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    • I agree with you, UB. More parties might not be such a bad thing. More on Farage's manifesto - sorry, contract.  
    • Sorry but first of all you are still referring to your six-month right to reject – but you didn't assert your right within six months so this is not relevant. The situation is that you cannot reject the vehicle unless it is a write off or you have been deprived of the use of it for a significant period of time so that it can be said that you have been deprived of substantially the whole benefit of the contract. By my understanding that is not the case here. Your complaint must be that they are in breach of contract because the vehicle is not satisfactory quality. Clearly because of the way the windscreen was fitted it was not satisfactory quality when it was purchased and it has not remained in satisfactory condition for a reasonable period of time – witness the leakage and the corrosion in the car. On this basis you are holding them responsible for the cost of repairs which are £XXX and any ancillary costs reasonably incurred as a result of their breach of contract. You are currently without the car and this is not a situation which can continue. You are enclosing the evidence plus quotations for repair and you want that by the end of the week you want them to agree to the repairs. Broadly that. Please post a draft as soon as possible. You don't want to hang around on this
    • Hello folks  Got a letter from overdales the day after I submitted my defence this contains a copy of credit card agreement and a letter stating the account has been sold to lowell. H
    • Seen a number of videos online of interviews with people in town centres around the UK. Those that say they will vote Reform can accurately be described as 'Gammon Faced'. So frustrated with life in 2024 and yearning to switch the clock back many decades, they don't really care about the policies of Reform. What appears to appeal to them about Reform is an old fashioned nostalgic outlook, of trying to get the country back to how it was a very long time ago. Yes much of this is about immigration, but it is also about many other issues such as Equalities legislation, Human Rights etc, which they believe have gone too far. For the above reasons, I don't think many who are looking to vote Reform, will switch their votes back to other parties they have voted for before. From what I have seen in polling, 70% were previously Tory and about 30% Labour. The Tories under Sunak can no longer appeal to those who now back Reform. For example, I doubt any Tory Government would support leaving ECHR, because that would most likely be opposed by the majority in the UK. And many Tory MP's would not support leaving ECHR and the House of Lords would block anyway ignoring any conventions to give way to The Commons. A combination of Brexit, Reform lead by Farage and the average age of this voter demographic is quite likely to lead to the extinction of The Conservative party. What may happen after this election is that the right of politics splits into new groups. Some Tory MP's are likely to jump ship and join Reform. And others will try to relaunch the Conservative brand as a centre right modern party. This could possibly lead to the Lib Dems becoming main opposition party at some point. The outcome of this election could well significantly change UK politics forever. And it is not just about the future of the Tories, Labour with a huge majority may find it difficult to keep some on the left happy with Government progress on tackling some issues. So we may see a fracture within Labour support and new parties formed.  
  • Our picks

    • 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
      • 161 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
        • Like

Reid Vs Lloyds TSB Scotland


reidnet
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Just sent of initial letter to TSB for refund of charges £900 +

And one sent to Halifax Bank £500 +

 

Have had a good read of the forum and had to laugh at Janets replies..Well Done ... Filled me with confidence to take these (edit) On..:p :p

 

Ian

 

Moderated : edited ... please do not post comments that may be viewed as libelous , this is for the protection of the site .

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Hi reid and Welcome

 

glad you are doing this the right way and reading around first before starting :)

 

I am glad my thread gave you and others the confidence to do this as that was what I wanted to achieve , the money was secondary to me

 

please keep us updated on your progress in this thread

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Just sent of initial letter to TSB for refund of charges £900 +

And one sent to Halifax Bank £500 +

 

Have had a good read of the forum and had to laugh at Janets replies..Well Done ... Filled me with confidence to take these (edit) On..:p :p

 

Ian

 

Moderated : edited ... please do not post comments that may be viewed as libelous , this is for the protection of the site .

 

Woops , Sorry bout that..Will behave from now on..lol

 

Still nothing back from TSB... Have had first Sorry your unhappy from Halifax though..

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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:mad: Just recieved letter from TSB..

 

mmm Im sorry uor unhappy..lol and a nother pretty leaflet..

At least they got that bit correct? :mad:

 

Though My initial letter was posted to

Lloyds TSB Scotland

15 Brown Street

Glasgow

 

The response has come from

 

Andrew Palmer

Customer Service Advisor

 

Customer Services Recovery Centre

125 Colmore Row

Birmingham

B3 3SF

 

Stating that one of their Assistant Managers will look into my complaints and get back to me within the coming 2 weeks.

 

Original Letter was dated 9th August , Do i send LBA letter on or around the 23rd or should I give them 14 days from the date on their Letter ?

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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No it's 14 days from the date you sent your letter, they'll drag their heels anyway so no point giving them more time to do so.

 

As for your letter being sent to Glasgow, all complaints are forwarded to the Customer Service Centre so thats why the reply came from there.

 

Good Luck

  • Confused 1

Robinson vs Lloyds (29/07/06)

LBA Sent (29/07/06)

Standard Reply (01/08/06)

FOS Letter Recieved (10/08/06)

 

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Thanks for quick reply m8..:D

 

Will get the next letter ready for posting off Next week, No point hanging about for the next fob off letter from them..

 

:p

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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  • 3 weeks later...

Had the second and final response ..NOt paying

 

so its off to Court tomorrow...

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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WELL what happened????

 

 

Do Tell??

 

Tom

-----------------------------------------------------------------------------------------------------------------------

Data PAct halifax 19/6

Conf letter 22/6

£10 Fee taken 30/6,

List of charges recived 29/7

Prelim sent 31/7

LBA sent 15/8

Court action start 30/8

Offered £160 & then £482 as full settlement 6/9 LOL

19/09 Full settlement of part 1 £710 charges, £200.88 interest & £39 costs. :lol:

2nd cout action started 27/09 paid in full 29/11:smile:

MEAF Reclamed X2 £75 Halifax & £175 from C&G here's how http://www.moneysavingexpert.com/reclaim/mortgage-fees

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Nothing yet , Just going to submit claim to court, Probably Thursday or Friday..

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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LOL good luck

 

Tom

-----------------------------------------------------------------------------------------------------------------------

Data PAct halifax 19/6

Conf letter 22/6

£10 Fee taken 30/6,

List of charges recived 29/7

Prelim sent 31/7

LBA sent 15/8

Court action start 30/8

Offered £160 & then £482 as full settlement 6/9 LOL

19/09 Full settlement of part 1 £710 charges, £200.88 interest & £39 costs. :lol:

2nd cout action started 27/09 paid in full 29/11:smile:

MEAF Reclamed X2 £75 Halifax & £175 from C&G here's how http://www.moneysavingexpert.com/reclaim/mortgage-fees

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Good stuff reidnet - keep it up :)

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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:p Court paper lodged today, found staff at Dundee Sheriff court very very helpful and pleasant to deal with, no so sure of some of the character hanging about outside the court though,..lol.

 

Just have to sit back now and wait....:D :D

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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  • 2 weeks later...

JUst got copy sumons back from Court

 

Case SA688/06 Dundee Sheriff Court - Return Date 16/10/06 Case Date 23/10/06

 

Just sit and wait now..lol

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Share on other sites

  • 3 weeks later...

More Charges ..so sent the folowing letter..

Still heard nothing from Lloyds regarding Court :-(

Mr Ian Reid Tel. xxxxxxxxxxxxx

xxxxxxxxxx Fax. 0870 xxxxxxx

xxxxxxx Email:

xxxxxxxx

Mr Jamie O’Neill

Assistant Manager

Lloyds TSB

Customer Recovery Centre

125 Colmore Row

Birmingham

B3 3SF

 

 

Tuesday, October 03, 2006

 

 

 

Dear Sir,

 

ACCOUNT NUMBER: xxxxxxxx SORT CODE: xx-xx-xx

 

 

My request

I am writing to ask you to refund to me the further charges which you have levied from my account between 01/03/2006 to 02/10/2006 the sum of £120.00.

As you may be aware there is a court case pending regarding previous charges at Dundee Sheriff Court for the Amount of £887.70. Case ref SA688/06 due to heard on 23rd October 2006 at 0930hrs. I would therefore give you this opportunity to settle both these claims on or before the 20th October with the refund of £1007.70.

If you cannot or will not refund the £1007.70 on or before the 20th October 2006, I will have no further option but to raise a second summons through Dundee Sheriff court for the Additional £120 plus Interest plus Court Fees. I will also inform the sheriff at Dundee Sheriff court on the 23rd October that there is a second case to follow, which I intend to submit whilst at the court on the 23rd October 2006.

With Lloyds TSB current track record regarding these types of claims where several cases have been raised, not once have Lloyds TSB won a case by providing evidence to demonstrate the costs to which you have been put by a result of any breaches do reflect your actual costs. Therefore making these charges a penalty and unlawful at common law. In fact not one case to my knowledge has gone to a full court hearing as Lloyds cannot or will not provide a full cost breakdown for commercial reasons.

Most cases are settled before the court date though recently, Lloyds have been leaving this to the very last minute. This I feel is an Abuse of the court system and I’m sure that the sheriff will agree that this sort of practice is putting our busy courts under even more pressure.

 

Your responsibilities

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them.

Your concealment of the true nature of your charges has prevented me from asserting my right until now.

What I require

I calculate that you have taken a further £120 from my account.

breakdown of the charges which I am claiming

Summons ref SA688/06 £887.70

Charge Dated 01/03/06 £ 30.00

Charge Dated 04/07/06 £ 30.00

Charge Dated 02/10/06 £ 60.00

Total £1007.70

 

My targets to resolve this matter

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

 

I will give you until 20th October to reply to me accepting, unconditionally, my request and letting me know a date by which I will receive payment.

 

If you do not respond, or you do not respond positively, within this time period, I shall raise a second summons for the additional charges on 23rd October 2006.

I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

 

If you are not in a position or do not have the authority to settle this matter personally, I would appreciate if you can hand this matter over to someone who has the authority to settle this matter. If this is the case I would also appreciate if you can inform me of the contact name etc by return, either by email,fax or standard mail.

 

Yours faithfully,

 

 

Ian Reid

cc – Sheriff Clerk – Dundee Sheriff Court.

  • Haha 1

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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  • 2 weeks later...

Just phoned Court..Lloyds have not submitted defence as of 10 Mins ago..Going to phone at 9am tomorrow..if nothing going in with my form 11 for judgment..

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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:o :o Just phoned Court again this morning, Lloyds had till 5pm yesterday to submit defence..Nothing on Computer this morning..But when Clerk checked ..Yup the submitted this morning..A day late but thats only to be expected by Lloyds...So of to court on Monday 0930hrs..:):D

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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  • 4 months later...

This one was Settled in full along with Second claim which was eventually settled in full today

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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