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    • Firstly, I would like to thank everyone for their help in this matter. Since my last post I have received a reply from Plymouth Council Insurance Team concerning my wife’s accident (please see enclosed letter and photo of the offending Badminton post) which they deny any responsibility for the said accident. I feel that the Council is in breach of their statutory duties under the following acts: The Leisure Centre was negligent in its duty of care and therefore, in breach of the statutory duty owed under section 2 of the Occupiers’ Liability Act 1957. Health and Safety at Work Act 1974 (the Act) to ensure, so far as is reasonably practicable, the health, safety and welfare at work of all their employees, and others who might be affected by its undertaking, e.g. members of the public visiting the Leisure Centre to use the facilities. The Management of Health and Safety at Work Regulations 1999 that requires employers to assess risks (including slip and trip risks) and, where necessary, take action to address them. The Provision and Use of Work Equipment Regulations (PUWER) require the risk to people’s health and safety from equipment that is used at a Leisure Centre be prevented or controlled. I would like some advice to see if my assumptions are correct and my approach to obtaining satisfactory outcome to this matter are accurate. Many thanks   PLM23000150 - Copy Correspondence.pdf post docx.docx
    • Talking to them does not reset the time limit, although they will probably tell you it does, they'd be lying. Dumbdales are the in-house sols for Lowlife, just the next desk along. If Lowlifes were corresponding with you at your current address then Dumbdales know your address. However, knowing that they are lower than a snake's belly, you would be well advised to send them a letter, informing them of your current address and nothing else. Get 'proof of posting' which is free from the PO counter, don't sign it, simply type your name. That way then they have absolutely no excuse for attempting a back door CCJ.   P.S. Best course of action, IGNORE them, until or unless you get a claim form......you won't.
    • A 'signed for' Letter of Claim has been sent today so they have 14 days from tomorrow... Lets wait and see what happens but i suspect judging by their attitude they wont reply 
    • I am extremely apprehensive about burning our files.... I do not know why, so it is becoming an endless feedback loop. Scared to pull the trigger to speak in the desire not to mess up my file. 
    • Hi All, So brief outline. I have Natwest CC debt £8k last payment i made was 7th November 2018 Not a penny since. So coming up to the 6 year mark. Can't remember when i took out the  credit card would be a few years before everythign hit the fan. Moved house 2020 - updated NatWest as I still have a current account with them. Then Lowells took over from Moorcroft and were writing to me at my current address. I did get a family member to speak to them 3 years ago regarding the debt explained although it may be in my name I didn't rack it up then went contact again. 29th may received an email from overdales saying they were now managing the debt. I have not had any letter yet which i thought is odd?  Couple of questions 1. Does my family member speaking to lowell restart statute barred clock? 2. Do you think overdales aren't writing to me because they will back door CCJ to old address even though Lowells have contacted me at current address never at previous? ( have no proof though stupidly binned all letters  ) Should I write to them and confirm my address just incase? Does this restart statute barred clock? 3. what do you think best course of action is?   Any help/advice is appreciated I am aware they may ramp up the process now due to 7th December being the 6 year mark.   Many Thanks in advance! The threads on here have been super helpful to read.  
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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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      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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Hi all I'm new and just have 2 questions


paulminize
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Hi all i'm new to this forum, i had heard about the claiming back of bank charges some time ago, but to be honest i thought it sounded to good to be true, but now i have revisited the site it seems to be very much alive and kicking, so i am going to try and give it ago.

 

I have 2 questions -

 

1, My filing is rubbish - i know i can request information held about me by banks and credit cards but will this stretch back for the 6 year period ?

 

2, I have several accounts that i have since paid off and closed, i do'nt have the account numbers so how can i request the information - how can i get my old account number and will they still be holding records if my account was closed 4 years ago

 

Any help on this matter would be greatly appreciated.

 

Thanks all

 

Paul

Me

HSBC: DPASAR 08/08 - Standard Reply XX/08 - First statments 21/08

Capital One: DPASAR 08/08 - Standard Reply XX/08 - First Statements XX/08

MBNA: DPASAR 08/08 - Standard Reply XX/08 - First Statements XX/08

G.E Money (BurtonCard): DPASAR 09/08 - No Reply

Citi Bank: DPASAR 08/08 - Requested more personal info 10/08 - Sent 10/08

RBoS: DPASAR 07/08 - Standard Reply XX/08

HSBC (Credit Card): DPASAR XX/08

 

Partner

Argos: DPASAR 10/08 - Screen Prints XX/08 - Prelim 17/08

New Look: DPASAR 09/08 - No Reply

Abbey Nat: DPASAR 10/08 - Requested more personal info - Sent XX/08

 

Mom

Barclay Card: DPASAR 17/08 -

Capital One: DPASAR 18/08 -

L.P.F: DPASAR 18/08 -

Lloyds TSB: DPASAR 17/08 -

Monument: DPASAR 17/08 -

Sainsbury's Credit Card: DPASAR 17/08 -

 

Partners Mom

Studio: Prelim

Allders: Prelim

 

Partners Sis

NatWest: DPASAR 22/08

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1. Yes they are required to keep this information for 6 years and you are entitled to all of it.

 

2. It would be best to try and find those account numbers. They might be on direct debit forms, expired cards, any loose statements etc. If you can't you can still try giving all the details you can, name, dob, NI number, changes of address etc. They might try and use the lack of account number as an excuse to not comply but just keep at them. As with #1 they are required to hold them information, closed account or not, for 6 years.

 

Good luck :)

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