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    • Hurrah! We got there.  After asking four times about the defence you've answered. To win this you will have to be a hell of a lot more pro-active and get reading up.  The standard defence is on every single claim form thread here. So first task for the evening. Go to  https://www.consumeractiongroup.co.uk/topic/393251-received-a-court-claim-from-a-private-parking-speculative-invoice-how-to-deal-with-it-hereupdated-dec-2021/ Scroll down to  Q2) How should I defend? There is the standard defence. Change (6) into (7) and add a new (6). 6.  In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. Get if filed this evening.
    • OK, relenting on my above irritated post ... It's worth defending it.  At the very least they are likely to offer a deal. Plus  PE have added two completely invented amounts.  The £100 charge has morphed into £125.  Then they've added £50 legal representative's costs although they have no legal representative.  Even if it went all the way to court and you lost, the  judge would likely disallow the made up £25 + £50. Please fill in the sticky as dx asked. Then dx will be on with details of how to defend.
    • Quite interesting that the Conservative East Midlands  Mayor candidate doesnt mention conservative on his promotion LOL   but he does claim that he, a Conservative politician, is the man to fix the 14 years of Conservative devastation of the region - inc 'fixing' problems inc the utter devastation of the roads, bus and train services that his party have  imposed   Must all rotate around the meaning of fixing he actually means .. fixing noun dishonest activity to make certain that a competition, race, or election is won by a particular person:   .. or perhaps he just means 'fixing' - preventing change
    • Yes, absolutely normal for them to waste everybody's time and money by asking for more time – which they are entitled to do, of course – but it is simply a waste of time. They use prepared template defences. They know they are in the wrong but they simply want to make your life tough because they don't care about you. However do keep an eye out. You never know there is just a 1% chance that they could miss the deadline in which case you should apply for judgement immediately.
    • Will check back in when the SAR from MCB is back and get advice on how to raise the formal complaint and what to say x
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    • If you are buying a used car – you need to read this survival guide.
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    • 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.

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      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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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Nationwide-campaign started today


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I sent my first letter off today regarding the illegal charges made against me and my wife for just under £1700. totalled in just 12 months.

I got my charges of their website you can request up to 15 months worth of charges/statements etc.[very helpfull aren't they].Anyway sent it by recorded delivery giving them 14 days to re-imburse me,if they decide not to comply ill see them in court.

ill obviousley be on here for the forseeable future as if im successfull the lloydtsb are gonna be next. ITS PAYBACK TIME!

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Guest enforcer

This is my new account ive only had it approx 14 months..they like to take extra special care of new customers?

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  • 2 weeks later...
Guest enforcer

ive just recieved the standard t&c's letter foboff from the nationwide so have just drafted this second letter to send off on monday.hope ots ok. any ideas?

following this if i dont get the required response ill be on moneyclaim.gov.uk on the 15th day.

should i only give them 7 days to reply to the second letter. as i dont want this to drag on forever?

 

 

 

Dannielle Block

Team Leader

Branch Service Centre

 

18th February 2006

 

 

Re: Penalty Charges on Account / xxxxxxxxxxxx

WITHOUT PREJUDICE

 

Dear Ms Block,

 

Thankyou for your reply to my letter sent on the 9th February 2006 regarding penalty charges made to my Flexaccount.

 

I am well aware,you apply a fee for a transaction that causes an unauthorised overdraft,or takes an account over its agreed overdraft limit.However i feel that your charges are not levied in an ''appropriate and transparent manner'' as if you would care to read my first letter again, i requested that you send me a full and detailed breakdown of how charges are compiled.

 

I Qoute:

 

''I am aware that under your terms and conditions that charges are made to recover any losses that you may incur following a transaction made against an account without sufficient funds to cover the transaction. However if you would like to send me a detailed breakdown outlining how your estimates are made, It would be very appreciated. As I believe that these are not a pre-estimate but are punitive and represent a penalty for the process of money making, therefore are irrecoverable under common law. Further to the 1999 Consumer Credit Regulations quoted by the OFT there are numerous cases in law that prove punitive charges in contracts are unenforceable at English Law.''

 

 

I therefore insist that you refund these charges totaling a sum of xxxxx [xxxx.xx] within 14 days from receipt of this letter. If you decide to decline my offer of settlement, I will start proceedings for recovery through the county courts where I will also be seeking costs and interest at 8% as allowed by the County Courts Act [1984].I have enclosed a detailed account of interest calculated to the date of this letter, currently totalling xxxxxx.[xx.xx].This sum, as i am sure you are aware will increase up untill my county court claim is submitted.Thus bringing the total claim being in excess of xxxx[xxxxxxxxxx]including costs.

 

If you once again decline my offer of settlement, i will proceed with my County Court claim on the 15th day.

 

 

 

 

 

 

Yours Faithfully,

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I'm about to send them the same letter on Monday. I wrote to them asking them not to take any charges out of my account, they haven't even bothered replying and took the money out anyway leaving me £300 overdrawn. Nice people.

£949.54 reclaimed from Nationwide June 06

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Guest enforcer

theyve refunded £200 today..my 2nd letter must have crossed in the mail..im still going for the full amount but its nice to know theyre sitting up and listening...

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Guest enforcer

theyve refunded £200 today..my 2nd letter must have crossed in the mail..im still going for the full amount but its nice to know theyre sitting up and listening...

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  • 1 month later...

just to keep you up to date...filed claim with stafford county court giving them till 5th april to answer..they filed on the 4th for an extra 14 days to consider..so its the 19th april to see if they are going to defend....question....has any bank yet defended in court..ive searched on here and it seems they all coff up just before court dates if not before....

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i think i might have won!...checked my online account today and have had £1357.70 refunded? stating refund of interest..now my claim was for just under £1600..but i might have miscalculated as i was refunded approx £200+ about 8 months ago..but i couldn't find it in my online statement so i ignored it...so i think that might be the lot...any way ill have to wait till the postman comes tomorrow to confirm for sure...so congrats to me..and thanx BAG for your help....now for the Lloydstsb...lol....dont ya just love it......Enforcer...

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i wouldn't have thought so as technically they have refunded you your money..but they are behaving very strangely lately..giving up without a fight or any conditions imposed...they have obviousley got more money than sense...i am now going to help all my family and friends get their money back...lol....i hope it ruins the money grabbing gits..

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Guest Lueeze

good idea! Its never happened before but Its best to find out for others who will no doubt come across it too!

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their 24hr helpline said its refund of interest would include unpaid dd's and unauthorised odraft etc and that a letter would have been sent out. it will proberbly arrive tommorow...anyway victory is sweet!!!!!!!!!!!!!!!!!!!

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  • 12 years later...

This topic was closed on 03/05/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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