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    • Hurrah! We got there.  After asking four times about the defence you've answered. To win this you will have to be a hell of a lot more pro-active and get reading up.  The standard defence is on every single claim form thread here. So first task for the evening. Go to  https://www.consumeractiongroup.co.uk/topic/393251-received-a-court-claim-from-a-private-parking-speculative-invoice-how-to-deal-with-it-hereupdated-dec-2021/ Scroll down to  Q2) How should I defend? There is the standard defence. Change (6) into (7) and add a new (6). 6.  In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. Get if filed this evening.
    • OK, relenting on my above irritated post ... It's worth defending it.  At the very least they are likely to offer a deal. Plus  PE have added two completely invented amounts.  The £100 charge has morphed into £125.  Then they've added £50 legal representative's costs although they have no legal representative.  Even if it went all the way to court and you lost, the  judge would likely disallow the made up £25 + £50. Please fill in the sticky as dx asked. Then dx will be on with details of how to defend.
    • Quite interesting that the Conservative East Midlands  Mayor candidate doesnt mention conservative on his promotion LOL   but he does claim that he, a Conservative politician, is the man to fix the 14 years of Conservative devastation of the region - inc 'fixing' problems inc the utter devastation of the roads, bus and train services that his party have  imposed   Must all rotate around the meaning of fixing he actually means .. fixing noun dishonest activity to make certain that a competition, race, or election is won by a particular person:   .. or perhaps he just means 'fixing' - preventing change
    • Yes, absolutely normal for them to waste everybody's time and money by asking for more time – which they are entitled to do, of course – but it is simply a waste of time. They use prepared template defences. They know they are in the wrong but they simply want to make your life tough because they don't care about you. However do keep an eye out. You never know there is just a 1% chance that they could miss the deadline in which case you should apply for judgement immediately.
    • Will check back in when the SAR from MCB is back and get advice on how to raise the formal complaint and what to say x
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hardship claim advice please


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Some good news guys, recieved a letter in the post today to say that Natwest have agreed to refund me my charges... However, te letter they sent me is somewhat confusing...... If anyone understands and could clarify what they mean I would be grateful.....here's what they wrot.....

 

I refer to correspondence in realtion to your financial hardship. Your request has been agreed and confirmed subject to regular token repayments as appropriate. This arrangement can continue, if require, until the result of the OFT and UK Banks court case outcome is known.

Until the result of the charges test case is known we can confrm that no further charges or interes will be applied........

A refund of charges has been agreed, an offer letter be sent from our customer response unit confirming the amount.

....It's the sentence in red which makes no sense to me.....

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Some good news guys, recieved a letter in the post today to say that Natwest have agreed to refund me my charges... However, te letter they sent me is somewhat confusing...... If anyone understands and could clarify what they mean I would be grateful.....here's what they wrot.....

 

I refer to correspondence in realtion to your financial hardship. Your request has been agreed and confirmed subject to regular token repayments as appropriate. This arrangement can continue, if require, until the result of the OFT and UK Banks court case outcome is known.

 

Until the result of the charges test case is known we can confrm that no further charges or interes will be applied........

 

A refund of charges has been agreed, an offer letter be sent from our customer response unit confirming the amount.

 

....It's the sentence in red which makes no sense to me.....

 

Depends on the offer specifically but token payments can be as little as £1 into the account. They have suspended charges and interest until the conclusion of the OFT test case.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Oh god..... do theyt mean they will repay ME in token payments????!!!! I wnt my money back asap!!!

LOL, absolutely not. The token payments made by you to them.

Have they confirmed what the amount on offer is?

 

You may not be aware but the bank does not have to refund 100% of the amount being claimed back under FH

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Does that mean that I cant even challenge the amount that they agree to pay me back?

 

You can ask them but they can still say NO but they should give their reasoning behind the amount. To date, I have only seen one Building Society actually do this (Nationwide) but all banks should give this

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Will wait for them to agree an amount first and then if this needs disputing I will do so, however, based on the amount of hardship I am under I can't see why they would agree an amount less the what they owe me.... Thanks for your advice YourBank...x

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Natwest have agreed to refund all charges applied to my account over the past 3 years (which is how long I have held the account for!!) some interest included in the offer although not a great deal, will be accepting the offer...... Needless to say I have a big smile on my face and I shall be having a celebratory drink this weekend..... donation to CAG to follow, and couldn't have done this wthout you guys....esp u yourbank..God bless you...xx..... Now onto Halifax...!

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Natwest have agreed to refund all charges applied to my account over the past 3 years (which is how long I have held the account for!!) some interest included in the offer although not a great deal, will be accepting the offer...... Needless to say I have a big smile on my face and I shall be having a celebratory drink this weekend..... donation to CAG to follow, and couldn't have done this wthout you guys....esp u yourbank..God bless you...xx..... Now onto Halifax...!

 

A pleasure as always :D

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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