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    • HI DX Yes check it every month , after I reinstated the second DD I was checking every week. Also checked my bank statements and each payment has cleared. When responding to the court claim does it need to be in spefic terms ? Or laid out in a certain format? Or is it just a case of putting down in writing how I have expained it on CAG?
    • Come and engage with homelessness   Museum of Homelessness MUSEUMOFHOMELESSNESS.ORG The award-winning Museum of Homelessness (MoH) was founded in 2015 and is run by people with direct experience of homelessness. A very different approach. If you're in London you should go and see them
    • You have of course checked the car is now taxed and the £68 is stated against  the same reg?  If the tax for the same car did over lap, then I can't see you having an issue pleading not guilty Dx
    • The boundary wiill not be the yellow line.  Dx  
    • Afternoon all Looking for advice before I defend claim for car tax payment that the DVLA claim I owe £68 from an idemity claimback from my bank and unpaid tax  brief outline. Purchased car Jan 30th ,garage paid the tax for me after I gave them my card details  first payment £68 out in Feb 24  followed by payment of £31 from March due to end Jan 24 Checked one of my vehicle apps and about 7-10 days later car showing as untaxed? No reason why but it looks like DVLA cancelled it , this could be because I did not have the V5 and the gargae paid on my behalf but not sure did not receive a letter to say car was untaxed.  Fair enough I set up the tax again staight away in Feb 24  and first payment out Mar 31st , and each payment since has come out each month for £31 , this will end Feb/Mar 2025, slightly longer than the original tax set up, all good. I then claimed the £68 back from my bank as an indemity refund as obviously I had paid but DVLA had cancelled therefore it was a payment for nothing?  Last week recieved a SJP form dated 29th May stating that DVLA were claiming for unpaid tax and a false indemity claimback which of course is the £68. It also stated that I had received two previous letters offering me the oppotunity to pay that £68 but as I had not responded it was now a court claim that I must admit guilt for or defend. My post is held for weeks at a time from Royal Mail ( keepsafe) due to me receiving hospital tretament at weeks at a time that said I did not receive any previous letters from DVLA. I am happy to defend this and go to court but wondering what CAG members think? In summary I paid an initial amount of £68 and then a DD of £31 , tax cancelled  I set up a new DD at £31 a month all in the month of Feb 2024, I claimed the £68 back from my bank. DD has been coming out each month without issue and I have paperwork to show the breakdown for both DD setup's plus bank statements showing the payments coming out . The second DD set up has extended payments up to Feb/Mar 2025. DVLA claiming the £68 was ilegally claimed back despite the fact they cancelled the original DD for reasons unknown. Is this defendable ? I will post up documents including the original DD conformations 
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    • If you are buying a used car – you need to read this survival guide.
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    • 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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andrew1 v Co-op Business Account Success


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I haven't run a thread on this for various reasons but have been working at the bank for a few weeks. Sent Prelim letter from Templates. Never got to LBA because I didn't want the account closed. Just talked and waited. Played the gently gently role and used all the material learned from reading through the threads. It shows you can negotiate if you try, although it doesn't seem to be going that way with personal and credit card DCA accounts. BUT....

 

 

hey presto IT WORKED ! Success, all charges over 2 years being refunded !!!

 

 

Thank you everyone BF Dave, Seminole, VAMP et al .. without this wonderful site it would never have been....... another donation on the way..

 

Now onto the Credit cards... !

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Andrew - Are you the only co-op business success so far..? Been looking- must be a niche market..

 

C

A&L S.A.R - (Subject Access Request): 40 days up - overdue ! Now received

Co-operative Bank (business): £ 1,008 - settled in full after LBA

 

Lloydstb: £ 387 - settled in full after LBA

 

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Hi Charlie, I'm not sure actually, I managed to talk my way through it without too much hassle. If you are having trouble let me know and I'll tell you how I did mine.. I have a very busy week this week as I have a high court case on Friday to prepare for so won't be posting much on the forum..just reading, but after that I'll be back in my usual talkative way! I'll do what I can to help.

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Andrew - Good luck for friday !

 

I think I am OK: standard prelim template in, business LBA prepared for wednesday, will adjust POC omitting phrase Unfair Terms in Consumer Contracts Regulations (1999). 8 % calculated (at £325) in case things go further..

 

Ta

 

C

A&L S.A.R - (Subject Access Request): 40 days up - overdue ! Now received

Co-operative Bank (business): £ 1,008 - settled in full after LBA

 

Lloydstb: £ 387 - settled in full after LBA

 

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Charlie, why don't you just ring them up and speak to a business advisor, if the account is still operating tell them that you want to keep the goodwill going and you really don't want to cause unnecessary friction between you as you are very happy with coop bank etc. Don't speak to just any ole customer services person. Ask to speak to your/a business manager. I know for a fact they are settling rather than going the legal route and I really suggest you try just talking to them first. Know the figures before you call and don't forget to mention you are following the Consumer Action Group campaign and know all the procedures but would rather give them the opportunity to put it right, without admitting any liability blah blah. I believe you'll get success.

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Sorry Andrew - know you are busy.. Thing is I borrowed money to close this account down a year ago cause i was hemorrhaging money. I'm sure they are half decent -but after whacking me when I was down I'm not feeling very sympathetic.. Thanx C

A&L S.A.R - (Subject Access Request): 40 days up - overdue ! Now received

Co-operative Bank (business): £ 1,008 - settled in full after LBA

 

Lloydstb: £ 387 - settled in full after LBA

 

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All I can say is that in any negotiation you have to take the emotion out of the equation and deal with fact only. Fact is, these charges are unlawful and they know it. They do not want the publicity and to be honest what have you got to lose by calling them - if they say no you'll sue them anyway if they say yes you're saving them and you alot of time and money. I'd still suggest asking them. Also, if these are made up of a lot of charges and you have had to borrow to clear the debt, it wouldn't go amiss to tell them you'll be seeking compensation against the cost of borrowing the money to pay them back. Now, you might like to do that anyway - but will you?

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My approach to this has been quite business-like, no axe to grind, just want the money back. I will give them a call- see what happens. I like the idea of charging interest on money borrowed to close the account. I borrowed £1,240 in December 05 to close the account which is less than my £1,345 claim, so this seems reasonable. Problem is I borrowed the money personally so don't have an official interest rate to quote. Obviously I would need to sort this before my phone conversation/ LBA

 

Thanx a lot for your help- sorry for the bad timing re your prep. I might just hold off for a bit..

A&L S.A.R - (Subject Access Request): 40 days up - overdue ! Now received

Co-operative Bank (business): £ 1,008 - settled in full after LBA

 

Lloydstb: £ 387 - settled in full after LBA

 

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:D know what you mean, my wife is a self-declared CAG widow :eek: .. So.. what interest rate could I possibly (& justifiably) ask ? re: interest on borrowing money personally to close the account a year ago - (i.e. @ 8% it wld be £98.45/ 15.9% ..around £....dunno bout double that) Seems a bit arbitrary.

 

They did ask for more time to get back to me (beyond 14 day pre-lim deadline) so I might grant them that & have a chat saying I would prefer not go ahead with my LBA & would really like them to cover the XX[?]% interest on funds borrowed to close the a/c. etc

??

A&L S.A.R - (Subject Access Request): 40 days up - overdue ! Now received

Co-operative Bank (business): £ 1,008 - settled in full after LBA

 

Lloydstb: £ 387 - settled in full after LBA

 

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If you haven't got the money from a bank and just borrowed from a.n.other, then 8% is as reasonable as you can be. You can't claim compensation for something you haven't lost - Remember, thats what CAG are fighting against the banks for doing in their excess charges so I think if I recommended you going for more then a mod or two might be after me ! But, if you haven't had to pay interest you can hardly say it's a loss can you? No doubt it'll be costing you something over the loaned amount even if it's a few beers so see what you can get. I'd thinkup a reasonable arbitary amount then double it and ask for that - then settle for half! :D

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so I might ask for around 15.9% - (or whatever they normally charge -will check their figures) & settle for 8%, if anything. will speak to them thur/fri - see how it goes.. thanks - I like this..

 

C

A&L S.A.R - (Subject Access Request): 40 days up - overdue ! Now received

Co-operative Bank (business): £ 1,008 - settled in full after LBA

 

Lloydstb: £ 387 - settled in full after LBA

 

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