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    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Bless Abbey and all who sail in her!!!


vixtrix
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Obviously the subject title is sarcasm!!

 

I have had enough of Abbey National and I posted my letter (taken from the Library) yesterday to great relief!! I have requested the full refund of £1400.00 and now wait with bated breath!!

 

I realise that the loyal workers at Abbey are only doing there job but they must need a good large mug of Horlicks to be able to sleep at night!! I was charged £50 (£30 to allow a DD through and £20 because of going overdrawn) because a Direct Debit for £30 took me £3 overdrawn. When I asked for a refund they maintained their dignified outlook astride their high horse and refused!!

 

I then got to looking at all the charges that I have paid over the last 5 years and was shocked at how many times I paid out in the region of £40 - £50 for a mistake of £2 or £3!! There was also a clear snowball effect happening as they withdrew their charges and bounced yet another Direct Debit!! It was disghusting and I decided to take the plunge and take action.

 

Now I realise to go to the Small Claims Court will cost me but is there any chance I would have to pay anything to Abbey if I lose?? And does anyone know approx how much it 's going to cost to reclaim £1400??

 

They are insisting that they will withdraw the charges of £65 on 24th March so I said I would close the account. They said they wouldn't allow me to close it so I have moved every single transaction in and out (DD, SO etc) to another account elsewhere and left it with 63p in credit. I have a £100 overdraft which they can then use to take their charges and then I shall let them sue me for THEIR money!! Luckily, it is in my maiden name so although I know I will proabably get a CC against my name it shouldn't effect me too much. And obviously if I manage to win my case they will have to pay it back themselves!!

 

So any advice anyone?? :? :? :? :?

Work is the curse of the drinking classes!!

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Sounds as if you are doing good.

However when Abbey realise that you have moved your money out they may move to close your OD and deafult you. be prepared to react swiftly if this happens.

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Sounds as if you are doing good.

 

When did you become American?

 

The same time that Abbey's call centre staff became Indian....?

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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Sounds as if you are doing good.

However when Abbey realise that you have moved your money out they may move to close your OD and deafult you. be prepared to react swiftly if this happens.

 

Do you mean if they do that I should pay the £65 charges? They would have to give me warning of closing an OD wouldn't they?? :? :?

Work is the curse of the drinking classes!!

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Sounds as if you are doing good.

However when Abbey realise that you have moved your money out they may move to close your OD and deafult you. be prepared to react swiftly if this happens.

 

Do you mean if they do that I should pay the £65 charges? They would have to give me warning of closing an OD wouldn't they?? :? :?

 

They would give you notice, yes.

The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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I mean that if they gave you notice of closing your OD you should be prepared very quickly to issue a claim.

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I dont know Where to send the DPA disclosure request, should i send it to my local branch or is there a HO for this type of thing??? :?

I did see the Milton Keynes Address! But i didn't know whether thats just for milton keynes or the whole of England????

Can anyone help me out? :roll:

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Mel, send it to thier HO:

 

Abbey National PLC

Abbey National House

2 Triton Square

Regent’s Place

London

NW1 3AN

Yorkshire Bank £2201.24 - Settled in full

My Abbey £731.34 - Settled in full

Hubby's Abbey £1239.49 - Settled in full

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I sent my letter demanding that they repay my charges to the Abbey address on my statement - should I have sent it somewhere else then?

Work is the curse of the drinking classes!!

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Just don't forget to make sure they clean up your credit rating when the time comes for them to settle...

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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Just don't forget to make sure they clean up your credit rating when the time comes for them to settle...

I'm afraid that I am now convniced that the only way to achieve this will be to include it in your court claim. However, this is not difficult to do. It will ramp up the game about 10 notches, though.

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Very true Bankfodder, but on the other hand, it's no skin off their nose. After all, it's not like you're going to be doing business with them again, and they can alter your credit file at will, so it's not hard for them to do.

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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They would rather catch plague than remove the default. If they do that they put themselves and the CRA at risk of a defamation action and the beginning of many.

believe me, the money is nothing. They really don't care about retruning 3000 or 4000 quid -except some little clerk takes it a bit personally. But as an institution, the rmoval of the default notice would be an ultimate defeat. - And yet I feel that it wouldn't be difficult to achieve - and it is an iniquitous system and it needs wrecking.

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Well, watch this space. I hope in the next week or two to be able to add an entry to the litigation forum which includes the forced removal of a Default by a bank. :twisted:

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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Excellent. Can you post it here - or if you can't can you pm it and let us in a bit on the secret? We'd love to know what you are planning

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Does a CCJ last for the rest of your life and does it belong to one specific name or a house i.e. will it be against my maiden name or the property I live in (used to be called black listed??). Beginning to get a bit of cold feet about it now that my anger has subsided. I can see me losing AND ending up with 0 credit rating!! :Cry::Cry:

Work is the curse of the drinking classes!!

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I have received a letter from Abbey this morning saying the standard 'very sorry you are unhappy' blah blah. They have said that they will investigate the matter but to ensure a thorough investigation it will take up to four weeks.

 

Is this ok - I demanded they pay it back in 14 days, should I do anything or just let them have their four weeks???

Work is the curse of the drinking classes!!

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I've had the standard 'bog off' letter - basically blaming me for not being rich enough!! They claim to have refunded charges in the past - WILL THAT AFFECT MY CLAIM AT ALL???

 

I shall be going ahead with the claim via small claims court this afternoon - quite excited actually!! Is there anything else I should be aware of??

Work is the curse of the drinking classes!!

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I've had the standard 'bog off' letter - basically blaming me for not being rich enough!! They claim to have refunded charges in the past - WILL THAT AFFECT MY CLAIM AT ALL???

 

Obviously you shouldn't claim for charges you've had refunded already. It won't have any other effect though.

 

I shall be going ahead with the claim via small claims court this afternoon - quite excited actually!! Is there anything else I should be aware of??

 

Read the FAQ and other posts for your institution to see what others have done at the claim stage. Any specific questions that haven't been answered can be asked.

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I'm probably being really thick but I can't seem to get the Excel sheet to calculate the right interest. I have downloaded into onto an apple mac - is there any reason why this should make a difference? I'm entering the charge but it's only calculating the interest on the previous days set (i.e. since 2004 when I am entering charges from 2001). Help - need to get the interest right before I can proceed with my claim!

Work is the curse of the drinking classes!!

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It might be an apple thing. Maybe whoever wrote it (great job BTW, can't wait to fill mine up) can clarify?

Abbey (Charges on 3 accounts and default on my credit record) - DPA letter sent 30/03/06 - 40 days limit is 9th May - Recieved DPA printouts 05/04/06 with microfiche "fob off" letter. <p>Barclaycard (Charges on 1 account and default on my credit record) - DPA letter sent 03/04/06 - 40 days limit is 13th May - Recieved some statements 08/04/06 along with DPA printout and a microfiche "fob off" letter. Claim for £340 sent 11/04/06

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  • 12 years later...

This topic was closed on 03/06/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Work is the curse of the drinking classes!!

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