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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.  

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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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First Letter to My Bank


Lorraine
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This is quite scarly but have posted my letter to Lloyds today requesting 6 years back statements. Cannot wait to find out their response. Hopefully I will get a response in a couple of weeks. Used the standard letter. Have read all your responses and fingers crossed. Not sure how much they have charged me but it is quite a bit. :shock:

Halifax - Since 2003 £1,186 DPA Request: 24.03.06

PRL - sent Recorded 05.04.06

Letter received 07.04.06 - Thanks but No thanks

LBA - 20.04.06 Refused Money Claim filed 08.05.06

Served 14.05 Acknowledged 16.05.06 - 28 days to go

:D WON - PAID IN FULL 25.05.06

Lloyds [/i]- Since 2000 £780.31 - DPA Request: 23.03.06

PRL - sent recorded 10.04.2006

Letter Rec'd 13.04 - Not interested

LBA - 13.04.06 Money Claim filed 25.04.06

Served 01.05.06 & Acknowledged 03.05.06. - 28 days to go

Defence received 25.05 - Here we go

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Went into my branch yesterday - they said they would debit!!!! my account once i have received the statements.

Halifax - Since 2003 £1,186 DPA Request: 24.03.06

PRL - sent Recorded 05.04.06

Letter received 07.04.06 - Thanks but No thanks

LBA - 20.04.06 Refused Money Claim filed 08.05.06

Served 14.05 Acknowledged 16.05.06 - 28 days to go

:D WON - PAID IN FULL 25.05.06

Lloyds [/i]- Since 2000 £780.31 - DPA Request: 23.03.06

PRL - sent recorded 10.04.2006

Letter Rec'd 13.04 - Not interested

LBA - 13.04.06 Money Claim filed 25.04.06

Served 01.05.06 & Acknowledged 03.05.06. - 28 days to go

Defence received 25.05 - Here we go

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Someone else had the same response to the request. My reply:

Could that be a stonewall tactic - I was led to believe from other threads that the clock starts ticking once they have received the money. This sounds like a catch 22.

 

However, you have made the request - did you get a confirmation that the request has been accepted?

 

I think this should be monitored as it could well be a 'get out of jail' tactic by the banks...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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WELL WE BOTH STARTED AT THE SAME TIME LET'S SEE WHO GETS A REPLY FIRST. 8)

Allocation questionaire returned to the court-18/7/06

Allocation Questionaire rec'd dated- 6/7/06

Acknowledgment of Service rec'd full defence- 15/6/06

Reply from solicitors want more info.-14/6/06

Money claim filed £1653 - 7/6/06

Reply rec'd to LBA-27/5/06

LBA sent - 19/5/06

Reply from LLoyds TSB a big fat NO - 12/5/06

1st request for payment sent - 09/05/06

Statements Rec'd - 21/4/06

Data Protection Act request sent to Lloyds - 22/3/06

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as you can see from my thread, my branch has had my reminder letter and my money by recorded delivery and they haven't banked the cheque yet!

 

Am going to ask for copy of the signatory to back me up further seeing as they may be stonewalling.

 

LOULA

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Hi - nice to see you all reading my profile. Spoken to the Bank again today. They are prepared to debit my account. I will keep you posted. Also spoken to Halifax who I am also doing - they charge £5.00 and would be happy to do it over the telephone!!!!! Said I would write letter!!! Will be interesting to find out if they are "stone walling" as you put it. Will keep you posted on the date of their response. They must be getting inundated with requests and if they havent cottoned on yet, they soon will!!!!

:lol:

Halifax - Since 2003 £1,186 DPA Request: 24.03.06

PRL - sent Recorded 05.04.06

Letter received 07.04.06 - Thanks but No thanks

LBA - 20.04.06 Refused Money Claim filed 08.05.06

Served 14.05 Acknowledged 16.05.06 - 28 days to go

:D WON - PAID IN FULL 25.05.06

Lloyds [/i]- Since 2000 £780.31 - DPA Request: 23.03.06

PRL - sent recorded 10.04.2006

Letter Rec'd 13.04 - Not interested

LBA - 13.04.06 Money Claim filed 25.04.06

Served 01.05.06 & Acknowledged 03.05.06. - 28 days to go

Defence received 25.05 - Here we go

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Just to keep you in the loop - my statements arrived today. Had a quick look before work - looks good to me. Had no problems - ordered last week and payment via debit as requested. No problems. Now the hard work begins tonight - taking highlighter pens home today!!!!! Will keep you updated.

Lorraine

Halifax - Since 2003 £1,186 DPA Request: 24.03.06

PRL - sent Recorded 05.04.06

Letter received 07.04.06 - Thanks but No thanks

LBA - 20.04.06 Refused Money Claim filed 08.05.06

Served 14.05 Acknowledged 16.05.06 - 28 days to go

:D WON - PAID IN FULL 25.05.06

Lloyds [/i]- Since 2000 £780.31 - DPA Request: 23.03.06

PRL - sent recorded 10.04.2006

Letter Rec'd 13.04 - Not interested

LBA - 13.04.06 Money Claim filed 25.04.06

Served 01.05.06 & Acknowledged 03.05.06. - 28 days to go

Defence received 25.05 - Here we go

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  • 2 weeks later...

Just to let you know, received nearly all the statements. Had to call again today, they missed 1 year out. Total charges - about £600. Received a letter which I need help with.

 

"I note in your letter that you mention manual intervention on your account. I would be very grateful if you could clarify what is meant by this and what information you require. If this relates to the application of charges to your account or the returning of items etc, the sytem automatically decides on what is returned or paid and applies the relevant charge to your account."

 

Help - bank nonsence to me, but I think it relates to the 1st letter - the last paragraph. Can anyone help.

Halifax - Since 2003 £1,186 DPA Request: 24.03.06

PRL - sent Recorded 05.04.06

Letter received 07.04.06 - Thanks but No thanks

LBA - 20.04.06 Refused Money Claim filed 08.05.06

Served 14.05 Acknowledged 16.05.06 - 28 days to go

:D WON - PAID IN FULL 25.05.06

Lloyds [/i]- Since 2000 £780.31 - DPA Request: 23.03.06

PRL - sent recorded 10.04.2006

Letter Rec'd 13.04 - Not interested

LBA - 13.04.06 Money Claim filed 25.04.06

Served 01.05.06 & Acknowledged 03.05.06. - 28 days to go

Defence received 25.05 - Here we go

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Just to let you know, received nearly all the statements. Had to call again today, they missed 1 year out. Total charges - about £600. Received a letter which I need help with.

 

"I note in your letter that you mention manual intervention on your account. I would be very grateful if you could clarify what is meant by this and what information you require. If this relates to the application of charges to your account or the returning of items etc, the sytem automatically decides on what is returned or paid and applies the relevant charge to your account."

 

Help - bank nonsence to me, but I think it relates to the 1st letter - the last paragraph. Can anyone help.

Quite interesting that they are actually admitting that it is "the system" that does all the hard work. Are they paying "the system" 35 pounds? Tut

Lloyds TSB claim £1896.27

Need to send DPA to Barclaycard and Barclays Bank

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Just to let you know, received nearly all the statements. Had to call again today, they missed 1 year out. Total charges - about £600. Received a letter which I need help with.

 

"I note in your letter that you mention manual intervention on your account. I would be very grateful if you could clarify what is meant by this and what information you require. If this relates to the application of charges to your account or the returning of items etc, the sytem automatically decides on what is returned or paid and applies the relevant charge to your account."

 

Help - bank nonsence to me, but I think it relates to the 1st letter - the last paragraph. Can anyone help.

 

The last paragraph is in response to a request to know if human beings had been invovolved in the imposition of charges.

 

This is an important letter, can you scan and email it [email protected],uk

The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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Thank you for your reply.

Have scanned and sent it to you via the email address you gave me.

Halifax - Since 2003 £1,186 DPA Request: 24.03.06

PRL - sent Recorded 05.04.06

Letter received 07.04.06 - Thanks but No thanks

LBA - 20.04.06 Refused Money Claim filed 08.05.06

Served 14.05 Acknowledged 16.05.06 - 28 days to go

:D WON - PAID IN FULL 25.05.06

Lloyds [/i]- Since 2000 £780.31 - DPA Request: 23.03.06

PRL - sent recorded 10.04.2006

Letter Rec'd 13.04 - Not interested

LBA - 13.04.06 Money Claim filed 25.04.06

Served 01.05.06 & Acknowledged 03.05.06. - 28 days to go

Defence received 25.05 - Here we go

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  • 2 weeks later...

Just read some other peoples threads - they have received the same letter as I have today.

Guess what - yes from David Just - he must be a busy man.

 

Cannot recall the next action though - do I wait until the 14 days I gave them in my first repayment letter - or now because they have replied to that letter - send another letter giving them another 14 days before court. Not sure which way to go.???

Halifax - Since 2003 £1,186 DPA Request: 24.03.06

PRL - sent Recorded 05.04.06

Letter received 07.04.06 - Thanks but No thanks

LBA - 20.04.06 Refused Money Claim filed 08.05.06

Served 14.05 Acknowledged 16.05.06 - 28 days to go

:D WON - PAID IN FULL 25.05.06

Lloyds [/i]- Since 2000 £780.31 - DPA Request: 23.03.06

PRL - sent recorded 10.04.2006

Letter Rec'd 13.04 - Not interested

LBA - 13.04.06 Money Claim filed 25.04.06

Served 01.05.06 & Acknowledged 03.05.06. - 28 days to go

Defence received 25.05 - Here we go

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Just an Update - Letter Before Action found in Library - where i should have looked before - and have sent recorded delivery today. Await 14 days!!!!!

Halifax - Since 2003 £1,186 DPA Request: 24.03.06

PRL - sent Recorded 05.04.06

Letter received 07.04.06 - Thanks but No thanks

LBA - 20.04.06 Refused Money Claim filed 08.05.06

Served 14.05 Acknowledged 16.05.06 - 28 days to go

:D WON - PAID IN FULL 25.05.06

Lloyds [/i]- Since 2000 £780.31 - DPA Request: 23.03.06

PRL - sent recorded 10.04.2006

Letter Rec'd 13.04 - Not interested

LBA - 13.04.06 Money Claim filed 25.04.06

Served 01.05.06 & Acknowledged 03.05.06. - 28 days to go

Defence received 25.05 - Here we go

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Hi,

 

I need help. Sent my last letter -Letter Before Action on 13th April. They are not at all interested in refunding my money. Keep referring to Financial Ombudsman Service. I think my next action is COURT but need some assistance to do so. What comes first?

Halifax - Since 2003 £1,186 DPA Request: 24.03.06

PRL - sent Recorded 05.04.06

Letter received 07.04.06 - Thanks but No thanks

LBA - 20.04.06 Refused Money Claim filed 08.05.06

Served 14.05 Acknowledged 16.05.06 - 28 days to go

:D WON - PAID IN FULL 25.05.06

Lloyds [/i]- Since 2000 £780.31 - DPA Request: 23.03.06

PRL - sent recorded 10.04.2006

Letter Rec'd 13.04 - Not interested

LBA - 13.04.06 Money Claim filed 25.04.06

Served 01.05.06 & Acknowledged 03.05.06. - 28 days to go

Defence received 25.05 - Here we go

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Hi,

 

I need help. Sent my last letter -Letter Before Action on 13th April. They are not at all interested in refunding my money. Keep referring to Financial Ombudsman Service. I think my next action is COURT but need some assistance to do so. What comes first?

 

 

Again HELP!!!

Halifax - Since 2003 £1,186 DPA Request: 24.03.06

PRL - sent Recorded 05.04.06

Letter received 07.04.06 - Thanks but No thanks

LBA - 20.04.06 Refused Money Claim filed 08.05.06

Served 14.05 Acknowledged 16.05.06 - 28 days to go

:D WON - PAID IN FULL 25.05.06

Lloyds [/i]- Since 2000 £780.31 - DPA Request: 23.03.06

PRL - sent recorded 10.04.2006

Letter Rec'd 13.04 - Not interested

LBA - 13.04.06 Money Claim filed 25.04.06

Served 01.05.06 & Acknowledged 03.05.06. - 28 days to go

Defence received 25.05 - Here we go

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Come on Lloyds

 

Just been on line and filed the claim - YES - People Power.:lol:

Laughing all the way - come and get it Lloyds.

Halifax - Since 2003 £1,186 DPA Request: 24.03.06

PRL - sent Recorded 05.04.06

Letter received 07.04.06 - Thanks but No thanks

LBA - 20.04.06 Refused Money Claim filed 08.05.06

Served 14.05 Acknowledged 16.05.06 - 28 days to go

:D WON - PAID IN FULL 25.05.06

Lloyds [/i]- Since 2000 £780.31 - DPA Request: 23.03.06

PRL - sent recorded 10.04.2006

Letter Rec'd 13.04 - Not interested

LBA - 13.04.06 Money Claim filed 25.04.06

Served 01.05.06 & Acknowledged 03.05.06. - 28 days to go

Defence received 25.05 - Here we go

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Keep us updated Lorraine, we wait with eager anticipation.

 

Good Luck

Lloyds TSB

15/06/06 Settled in full

British Credit Trust

08/06/06 LBA Letter Sent

First National

30/06/06 Money Claim 6QZ55487

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Filed Money Claim online and await Llolyds response. They have till the 15th May. See what comes.

Thanks for the encouragement - comments like these keeps everyone going:razz:

Halifax - Since 2003 £1,186 DPA Request: 24.03.06

PRL - sent Recorded 05.04.06

Letter received 07.04.06 - Thanks but No thanks

LBA - 20.04.06 Refused Money Claim filed 08.05.06

Served 14.05 Acknowledged 16.05.06 - 28 days to go

:D WON - PAID IN FULL 25.05.06

Lloyds [/i]- Since 2000 £780.31 - DPA Request: 23.03.06

PRL - sent recorded 10.04.2006

Letter Rec'd 13.04 - Not interested

LBA - 13.04.06 Money Claim filed 25.04.06

Served 01.05.06 & Acknowledged 03.05.06. - 28 days to go

Defence received 25.05 - Here we go

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Filed Money claim and Lloyds have acknowledged it on 5/5/06 - now 28 days to go.

 

Not sure what it means so if anyone can enlighten me "acknowledged" does this mean they are going to defend???:-?

Halifax - Since 2003 £1,186 DPA Request: 24.03.06

PRL - sent Recorded 05.04.06

Letter received 07.04.06 - Thanks but No thanks

LBA - 20.04.06 Refused Money Claim filed 08.05.06

Served 14.05 Acknowledged 16.05.06 - 28 days to go

:D WON - PAID IN FULL 25.05.06

Lloyds [/i]- Since 2000 £780.31 - DPA Request: 23.03.06

PRL - sent recorded 10.04.2006

Letter Rec'd 13.04 - Not interested

LBA - 13.04.06 Money Claim filed 25.04.06

Served 01.05.06 & Acknowledged 03.05.06. - 28 days to go

Defence received 25.05 - Here we go

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You should get a letter from moneyclaim telling you whether they have acknowledged accepted full or partial liabillity or whether they are going to defend the whole amount. If they are defending they will then have a further 14 days to file their defence.

 

If they don't file whithin 28 days of the issue hit the judgement button:D :D

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:?: :?: Received Notice of Acknowledgement today.

 

Called a Response Pack Lloyds are defending whole of the claim - Martineau Johnson - their solicitors I think. Do I do anything???

 

Can anyone now tell me the next stage - I believe I receive something which I then need to fill in and send back.

 

:?: Shall I start the revision process?????? get prepared for court -

 

Questions, questions, please help

 

Lorraine

:-(

Halifax - Since 2003 £1,186 DPA Request: 24.03.06

PRL - sent Recorded 05.04.06

Letter received 07.04.06 - Thanks but No thanks

LBA - 20.04.06 Refused Money Claim filed 08.05.06

Served 14.05 Acknowledged 16.05.06 - 28 days to go

:D WON - PAID IN FULL 25.05.06

Lloyds [/i]- Since 2000 £780.31 - DPA Request: 23.03.06

PRL - sent recorded 10.04.2006

Letter Rec'd 13.04 - Not interested

LBA - 13.04.06 Money Claim filed 25.04.06

Served 01.05.06 & Acknowledged 03.05.06. - 28 days to go

Defence received 25.05 - Here we go

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Although i doubt it will get that far i would read up for court anyway m8.

 

Best be prepared for the worst then it makes you feel better when it doesnt happen.:)

  • Confused 1

Data Protection Act Request sent 22nd April 2006 (recorded delivery) to Penny Berryman 40 days up on 1st June 2006.

 

Statements recieved 5th May 2006

Claiming back = £3913.65

 

Preliminary Letter Sent 5th May (recorded delivery) to Customer Care, Birmingham. Told me to sod off on the 9th May

 

Letter Before Action Sent 9th May (recorded delivery) to Customer Care, Birmingham. Told me to sod off on the 12th May

 

Moneyclaim filed issued 6th June (14 days to reply) Time up on 20th June.

 

Acknowledged 15th June (28 days to defence)

Time up on 13th July.

 

Defence Recieved 7th July

 

Going Before the Judge 15th September

 

Court Date 5th December

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