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    • TfL take abuse of staff passes very seriously. If the pass has been confiscated I imagine they will write to them and it could result in the card being suspended for a time, as I understand it. I hope you've told them about the card being confiscated and why? We need to know how many times you used the pass please - how many weeks at 2-3 days a week. Later I would expect TfL to write to you as well, possibly with a schedule of journeys made with the card, to ask you to tell them which journeys were you. They will ask for your side of the story. We can help you to refine a letter to send once they write but you need to start it off because you're the only one who knows the full story. I suggest something like this. Paragraph 1 a short explanation of why you used the card on the day you were caught Paragraph 2 you know you made a mistake and you regret it Paragraph 3 you understand how what you did is wrong and the effect it has on TfL Paragraph 4 you have taken action - tell them what - to ensure that this doesn't happen again Paragraph 5 you ask if they would allow you to pay the outstanding fare and their administrative costs to resolve this Please don't copy and paste what I've said, use your own words. HB NB This is a suggested reply, don't send it before they write to you because we need to see what they say.
    • I purchased the phone last Sunday evening, online, and paid online.    it was collected in store on the Monday afternoon, and then the return was attempted the following day, the Tuesday. 
    • Thanks honeybee13, They have not been in touch with with my partner yet. Will my partner be implicated? I really don't want to and have to live with knowing that the pass is confiscated and will not get it back?? I must admit i use the pass non peak and use it for 2 or 3 days a week.  I have no excuses and am bad in writing letters. I have read some thread and sample letters but i don't have mitigating circumstances. My mind is totally blank and can't sleep. 
    • Shocked at Argos' stance on this, after my recent dealings with them. Purchased a laptop and after a month the battery went dead. They simply exchanged for a new one with no issue, even though they did not have to.   My question being, can you confirm how long after you purchased the phone did you go back and ask for a refund?
    • @Lovetoteach can I ask… do you rent? Is there anyone here who has a mortgage/owns their house? 
  • 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
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like many others I was ripped-off by my bank a few years ago when they took great delight in exacerbating my ebbing and flowing cash flow by adding excessive and wholly gratuitous charges - instead of helping me find a more suitable (yet less profitable to them), solution.


I am now in the process of following in several people's footsteps from here and writing to them to ask for them back.


However, just a few quick questions:


i) Is it as simple as just filling-in the template letters and sending them off to my

branch as indicated?


ii) Should I tell them the amount and the period covered (some £6,500 over a four

year term).?


iii) I no longer have an account with them - will that make them less inclined to



iv) Are the banks getting wise to this yet and finding ways of avoiding re-paying?


If anyone can give me some quick guidance/reassurance, I would be extremely grateful. I want to get my letter offf to them as soon as possible!


Thank you.


David Booth

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1. Yes it is that simple, adjust the letters to suit your circumstances and send them off recorded delivery


2. don't worry about the term just yet. They know you can only go back 6 years. You will need to use the spreadsheet to work out interest if you go to court (not likely)


3. Should not make any difference. I have often observed that people who no longer have accounts get the claims settled quicker because the banks can't threaten them with account closure.


4. no


Hope that clears things up for you

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Sureyscouse: thank you - I am filling in the gaps in 'letter one' as we speak...


One final question. Is it imperative to send a list of all the charges/dates - or best to just state the total claim and leave the onus completely on them to do some homework?


Is providing them with a list a legal requirement, or is it best to just confirm the total amount I am seeking and let them sweat a little more as to what evidence I have?




PS: red or a blue?

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Just give them a total, don't worry about listing each charge they know what they are.


However you state the the charges exceed £6'500, if you bring a claim (which is more than likely) then the amount will exceed the £5'000 limit for small claims.


You are best spiltting the claim now, so that it's under £5'000, ask for the first amount once thats settled ask for the rest.

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Thanks Lee,


I'll state the full amount in my initial letter, but if I have to go through the small claims motions I'll split them in two (one for charges and one for interest?), and explain that to them beforehand, so they are aware that I am pursuing both.



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Thanks Lee,


I'll state the full amount in my initial letter, but if I have to go through the small claims motions I'll split them in two (one for charges and one for interest?), and explain that to them beforehand, so they are aware that I am pursuing both.



Don't split it that way - do a split by date and include the interest for the relevant period in each claim. Don't start the second claim until the first one has reached or is nearing the final stage (court claim).

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

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Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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Thank you to all who have replied so far. Your advice is MUCH appreciated.


Sending first letter today. I will be back for more support and guidance if the bank's response is anything other than what is expected.



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