Jump to content


  • Tweets

  • Posts

    • Daft question - but you filed the defence on-line on MCOL as dx indicated, right?
    • We looked up the e-mail address so communications would be in writing.  If you do stuff on the phone the other party can just deny the contents of the conversation.  They can't deny what's written in an e-mail. So time to sort Pete out.  Check the following for accuracy and change anything I've got wrong.  Then e-mail Pete this evening.  I was thinking of threatening the pub with legal action but let's initially be nice.   Dear Pete, Re: PCN no.XXXXX, claim form no.XXXXX on 23 July 2022 I was a customer at your pub and I attach proof of purchase. I was picking up my cousin Ms XXXXX and her family as she was working as a cook with you at the time.  I entered the pub through the back door, went to the bar, and ordered a drink and a meal.  At no point did any bar staff alert me that I needed to add my registration number or did I see any signs advising me to do so.  I then took a seat outside in a small seated area so I could chat to my cousin while waiting for her to finish work.  We were joined by the management of the pub and bar staff during my time waiting  I was shocked a few days later when I received a demand for £100 from Civil Enforcement Ltd.  i contacted the pub and was told "don't worry, it's not enforceable". Well, that information turned out to be nonsense because I have now received a county court claim form from CEL. I contacted the pub again on XXXXX and was extremely disappointed to be told "there's nothing we can do". Of course there is something you can do.  You are the organ grinder.  You called CEL in.  You can call your dogs off.  Your pub has absolutely superb reviews on Google Maps regarding the way in which you treat guests.  Do you really think customers should be dragged to court?  I'm sure you don't. I am therefore requesting that you intervene and instruct CEL to cease court action. Yours, XXXXX
    • Thank you - Defence has now been filed Doc_20240501_182920_Redacted.pdf
    • The US central bank has left interest rates unchanged again, noting a "lack of further progress" toward lowering inflation.View the full article
    • The US central bank has left interest rates unchanged again, noting a "lack of further progress" toward lowering inflation.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 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
  • Recommended Topics

Nationwide-campaign started today


Guest enforcer
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1884 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Guest enforcer

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!

Link to post
Share on other sites

Guest enforcer

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

Link to post
Share on other sites

  • 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,

Link to post
Share on other sites

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

Link to post
Share on other sites

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...

Link to post
Share on other sites

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...

Link to post
Share on other sites

  • 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....

Link to post
Share on other sites

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...

Link to post
Share on other sites

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..

Link to post
Share on other sites

Guest Lueeze

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

Link to post
Share on other sites

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!!!!!!!!!!!!!!!!!!!

Link to post
Share on other sites

  • 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

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1884 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...