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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • Strider713
      EVRI have lost parcel £300 model kit

      By Strider713 · Posted

      I have now been given a court date vs Evri, 4th Sept 2024. I have completed my court bundle, when am I expected to send copies to the court and Evri and should it be in hard copy or electronic? The Notice of Allocation states that no later than 7 days before the directions hearing both parties must send to the other party their final offers to settle. Does this mean I will have to tell Evri what I'm willing to settle? Rgds, J
    • LilMissM
      Can I get a Cifas marker removed?

      By LilMissM · Posted

      Ok how about this to the CEO? I know it sounds super desperate but lets call a spade a spade here, I am super desperate: Dear Sir, On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I found myself in financial difficulty (unexpected bills and two episodes of sickness and the tax office getting my tax code wrong resulting in less pay for two months) and I contacted you (MCB) on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months. I fully explained why I was requesting this and asked for your help. I did not receive a reply to that email so I again contacted you on 7th March 2024 to advise you of a change in my circumstances which resulted in me having to take out a DMP and asking you to confirm that the direct debit had been cancelled. You would have also received confirmation of this DMP from StepChange but you did not acknowledge receipt of my email. I have only managed to make one payment from my loan but did try and contact MCB to discuss extending my loan, help etc.  I have now therefore fallen behind on several of my debts, yours included, and as a result you have lodged a Cifas marker against my name for "evasion of payment", which has resulted in me having to change banks, which has been an extremely difficult process because of the Cifas marker. I do not feel you have been fair or given me the opportunity to fully explain my situation to you before you lodged the marker against my name. I appreciate it is a business and you have acted accordingly, but I did try to make contact to arrange alternative arrangements and at no point, not even to this day, did I ever intend to not repay my loan. I cannot stress to you enough how much this has affected my mental health. I am having trouble sleeping and my existing health condition has been exacerbated by all of this. What I would like you to do is to please, please remove the Cifas marker and let me make arrangements to pay the loan back through a DMP.  Please sir, I am begging for your help here. I am not a dishonest person and I have never been in a situation like this before. I am desperately trying to make things right but this marker is killing me. Please can you help me? I look forward to hearing from you. Yours faithfully,
    • LilMissM
      Can I get a Cifas marker removed?

      By LilMissM · Posted

      Sorry  Noted x
    • fkofilee
      Can I get a Cifas marker removed?

      By fkofilee · Posted

      Just be careful with your language on what you post here - Keep it above board Lets see what you send to the big boss. 
    • LilMissM
      Can I get a Cifas marker removed?

      By LilMissM · Posted

      I made that payment on 13th Feb, then it all went down hill. 

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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.
      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

In for a penny!!!

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yourbank

yourbank

Posted
Posted
Thanks chaps.

 

I havn't heard anything from Halifax yet so will be sending lba next week. Shame there is nothing about a date for the law lords decision.

Sal, it isn't the end of the OFT test case though. The HOL decision is just the preliminary issues and not the substantive ones. Unfortunately a lot of people are gonna be in for disappointment if they think the HoL decision is the end of it all.

.

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

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sallysas

sallysas

Posted
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Posted

I sent my letters almost 12 months ago. I suppose it would be best to send them both again wouldn't it?

 

Whatever is the matter with me - I used to be so on the ball - and fairly useful to others................... :confused:

 

 

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pompeyfaith

pompeyfaith

Posted
Posted

Indeed this could rumble on for another year, which is why sally you must get your claim in court and stayed.

 

Forget the LBA it will serve no purpose unless you are in hardship.

 

You need to get your claim stayed in court then if the case goes in the consumers favour you will be one of the million first in cue.

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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yourbank

yourbank

Posted
Posted
Indeed this could rumble on for another year, which is why sally you must get your claim in court and stayed.

 

Forget the LBA it will serve no purpose unless you are in hardship.

 

You need to get your claim stayed in court then if the case goes in the consumers favour you will be one of the million first in cue.

pompey, the provisions within the FSA waiver allow compensation should the case go in the consumers favour, so it isn't entirely necessary to file at court(even though the site says you should).

.

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

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sallysas

sallysas

Posted
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Posted

I thought it was a case of wishful thinking that this would be the end of it. Some people do seem to think it will be but I won't believe it till the Fat Lady Sings.

 

Thanks for the quick responses but I still feel sending lba is the correct thing to do. Can't risk having it thrown out (potentially) 'cos I was being incorrect in not making it crystal clear I am claiming contractual.

 

 

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yourbank

yourbank

Posted
Posted
hello

 

just as an aside to current posts - can anyone explain when a direct debit is returned unpaid (due to a couple of quid short) what have hsbos actually done to earn their 35 plus 28 quids

They only charge that if there is insufficient funds for the charge which leads to an unauthorised overdraft. Usually returned close of business on the day it is taken(however some banks will take charges at a later date and with notice given to you of it).

.

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

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sallysas

sallysas

Posted
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Posted (edited)

They don't want to talk to me till the test case is over. With more bank changes gone on since my prelim letter I think I will adapt the lba - just to let them know I'm going to stick to the guidelines.

 

DO HOPE IT IS ALL OVER BY NEXT YEAR. None of us are getting any younger - and I want a new bike, new roof and solar panels (to keep energy costs down) out of my winnings - my list is getting longer the longer this goes on......................

 

Silly me - I meant my bank charges claim, test case dosn't apply to this type.

Edited by sallysas
wrong claim

 

 

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sallysas

sallysas

Posted
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Posted

They don't want to talk to me till the test case is over. With more bank changes gone on since my prelim letter I think I will adapt the lba - just to let them know I'm going to stick to the guidelines.

 

DO HOPE IT IS ALL OVER BY NEXT YEAR. None of us are getting any younger - and I want a new bike, new roof and solar panels (to keep energy costs down) out of my winnings - my list is getting longer the longer this goes on......................

 

 

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yourbank

yourbank

Posted
Posted
They don't want to talk to me till the test case is over. With more bank changes gone on since my prelim letter I think I will adapt the lba - just to let them know I'm going to stick to the guidelines.

 

DO HOPE IT IS ALL OVER BY NEXT YEAR. None of us are getting any younger - and I want a new bike, new roof and solar panels (to keep energy costs down) out of my winnings - my list is getting longer the longer this goes on......................

 

Sally, I know no one is mentioning the case on here but after the Prelimanry issues are the secondary ones. The OFT recently took on Foxton's Estate Agency and won in little over a year(there appeared to be a lot of crossover with the OFT test case as well) so Next year is a pretty good bet.

.

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

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  • 4 months later...
sallysas

sallysas

Posted
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Posted

I finally got my claim in last month. Just had it back for my contribution to the fee. So glad I did this before Supreme Court ruling although I expect I will have to amend poc but so what.

 

Obviously it refers to the UTCRR but mentions regulation 5 (1) and I've gone for compound interest at the authorised rate (well they didn't manage to charge me the unauthorised rate) and I'm not sure I could argue that successfully. I also used the unjust enrichment arguments.

 

We shall see. Still have one stayed which I know I will have to amend in the near future...............

 

 

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  • 1 month later...
sallysas

sallysas

Posted
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Posted

Going to file at court this week with test case over and waiting for new POC for current accounts. Can I use existing POC for this visa account as I've not been doing much reading in last few months. May as well concentrate on claims that can be won.............

 

 

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maroondevo52

maroondevo52

Posted
Posted

Hope it all goes well :)

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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  • 2 weeks later...
sallysas

sallysas

Posted
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Posted

The Consumer Forums - Bank charges templates (consumer)

 

Just look here - one for bank and another for credit card.

 

I haven't filed as I said earlier. Can't find their letters to me and as a year has gone by I am sendinging the prelim tomorrow. Been busy in the garden that's why I haven't been posting

 

 

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  • 3 years later...
sallysas

sallysas

Posted
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Posted

I have some old charges going back to the 1990s and the interest rate then was 1.53 monthly.

 

If I enter 25.9 (which is what they could charge me on their website) with compound interest the result is truly staggering (almost 1200.00 in extra interest).

 

People,

can I justify this on the grounds that it is compensation for being deprived of this capital to invest at my choice

and also the fact that interest on the interest would have increased my outstanding debt to halifax which I only settled last year.

 

And the so-and-sos had entered a default on my account which is not due to 'drop off' till October this year

- even after I reached an arrangement to settle the debt and made the last payment last autumn.

 

Default is due to disappear 6 years after they defaulted my account originally so having an adverse effect on my credit rating.

 

What a difference that interest rate would make to my finances. any thoughts gratefully received.

 

 

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dx100uk

dx100uk

Posted
Posted

unless you are prepared to go to court

you'll have a very hard job getting PENALTY charges back outside 6yrs

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 years later...
sallysas

sallysas

Posted
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Posted

Working on the 'if you don't try you will never know' theory I have had a loan, current and mortgage account in the dim and distant past - does the £10 fee cover all of them or do I adjust the SAR and ask for all the information in one letter with an £30 cheque (gulp, as that might be a waste of money). No, I don't have any account numbers.

 

Or shall I just phone them up to enquire but all more than 6 years ago.

 

 

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dx100uk

dx100uk

Posted
Posted

yes covers everything

its about you not one account

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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