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    • Hi BankFodder, Thanks for the reply.  I will take your advice and read through more thoroughly. To answer your question, the value of the laptop is £255.  When filling in the online form to prepare the shipment it asked what the contents of the parcel was and the value and I specified "laptop" and "£255". Thanks.
    • Before you start this claim you need to have a lot more confidence in what you're doing which means that you need to understand the way forward in the principles involved more thoroughly. We will help you and you will probably get your money back but this is a self empowerment forum and so you have to do your bit as well. Please will you spend at least the next couple of days reading through the stories on this sub- forum. Try to understand them thoroughly. We have lots of stories very similar to yours but even those which are not similar, have principles in them which apply. In particular you need to read and understand the information in the pinned topics at the top of the sub- forum. I know that you have been reading around here for the past couple of hours but it needs a lot more. You aren't in a huge hurry. Wait a few days before sending a letter of claim and also that needs some amendment as well. Come back here when you've done your reading and then we will have a look at your letter of claim and help you to refine it Also, please tell us the value of the laptop. Was it properly declared as a laptop – and was the value properly declared
    • Unsure what would be classed as appeal I first contacted the applicant then IAS. I am not aware I could appeal again as Bank state I was informed that is news to me. I would have to look through the paper work, I apologise I forget so much due to my caring duties wish I had quality time to get so much done. Will try and look tomorrow, appreciate everyone's time and input.
    • Regular savings accounts are accounts designed for savers who put money aside every month and reward them with a generous interest rate.View the full article
    • 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
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      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.
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Natwest at Telford


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About 18mths ago, I defended a court claim, the judge ordered a stay.

They did not respond to a cpr18.

After that Natwest Telford provided a/c numbers (1 loan/1 current) and a total sum - no split between a/cs

They then closed the loan a/c stating nothing to pay but wanted payment against current a/c stating this was in overdraft.

Next they sent a Termination letter for the current a/c.

I have since received demands from Irwin Mitchell who went away when challenged and now am receiving demands from Shoosmiths who are ignoring the account is in dispute and threating legal action.

 

I have posted sometime ago re: above and thought the problem had gone away.

 

I closed my account with Natwest 10yrs ago with a nil balance and have not applied for a new one.

The account no. they list is different to the closed a/c.

It would appear they have created a current a/c and transferred loan balance thus creating an overdraft.

I have read about this type of accounting on the forums.

 

Can they do this without my permission and how do I respond to Shoosmiths who are now asking for income & expenditure as well my payment proposals.

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I would write back stating that you haven't had a bank account with Natwest for 10 years and when you closed it, it was at a ZERO balance also state that it is likely that the debt is entirely made up of excessive charges and it could be that Natwest actually owe you more than you owe them !!

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I have an even better idea, Send a subject access request and ask for NatWest archived notes for the account. They will hate me for telling you but then again, they don't want you to know that information do they ;)

.

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

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About 18mths ago, I defended a court claim, the judge ordered a stay.

They did not respond to a cpr18.

After that Natwest Telford provided a/c numbers (1 loan/1 current) and a total sum - no split between a/cs

They then closed the loan a/c stating nothing to pay but wanted payment against current a/c stating this was in overdraft.

Next they sent a Termination letter for the current a/c.

I have since received demands from Irwin Mitchell who went away when challenged and now am receiving demands from Shoosmiths who are ignoring the account is in dispute and threating legal action.

 

I have posted sometime ago re: above and thought the problem had gone away.

 

I closed my account with Natwest 10yrs ago with a nil balance and have not applied for a new one.

The account no. they list is different to the closed a/c.

It would appear they have created a current a/c and transferred loan balance thus creating an overdraft.

I have read about this type of accounting on the forums.

 

Can they do this without my permission and how do I respond to Shoosmiths who are now asking for income & expenditure as well my payment proposals.

 

Telford are experts at changing account types without their customers knowledge.

 

Did you have a loan with Natwest?

 

Take Yourbank's advice and send a SAR.

Edited by paulwlton

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Looks like the RBS group are continuing this "secret" accounting and digging themselves such a hole they will never get out of I can see the plug being pulled on this Bank by the government within the next 2 years it will no longer exist ...unless they come clean NOW!!!!

 

sparkie

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I did have a loan.

Last payment made was 4 yrs ago.

I forgot all about it until the court claim Dec 08.

Until then Natwest had not contacted me.

The poc on the claim showed - no a/c no. type of a/c etc.

After the stay they closed the loan a/c.

 

I have asked for information but not yet sent a SAR.

Does their nil response to cpr18 help in this matter.

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I maybe a little confused here with cpr18 and sar.

Do I still need to send sar even though they have had a cpr18.

Is cpr18 now no longer relevant after court ordered a stay.

 

Also what argument can I use as Natwest appear to have created a new current account to hold balance of a loan without my permission or knowledge.

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I have now sent a sar to Natwest.

Also sent letter to Shoosmiths to again advise a/c is in dispute and quoting harrassment.

I made a mistake earlier the court claim was Dec 07 & stayed Apr 08.

Over last 12 mths first Irwin Mitchell & lately Shoosmiths have said they are awaiting further info from Natwest as I requested.

A long time just to get some basic information.

As it is a current account do they not have to prove I applied and agreed to terms.

Surely they can't close a loan account and then create a current account out of nothing.

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