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    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
    • Hmm, that's strange how they got my email then.  I assume the below is ok to send to DCBL, Nicky?  Hello, I am writing regarding our ongoing dispute and the upcoming court claim reference xxxxxxxx. To ensure fairness and transparency in our communications leading up to the court hearing, I request that you use postal mail exclusively for all further correspondence related to this claim. Please refrain from sending any communication or documents via email. Thank you for your understanding and cooperation. If you have any questions or need clarification, please feel free to contact me via postal mail at the address provided above. Yours sincerely, xxxx
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barclaycard help needed


whipsey
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i currently owe 733.04 to my barclaycard which had a limit of 300 am i still able to apply for a refund of excessive charges now that the banks etc have won in court?

 

Firstly, the banks have not won in court (have a read around the forums).

 

Secondly, the Supreme Court case was not to do with credit cards but bank charges I believe.

 

Hope this helps,

 

M

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ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

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Hi, whipsey.

 

Like MandM says, the test case had nothing to do with Credit Cards, get your claim in.

 

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

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Hi Whipsey, posted on your other thread.

 

M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Hi Whipsey,

 

I see you started the reclaiming process long ago but didn't follow it up. If you are going to do this now, stick to your deadlines and follow up any threats with positive action. ;)

 

Start the process from scratch. Get all your statements together and, if you are missing any, send off a SAR with the £10 to get them from BC.

 

Use this letter as your Prelim and your LBA, adapted as nec'y.

 

Decide if you just want the charges back, or you want to claim the charges plus interest at BC's contractual rate. Read up on this in the Interest Tutorial in my signature below.

 

If you just want the charges back, BC will refund them in full without you having to file at court.

 

If you want contractual interest, you'll have to file a court claim, pay court fees (reclaimable) and prepare your evidence or Court Bundle. The financial rewards can be significant.

 

It may help you decide if you calculate the contractual interest using the spreadsheet mentioned in the Int't Tutorial (under the heading Credit Cards), so you can see how much more you can claim.

 

BC will refuse to pay all the way up to a court hearing but will usually back down and cough up. :)

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Never mind in your hand !!

 

Get it posted off. ;)

 

:)

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Hi whipsey.

 

Why do you believe the amount is in dispute? (out of interest)

 

M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Sorry whipsey, just had a read back through the thread so back up to speed now :D.

 

I see Slick said to adapt the letter to use it as your LBA, which sounds pretty terminal :). (I really should read back further lol) so as the amount is in dispute. There is a letter in the template libraries I believe which should cover this. You OK finding one?

 

M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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When you get the SAR response, you should be able to see how the a/c balance got to it's present level.

 

The a/c is not in dispute yet as there is no claim underway and no CCA request or SAR deadline has passed.

 

If you don't make monthly payments to the a/c, the debt collection monkeys will be on your back.

Edited by slick132
typo

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When you get the SAR response, you should be able to see how the a/c balance got to it's present level.

 

The a/c is not in dispute yet as there is no claim underway and no CCA request or SAR deadline has passed.

 

If you don't make monthly payments to the ac/, the debt collection monkeys will be on your back.

 

My apologies, I assumed (wrongly) that you were beyond CCA request stage.

 

M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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  • 1 month later...

They may well make a lower offer initially but will change their tune quickly enough when you make the right response.

 

:)

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  • 5 months later...

right i'm still gettin no where with this and am ready to send off a claim to the court but cant find the section on how to do this i remember using moneyclaim online but not sure what to write on it any help will be appreciated

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Can you tell us what's happened since your last post. Did you claim back the charges alone or with contractual interest on top.

 

How did BC respond.

 

Don't use MCOL if you can avoid it - issue proceedings at your local county court. Use the BC POC's linked in the Stickies.

:)

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