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    • Hi BankFodder, Thanks for the reply.  I will take your advice and read through more thoroughly. To answer your question, the value of the laptop is £255.  When filling in the online form to prepare the shipment it asked what the contents of the parcel was and the value and I specified "laptop" and "£255". Thanks.
    • Before you start this claim you need to have a lot more confidence in what you're doing which means that you need to understand the way forward in the principles involved more thoroughly. We will help you and you will probably get your money back but this is a self empowerment forum and so you have to do your bit as well. Please will you spend at least the next couple of days reading through the stories on this sub- forum. Try to understand them thoroughly. We have lots of stories very similar to yours but even those which are not similar, have principles in them which apply. In particular you need to read and understand the information in the pinned topics at the top of the sub- forum. I know that you have been reading around here for the past couple of hours but it needs a lot more. You aren't in a huge hurry. Wait a few days before sending a letter of claim and also that needs some amendment as well. Come back here when you've done your reading and then we will have a look at your letter of claim and help you to refine it Also, please tell us the value of the laptop. Was it properly declared as a laptop – and was the value properly declared
    • Unsure what would be classed as appeal I first contacted the applicant then IAS. I am not aware I could appeal again as Bank state I was informed that is news to me. I would have to look through the paper work, I apologise I forget so much due to my caring duties wish I had quality time to get so much done. Will try and look tomorrow, appreciate everyone's time and input.
    • Regular savings accounts are accounts designed for savers who put money aside every month and reward them with a generous interest rate.View the full article
    • Hi, I've been reading the invaluable advice on this forum and reading about the problems with Evri and lost delivery of items.  From what I gather the initial steps after having exhausted every's own lost item claim process is to draft a Letter of Claim, I think it is called and to register with the government Money Claims.  I have got a login for Money Claims and have made an initial stab at the letter but I'm not certain I have got it right. Am I right to assume that having exhausted Evri customer service's claims process and having received the denial of any compensation because the laptop I was sending is on the non-compensatory list that my next step would be to send the Letter of Claim to them? Let me provide some basic details which I hopefully have addressed in the letter. I purchased a laptop through Amazon.co.uk which a business in Belfast sold refurbished laptops through.  They had a 30 day money back guarantee for a full refund if you have any issues with the laptop.  I have the invoice from Amazon showing the purchase.  On 27 April, 2024 before the end of the 30 day period I used their ParcelShop (inside a Tesco) to send the laptop back and have the tracking reference mentioned in the letter.  As mentioned in the letter there was they advised they could not give me or sell me any insurance because laptops are on the non-compensatory list so I just paid the normal delivery cost.  It was scanned as leaving the ParcelShop on 29 April and the tracking has been like that ever since.  After a 28 working day Evri claim process they gave the expected response that they could not provide any compensation and simply could not proceed with my claim. I was hoping to get some advice on whether I go ahead now and email this to Customer Services straightaway and should I send a hard-copy to the Evri address as well?  Or are there any steps I have missed out on first?  I believe 14 days is the reasonable period of time for them to respond so if I were to send it tomorrow, for example 12 June then I should expect a reply by 26 June, is that correct and fair?  And assuming they don't reply with a full refund then I would then go down the government Money Claims site to proceed with that? Sorry for all the questions, I want to make sure I go about it properly.  I'll continue to read through other cases on here so I can get an even better handle on the process. I attached a LOC, happy for any edits or updates that will make it even better. Thanks so much for anyone's help! Regards, Matt Evri letter of claim.docx
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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.

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Spikey v Capital One


spikeyboy
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Data Protection Act Request letter sent 31st may 2006, acknowledgment recieved 9th May 2006.

 

Still waiting for the data - just rang them - appararently they have a bit of a back log but are sorting it out now, told them they only have 11 days left to comply.

 

 

Seems they are rather busy at present :)

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I thought it was just bank accounts you could claim money back on.....i had a capital one card, its been paid now but i only owed 200.00 on it, but ended up paying just over 500.00 from charges, are we able to claim it back even although the card has been paid????

 

:???: :???: :???:

 

Kats

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Good good!

 

Capital One tend to send you EVERYTHING!! that they've got on file, (like a copy of your contract/application form, Customer Notes etc - the lot) which could explain why they take so long in providing it.

 

Good luck fella, there's already been plenty of success against Capital One so far in the forums, lets hope we can stick your name on that list soon!

 

Welcome aboard mate, keep us posted

** 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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Yes you can claim back credit card charges.

 

my card is fully paid up and i never defaulted, just really bad at remebering to pay on time, everything else except CC's is on direct debit.

 

last time they rang the guy said i had late paid 48 times !!!!!

 

will keep you posted.

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Well true to their word the information turned up this morning - special delivery.

 

Just been through and worked out late fees = £896

 

Plus the interest on Penalties of £450.23

 

I am correct in saying that i add the interest on panalties to my claim (this is not the 8% interest, but the interest i wouldnt have paid if i hadnt been charged the fees - as per Vamps spreadsheet).

 

Damn the charges soon mount up on credit cards.

 

Kind of hoping i get to the money claim stage then i can add on £323 for the 8% interest :)

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  • 3 weeks later...

Quick question - its now just 7 days till the LBA deadline and i file in Small claims court - problem is i go on hols soon and, should i wait util i get back to file the small claims court or file before i go away - if i file before i go away can i just wait until i get back to see the outcome ? or should i be in a position to know how my claim is going ?

 

This is of course presuming that they dont decide to settle up in the next 7 days

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Help please - its getting close to my 14 day dealine on the LBA - plan to start money claim soon but need to know if i should do it before i go on hols or after i get back - basically i go on hols 6 days after the 14 days on the LBA is up.

 

 

Thanks

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  • 4 weeks later...
  • 3 weeks later...

After first recieving a further offer of £1,300 which i rejected (they had deducted £450 odd pounds of the interest incured on the fees), time ran out for Cap One on 6th September 2006 (at 00:01 AM :) ) and i filed for judgement by default.

 

Judgment issued 6th September for settlement of £1,799

 

Today recieved a letter from Cap One dated 5th September (1 day before time ran out) stating they agreed to settle in full.

 

So either way i have won havent i ? as i went for judgement by default do i need to inform the courts once my check arrives ? or do i need to do anything else except wait for the check ?

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After first recieving a further offer of £1,300 which i rejected (they had deducted £450 odd pounds of the interest incured on the fees), time ran out for Cap One on 6th September 2006 (at 00:01 AM :) ) and i filed for judgement by default.

 

Judgment issued 6th September for settlement of £1,799

 

Today recieved a letter from Cap One dated 5th September (1 day before time ran out) stating they agreed to settle in full.

 

So either way i have won havent i ? as i went for judgement by default do i need to inform the courts once my check arrives ? or do i need to do anything else except wait for the check ?

 

Well do mate

 

Once you recive the cheque and the monies have cleared you then need to inform the court that it is settles in full

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