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    • The defendant in this case is Parcel2Go.com Limited The claimant sent a parcel using Parcel2Go Ltd as a broker and Evri as the shipper via the Defendant's service containing which contained two handmade bespoke wedding trays to a customer with  under  tracking number P2Gxxxxxxxx. The parcel was never delivered although the defendant stated that three attempts had been made to deliver the parcel.  The claimants customer waited in for four days to receive the delivery but no delivery was attempted. There was no communication with the claimants customer.  Despite many web chats and emails the parcel was not delivered and on the Parcel2Go website it stated that the customer had refused delivery. This was not true as no delivery had been attempted.  I was The Defendant informed me that the parcel was being returned to me but after waiting three weeks I was informed by the courier that the parcel was lost. I was offered compensation of £20 + shipping fee which I refused and after sending Parcel2Go a Letter of claim this was increased to £75 which I also refused. The Claimant did not purchase the Defendant's insurance policy as requiring people to pay extra for rights already guaranteed under the consumer rights act 2015 is contrary to section 57 and 72 and therefore unenforceable. The Claimant rejected the Defendant's standard compensation offer. It is clear that the defendant is responsible for the loss of the parcel as they did not act with reasonable care and skill when handling the claimants parcel, contrary to section 49 of the Consumer Rights Act 2015.   By failing to ensure the safe delivery of the Claimant's parcel the Defendant breached section 49 of the CRA 2015.   AND THE CLAIMANT CLAIMS £370.00 being the value of the lost goods £xx.xx being the price of shipping and interest pursuant to s69 cca 1984.   See what BF thinks but I think something like this is better. Remember you are suing P2G not evri.
    • I disagree with the charge and also the statements sent. Firstly I have not received any correspondence from DVLA especially a statutory notice dated 2/5/2024 or a notice 16/5/2024 voiding my licence if I had I would have responded within this timeframe. The only letter received was the single justice procedure notice dated the 29.5.2024 this was received on 4.6.2024. I also disagree with the statement that tax was dishonoured through invalid indemnity claim. I disagree that the licence be voided I purchased the vehicle in Jan 2024 from RDA car sales Pontefract with agreement to collect the car on the 28.1.2024. The garage taxed the vehicle on the 25.1.24 for eleven payments on direct debit  using my debit card on my behalf. £62.18 was the initial payment on 8.2.24  and £31 per month thereafter the second payment was 1.3.24.This would run from Jan 24 to Dec 24 and a total of £372.75, therefore the car was clearly taxed before  I took the car away After checking one of my vehicle apps  I could see the vehicle was showing as untaxed it later transpired that DVLA had cancelled my tax , without reason and I did not receive any correspondence from DVLA to state why it was cancelled or when. The original payment of £62.18 had gone through and verified by my bank Lloyds so this payment was not declined. I then set up the direct debit again straight away at my local post office branch on 15.2.2024 the first payment was £31 on 1.3.2024 and subsequent payments up to Feb 2025 with a total of £372.75 which was the same total as the original DD that was set up in Jan, Therefore I claimed the £62.18 back from my bank as an indemnity claim as this payment was from the original cancelled tax from DVLA and had been cancelled . I have checked my bank account at Lloyds and every payment since Jan 24  up to date has been taken with none rejected as follows: 8.2.24 - £62.15 1.3.24 - £31.09 2.4.24 - £31.06 1.5.24 - £31.06 3.6.23-£31.06 I have paper copies of the original DD set up conformation plus a breakdown of payments per month , and a paper copy of the second DD setup with breakdown of payments plus a receipt from the post office.I can also provide bank statements showing each payment to DVLA I also ask that my licence be reinstated due to the above  
    • You know hes had it when they call out those willing to say anything even claiming tories have reduced taxes on live tv AS Salmonella says: The Conservative Party must embrace Nigel Farage to “unite the right”, Suella Braverman has urged, following a disastrous few days for Rishi Sunak. The former home secretary told The Times there was “not much difference” between the new Reform UK leader’s policies and those of the Tories, as senior Conservatives start debating the future of the party. hers.   AND Goves replacement gets caught booking in an airbnb to claim he lives locally .. as of yesterday you can rent it yourself in late July - as he'll either be gone or claiming taxpayer funded expenses for a house Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - So whens farage getting around to renting (and subletting) a clacton beach hut?   Gove’s replacement caught out on constituency house claim as home found on Airbnb WWW.INDEPENDENT.CO.UK Social media users quickly pointed out house Ed McGuinness had posted photos in was available to rent     As Douglas Ross says he'll stand down in scotland - if he wins a Westminster seat - such devotion.
    • I've completed a draft copy to defend and will post up here for review.  Looking over the dates and payments this all stemmed from DVLA cancelling in Feb , whereby I set up a new DD in Feb hence the overlap, why they cancelled when I paid originally in Jan I have no idea. Anyway now stuck with pending court action and a suspended licence . I am also firing off a letter to DVLa recorded disputing the licence revoke
    • Thank you both for your expert knowledge and understanding. You're fighting the good fight by standing up for people like me and others with limited knowledge of this stuff. I thank you. I know all my DVLA details are good. I recently (last year) renewed my license, and my car's V5 is current with the correct details; the same is valid for my partner. I'll continue to ignore the love letters 😂 and won't let it bother either me or my partner.  I'll revisit this post if/when I get a letter of claim.  F**k ém.
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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
        • Like

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Hi YB,

Unless you relish the 'swishing' sound of wrists being slashed I'd keep stumm! Even if OFT decree a level of fairness and it's greater than zero, it still won't be accepted by many and, hopefully, since the "OFT decision doesn't carry the weight of law" (or so I've been telling banks & CC agencies for years) we'll still challenge?

 

Which is what the substantive issues should do. The first part is whether the OFT can assess the charges for fairness and the secondary issues is identifying the terms and asking for voluntary compliance---not even I think that is gonna happen in a million years, so we will have further litigation to legally determine that. The reason is that if they do not legally determine a fair charge then we are simply going back on ourselves back to July 2007. It has to be decided once and for all. We can't have this merry go round of litigation.

There will be OFT related litigation but the courts must determine the fair charge once and for all on the Substantive Issues part of the case(which hasn't started yet).

 

Do you think the bank has the right to charge for returning a standing order or Direct debit?

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Has a right -or whether its unfair ?

Theres 2 different questions there.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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The process of returning a D/D or S/O is surely totally automated ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Martin3030, i said the question wasn't a trick one. HAS THE RIGHT is the question and not any other subtext to it.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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The process of returning a D/D or S/O is surely totally automated ?

haven't said it wasn't.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Are you expecting CAG users to say yes ?:confused:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Are you expecting CAG users to say yes ?:confused:

Do you have an opinion on the subject matter of the question asked?

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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I have the right to blow my neighbours head off with a sorn off shotgun!

Who is going to stop me doing it? Will he still die if I do?

 

The point is, I'll be (well, if they catch me, it's not like me that, plus some of the other neighbours may well enjoy watching it, but... I digress) caught and brought to justice for my actions. He's still dead. I might go to jail. I might get off on a technicality.

 

The Banks have been blowing peoples heads off for years. They probably do have a right to do it. The Banks are in the docks.

 

So, yes they have a right, but only because we give it to them. If it's unfair to exercise that right, the right will be taken away.

 

I've had too many McFlurries again, haven't I? :(

 

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Well of course-but you asked for a yes/no answer.

That does not allow for an explanation as to why they should or should not have a "right".

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Well of course-but you asked for a yes/no answer.

That does not allow for an explanation as to why they should or should not have a "right".

 

Yes, but no, but yes, but no...

 

And so it goes on...

 

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fair do's martin, why should they have the right or not have the right to charge. Please be aware I am not asking as to the fairness of what they charge since that is still part of the OFT test case. Merely whether they have the right or for the sake of debate should have the right.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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i'll explain, there was an interesting debate on MSE with regards to bank charges.

Bank charges - MoneySavingExpert.com Forums

 

I missed most of it cos I am normally on the reclaims boards so caught this one late but some of them are utter idiots on that thread.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Do you think the bank has the right to charge for returning a standing order or Direct debit?

 

Yes, IMHO they should be able to charge.

 

But that is not the true issue.

 

It is whether they should be entitled to vastly profit from such circumstance.

 

They should be only allowed to recoup any extra cost arising from such an event. Otherwise, if allowed to profit, it distorts the decision making process.

 

If allowed to profit from such an event, then they will be more predisposed to take the profit option, rather than simply the more justifiable recuperation of costs option.

 

Imagine an analogy:

 

The postman tries to deliver a letter to you, but the amount of postage paid is inadequate.

He has two options:

1/ He can knock on your door, and ask you for the difference.

2/ He can instead fill in a card informing you that he attempted to deliver a letter, but as postage was insufficient, the item has been returned to their depot, and to release it you will have to pay not only the difference, but also an extra unexplained fee. He then posts the card instead of the letter.

 

The postman had still only made the same trip, still only been put to the same amount of effort, and still only delivered a single item

 

Would it be justified if the post office had a policy of encouraging the postmen to favour the second option above the first, because it made them more money?

 

Would you feel as if you had received good service, and one worth paying extra for ?

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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I didn't ask the question on price because I don't think anyone on CAG including me would agree that the cost of doing so is fair as it stands today and that includes the Barclays reserve useage nonsense.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Surely the question as to whether they have a right to charge relies on the basis of why-or on what justification ?

The banks claim its in their terms and conditions.

They have been less forthcoming in showing what it actually costs them.

Since the fairness and the right are so interlocked -so they rely on eachother to reach conclusion.

 

Lets also not forget that there are secondary issues,when the bank returns the D/D-its likely that the recipients will levy a charge as well.

Although I know its not part of the question.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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i'll explain, there was an interesting debate on MSE with regards to bank charges.

Bank charges - MoneySavingExpert.com Forums

 

I missed most of it cos I am normally on the reclaims boards so caught this one late but some of them are utter idiots on that thread.

Yadedadeda, this is all the same rubbish Dave and I were answering 3 years ago, the high and mighty I-never-had-a-bank-charge-in-my-life... :rolleyes: You're wasting your breath, YB, these people are so stuck up their own backsides they won't listen to you.

 

(as for "utter idiots", don't venture on the consumer boards there, they're even worse!)

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Yup gawd forgive they should lose their 'free' banking the idiots - they really need a lesson in economics - there's no such thing as 'free' bleeding banking & I don't mean just the charges the silly sods pay for their 'free' banking in many otherways

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Surely the question as to whether they have a right to charge relies on the basis of why-or on what justification ?

Because the pink pixies are dancing in the rain. I thought the question was a no brainer but I guess next time I will go with a long winded one. is this question any easier for ya?

Where there are no funds to cover a payment request and the bank returns the item unpaid, do they have the right to levy a fair fee?*

The banks claim its in their terms and conditions.

They have been less forthcoming in showing what it actually costs them.

Since the fairness and the right are so interlocked -so they rely on eachother to reach conclusion.

 

Lets also not forget that there are secondary issues,when the bank returns the D/D-its likely that the recipients will levy a charge as well.

Although I know its not part of the question.

 

Does the bank have the right to levy a charge for returning a DD/SO unpaid?

My answer is Yes the bank does have the right.

 

 

* please note that I have not indicated what a fair fee is or commented on the current state of play in the OFT test case.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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I Gave 3 Cheques To My Suppliers On The Sat Morn...on The Monday The Bank Terminated My Account..by 3 .00 On The Monday I Withdrew All My Funds...the Following Wednesday The Cheques I Gave Out Were Presented To The Bank ,the Bank Paid These Cheques Out And Charged Me 35.00 Per Cheque For Insufficient Funds ...someone In The Bank Made A Mistake And Paid The Cheques Out When They Should Not Have Done...am I Responsible For Paying Back To The Bank The Full Total Of The Cheques Paid Out By Them And Am I Resposible For All The Accumalating Interest That Went With The Payments...

Patrickq1

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OK, YB, they may have a 'right' but then we're straight into 'fairness'.

Question, will this OFT study for 'fairness' carry any more legal weight (which, as I understand it is nil) than the one they carried out on credit cards?

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OK, YB, they may have a 'right' but then we're straight into 'fairness'.

Question, will this OFT study for 'fairness' carry any more legal weight (which, as I understand it is nil) than the one they carried out on credit cards?

 

I think this is part of the personal current account study, if memory serves me right. The OFT test case is part and parcel of it so yes, but remember the OFT report on Credit card stated "only a court can decide a fair charge" plus it gave UTCCR as the vehicle which consumers can use(that is in the report OFT 842, point 1.14), so the OFT test case result will also have an effect on this as well because they are gonna have to go after credit card providers as well once personal current accounts has been completed with.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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I Gave 3 Cheques To My Suppliers On The Sat Morn...on The Monday The Bank Terminated My Account..by 3 .00 On The Monday I Withdrew All My Funds...the Following Wednesday The Cheques I Gave Out Were Presented To The Bank ,the Bank Paid These Cheques Out And Charged Me 35.00 Per Cheque For Insufficient Funds ...someone In The Bank Made A Mistake And Paid The Cheques Out When They Should Not Have Done...am I Responsible For Paying Back To The Bank The Full Total Of The Cheques Paid Out By Them And Am I Resposible For All The Accumalating Interest That Went With The Payments...

Patrickq1

 

Yes because you issued the cheques prior to the account being terminated. If the cheques were guaranteed then yes as well. However, had the bank said that the cheques would not be paid but cancelled and you needed to make alternative arrangements with the people you had paid money to, then the answer imho is no since it was a bank error.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Does the bank have the right to levy a charge for returning a DD/SO unpaid?

My answer is Yes the bank does have the right.

 

 

* please note that I have not indicated what a fair fee is or commented on the current state of play in the OFT test case.

 

 

Why? It's not as if it's doing anything of value is it

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I Gave 3 Cheques To My Suppliers On The Sat Morn...on The Monday The Bank Terminated My Account..by 3 .00 On The Monday I Withdrew All My Funds...the Following Wednesday The Cheques I Gave Out Were Presented To The Bank ,the Bank Paid These Cheques Out And Charged Me 35.00 Per Cheque For Insufficient Funds ...someone In The Bank Made A Mistake And Paid The Cheques Out When They Should Not Have Done...am I Responsible For Paying Back To The Bank The Full Total Of The Cheques Paid Out By Them And Am I Resposible For All The Accumalating Interest That Went With The Payments...

Patrickq1

 

I think the answer to that is straightforward. You wrote out the cheques before the bank terminated your account. The cheques amounted to instructions to your bank to pay your suppliers on demand. (Section 73 of the Bills of Exchange Act 1882 says: A cheque is a bill of exchange drawn on a banker payable on demand.) They pre-dated the closure of the account and so the bank was entitled to comply with the instructions assuming of course you did not countermand them. All the conditions of your contract with the bank on the date you wrote the cheques apply. You wrote the cheques with the intention that the bank should pay them. Whatever you think of banks, it cannot possibly be right that your suppliers got paid as you intended but that you should not reimburse your bank. You would be unjustly enriched. Your only possible argument is that the bank had standing instructions not to let your account go into the red.

 

Further, since you withdrew the funds with the express intention that the cheques should not be met you run the risk of being charged with a criminal offence. Did you inform the suppliers there was a problem and tell them you would make immediate alternative arrangements to pay them?

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Your only possible argument is that the bank had standing instructions not to let your account go into the red.THIS WAS THE SITUATION....

problem arose when they returned a cheque i had paid in with a single line statement account terminated and returned with it was the cheque i had paid in on the previous friday.....

patrickq1

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