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    • Hi there   thank you for the reply. No, it's not a silly question at all. I am convinced I didn't hit anything with my car. I was going very slowly and it was the guy standing next to his lorry in the road who punched and kicked my car as I went by. It's cause I saw him do it in the mirror.  I initially thought he did it because he thought I was passing him maybe too closely whilst he was messing around with his lorry ?  That's why I stopped and got out and asked what he thought he was doing hitting my car. He then just hurled abuse at me. Not making any accusations such 'you hit me' 'you hit my lorry' or you did this or that. He just swore and shouted at me. At which point I said I would be making a complaint to his company for his threatening behaviour and vandalism for punching my car. I went to my car , got my phone to take a photo of his number plate but then he came towards me again and I thought if he now hits me I am going to come second. I am a woman in her mid 50s travelling on her own and this guy looked like a Millwall football supporter (short, rotund, skin head) so I decided to leave this situation. I got back in my car closed the door and drove off before he could reach me.  I later checked my phone and noticed the photo was too blurred, as I turned and rushed back to my car too quickly before the camera could focus. So I thought it was pointless making a complaint as the guy couldn't be traced anyway, so I forgot all about it until yesterday. But this is all I can think of, it must have to do with this incident as it is in the same street.   
    • Please read the following thread very carefully. It is extremely relevant where you are suing Evri on the basis of a contract which you originally made with Packlink who are domiciled in Spain. A judgement has been obtained and we have applied for transcript and it will be put up on this thread as soon as we receive it probably about the end of July. In the meanwhile, read this thread, see what has been discovered about the Packlink/Evri/customer relationship and look at the witness statement very carefully. It's a long thread but don't give up. Once you have the transcript of the judgement, then I will do a more careful and explanatory post here   https://www.consumeractiongroup.co.uk/topic/459707-evri-lost-my-ebay-parcel-£844-court-claim-issued-judgment/
    • So if the breach occurred say Dec 2017 (first missed payment) and the default notice was issued Sept 2018 and the claim was issued 7th June 24 the claimant will of course be arguing it is within the limitation period (by 3 months)
    • Yep, I would  have brought up the other things like asking for their contract and receiving no response etc. but the mediation phone calls were rather short. Evri just said the contract was not with them (i said 1999 act response etc.) and the goodwill offer thing. Whole process took about 10 minutes in total. Seems like they don't even want to negotate in mediations anymore. "they're only given a certain amount that they can agree to in mediation per day" I mean its hard for me to say if thats the mediator paraphrasing or aa direct quote from evri I will look through that thread and share what I find, also for what its worth I also have everything I made for the previous claim WS and bundles etc. that I can tweak for this parcel, since it did go almost all the way to court and is a virtually identical case. that + this new stuff you shared above should be helpful to me
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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.

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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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RBS CCA request refused due to CCJ


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Why is it on these letters that we are sent, they refer to 'these charges have been processed in accordance with the Terms and Conditions of our agreement with you, in the event that YOU breach the Terms and Conditions we will take the appropriate action'?

 

But WHERE ARE THE TERMS AND CONDITIONS?

 

We didn't even know these accounts existed!!!

 

So what about this response....

 

 

Dear Banky People

 

Without the original contract for any of our accounts and relevent paperwork from Retail Credit Services, Drummond House. Please explain how you know that these accounts were being administered in accordance with the banks T&C's?

 

Also, please provide us with a copy of the Banks T&C's which states that you can do the following:

 

1. The Bank can close a Current Account without the customers prior knowledge or consent.

 

2. The Bank can create NEW 'Capital and Interest Loan Accounts' without a customers knowledge or consent.With a made up overdraft. (just press the £ sign and enter random numbers).

 

3.The Bank can provide to it's Solicitor a document which implies that the NEW Loan Accounts are subject to guarantee that was discharged 2 years previously.

 

4. The Bank can provide to it's Solicitor data in connection to an AOE that is totally incorrect and then LIE about it when confronted.

 

5. The Bank, when applying for a CCJ does not have to provide either to the Courts or the Defendent accurate information.

 

6. The Bank does not have to comply with the Insolvency Act 1986. It can add Charges and Interest during the IVA regardless of the LAW.

 

7. The Bank can withdraw money from a customers account that is in credit without their knowledge or consent.

 

8. The Bank can apply 80% interest instead of 8%, call this an error if found out, and refuse to explain why.

 

9. A 'Debt at Transfer' does not have to be correct. It is acceptable to take 'data from an incorrect screen'.

 

10. The Bank can take legal action against the Customer and then deny having any documents about it.

 

11. The Bank can withhold Statements from a customer. Denying them knowledge of the way we are messing with their accounts. We can have their statements sent directly to Head Office in Scotland or we could ask 'Sarah to hold on file'

 

 

What do you think?

 

D & D

 

:cool: & :p

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I would ask them to provide you with their relevant terms and conditions that relate to your account/accounts.

 

I quote my MP in a letter to Sir Tom - RBSs Chairman.

 

"Is it RBSs normal business practice to create and change accounts, including significantly the terms that attach to them, without informing a customer or seeking their agreement"

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An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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I would ask them to provide you with their relevant terms and conditions that relate to your account/accounts.

 

I quote my MP in a letter to Sir Tom - RBSs Chairman.

 

"Is it RBSs normal business practice to create and change accounts, including significantly the terms that attach to them, without informing a customer or seeking their agreement"

 

 

Paul

 

This is very interesting as we didn't even know these new accounts existed. Did your MP get a response?

 

D

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Paul

 

This is very interesting as we didn't even know these new accounts existed. Did your MP get a response?

 

D

 

Yes the RBS aren't bothered who they mislead.

 

My MP forwarded the bank's latest response last month in which it is admitted that my accounts were set up incorrectly as a "different type of recovery account"

Edited by paulwlton

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Does this make sense.

 

 

 

 

 

Thinking back to when I worked in the banks as a Financial Adviser in the early 90's, this 'moving' of debt accounts went on all the time. Although I wasn't involved in day to day banking, I did keep my ear to the ground as to what things went on.

 

I clearly remember a case of a high overdraft on one account, where the account holder was not repaying anything or was not in a position to repay it.

 

The branches were put under pressure to keep dormant overdrafts to a minimum. Branch managers were targetted on their 'net balances' of the branch . A large dormant overdraft would have an effect on the net balance of the branch and would leave the manager open to some awkwad questioning from head office.

 

At the same time, they were targetted on sales of personal loans.

 

So what do you think happened to large dormant overdrafts???

 

It was a case of branch managers killing two birds with the one stone. Net balances increased due to the 'removal' of the overdraft and the lending book increased towards their sales target.

 

All this was done as a 'paper exercise' without the knowledge of the debtor, and no consideration given to the CCA or any repercussions. If the fantasy loan wasn't repaid, then the banks went for judgement, and the poor debtor in those days who didn't know their rights were screwed.

 

The reverse also happened, there were instances where current accounts were opened and put into overdraft, and unauthorised overdrafts were increased if the branch had a good net balance figure - to cover the fact that a loan granted had not been repaid, as the manager would also be questioned about loans with 2 or more consecutive missed repayments. This would make it look like a PL granted by the manager, was continuing to be repaid every month and would not show up on any reports. The overdraft would not be questioned for some time if the branch had a good net balance figure. Again these new accounts were set up without the knowledge of the debtor. I suppose money laundering regulations have made this more difficult now? Or maybe not?

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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my oh my.. I have an account with Halifax which I will now be closing.

 

Subbing with great interest.. Hope you win D&D, I am pursuing them for their utter inability to do ANYTHING correctly.

 

Gives me renewed perseverance to prove what utter lobotomised gibbons they are!

Edited by adzya

adzya Versus:

 

Nationwide Bank Charges & Loan PPI

Amazon.co.uk/Halifax Charges

Cr@pitall One Charges and PPI

First Direct Bank Charges

Vanquis Visa Charges

GMAC Default notice & PPI

Halifax Bank Charges - S.A.R Request To Be Sent.. Switching Accounts First! ;)

 

Hope I provide useful info and help, if I do please feel free to tip my scales!

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Any more progress to report DandD? Am rooting for you! :)

adzya Versus:

 

Nationwide Bank Charges & Loan PPI

Amazon.co.uk/Halifax Charges

Cr@pitall One Charges and PPI

First Direct Bank Charges

Vanquis Visa Charges

GMAC Default notice & PPI

Halifax Bank Charges - S.A.R Request To Be Sent.. Switching Accounts First! ;)

 

Hope I provide useful info and help, if I do please feel free to tip my scales!

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Had a letter from the bank this morning.

 

Apparently, all departments will not be getting back to us directly as they have been told to brief Sir Freds office who are doing an investigation themselves!!

 

Let's wait and see.

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Wish you all the luck you deserve guys.. hope it all gets resolved before long.

adzya Versus:

 

Nationwide Bank Charges & Loan PPI

Amazon.co.uk/Halifax Charges

Cr@pitall One Charges and PPI

First Direct Bank Charges

Vanquis Visa Charges

GMAC Default notice & PPI

Halifax Bank Charges - S.A.R Request To Be Sent.. Switching Accounts First! ;)

 

Hope I provide useful info and help, if I do please feel free to tip my scales!

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Hi D & D,

 

Gosh - what an awful mess - as if you didn't have enough on your plate when things went t*ts up with the business....

 

Something struck me as odd when I read posts in page 1 and page 3, I have repeated them out of sequence here to see whether anyone else spots a connection or whether I am just being paranoid!!!!....

 

Post 45 - Unexplainable (by the banks) comment on "Diary Event History Log"is the first date, Post 20: Interest of 80% charged throughout 2000 and not spotted until 2001 is the second date....

 

26/01/00: "Validation agreed - WR part funded 57.26%"

06/03/01: "...branch have incorrectly keyed 80% as opposed to 8% when carrying out validation"

 

Sorry guys I do not believe in coincidences, I find it odd that they note in 2000 that validation is agreed and that the "WR" is part funded 57.26%, then throughout 2000 80% interest is charged....come on....they are trying to pull the wool over someone's eyes here..... I would be asking to see the auditors accounts particularly as 57.26% could not be explained away as a simple keying error...and I would be asking, and wracking my brains, as to what a WR could refer to....

 

Jody

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Jody123

Please note I have no legal training - the information I have has been gleaned from too many hours on this site! :-)

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Maybe its World Record for highest interest Rate. Seriously though I find these two entries very very disturbing...Whole R**** - Whole Rate, Whole Record maybe Are there no former employees, or indeed current ones, that could explain what a WR is?

Jody123

Please note I have no legal training - the information I have has been gleaned from too many hours on this site! :-)

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Wanton Recklessness? :D

adzya Versus:

 

Nationwide Bank Charges & Loan PPI

Amazon.co.uk/Halifax Charges

Cr@pitall One Charges and PPI

First Direct Bank Charges

Vanquis Visa Charges

GMAC Default notice & PPI

Halifax Bank Charges - S.A.R Request To Be Sent.. Switching Accounts First! ;)

 

Hope I provide useful info and help, if I do please feel free to tip my scales!

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