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    • Ok so Starling came back to me and said they have made some changes on my account and I should now be able to use the 'switch' option. I have a Monzo account which I opened when I opened the Starling account, but I have not used it as yet because I was happy with Starling. I feel like I am seriously running out of options. If Monzo do the same as Startling and let me set up all my direct debits and standing orders etc and then tell me they're closing my account in so many months, what do I do then? Where do I get a bank account?  I have applied to Nationwide, got the account set up and all the details etc. Then today received an email saying sorry they were not going ahead with the account and it would be closed today. They didn't give me the option of a super basic account. I have tried RBS and Co-op too and they basically did and said the same.  I feel like a leper or something. I have only defaulted on my loans one month. It hasn't even shown up on my credit report yet, but these knock backs are definitely to do with my credit score because RBS said " Unfortunately, having made those checks we are unable to proceed with opening your account at this stage."  I don't know what to do.  I did open a Co-operative account and have all the details and even a debit card, but when I'm trying to register for online/mobile banking it is just saying for security reasons the account is locked and to call this number, which I managed to get through to the other day after holding for an hour. I am on hold again now but with what's happened with Nationwide and RBS, I am not feeling particularly optimistic. Any advice on where to go or what to do next? x
    • Thanks for coming back and letting us know.  This is much appreciated because sadly most people don't. We have a new Alliance case which has pushed me to look at old cases.  The good news is that, for all their bluster, Alliance have never had the bottle to take a Cagger to court. Please do come back though if they ever send you a Letter of Claim.
    • Thanks for this update. Well done it's a good result. Typical of this company EVRi – they dangle you around for over a year and then tried a quibble to try and save a few quid – but actually it's not about saving money it's about saving face. I don't see why they bother to save face because they have no shame. They were prepared to smash up your mother's birthday and then refused to pay you out a paltry 75 quid or so – even though they know full well that you have third-party rights and they know full well that the little insurance scam is contrary to section 57 and section 72 of the Consumer Rights Act. I wonder what they would do if it was their own mothers? Well done for standing your ground. Well done for resisting mediation which would simply have added an extra stage to the process and of course they would then have threatened you to keep quiet if you revealed what had happened. You can see they are desperate to avoid further judgements against them. They know that what they are doing is unlawful but it is making them huge profits and they don't want to rock the boat! Hopefully you have learned enough that if this kind of thing happens again with EVRi or any other company, you will feel confident about taking it forward although of course we will be here to help you and support you as you need. Thank you for the donation. I am sending you an email about this.  
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    • 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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Seeking Advice

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Hi everyone I was just wondering if I could seek some advice.


I am currently on Income Support and get roughly £168 every 2 weeks. Around a year ago I became overdrawn, since then I have failed to get back into the positive, despite borrowing off friends etc. My charges in the last year have been:


December 2006 - £75

January 2007 - £150

February 2007 - £100

March 2007 - £50

April 2007 - £132

May 2007 - £50

June 2007 - They agreed to withdraw the charge of £110

July 2007 - £20

August 2007 - £148

September 2007 - £100

October 2007 - £40

November 2007 - £81

December 2007 - £150.47


Last December I got overdrawn by about only £10 or so. Now I am regularly overdraw by £100 if not more, usually because of the charges. I have severely limited all of my expenditure now, but I do still have various bills to pay etc.


This rung I rung the HSBC to complain about the latest charge (which only leaves £18 out of two weeks worth of income!!). I mentioned the Social Security Administration Act 1992 and they put me through to some woman who tried making out that the charges were fair and not all that much to pay back, which I didn't understand considering my income. In the end she told me to email [email protected] and tell them what I had told her. I asked for a phone number but she insisted that they don't have a phone. She point blank refused to do anything about the current charge.


I am frustrated because as soon as I get my account back on track one of their fines puts me overdrawn and I end up with yet another fine simply because they are too thick to see that they are causing my financial instability, which will probably soon spread and affect my ability to pay other bills.


As I suffer from depression and anxiety all talk of court cases and what have you tend to freak me out. So I was just wondering if anybody here could give me any advice on what I can do.

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If the only income you have is government benefit the bank are not allowed to deduct their fees from this.


Firstly you need to write to them and stop them deducting any further charges... heres the thread which tells you what to do.




then you need to calculate how much they have already taken and start a claim to get this repaid.... if you need any help just let us know here :)



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Thanks for the reply.


One of my main problems is that a few bills (mobile and 2 credit cards) come out of my account via Direct Debit. Obviously without the constant charges this wouldn't be a problem. So I am not sure how I would put that into the letter or if it is possible for me to do so?


At the moment I am overdrawn (due to their charge coming at the same time as my phone and credit card bills go out). I expect to be overdrawn again at the end of the month when they take the £150 and then again at the start of January when the direct debits go out. No doubt I'll get another hefty charge for this.


So does this letter apply to Direct Debits? I did consider trying to get another bank account, but I realise because of my low income I might struggle. I am a little concerned about a basic account because I am unsure about whether I would be able to use PayPal (which is how I would pay back the people who have lent me money). Also I have the worry over the Direct Debits. But deep down I realise that a new bank account might prevent the road of financial meltdown that the HSBC seem intent on taking me down. Is there any danger of HSBC closing my account as I take this further? As I live in a rural area the only other banks around here are Lloyds-TSB, Abbey, and Barclays. So I don't want to be left with no account at all.

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Hiya Noyt, what you spend your money on is nothing to do with the bank, the government give you this allowance to live on and hopefully find gainful employment, to do this you obviously need a telephone but that is imeterial...


the bank should not be taking your living allowance to line their pockets tell them to stop and give back what they have taken it is unlawful.



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