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    • No not yet Stu, i've put in a formal complaint and just got to wait for reply, emptied the garage with a couple of mates, all in back yard covered with tarpaulin and they never turned up to put lock on garage. Annoying to say the least.             Thanks for asking ,     
    • “ Gove says 'its a Novel virus so its ok to make up stories like 'its man made and 'we were prepared for the wrong or indeedprepared for any virus and 'How could we know spreadingrespiratory virus would spread and infect people.”   it’s OK Jugg Mr Icke will see you shortly  you’ll be telling me next The King and Kate were members of the EDL all along 🤣
    • In that case, it's crazy to me that part of their defence includes the following: 2.52. ‘The amount of Full Cover which you have taken out for a Parcel, if at all, will be the extent of our liability to you for any Loss or Damage to your Parcel.’ 2.53. ‘Full Cover’ is defined as ‘optional enhanced compensation that you may,for a fee, take out when you submit an order.’ 2.54. 26. Accordingly, the Contract terms limits the Defendant’s liability for loss or damage to a parcel (in contract and/or negligence) to a particular value (as determined by clause 5), for the loss or damage to goods. That  compensation value is the lesser of £20 or the value of the damaged/lost goods plus postage. 2.55. 27. The Claimant did not opt to increase the level of compensation for The Parcel and therefore pursuant to the terms of the Contract the Claimant is entitled to maximum compensation in the sum of £23.44. -> If they know they can't do this, why include it in their defence.  THe second part I'm worried about is this section: 2.24. 20. The twenty first paragraph of the Particulars of Claim is noted. It is denied that the Claimant is entitled to £169.00 in respect of the Parcel. It is the Defendant’s primary position that the Claimant is entitled to £23.44 in respect of the Parcel under the terms of the Contract. Without prejudice to the Defendant’s primary position, the Claimant valued the Parcel at £150.00 when ordering the Defendant’s delivery services. The Defendant requests evidence from the Claimant as to the reasoning for the difference in valuations from the Claimant. -> like I said, I have proof of receipt of the actual price of the jacket, I had email correspondence with the brand asking if they have received my jacket and included the EVRI tracking number. The parcel is also clearly labelled to return back to the store.  I've also shared all of this, and even provided the receipt in my claim lost parcel to EVRI It's a shame I put the estimated value of the item when posting back, rather than the exact. I was in a rush and just put a rough figure I had from memory (again, lesson learned)
    • Thanks for letting us know. It always helps to get feedback. I'm surprised at the addition of the surcharge. Yes, it must be imposed by law but the usual way to get round it is to make the fine £72 and the surcharge £28. You could argue that if they accepted that you did comply with the conditions of the offer you should not be disadvantaged at all and there is adequate mechanism for that. Their Legal Advisor (the person sitting in front of them) should have advised them accordingly. All in all a decent - if slightly incorrect - outcome and appealing against the sentence is probably not worth the hassle. As you say, "lessons learned" (but of course you won't be caught speeding again, will you?  😀
    • Good morning,  I am back here as I have my court hearing on the 16/1/24 and wanted to prepare myself. I have started to read through the cases here where people in similar situations have gone to court and the recently added court transcript. I will continue to read about third party rights. Is there anything else you feel would help.  Many thanks
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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.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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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HBOS Visa Credit Card charges


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Can anybody advise how much interest people can charge banks when claiming their credit card charges back. I have found on the interenet a site that calculates 8%, however they have been charging me between 18-26% over the years so why should I only charge them 8%. Have received charges info from Credit card C but now need a letter to send back with charges to claim them.

ANy body any ideas of a CC charges reclaiming template have found one for bank charges but not for Credit Card Charges.

ANy comments replies gratefully received.Ax

Edited by 24233513afw
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  • 2 weeks later...

Hi

 

Here is the link for the letter you need.

 

 

Credit/Store Card Charges. Letter Template

 

 

Tilly

 

 

A-Z Index

 

 

 

 

 

 

 

HOW NOT TO CLAIM...Click here!

 

HOW TO...DUMMIES GUIDE TO CAG...Read here

 

.please remember that any advice i give is purely my own experience or opinion thankyou

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  • 2 weeks later...

Hi everyonehoping somebody can advise me what I should do.

We sent for a refund of charges for our MasterCard & Visa Credit Cards.

 

For Mastercard charges amounts of charge claimed was £959.00

These charges were made up of a few £30.00 charges ad mostly £12.00

charges from 2006. Offered £208.00.

 

For Visa charge amounts amounts claimed was £706.00 again charges made up of a few £30.00 charges but mostly £12.00 charges from 2006 onwards. They offered £182.00

 

They have now sent me a letter stating that as a gesture of goodwill they shall pay a Full and Final payment of £208.00 for Master card and £182.00 for Visa being the amount equal to the difference between the amount I was originally charged and £12.00.

(In other words they will give me the difference of £30.00 charges but not any refund for the £12.00 charges this is the same letter I received for our Visa CC as well canb anybody advise what they think I should do there is still a large balance on both cards.

 

I have posted up one of the letters that we received for these account as both letters were in duplicat just different amount.

 

B o S Letter

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Hi,

 

Agree with cds, send Rejection letters, then start court proceedings.

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/139-rejecting-offers-

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

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Hi cds Am I correct in thinking that LBA is for England and Wales if so then it wont be any help as I am in Scotland. Maybe should have posted this on scottish site but thought I would add it to BoS site to see if anybody else had received anything like this.

Many thanks I think it may have to be court action but small claims in Scotland stop at £750 I think unless anybody knows differeent.

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Hi maroondevo52(Scott) - many thanks for your input can you confirm if small claims limit in Edinburgh Courts are £750. Not too sure where to go from here I have been looking at the decline letters are they more for England & Wales or can I use them up here in Scotland also. Please forgive my ignorance but I am frightened to take the wrong step with the English and Scottish Courts being different.

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Hi,

 

Send a Rejection letter to both, have a look at this 'link.........

 

http://www.consumeractiongroup.co.uk/forum/scotland/94302-updated-scottish-procedure.html

 

Remember, Scottish small claims is now £3,000.

 

The only thing you would have to change in the Rejection Letters would be 'County Court' to 'Sheriff Court'.

 

 

Regards.

 

Scott.

Edited by maroondevo52
 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Have you asked for a copy of your agreement? When were the cards taken out? Bank of Scotland offered me the difference between £12 and their pre-OFT charges, and ignored my request for the £12 charges totally. When I pointed out their agreement was unenforceable they gave me the full amount I had claimed.

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Cheers for that reply craigers...I shall send for CCA today and see if that has any effect..the cards were taking out approximately 1994-5 we honestly can't remember and I may add never defaulted on a payment until this year when things financially went out of our control due to illness. Its a true saying WHEN YOU ARE DOWN THEY KICK HARDER.

Will get onto sending for CCA today...what do think the chances are of them having a CCA for this account. Can I ask craigers when your card was taken out and how you found out the CCA was enforceable.

Cheers afw.

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My card was taken out in 1998. The response they sent to my CCA request was a copy of my application form and a rejigged version of T&Cs made to look like a credit agreement. I would guess that you'll receive something similar given the year you applied for it.

 

I know its unenforcable by doing research on CAG, and from studying the Consumer Credit Act and Regulations. The application form does not contain any of the prescribed terms required for an agreement to be enforcable.

 

When you do reject the offer of the difference, may I suggest you also ask for contractual interest. I never reclaimed the interest as I have another issue with interest which I am challenging, but when I sent a subject access request to the bank I received an internal document listing the charges the bank would offer to refund (including some I hadn't claimed for) and the contractual interest accrued by the charges. It amounts to a hefty sum!

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Still no sign of CCA that we requested on these accounts have now sent Account in Default letter. Can anybody tell me what happens now.

 

As we now sit with a drastically reduced offers (which we are not going to accep[t but thought we would wait and see if they came up with the CCA's for these accounts before replying.

 

1. If they dont send me a CCA, can they just one day take action in court without letting me know that they have a enforceable copy OR would they have to send me a copy.

 

2. Does anybody know what would happen if they just out of the blue they sent me a court summon, would it be held up in court if they had not provided me with a enforceable copy.

 

In a bit of a panic now that I have not heard anything atall, very scaryyy.

 

2. Do I report them to any organisation for not replying ?

 

Any advice or comments will be gratefully received

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  • 2 weeks later...
They are not yet in default!!

 

Hi craigers

 

Sorry for the delay in replying I have been trying to deal with a member of my family PPI problem.

 

I forgot to say I CCA'd one of our cards on 3/6/09 so this is the one I have sent a default too.

 

I sent a default letter to them on 18/6/09 received by them 19th June still no reply.

 

I shall do the other one next week as this isnt due until 3/4 July.

 

Sorry for the confusion as I said to my family tried to do too many things at the one time.

 

Cheers

AFW

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Hi

Need more advice pleassse.

 

Got offers from both Credit Cards but dont want to accept have tried to find rejection letters to reject Credit Card Charges but only seem to find letter for Bank Charges can anyone point me in the right direction. Also got application forms for CCA so feel with the advice on here I shall try and get all charges from them.

Ta very much

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Hi,

 

Use the rejection letters in my post #3 These also apply to credit Cards.

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Good stuff :)

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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