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    • I see the poops are still trying to deflect from their own criminality and and abuses by whinging on about raynors buying her council house - now about election registration - anyone who owns a flat or house understands that you dont give up your and your childrens home just because of a new relationship and while we are on about that ..   lets start with When is jenrick being revisited for both lockdown abuses and self admitted (claims estate is his main home - not the property in his electorate or his london property) - and electoral registration abuses as he claimed he was at his estate 'main home' away from both London and his electoral 'home'  - much of which paid for by the taxpayer   Cabinet Minister Robert Jenrick 'breaks lockdown rules twice' by going to 'second home' - Mirror Online WWW.MIRROR.CO.UK Key Cabinet Minister Robert Jenrick drove 150 miles to his 'second home' after urging the nation to remain in their homes in a bid to...   ... perhaps follow with more self admitted lobbying while in a potion where they shouldn't “A few of us in parliament have lobbied the government – and with the help of the Treasury select committee, the chancellor has listened,” John Baron wrote.   Tory MP faces lobbying questions over Treasury committee role | Investing | The Guardian WWW.THEGUARDIAN.COM Co-owner of investment management firm called for ‘urgent’ post-Brexit changes to City rules at committee meetings     About time labour got in the game and started pressing for these self admitted/bragged Tory abuses were properly investigates.
    • No I didn't I got the dates mixed up.   
    • Sorry about that, TJ. The person who posted it specifically said it was free access. Here's another version of the FT article. https://archive.is/KYrPa
    • Isnt there some indication in there of at least intent to inform arbuthnot? IF he wasn't then it would seem to be Vennells decision to keep him 'uninformed .. Although seems to me if arbuthnot was unaware - he was either incompetent or should have very detailed records of denials. Seems vennells is constantly at the core of all the lying about all these issues though.
    • Paywalled/subscribe HB I'm unaware of the details on this HB but why is it a potential taxpayer burden? Hasn't a judge already ruled port has rights of access - so shouldn't costs be on the private company (South Tees Development Corporation) trying to change established access?     LIVE: High Court updates as CEO gives evidence in access rights row between STDC and PD Ports - Teesside Live WWW.GAZETTELIVE.CO.UK The face-off between the Teesport operator and Mayor Ben Houchen's South Tees Development Corporation continues in the High Court  
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • 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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kmbrad vs Lloyds TSB ***SETTLED IN FULL***


121o121
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Hi all....

 

I have read the forums and congratulate you all on the tremendous help you ALL offer!

 

This is all new to me, but I am going to go for it... I bank with Lloyds TSB and searching back through my statements online, have calculated £417 in charges since late 2001. The charges I have included are, unpaid direct debit, cheques and standing orders. I have also included the overdraft excess fees but NOT the overdraft interest fee's. I agreed to have an overdraft so I dont think I can claim back the interest, CAN I?

 

I have looked at the sample letters. I have listed all my charges. I reada forum about the interest at 8%. Would it look like I don't know what I'm doing if I don't ask for this and the overdraft interest? I really could do with just a little pointer to get me going.

 

Regards

 

Karl Bradshaw

 

PS. The address I have on my statements to write too is: Customer Service Centre, Dept. 10-49, Box 3, BX1 1LT

 

Is this my best contact address?

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You can claim overdraft excess fees

 

There are 2 instances of interest you can claim:

 

1.When you go overdrawn the bank will charge you interest, perfectly lawfully.

However, if part of your overdraft is made up of penalty fees, they are also charging you interest on these too and it is this interest which you are entitled to claim back, but it's tricky to separate out from the total interest figure.

Vampiress has a spreadsheet, (the advanced one), in the bank templates library, which attempts to calculate this

It's quite complex and unless your claim is large may not amount to that much, so for simplicity's sake, some people don't bother

This is the interest referred to in the preliminary and LBA letters.

 

2. Section 69 8% interest on your claim, but only when you submit a claim at court. Don't add this interest before moneyclaim

 

Address is fine

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Hi Michael

 

Thank you for your quick response. I'll leave out the overdraft fee's as it won't be that much.

 

Should I also send all my correspondance by recorded / special delivery, or don't I need too?

 

I will start the process and get it under way. I will keep looking at the forums for sources of help. Should I need to ask the odd question, would you mind if I contacted you? I fully understand if you'd rather I didn't.

 

Thanks again

 

Regards

 

Karl

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1st class post is fine, (at the PO you can get a certificate of posting for free), but most people tend to send it RD.

 

Use this thread to post your progress and any questions. that way people can see the history of your claim and give better advice.

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Thank you.

 

I shall post when I receive what I expect to be a "automated response"

 

Regards

 

Karl

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I received a standard letter today (16/8/2006) saying....

 

"We're sorry to hear of your complaint" etc

 

They also say that someone will investigate, and get back to me within "hopefully" two weeks.

 

Should i wait for this response before sending off my LBA? I know whis is a standard letter, but want to be seen as being 'fair' and not jumping the gun...

 

Any help would be great...

 

Thanks

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Ok thanks. I hope you don't mind the advise. When people start these claims we read all the forums, but still aren't 100% sure on somethings. I'll send it after the 14 days has elapsed.

 

Regards

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  • 2 weeks later...

Just a brief follow up.

 

I sent the LBA (letter before action) yesterday. Today I received the normal letter stating the banks final comment on the mater.

 

Will wait the next 14 days before taking the next step.

 

Karl

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  • 2 weeks later...

Have just completed the forms on the Money Claim website. Took a while to do, but I wanted to make sure I got it right. There are soooo many threads to research, but it's worth it.

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Just filled in the Money Claim forms. Took a while as I was referring to other posts for templates, but confident i've done it correctly.

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ahhhh. My first post didn't appear, so I presumed i'd not posted it.

 

It's OK, I'm relaxed!

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lol :D

 

Don't worry bud, we've all been there. Fingers crossed for you, looks like you've got it under control though :)

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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I received through the post this morning a notice of issue. I see Northampton County Court is addressed. Is this where all Money Claims are issued from or is this relevant to my case?

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Just come back from a few days away to find two letters from the court on my doorstep. Firstly a "notice of issue" telling me the defendant has until 26th September to reply, and secondly a "notice that acknowledgment of service has been filed". The defendants solicitors are Sechiari Clark and Mitchell. They have 28 days from the date of service to file a defence (I make that the 10th October). If Lloyds TSB are following suit, I'd expect them to file a defence on or around the last day, then I'll start the AQ.

 

I'm off to have a go at designing Christmas Cards!

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Just an update.

 

No other correspondance to date.

 

I'm off on holiday today for 1 week. Hopefully something will be awaiting me on my return!

 

Regards

 

Karl

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Back from holidays and nothing on the door mat. Money claim status remains the same too. On a more positive note Mallorca is great and the weather blistering!

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Can anyone tell me how I can rename my thread to kmbrad vs LloydsTSB?

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thanks christina

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Well my claim was acknowledged on the 12th September, so counting down the 28 days, I'm sure today (10th Oct) is deadline day :) (we're slowly concluding)... Haven't had any correspondance at all. Obviously expecting a last minute defence and an AQ to arrive shortly. Just one question. I'm sure no-one has been succesful in filing for judgement, but is it after midnight tonight I can try if a defence hasn't been entered? :???:

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I believe it's after midnight that you can file defence, but not 100% sure as haven't done that myself. Our deadline was 8th October and we predictably received one of the defences in the post yesterday - the date of their defence was 5th. We're expecting that the other two defences will turn up today but if they don't then we'll be looking into a default judgement. Kowing Lloyds, I'm sure you'll get yours through very soon.

 

Lucid :)

  • Confused 1

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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Checked MCOL yesterday and a defence had been entered. Have to wait for the AQ to arrive now.

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The AQ arrived this morning with a covering letter from the courts entitled "Notice of Transfer of Proceedings". An attached letter from MCOL tells me that the defence filed has been enclosed, which I don't appear to have. Have I missed something here? All i have is an AQ, a covering letter from Northampton Court and a letter from MCOL.

 

Regards

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