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    • I'm afraid that if the value of the item was under declared then that is probably the best that you can hope for. Also, because the item was incorrectly addressed – even by a single letter, if that because the issue relating to the delivery then that has probably compounded the problem. There is probably very little that can be done. If you are lucky you will get the item back and then you can start again and declare it properly. Undervaluing parcels which are sent by any means is always going to cause a problem if the item is lost or damaged. It may mean that the cost of delivery is slightly less – but at the end of the day the risk becomes yours. When you enter into any kind of contract, effectively you declare it a level of risk to your contracting partner – and they decide to enter into the contract with you based on that level of risk. You have declared a level of risk and £50 – and that's the deal.   Additionally, undervaluing an item which is an internationally has the effect also of evading customs and any VAT system which is in force in that country – and that makes the whole thing a little bit more serious
    • Perfect. Nice and brief and to the point. You don't bother to start telling your life story. Just the way it should be. Send it off. You have probably done enough reading to understand that it won't make any difference don't start drafting your particulars of claim. Open an account with the MoneyClaim County Court system and start preparing. Post your particulars of claim here before you click it off. You may have noticed that at some point you will be asked if you want to go to mediation on this. We used to advise it but now we recommend that you decline mediation and go to trial. Your chances of success are much better than 95%. Going to trial will incur an additional hearing fee but of course you will get that back. However if you go to mediation, they will simply try to penny pinch and to get you to compromise and also they will sign you up to a confidentiality agreement and probably threaten you if you breach it. Not only that, if the mediation fails because you stand your ground, it will add additional delay while they then give you a date to go to trial. The best thing to do is to decline mediation – prepare for court hearing. Pay the extra fee. The chances are that rather than get a judgement against them they will then offer you a full settlement rather than go to court. If they do offer you full settlement then you will be obliged to accept it – but that's what you want. If they don't offer you full settlement then you will go to trial and there will be a judgement against them. Just so that you understand, our first interest is that you get your money back – but a close second is that it does go to trial and there is a judgement which we will then be able to use to help other people. Anyway as you should realise, we will help you all the way.
    • I sent a parcel to Singapore but i spelt the address incorrecltly by 1 letter so the parcel couldnt be delivered and was returned back to the Uk but checking the tracking today the parcel had returned to the UK but is somehow on its way back to Singapore as the tracking says "Item leaving the UK"    Ive spoken ( tweeted) Royal Mail help who confirm that the parcel seems to be going back to Singapore and that if its not " Delivered" by the 29th of April theyll deem it as lost and will accept a claim but i cant remeber when booking what the compensation amount was but i dont think it covers the amount of the item.  As it was my fault that it wasnt delivered in the first place can i trey and claim the full amount back ? i think if i remember correctly it was £50 compensation but the item was £170 So the timeline is thus ...   22nd Of March .    Booked via P2G & dropped off a Post Office.  25th March arrives in Singapore and goes through customs ect ect 26th   Incorrect address and item is flagged as "return to sender" 28th Item leaves Overseas intenational processing centre 15th of April , Item is leaving the Uk (Again)   ?    
    • Post the NTK up here for the regulars to double-check. I highly doubt it's compliant with POFA though. Ignore the deforestation that comes unless it's ever a letter of claim. Any luck with the organ grinder?
    • Probably the case @lookinforinfo Also an update, I've got the registered keeper letter. Just to check that I continue to ignore it until PAP letter comes in?
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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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John B vs Halifax


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Hi everyone,

 

Im about to start on the road, to hopefully get my cash back off these swines!

 

I put in for my statements going back 5 years (since i opened the account) towards the end of may. It was confirmed that the money (£5) was taken out of my account on the 6th of june. 20 days later i called up to see where they were...they had apparently sent them but they never turned up...several envelopes-worth, over several years, and not one arrived?

 

I complained and they said they would re-order them, taking a maximum of 10 days from the 26th. I have just called, and after a very long silence, 'mike' said 'there was a queue', and the statements will be sent a maximum of 10 days from the 29th!!

 

So has the stalling taken place already? Naively i have been transparent in my need for the statements, so they know exactly what they will be used for...

 

Anyway, here we go, the first tentative steps...:)

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Hi John,

 

Just remember they have 40 days to comply with a Data Subject Request so dont let them dictate the timescale..certainly that is also the advise on this site...

 

As long as within 40 days they are not committing any offence under the DPA.

 

Good Luck

 

xx

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now they have said that the information needs reordering again!

 

i demanded a proper explaination, and they told me that, due to my having over 900 transactions on the account, the system doesnt/cannot send the information out. The person i subsequently spoke to towards the end of june didnt know this, couldnt see any error, and ordered the statements in the same way.

 

hence the same problem.

 

they have now exceeded the 40 day limit from my first request...although i didnt put it in writing, doh!

 

after speaking to karen @ the glasgow business centre i will now get a phonecall on monday confirming the 'account report' they will send me, along with the statements. This account report contains lots more detail, so they say...but i aint saying anything till they call and confirm.

 

so anyone else facing excessive delays in getting your statements? call the business centre, as it may be the number of transactions on the account holding you back!

 

then again, it may be a load of flannel, and the halifax are simply stalling. who knows...

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I think the moral of the story here is to make sure everything is in writing!

 

It might seem like a shortcut, and for some it is... but then there's ones like this who have to wait months.

 

Cosyne, I'm not trying to single you out as your not the first and you certainly won't be the last. I just hope your experience will show others that the FAQ's and template library are there for a reason.

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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absolutely, totally agree with you.

 

i actually heard of the recent ruling by the oft elsewhere, and applied for my statements back in mid/late may...BEFORE coming to this site.

 

Cheers

 

John B

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right then!

 

got Dawn to print my statements off at last! arrived today, so here we go, only 300 quid but thats a fair bit for me:)

 

lets 'ave it!

 

*trundles off to the FAQS with a beer on the go*

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I'm no expert, but I would send the prelim by special delivery. Then there's no chance of them saying it hasn't been received. It costs £4.10 to send it, but at least you get peace of mind.

With an email, it could just get ignored/deleted and you won't be able to prove receipt.

 

Laura

Abbey Prelim Letter sent 16/06/06 - LBA sent 30/06/06 - MCOL served 22/07/06 - Acknowledged 26/07/06 - Defended 16/08/2006 - Settled 20/09/06 :o

Abbey 2 Prelim Letter sent 22/09/06

Abbey 2 LBA sent 9/10/06

MCOL 03/11/06

Cap One Prelim sent 28/06/06 - LBA sent 13/07/06

MCOL served 05/08/06 - Acknowledged 02/08/06 - Served 05/08/2006 -Settled in full 22/08/06 :D :D

Halifax Prelim sent 03/07/06 - LBA sent 17/07/06

MCOL issued 03/08/06 - settled in full 09/08/06 :D

MBNA S.A.R sent 21/08/06 Settled 21/09/06 :-o

Morgan Stanley S.A.R sent 29/09/06

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  • 2 months later...

hi everyone!

 

sorry its been so long. they offered me 183 quid out of 300, and i was skint, so took it!

 

the thing is, i signed a form for 'full and final settlement'.

 

i had a direct debit due out on 14th, and a cheque clearing on the 14th, and a halifax employee told me i was covered.

 

the debit was applied for on the 13th instead, costing me 39 quid. but they say as i settled previously i cannot claim this back. is this true?

 

thank you for any advice.

 

donation is on its way too;)

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