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    • Is the letter headed Letter of Claim/before Claim or similar? If not, it sounds like more of the threatogram chain. If you're not sure, post up an anonymised copy of the letter and we'll check. HB
    • So guess what, we have received a final demand letter for £100. It states if payment is not made by 11/06 they will have no option but to forward the case to their litigation dept with a view to commence County Court Proceedings. So just wondering if anyone has any advice. Do we ignore this? or do we need to take action? Thanks 
    • hi dx, thanks for helping just re-reading everything this morning and I must have missed this one from uncle in his thread "What you should not do, is not contact the Banks and simply default on payments. "  are you in disagreement with this based on your last sentence?
    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took photos (3 separate photos as its 3 separate deliveries) of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else, other than a small piece of the pavement and a little weed, which doubly confirms it was outside my door as I can see the same plant), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? I have quite a lot of deliveries handled by Evri (not out of choice) - They used to have a fantastic chap and I rarely had any issues.  He has been replaced by a new guy and I believe the route is handled by this same guy who I believe has taken my packages.  Naturally, I fear this is going to happen again in the future if no investigation occurs. Appreciate any assistance - Thanks for reading. Al.  
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      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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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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Scottish jurisdiction - from Mike Dailly, Govan Law centre


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these are the 2 main reasons I went to an English court. If you split a claim the defendant could complain that the 2nd claim you made should have been included with the first and the judge could prevent you from doing a 3rd against that bank. If it is a joint account you could do 2 in each name.

 

The other reason for England is you can do a claim for upto 6 years totalling £5k all as an individual no solicitor required. Only problem is you may have to attend court and the nearest is eiher Carlisle or Berwick.

 

I have claimed over £10 k from both nationwide and HBOS in an English court without too many issues but they could challenge jurisdiction as you are in Scotland, but I do have a plan should that happen.

If I have helped click my scales....

 

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  • 1 month later...

Hi i live in scotland and sent letter to RBS 3 weeks ago asking to refund bank charges totalling £1,400.00 stating that they had 14 days to reply. I have still not heard from them. Please could anyone give me advice on what to do next as i am confused about how the scottish court system works and what the next stage should be!

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Hi i live in scotland and sent letter to RBS 3 weeks ago asking to refund bank charges totalling £1,400.00 stating that they had 14 days to reply. I have still not heard from them. Please could anyone give me advice on what to do next as i am confused about how the scottish court system works and what the next stage should be!

 

I take it that is your prelim letter to them. Send them Letter Before Action next. Here is a link, good luck.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

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Hi everyone

 

Just gone through 6 years worth of statements from BOS and have arrived at a grand total of £8915 before interest!!! Obviously going to progress to the next stage but, despite the FANTASTIC advice on here, I'm still a bit confused. Obviously living in Scotland and having a bank with its head office in Edinburgh I'd rather not pursue things through the small claims here, because of the £750 limit and the fact that some sheriffs seem to have cottoned on the the 'trick' of making a few claims to get round this limit.

 

I have family living in Cumbria and don't think it would be a problem to use their address for legal correspondence, or for me to travel to Carlisle for court dates if necessary etc BUT......do I have to change to English address with bank NOW and maintain my account 'from there' from now on or can I wait until I'm starting proceedings (hopefully won't come to that, fingers crossed!) ;). I'm going to be sending my initial request for payment letter in the next couple of days....so can I continue with my own Scottish address for now then change to English address if necessary?

 

Hope that makes sense.....it does in my head but not so sure now I read it back!!!! :rolleyes:

 

Thanks guys....really helps knowing there are SQUILLIONS of us fighting back! :-D

 

Jacqui

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You only need a correspondence address in england for court documents so i've just opened an account with "mail box etc" in preston whose address you can use when filing your claim with MCOL and they then forward all mail up to you. You dont have to change your address details with the bank.

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

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Thanks for that Stornoway....I had a feeling that would be the case but it's always better to check I think. Don't like to leave anything to chance with these guys!!!

 

Jacqui

At this point I would just use my scottish address, but serve the papers on the Halifax head office in England. I did this and so far they have sent my half (£5000) of what they owe me. They had no issue with my scottish address or me picking the head office (that is where most of my communications came from anyway).

 

I have set up a postal address in England for £50 and the firm send me a scanned copy of any letter I receive (50p) per page of a letter. You are more than welcome to use this address (so long as you pay the scanning costs ) should you actually have the jurisdiction challenged (which I doubt) .

 

My opinion is just go for it.

If I have helped click my scales....

 

Find my threads by clicking here

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Hey, guys im about to send off my request for SAR to halifax. Is it standard for people to ask for the 6 years of charges to be reimbursed only to drop to 5 if it goes to court? And is this permissible to change this half way through your request? Just want to get it right first time! thanks for any help :D

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Evening all. First time post, found this excellent forum through moneysavingexpert. I'm about to embark on the process to reclaim my charges and this is how I think I'll need to go about it, please correct any omissions. Claiming against Abbey btw. I have my statements from 1999 and a quick scan of them leads me to believe I'll have about £6k of charges to claim back Abbey are based in England and I'll check which the ruling law is for the account. - First letter requesting payment of six years of charges along with details of all the charges. - If nothing, 14 days later second letter threatening legal action - If nothing (or unsatisfactory offer) set up mail box in England and serve papers from there. I'd be willing to travel for a court date in England if I could offset the cost against the full amount I can claim back. Have I missed anything/any other advice? I'll keep you posted and probably be back for more advice along the way :) TIA Doug

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  • 4 weeks later...

Hi I'm new to this forum and desperate for advice. I have sent the correct letter requesting statements to lloyds tsb (recorded delivery) and reckon I'm due about £4000.00 in charges. What's my best way to go about claiming them bank is it via court here or England and how do I do it?

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  • 2 weeks later...

I am claiming against LTSB, however their T&Cs state that for accounts opened in scotland then scottish law applies.

 

Does this preclude me from taking them through the English systems?

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