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    • The cost I provided was for new items. This was requested by Axa. It will obviously be a lot less for replacement items. It's difficult estimating the value of things if I can't find them on sale second hand.  The lock up is about 600m from my home as the crow flies. I do not have insurance on the lockup. ironically my own home insurance is with Axa 🤣 Many of the items on that list were removed by the specialist asbestos removal company so impossible to inspect although I do have some photographs of the large items. The smaller items were bagged up inside the lockup and removed so I only saw red plastic bags removed. A list was provided by the company of items removed.  I have no idea what insurance the Gardener has. He promised he would provide this information to me but never did. Then he just ignored my calls and letters. I found out the name of his insurer  through his insurance broker.
    • Not 100% sure received 4 separate letters today each containing statements for personal loans all on Lloyds letterheads with the final loan statement the one held by Cabot. No cover notes with any letter just statements 
    • the loan is not managed by Cabot Lloyds SOLD the debt to them.   who's the return from?  
    • What were the terms of the loan?  How long did you have to repay it?  Did it say anything about what would happen if you ceased to be employed by them?     I don't think so.  And if it was "voided" (as opposed to written off - which is probably what you meant) they could claim all the outstanding monies straight away - which I suspect you don't want.   Post up a copy of the letter if that is all you in the way of terms for the loan.  (Blank out anything identifying you and your employer).
    • What insurance policy are you trying to claim from and how do you know who to claim from?   Assuming it's the gardener's public liability insurance*, I'd have to say I'm rather surprised that his insurers are saying that the damage to your property is not covered.  Surely that's the whole point of the "public" bit in public liability?   Just sue the gardener and let him deal with his insurers*.   Anybody walking or working on an asbestos roof is negligent to begin with.  I assume the council has warning notices up like "Danger - Asbestos roof.  Fragile".   *Of course I am also assuming he has PL insurance and that is what you were trying to claim from?
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    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
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Continuing on from my thread in the welcome forum.Right here is what I intend to do now.I am doing this on behalf of my girlfriend Chelle.Been having a look at her finances and she also has a visa card with YB and an outstanding balance of about £900.She has been getting hit with a regular £25 late payment fee.If she pays up on time she gets hit with charges on the current account,when her wages go in.I intend to go to the bank today and pay the outstanding charge on the card.This will effectively close the account as she cut up the card two years ago(but they dont know this).But first a couple of questions.I intend to hit them first over the visa card charges.Can they threaten to close the current account,because we are hitting them over the visa account?

Will the fact that we have a claim in for unfair charges on the visa have any effect when I hit them for the current account?I intend to send the S.A.R - (Subject Access Request) this week and what I would like to know is,do I send the standard letter in the library mentioning manual intervention,because from time to time they ring her to remind that the minimum payment is due on the card.Any thoughts appreciated:rolleyes:

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Hi Zebbydog (& GF Chelle!)

 

My Mum has her current account with YB as well and we are persuing them for charges made to her YB Visa, they have not (as yet!) threatened any action to the current account, and infact this type of retaliatory action is not being looked on very favourably.

 

Definately sent the letter including the paragraph about manual intervention, I would v much doubt that they would admit to anything manual other than phone calls but you never quite know with YB! Dont forget to send it recorded (I am assuming to Leeds - Credit Card Head Office? Or your local branch?) so that you can track it on-line, print off the delivery ticket and keep it with copies of the letters. Its amazing how much post 'seems' to be going 'missing'.

 

By the way, a very warm welcome!

 

Rachel

Doing this on behalf of my lovely Mum!!

 

LTSB No1 - £200+£31.70+£30 = £261.70 COURT DATE SET 8TH NOVEMBER 2006

LTSB No2 - £423 +£124.16+£80 = £627.16 DEFAULT JUDGEMENT GRANTED DUE TO NO SHOW FROM LTSB

Yorkshire - £498+£102.64+£80 = £680.64 COURT DATE TO BE ADVISED - ALLOCATED TO SMALL CLAIMS TRACK

Citi - £1600+£361.46+£120 = £2081.46 CHEQUE RECEIVED F&F SETTLEMENT 07.06.06

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Thanks for that.I have just been into the branch and after 20 mins in the the queue,was told they would only accept a cheque or cash(wont accept my card):-x My fault really,should have taken my cheque book with me.She will now have to ring them to find outstanding balance as they wouldnt discuss it with me:o

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Under the Data Protection Act they couldn't legally discuss your gf's account with you.

 

I suggest your girlfriend rings YB Visa and asks for the statement date to be changed to a few days later so that her wages will be in the bank when payment is due. Most organisations will do this.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Under the Data Protection Act they couldn't legally discuss your gf's account with you.

 

I suggest your girlfriend rings YB Visa and asks for the statement date to be changed to a few days later so that her wages will be in the bank when payment is due. Most organisations will do this.

 

Ok she rang them and got the total figure for the card balance.I have now paid this off in total and got a receiptso the account is effectively closed(although they dont know that).

Interestingly,I myself have had a letter today about my own card with American Express (no isssues with them) It says that they are have now reduced their charge for late payment from £20 to £8 and basicall all other £20 charges reduced to £8.:o So it looks like the big boys are starting to run scared.Time to give YB Visa a kicking.SAR going off this weekend;)

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Hi

 

Could you let me know how you get on and vice versa as I am in exactly the same position.

 

We have closed my partners Visa account and are claiming back charges etc. He also has his current account with them, which I am also claiming charges back on. The initial DSR letters have been sent and I have heard back from current account saying i will get them in the allowed 40 days. Visa DSR letter only sent today.

 

Good luck with them, hope we both get our partners charges back, and they buy us a nice present as a result! haha

 

Claire

 

Hi

Halifax plc - £1600 WON - received

Halifax plc - £925 WON - received

Halifax plc £370.00 WON - received

 

Yorkshire Bank - £1290 WON - received for boyfriend

 

Back to sort out Credit File and get back on track!

 

HAVE FAITH AND KEEP GOING :p

 

 

 

 

 

 

 

 

 

 

 

 

 

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Hi

 

Could you let me know how you get on and vice versa as I am in exactly the same position.

 

We have closed my partners Visa account and are claiming back charges etc. He also has his current account with them, which I am also claiming charges back on. The initial DSR letters have been sent and I have heard back from current account saying i will get them in the allowed 40 days. Visa DSR letter only sent today.

 

Good luck with them, hope we both get our partners charges back, and they buy us a nice present as a result! haha

 

Claire

 

Hi

Ok Claire,will do.Sending them the SAR this weekend

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Ok gonna do SAR for Visa account this weekend.One question the address in Leeds is box no.Will it be ok to send it there recorded delivery,will there be someone to sign for it?

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I think it will be ok but you could save the expense and get a certificate of posting for free.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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SAR now ready to go.One last question,do I make the £10 cheque payable to Yorkshire Bank plc or to card services as I would normaly do when paying a bill?

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I don't think it would make much difference, but if you only deal with visa maybe it should be them.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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The SAR applies to the subject which is you. If you have a number of different products or accounts with the same organisation you only need to send one SAR and list all the relevant account numbers.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Oh I didnt realise that.There is the Visa account and the current account.So do I send the SAR listing both account numbers and one cheque for £10? If so, I presume that I send it to the manager at the local branch where the current account is held.Rather than making two claims,one against the current account and one against card services

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Yes that would be fine. I think the YB Visa is still administered by the bank so it shouldn't be a problem.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi Folks

Latest update.Sent in the SAR for my girlfriends current acc and Visa acc statements to local branch of YB last Monday.Gf received a reply from Clydesdale today.I must say I havent seen this one before.Letter as follows.

Dear Mrs xxxx

SAR Data Protection act

Thank you for your recent leter in view of your request for details of bank charges.We can confirm that the bank shall be able to supply you with your bank statements from August 2000 which will detail your transactions/ charges.Which is where such information is stored.Before proceeding with your request we require a certified copy of your driving licence or passport.these documents can be certified at your local branch.Please note that we will not cash your cheque until we receive the documentation requested.We look forward to hearing fom you and if you require further assitance,please do not hesitate to contact your local branch.

Yours sincerely

Leyanne Gallagher

Network support.

 

A new twist or what?.They didnt require these docs when slapping the charges on or last week when I paid in over £840 to clear the Visa account

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I have seen other banks do this, but no doubt YB send letters and statements to your gf's address so I don't see why the information requested should be a problem. There is nothing different on offer than has been previously supplied. I notice they are only offering statements which is normal for them, but you could remind them that you are also requesting information on manual intervention, notes etc.

 

The choices are to argue the point or do as they ask. Either way I suggest that you remind them that the 40 days start from when they received the payment, and whether they choose to bank the cheque now or later, the same deadline will apply.

 

Just another delaying tactic. You will get used to it.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks Caro

My thoughts as well.I think they would like us to argue the point to cause a delay.So We will comply with their request on monday.Do you think it would be reasonable to ask for an aknowlegement once they have seen the passport?

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It looks like the passport needs taking to the branch for them to make a certified copy, so maybe you could ask for a copy of what they are using with the date and a signature of someone from the branch. The branch is part of the bank so at that stage the bank will have seen the passport. You will have to leave it until Tuesday due to the bank holiday on Monday.;)

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Passport now certified at local branch and hand delivered today at same branch with a request for copies of all statements relating to both accounts.Lets see how long it takes.They have until october 2nd to comply.;)

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I know we were at similar stages previously, however we received a letter back from Leyanne also, stating the statements would be with us within 40 days, as this is the time they had to comply. No request for id or anything, which is suprising considering we moved house not so long ago, and until recently they still had my partners old addres!!! One rule for one and one for another!!

Statements still not here however - our DPA deadline expires 25/09.

 

Hope you have a bit more luck with them now!

 

Claire

Halifax plc - £1600 WON - received

Halifax plc - £925 WON - received

Halifax plc £370.00 WON - received

 

Yorkshire Bank - £1290 WON - received for boyfriend

 

Back to sort out Credit File and get back on track!

 

HAVE FAITH AND KEEP GOING :p

 

 

 

 

 

 

 

 

 

 

 

 

 

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  • 2 weeks later...

Received statements for Gfs Visa account today along with a letter from network support saying that bank statements to follow when they receive them.I will go through the visa statements later today and tot up the damage.The question now is do I send the prelim letter and start the claim in respect of the visa account.Or should I wait for the bank account statements to arrive,put the whole lot together and make one claim for both accounts:confused:

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Prelim letter sent today,claiming back charges of £658 in respect of the visa account.The statements arrived today for the current account,but havent had time to go through them yet.It will be the weekend end before I get the chance to do this and get the schedule of charges printed out with another prelim letter.If I so wish,can I then send an LBA claiming for both sets of charges after they fob us off? or would it be better to keep both claims separate:confused:

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Similar letter received here. Boyfriends Visa Stats received - £359 in charges. Bank Stats to follow, not received yet, but presume they will be here in next few days.

 

Seems they are working at same speed with us.

 

Maybe we'll get our partners money back at same time!

Halifax plc - £1600 WON - received

Halifax plc - £925 WON - received

Halifax plc £370.00 WON - received

 

Yorkshire Bank - £1290 WON - received for boyfriend

 

Back to sort out Credit File and get back on track!

 

HAVE FAITH AND KEEP GOING :p

 

 

 

 

 

 

 

 

 

 

 

 

 

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Current acc statements at first rough estimate are £2400:o Still not sure if to make two claims or lump it all together.I was wondering if it may be a bit easier with the Visa as they had their fingers rapped over late fees by the OFT.Or am I dreaming and they will be just as awkward over this account:?

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