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    • Isas already allow you to earn tax-free interest on up to £20,000 each tax year. But under recent reforms, they are now supposed to be more flexible.View the full article
    • The NTK is pretty good at complying with the Act  as is the Notice to Driver so no help there. I seem to remember OPS getting hammered by a Judge [in brighton I think] so they seem to have tightened po their act since. The organ grinder is the MA and the monkey is OPS.
    • @jk2054 and @BankFodder - Your feedbacks in posts #199 and #202 have been incorporated into the attached WS. As usual, amends are in blue in this draft. Based on other WS drafts I've seen where the issues in dispute are part of the WS, I built my first draft WS in the same format and hadn't seen it to be an issue before. You will notice that the 'witness statement' has been replaced with 'Claimant's Statement' so that issues in dispute does not need to be on a separate page before the WS. This is especially given the work that has gone in to reduce the size of the WS to 8 pages. Also thanks for the suggestions re: confidentiality - I agree with your views and will stand firm on this if a condition of confidentiality is brought up. I have not been approached by Evri on this forum or by email. I haven't yet had success in paying the hearing fee. I am calling the court as often as I can (during work breaks/lunch etc.) and have sent 2 emails to the court requesting a call back. If i don't have any success by the end of this week, I'll send another email chasing for a call back. @BankFodder - Also attached is an invoice from Packlink which shows that I was charged by Packlink for these services: "drop-off at EVRi - Next day delivery" and "Proof of Delivery". It also has the payer's address and there are "Origin" and "Destination" fields which have the postcode of the sender and the recipient (I have redacted personal details in the attached invoice).  I am already including this in my evidence bundle (without the redaction) but wanted to share this redacted version so that other people can consider this as example in their bundle of Packlink and Evri's contract being instigated by the sender of the parcel who has paid for the service, and further shows that there is information in the invoice to identify that a third party beneficiary (sender / recipient) is present in the contract between Packlink and Evri. If this invoice is no good, then please let me know / delete it from this post. Draft - Witness Statement and Court Bundle redacted.pdf Packlink invoice - REDACTED.pdf
    • It can be frustrating when clients fail to pay for services or products rendered, ignore payment reminders, or claim an inability to pay. How quick do you pass to a Debt Collection Agency like www.corporatedebtrecovery.co.uk 
    • The Court s pretty informal. The Judge [who you call "Judge" rather than Sir or madam] will not be wearing a wig and gown just a suit and it is advisable that you do the same and a tie. Other than that the Judge will do most of the talking .If they haven't received a WS from the scrotes either the case will probably be thrown out straight away. Usually the Judge will ask their lawyer a number of questions then ask for your take on things and then the case will be decided.  UKPC 0 Mystic Bertie 5. Then ask for your expenses time off work [if not being paid by your company while in Court, travelling and parking costs and occasionally they will allow something like 5 hours research at I think £8 per hour. Later celebrate and post us the result and how much fun it was. You will wonder  why you worried about it so much. Next time will be much easier.🙂
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Complaint about Halifax new charges regime, template letters here.

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Ok, here goes, no 1.


Work in progress, and do tweak to your purpose, don't just blindly cut and paste. Some of you may get the higher charge than £1, change that. This is not one size fits all, it fits mostly. OK?



Make sure you READ it and UNDERSTAND it. I know it sounds obvious, but you'd be shocked as to how many just copy blindly and fall on their backsides when they get a reply.



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Customer Relations

PO Box 548

Leeds LS1 1WU





[date] [sort code/account no]


Dear Sir/Madam,


I refer to your letter/leaflet of [date], in which you advised that my regular overdraft would be subject to a £1 per day charge from December 2009.


I wish to state my refusal of these unilaterally imposed terms. The agreement between you and me was that this overdraft was provided without a charge apart from the interest it attracts, and I have no wish for this to change, nor have you given me a choice in the matter.


I am in a situation where I can not just pay off my overdraft and leave, which effectively leaves me at the mercy of your iniquitous charges.


Please be advised that I am reporting the matter to the attention of the Office of Fair Tradings, as I believe your actions:


  • Contravene the Consumer Protections from Unfair Trading Regulations Act 2008 and are in fact prohibited under Part 2, section 3.-(3)(a) and (b): "(3) A commercial practice is unfair if—

(a) it contravenes the requirements of professional diligence; and

b) it materially distorts or is likely to materially distort the economic behaviour of the average consumer with regard to the product."

  • I also believe your actions contravene the Unfair Terms in Consumer Contract Regulations 1999, section 5. (1) to (4):

5. - (1) A contractual term which has not been individually negotiated shall be regarded as unfair if, contrary to the requirement of good faith, it causes a significant imbalance in the parties' rights and obligations arising under the contract, to the detriment of the consumer.


(2) A term shall always be regarded as not having been individually negotiated where it has been drafted in advance and the consumer has therefore not been able to influence the substance of the term.


(3) Notwithstanding that a specific term or certain aspects of it in a contract has been individually negotiated, these Regulations shall apply to the rest of a contract if an overall assessment of it indicates that it is a pre-formulated standard contract.


(4) It shall be for any seller or supplier who claims that a term was individually negotiated to show that it was.

and I also refer you to


1. (k) enabling the seller or supplier to alter unilaterally without a valid reason any characteristics of the product or service to be provided.

I don't consider the "simplification" you claim is your primary reason for this change to be a valid reason.


Furthermore, I don't believe that your changes pass the test of transparency, as you have failed to give clear examples of what that daily charge equals in terms of the interest rate this equates to under typical amounts. Indeed, I believe that translated in a percentage, those rates would put your average loan shark to shame. Please feel free to correct those figures, but this is what I have seen reported:

£0.01 Overdraft: 3,650,000%

£100 Overdraft: 365%

£1000 Overdraft: 36.5%


Furthermore the change is going to hit the hardest the people in the worst economic situation, as those who can afford it will leave in droves whilst those stuck in the living-in-the-overdraft trap will be the ones worst hit, unable to leave and hit for those fees month after month after month. In a lot of cases, it may lead people to try and raise additional funds by taking on consolidation loans to pay off the overdraft, when they may not be able to afford it in the first place, which would amount to irresponsible lending and/or a breach of the OFT's guidance on Unfair Business Practices 2.6 (b) "pressurising debtors to sell property, to raise funds by further borrowing or to extend their borrowing". Whilst I can't be sure of this happening, it is not inconceivable that quite a few of your customers will turn to you to find a way to solve the issue and may get talked into additional borrowing against common sense and OFT guidance.


Finally, I believe that this very material change to your Terms and Conditions is a direct breach of the FSA waiver to which you agreed, in that you are not supposed to alter your T&Cs in a manner which will disadvantage your customers whilst the OFT v Banks test case is ongoing.


I reiterate to you my absolute refusal to this change of charging regime and await your proposal to resolve this issue.


Yours faithfully,









[your MP]

Edited by Bookworm
I am NOT good at maths!
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Nice work Bookie.



Please help us to help you. Download the CAG tool bar for free

HERE and use the search option for all your searches. CAG earns a few pennies every time !!!


Please don't rush, take time to read these:-






This is always worth referring to






Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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No 2, to OFT:


Enquiries and Reporting Centre

Office of Fair Trading

Fleetbank House

2-6 Salisbury Square









Dear Sir/Madam,


Please find enclosed a copy of the letter I have today sent to Halifax Bank. I know the OFT doesn't deal with individual cases, but I believe this blanket approach towards their customer base does come within your remit.


In this particular economic climate especially, this unfair money-making exercise is going to create even more poverty, more vicious circle of charges begetting charges, all this in a period when the consumer is unable to seek remedy due to the FSA waiver. Meanwhile, banks such as Halifax happily flout the very same waiver and unilaterally impose their changes on their customers at a time when they are not supposed to.


This is a request for the OFT to immediately start investigating Halifax Bank's disgraceful behaviour.


Yours faithfully,





Enclosed: [copy of letter no 1]

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Excellent letter bookworm, just one thing though, in your example of interst rates you have got £100 listed twice with 2 different rates.

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Hey thanks for this, goin to draft up for hubby. Can I ask though, the letter my husband received is not dated! so what shall I put where it says [date]?


thanks in advance


I just put the date I got it through the post , which was last Thursday.


The maths thing (previous post)...I did not spot that...and the letters gone...oh well...I think they get the gist of whats been said.

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Thank you Bookworm and everyone else too for this


huge thanks fab as always


wonder if any national paper would be interested to persue this,


just carry on everyone and lets make some noise!!!


have a sunny day all laters angel x:cool:

Edited by angel_1

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)


my new motto is,,,",Taking back control of your life and home - such peace is priceless"


This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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hiya all


have signed the government petition and now we can do facebook, fab


well remember when that lady spoke out about marks and spencer charging more for bras because more material and she did a facebook page, that worked a treat marks and spencer bowed down


so hey maybe this is the way to go too, fab idea gerrybhoy


laters all angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)


my new motto is,,,",Taking back control of your life and home - such peace is priceless"


This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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What did they say about the issue on Watchdog? - missed it due to footy

The Watchdog feature was crap to be fair.


They simply stated the facts and said there were lots of angry customers interviewed by Martin .......

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