1 year on 1 account I am at over £450 already so I'm expecting this to run to a good few grand!

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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Received rest of statements to present day for 2 of the accounts a rough totalling gives about £2900-£3000. Going to spend tonight compiling spreadsheet and then hand deliver them down to my local BOS tomorrow afterwork!! :D

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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My guesstimate was a bit on the low side, turns out I shall be claiming for £3290. So I hand delivered my prelim letter today to my local branch, it was all very polite and friendly and I got a receipt no problems. A lot nicer than the hassles of the RBOS yesterday (see my RBOS thread!) But just because the BOS are being nice doesn't mean I'll play nice!! :D

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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good for you, good luck

 

T

I will not be held liable for any advice/comments given... if in any doubt please consult professional advice.

 

HBOS Acc1 - Small Claim Filed 31/07/06 - WON -21/8/06 - MCOL -06/09/06 - WON 13/09/06

 

HBOS acc2 -Small Claim Filed 02/08/06 - WON 13/09/06 - Round 2 Prelim Letter sent 14/09.06 - LBA sent 27/09/06 - MCOL 16/10/06

 

HBOS acc3 Prelim Letter sent 14/09/06 - LBA sent 27/09/06 - MCOL 16/10/06

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Received acknowledgement this morning and a copy of their "compaints" booklet which was useful as I'm low on toilet paper!! :D

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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I tend to find them a bit on the 'shiny' side for that unfortunately...

 

Ahem, sorry - pretty standard stuff so far, stick to your timetable & your refund will come!

 

Good luck

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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  • 2 weeks later...

LBA on the way to the BOS today! Had a wee panic as my printer wasn't working but a few hits wi a hammer and its hunky dory again!! :)

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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Not long to court time now. I am wondering one thing though. I understand in Scotland it is best to break it down into £750 sections and do one claim at a time. However as I am claiming for 2 different accounts can I claim for £750 for each of them in tandem or do I have to still do them at different times?

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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Was just on the telephone to a very helpful young man from Bank Of Scotland. I'm going to make a claim for 3 accounts and am at court papers stage in a few days for 2 of these accounts. The third account i never received any info when the DPA SAR was sent. Was busy with other claims so didn't chase it up as I don't think they'll be many charges going through this account!Decided to chase it up now so telephoned BOS customer relations this morning. I got put through to the "team" dealing with this and the guy I got was pretty mush th emost helpful person I've ever spoke to at a bank. This account is a bit more complicated than the others as it was a joint account between myself and an ex-partner till late 2005 and is now souly controlled by my expartner. The guy said he would take on my case personally and get all the correct paperwork straight out to me. I asked him if they were bogged down with these requests and he says they are inundated with them. He said cases like mine where I haven't received all the info within the 40 days are being made a priority which is causing newer requests to take longer and longer to get the statements out to people. So I apologise to people who are just sending out the DPA this now for holding you guys up. At least it sounds as if th eBOS staff are getting some OT out of this anyway!! :D

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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PS LBA time ends on tuesday (hoping they don't pay as the 8% interest I can then add on adds up to £1500) and will be putting court papers out a week today!! :D

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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Am on the phone to BOS! They have "LOST" one of my accounts, which should still be open with a negative balance of approx £600-£700. I got the copy statements through and am at the end of the LBA 14 days. Was phoning for balance but account has "disappeared" off the system. Lady on the phone has spoken to several "departments" but it has went missing! Oh dear!! I fear this could lead to delays and problems come small claim court time!!

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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Erm ,apparently they've said that they've recently "wrote off" the £700 debt on this account!! No idea why? They don't have any idea why either but they are sending me a letter to confirm this is the case. I was claiming £1800 +8% interest on this account, so that would have paid off the £700 and left me with £1100 but now I think the £1800 will be going straight into my pocket! :D :D :D

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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im just starting my claim with bos and i was going to send it to my branch but everyone seems to be sending it to other places whats the best one to send it to?

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probably best to send initial correspondence to your branch. It will get to where ever it should be going that way.

RBOS: Fob off letter recieved 28th June.

LBA for £2,690 & LBA for £3,240 sent 1st July. Replt to LBA'S recieved 14/7/06......fob off again!!! watch this space

:lol: MCOL submitted 19/07/06 :cool:

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im just starting my claim with bos and i was going to send it to my branch but everyone seems to be sending it to other places whats the best one to send it to?

 

I took great joy in hand delivering my prelim letter to branch. I sent DPA and LBA to Cistomer Relations in Rosyth. Th efull address is in the BOS contact details sticky thread!! :)

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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Ok LBA deadline was today and I have a letter from Elaine Brown, Customer Relations Manager.

 

"Dear gargoil

 

account numbers:-XXXXXXX&XXXXXXXX

 

Further to your letter of 18th July 2006 (my LBA!). I'm sorry that you have not yet had a full response to your concerns.

 

It has been necessary to order copy statements from another department for account no XXXXXX as it is closed. We should receive these within th enext day or two.

 

We're investigating your complaint, and you will receive a response from us as soon as possible, but certainly no later than 18th September 2006.

 

Our complaints leaflet which we sent to you previously, explains how we will handle your complaint.

 

Your sincerely

Elaine Brown"

 

So its off to court we go on friday morning to hand in papers for BOS (Already going to hand in RBOS papers at the same time.) have them all printed out and ready to go! Just wondering if it worth me emailing Elaine Brown and saying that I am now going ahead with court action, or should I just not bother and proceed with the action.

 

gargoil

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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Sent an email through to customer relations FAO Elaine Brown,

 

"YOUR REFERENCE XXXXXXXXXX

 

Account numbers:- XXXXXXXX,XXXXXXXX

 

In reply to your letter dated 14th August 2006, the 28 days which I allowed you to comply with the request for the refund of penalty charges applied to the above named accounts expires today (15th) at 5pm. AS THESE PENALTY CHARGES WERE APPLIED TO MY ACCOUNT UNLAWFULLY I SHALL NOW COMMENCE WITH A CLAIM THROUGH MY LOCAL SHERIFF COURT ON FRIDAY 18TH AUGUST. I shall now be claiming not only for the refund of the penalty charges, totalling £3290 but also 8% interest, court fees, Data protection subject access fee, and reasonable costs to myself to bring this action to court.

 

Best Regards

 

gargoil."

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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Now received a letter through this morning offering me £500 along with an acceptance form to sign away my rights to any further claim. So I phoned them up and said politely "Thanks but no thanks, I am proceeding with court claim tomorrow and you will now be liable for interest and costs!" So I guess it's court time tomorrow. For once I wished I lived in Engerland so I could claim it all at once rather than having to break it down into £750 chunks and put in several claims. Feel as if I am getting somewhere now though!! :D

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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They are obviously struggling to deal with all these claims! I have just noticed the letter says...

 

"We reserve the right to close your account!"

 

Oh please don't close my account that has been closed for 2 years!!!!!!!! :D

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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