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    • Hi, I've been reading the invaluable advice on this forum and reading about the problems with Evri and lost delivery of items.  From what I gather the initial steps after having exhausted every's own lost item claim process is to draft a Letter of Claim, I think it is called and to register with the government Money Claims.  I have got a login for Money Claims and have made an initial stab at the letter but I'm not certain I have got it right. Am I right to assume that having exhausted Evri customer service's claims process and having received the denial of any compensation because the laptop I was sending is on the non-compensatory list that my next step would be to send the Letter of Claim to them? Let me provide some basic details which I hopefully have addressed in the letter. I purchased a laptop through Amazon.co.uk which a business in Belfast sold refurbished laptops through.  They had a 30 day money back guarantee for a full refund if you have any issues with the laptop.  I have the invoice from Amazon showing the purchase.  On 27 April, 2024 before the end of the 30 day period I used their ParcelShop (inside a Tesco) to send the laptop back and have the tracking reference mentioned in the letter.  As mentioned in the letter there was they advised they could not give me or sell me any insurance because laptops are on the non-compensatory list so I just paid the normal delivery cost.  It was scanned as leaving the ParcelShop on 29 April and the tracking has been like that ever since.  After a 28 working day Evri claim process they gave the expected response that they could not provide any compensation and simply could not proceed with my claim. I was hoping to get some advice on whether I go ahead now and email this to Customer Services straightaway and should I send a hard-copy to the Evri address as well?  Or are there any steps I have missed out on first?  I believe 14 days is the reasonable period of time for them to respond so if I were to send it tomorrow, for example 12 June then I should expect a reply by 26 June, is that correct and fair?  And assuming they don't reply with a full refund then I would then go down the government Money Claims site to proceed with that? Sorry for all the questions, I want to make sure I go about it properly.  I'll continue to read through other cases on here so I can get an even better handle on the process. I attached a LOC, happy for any edits or updates that will make it even better. Thanks so much for anyone's help! Regards, Matt Evri letter of claim.docx
    • The date was 3 June. Get on MCOL now. The legal principle is that, even if you defence is late, if the other party hasn't requested judgement, then your defence takes priority and is accepted. You might be in time. When I say now I mean now.  Recently we had someone who was nine days' late and this was pointed out to them at 5:30pm.  They faffed around till 11pm.  When they went on MCOl they saw that judgement had been entered at 7pm. Every minute is vital. File the below standard defence if you still can - 1.  The Defendant is the recorded keeper of [motor vehicle]. 2.  It is denied that the Defendant entered into a contract with the Claimant. 3.  As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance.  The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner.  Accordingly, it is denied that the Claimant has authority to bring this claim.    4.  In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5.  The Claimant is attempting double recovery by adding an additional sum not included in the original offer.  6.  The Particulars of Claim is denied in its entirety.  It is denied that the Claimant is entitled to the relief claimed or any relief at all.
    • Hi friends,  I’m a bit worried I may have got confused with timings here. I thought I had 33 days from my acknowledgment to submit a defence but the date added above says 3/6/24.   have I missed the date?   if so how can I apply for an exception due to my disability and problems with deadlines and dates etc (ADHD)?   what should I submit as a defence?   I’ve had no reply from BW so far    just been back on MCOL and it says 28 days from service if I completed an acknowledgment of service so does that mean 28 days from that of acknowledgement (I.e. 16/5) which would make deadline for defence 14/6?   Thanks! Panicking here.
    • Normally we don't advise playing your cards early in a snotty letter, but as you have appealed we might as well use what you wrote in the appeal against them. There is no rush, you have until 6 July to get it to them.  See what the other regulars think too. How about something like this? -   Dear Rachael & Sean, cheers for your Letter of Claim.  I rolled around on the floor in laughter at the idea you'd actually thought I'd take such tripe seriously and would cough up! As usual you'll have been too bone idle to do any due diligence.  Had you done so you would have seen that I appealed to your client.  Indeed the driver on the day is a textbook example of having done exactly what you should do when you do not wish to be bound by the T&Cs in a private car park. Of course none of that mattered to the spivs you represent but do you really want to put such a useless case in front of a judge? To be fair, your clients are very useful members of the human race - as comedians.  How I loved the page turner of their antics at The Citrus Building in Bournemouth.  It was chuckle after chuckle reading about them, letter after letter, month after month, insisting they were legally in the right, even through someone who had done just the first day of a GCSE law course could have told them they weren't.  Until the denouement - BOOM - an absolute hammering in court.  In fact - SLAM, BANG - managing to lose twice against the same motorist for the same car park in front of two different judges. Your client can either drop their foolishness now or get yet another tolchocking* in court where I will go for an unreasonable costs order under CPR 27.14(2)(g) and spend the dosh on a nice summer holiday, while every day laughing at your clients' expense. I look forward to your deafening silence. COPIED TO COUNTRYWIDE PARKING MANAGEMENT LTD   *  This word is used under licence from Brassnecked
    • Well yes, ... and the tax dodgers ... Trump May Owe $100 Million From Double-Dip Tax Breaks, Audit Shows A previously unknown focus of an I.R.S. audit is a dubious accounting maneuver that effectively meant taking the same write-offs twice on a Chicago skyscraper. nytimes.com WWW.NYTIMES.COM  
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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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Reclaiming Bank charges and DPA


dogz111
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Hello All,

 

I'm looking to reclaim bank charges from HSBC.

 

I've written to them asking for 6 years of bank statements. They have replied and sent me statements from the 9th Oct 2000. I'm obviously missing approx 3 months of statements. I've had my account with them over 12 years.

 

I obviously wish to progress to the next step of writing to them to reclaim my charges but there may well be extra charges in the 3 month period they haven't sent.

 

What is my best course of action ?

 

Cheers

 

Dave

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Hi

There are letters you can send for non compliance if the bank haven' sent out all your statements as per your request.

Here is a link to the templates

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

Hth

 

Carly

Lloyds TSB credit card-Judgement by default filed 8/06/07

 

Virgin credit card-£120 claimed Settled in full

Business barclaycard-£200 claimed Settled in full

Business a/c-£961.31 claimed Settled in full

NatWest personal a/c-£3010.28 claimed Settled in full

Abbey business a/c-£2390.96 Settled in full

Halifax personal a/c-£497 claimed Settled in full

HSBC credit card-£175.65 claimed Settled in full

Co-op credit card-£150 claimed Settled in full

NatWest business a/c-£250.00 claimed Settled in full

Halifax personal a/c2-£336 claimed Settled in full

Lloyds Business a/c-£1027 claimed Settled in full:lol:

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Thanks for that.

 

I've amended the letter to suit my needs.

 

Given them 7 days to reply to my request.

 

Lets see what happens.

 

Going to send my 1st letter requesting the charges back next weekend - its only £500 so far, hopefully we will go the court route as this adds about £150 in interest.

 

Cheers

 

Dave

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No problem Dave, hopefully you will get the rest of your statements very soon and can get going with your claim.

 

Good luck

 

Carly

Lloyds TSB credit card-Judgement by default filed 8/06/07

 

Virgin credit card-£120 claimed Settled in full

Business barclaycard-£200 claimed Settled in full

Business a/c-£961.31 claimed Settled in full

NatWest personal a/c-£3010.28 claimed Settled in full

Abbey business a/c-£2390.96 Settled in full

Halifax personal a/c-£497 claimed Settled in full

HSBC credit card-£175.65 claimed Settled in full

Co-op credit card-£150 claimed Settled in full

NatWest business a/c-£250.00 claimed Settled in full

Halifax personal a/c2-£336 claimed Settled in full

Lloyds Business a/c-£1027 claimed Settled in full:lol:

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  • 7 months later...

Hello, This is the first time I have posted.

I am starting my claim today. I am reclaiming 6 years bank charchges from Halifax PLC - because of there actions I am in a debt spiral :shock: , but I have decided that It's time to fight back. If I get my charges back I could be debt free :)

 

I have one question - when I am working out what I am owed, Should I deduct the £12.00, which I understand is the maximum they should have charged? I am not sure about this.

 

Grateful for anybodies help

 

Deb

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  • 4 weeks later...

Hello Folks,

 

I am in the process of of claiming my Bank Charges back from First Direct. They replied to my letter on the 26 /03/07 saying they would investigate my complaint and I would have a reply within 10 working days, as of today ( 10/04/07 ) I have heard nothing. Do I now send the letter giving them 7 days notice of Court action, advice , please. Many thanks.

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Hello Folks,

 

I am in the process of of claiming my Bank Charges back from First Direct. They replied to my letter on the 26 /03/07 saying they would investigate my complaint and I would have a reply within 10 working days, as of today ( 10/04/07 ) I have heard nothing. Do I now send the letter giving them 7 days notice of Court action, advice , please. Many thanks.

 

hi lt

it would be a good idea to start your own thread in the first direct forum so peeps can keep up with your progress.

 

if you mean do you send your letter before action - this should be 14 days since your last letter and you give them another 14 days to respond to your letter before action. this shows the courts (if need be) that you have given them a reasonable amount of time to respond.

If i've been helpful in any way....then tip my scales over there!

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Hi folks,

Along with dogz111, I also received my statements from Bank of Scotland today. They have only sent me statements as far back as april 2004 and I've banked with them since 1993.

 

Is this a new tactic the banks are using to slow us up with making claims?

Im going to send another letter from the template supplied by Carly

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Hi Derek it may be that you'll get another batch tomorrow so give it a day or so - they tend to come in batches.

 

Might be an idea to start your own thread in the Bank of Scotland forum as they'll be able to offer more specialised advice relevent to them, ie contacts etc.

 

In the meantime good luck with your claim :)

DCA's - they have the same power as an infinite number of untrained chimps working on a script for Hamlet, but the chimps would probably at least get it right :D

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Hi All

 

my first post so please excuse if in the wrong place

 

I am eagerly awaiting the 14th day from when i sent my letter to HSBC threatening court action. I am preparing my Moneyclaim form online. Can anyone advise from from when does the 6 years i can backclaim start from? is it the date i orignally wrote to hsbs requesting the charges back or the date i begin the court proceedings?

 

many thanks

hopefully £1800 better off very soon

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Is this really a case of adding up all interest and total charges from your statements then claiming that amount? seems too good to be true-apologies for apearing so stupid but really cant get my head round this.Also,have noticed i hadbeen charged 1,423.09 in 2003 and 1486.81 in 2005 for a loan protection payment and charged 295.00 in 2004 for a fixed rate mortgage.Are any of these reclaimable.

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no, no, no - you can't just add on those interest charges.

pattacake - you need to start at the beginning: read this first.....

: Newcomer? Here's A User Guide

 

use this one as well:Charges description on statements - Please Read

 

 

follow the step by step guide and the faqs and most of your questions will be answered.

 

also, if you press this:newthread.gif

 

you'll be able to start your own thread in this forum and we will be better able to find you and help you.

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Thanks lateralus for the reply.What i mean is on my HSBC statements-i have a total charges amount and an interest amount-both taken out the same day but listed separately.Do both these count as charges?This is the only info HSBC statements provide me with-its all under one total listed as total bank charges so im confused.

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just read the charges description on statements again-thanks for your help.just cant help thinking this cant apply to me and ive no right to reclaim anything.What about the loan protection charge and charge for fixed mortgage-any hope ther do you think?

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i'm not up to speed with those - i'll get someone to answer you -

when you are ready to give the spreadsheet a go - here's a link you might find useful (i have to tell you that for a couple of days now the interest calculation sp/s link hasn't been working properly - it's been fixed - so don't worry if you can't get onto it straight away).

honeygie v HSBC *****WON***** (multipage.gif1 2 3 4 5 ... Last Page) post number 26.

 

if the interest calc. spreadsheets still aren't working:

try this:Click here for Vampiress' Chamber of Spreadsheets i've just easily opened a google account and there they are.

 

get that thread started - please!

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  • 3 weeks later...

actually posted a defence or just their intention to defend in the acknowledgment.

if the 28 days have passed and they have filed a defence - you should also have received a transfer to a local court - which court is it and were there any other instructions?

take a look at my thread new - after 28 days....

it will be in my signature at the bottom of this - that explains what is going on.

each local court judge has the discretion to act in a number of ways and it depends on what they say - so let us know if there are further instructions and/or which court it is.

 

as it says in post 1 of my thread - on the other front - the dg front - have you sent them a copy of your breakdown - if not, do so now.

and start with a nudge letter to dg - and i'm advising a nudge letter every 10 days until they offer and send a copy of your breakdown every letter. so, nudge dg. check letter for court details.

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Thank you, your thread "new---after 28 days" answers all I need to know at the moment. I will keep you updated if they come up with anything new.

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Hi, I too have written requesting my statements with theDPA SAR template , forty days have passed with no acknowledgement - don't know if i sent it to right address - sent to Service Quality Team in Leeds - surley they will redirect it? Also e mailed Customer relations for correct address - no reply...and tried to ring the Service Quality Team but was kept in the queue for ages ...and gave up. Any advice?:(

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hi, buy1 - i see you have a thread in the welcome forum - if you press this: newthread.gif you can start a thread in the hsbc forum and we will be able to help you better that way. so start your thread, please.

 

we have found lately that a polite request at your local branch can do wonders - explain that you have requested and it's over the 40 days and can they please help you out - and they often will get it done very quickly. another way forward is to use the internet banking and get your statements on-line -

 

INTERNET BANKING WEBSITE: -

HSBC INTERNET BANKING

 

HOW TO OBTAIN YOUR STATEMENTS ON LINE: -

Click on “My Accounts” choose the account that you wish to deal with and then click on “My Statements” this will give you online access to up to 6 years of statements. (Repeat for each account and use a separate spreadsheet for each account).

 

Hint: - Watch out for the moving "Prev" button it is replaced by "Next" which takes you back to where you started :rolleyes:

and there is also this:Data Protection Act - Non-Compliance - Template Letters but the bank is very busy with requests just now - so take the other two options first.

and get that thread started -

welcome to the forum

 

 

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