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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • blfuk1
      Bailiffs employed by private companies do not possess the authority to arrest, restrain, or detain individuals.

      By blfuk1 · Posted

      I doubt HMCTS holds any data on whether arrests by AEAs required police assistance.  They couldn't or wouldn't provide data on how many of warrants issued were successfully executed - just the number issued!  In my experience, arrest warrants whether with or without bail are [surprisingly] carried out with little or no fuss.  I think it's about how you treat people - a little respect and courtesy goes a long way. If you treat people badly they will react the same way. Occasions when police are called to assist are not common and, having undertaken or managed many thousands of these over the years, I can only recall a handful of occasions when police assistance was necessary. On one occasion, many years ago, I arrested and transported a man from Hampshire to Bristol prison on a committal warrant. It was just me and he was no problem. I didn't know the Bristol area (pre Sat Nav) and he was kind enough to provide directions - seems he knew the prison.  One young chap on another committal warrant jumped out of his back window and I had to chase him across several garden fences.  When he gave up (we were both knackered) I agreed to drive by his girlfriend's house to say farewell for a while.  I gave them a few moments and he was fine. The most difficult are breach warrants but mainly in locating the defendant as they don't want to go back to prison - can't blame them.  These were always dealt with by the police until the Access to Justice Act transferred responsibility from them to the magistrates' courts. The fact was the police did not actively pursue them and generally only executed them when they arrested someone for something else and found they had a breach warrant outstanding.  Hence the transfer of responsibility.
    • dx100uk
      Court Claim Timescales Question

      By dx100uk · Posted

      thats down to mcol making that option available for you to select, you cant force it. typically if there are known processing delays at northants bulk it will be atleast 14 days later if not more.
    • whitelist
      Court Claim Timescales Question

      By whitelist · Posted

      Thanks   Noting the day to apply for default judgement if necessary
    • dx100uk
      MFC The Sofa Store - New sofa + chairs not what expected - Refund possible?

      By dx100uk · Posted

      nope, as the display model was not the colour the customer wanted. but your question is totally immaterial anyway as custom built doesn't come into it. dx
    • dx100uk
      Court Claim Timescales Question

      By dx100uk · Posted

      as long as aos is done by day 19 from the date on the claimform they get a total of 33 days to file a defence. (whereby the date top right on the claimform is ONE in the 33 day count) dx  

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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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.

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      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Advice please for nephew - banks acting irresponsibly?

joneseyblod

By joneseyblod
in General Debt Issues

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2Grumpy

2Grumpy

Posted
Posted

Your nephew should attempt to claim on the PPI because he is ill. When that fails, he should demand a refund based on it being mis-sold due tis being on benefits when he took it out and they were aware of his situation.

 

He should also request a refund of the platinum account charges as he was mis-sold the account. It was obviously the wrong type of account in the circumstances. I have managed to get a refund of these charges in similar circumstances.

 

He should also request a refund of any charges on the current account & credit card at the same time. I managed to get these refunded for my son whilst giving the bank a kicking over mis-selling.

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bazaar

bazaar

Posted
Posted

Hi Jonesy

Tell your nephew to try and stop worrying about their threats. He does not have to speak to these people. Keep everything in writing. You should be able to claim ALL the PPI back because of his circumstances at the time of account opening.

He was certainly missold the Platinum account because if he was on benefits, their policies would exclude him due to a very long list of medical reasons. (Page 29 of their policy docs). His illness is probably there.

You'll have to wait until you get the SAR back to determine what you will claim back. But a letter to them to put the account into dispute wont go amiss.

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2Grumpy

2Grumpy

Posted
Posted

I would get your nephew to sign a blank piece of paper (or one with a watermark type background so that it can't be copied & photoshopped without it being obvious) so that you can sign letters on his behalf. I have a disabled friend who uses an inked stamp as his signature - I don't see any difference.

 

I would try a letter along the lines of:

 

Your nephew's address

 

date

 

Re account xxxxxxxxxxxxxx

 

1. I require you to talk to my uncle (tel xxxxxxxxx) of

who will assist me in dealing with the problems with my account.

 

2. This does not indicate any financial association between my uncle and myself

 

3. I require all communications regarding my account to be in writing only

 

Yours faithfully

 

your nephew's signature

 

Then see if they ignore his written instructions

 

If they do, with NatWest, I rang their head office and asked to speak to the MD. When they asked for his extension number, we talked for a minute about the cirumstances & what I wanted to achieve & they put me through to the "executive office". A chap listened, took notes, took my telephone number, said that in the circumstances, someone would ring me & resolve the situation. They did. I gave my mobile number because I can record calls on it. I still have the recording, just in case.

 

It would not have worked out as well as it did if I hadn't sent my first letter - it was the request for writing only when their debt recovery dept was telephone only, plus my pointing out that it was in the OFT debt collection guidance, that made them go a bit further.

 

Currently my son is paying £5 per month, no interest, no telephone calls. (Actually I am paying. He got in this mess because he couldn't cope with getting something done the same time each month)

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2Grumpy

2Grumpy

Posted
Posted

We did today receive a strange letter from TSB advising of "recent request for copies of statements on your account to enable you to reconcile your bank charges" and that they will be sent in 40 days.

 

There is no telephone number, and the address refers to a copy statement unit. Do hope that more than just statements is given under the Subject Access Request as a lot more than that was requested!

 

Do you have a template letter for account in dispute letters at all please?

 

If all you asked for is a copy of statements, that might be all you get. I think that the template on this site just asks for statements. If you used the request from the information commissioner's site, you should get everything.

 

An account in dispute letter is just a letter saying that along with the reasons why.

 

your address

 

Account number: xxxxxxxxxxxxxxx

 

Dear Sir

 

Account in dispute

 

My bank account no xxxxxxxxx is in dispute for the following reasons

 

1. I was mis-sold PPI because of pre-existing conditions known to the bank at the time

2. I was mis-sold the Platinum Account. It was obvious to your staff at the time that I opened the account that I would not benefit fro any of the features of the account and that an ordinary account would have been more appropriate

3. That you have applied charges to the account that are unfair

 

I expect a full refund of all of the charges incorrectly or unfairly applied.

 

Yours faithfully

 

Your nephew's signature

 

 

 

You might want to add more. Keep the numbered points short. If you need to elaborate, put it below the numbered points

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