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    • Wait until you get a refund from the purchaser before accepting anything else. Please will you post up the text of the email that you received.  Make sure that you look after the text that you received from the purchaser
    • I’ve just received a letter from a debt collection agency called Intrum about an old Halifax credit card debt, they have never been in touch before and the letter says that because I have failed to contact them they are passing on to a company called Resolvecall who specialise in home visits. This debt is from about 14 years ago when I got into some financial trouble, I had a default on file but that dropped off around 4 years ago. Is there anything I can do with this as I don’t really want people coming to my house, thanks in advance? 
    • Just wanted to check if anyone knows, I'm in the process of retrieving the transcript. There was no time frame given in the appeal judges directions, does this mean none applies or is there an unwritten timeframe that applies as a default for these things? 
    • I left a trustpilot review and P2g have emailed me with the obligatory apology and have refunded the postage costs and are will to give £10 extra pre pay as a good will gesture. However,  as i wrote this the Buyer has just txt.me.to say they have received the parcel !  So obviously im now going.to suggest that she pays via Paypal ... I rang her this morning to see if it had arrived but she said she was on holiday and there was someone in her house she would have to contact to see if it had arrived which she obviously has ... So now i know its been delivered i cant go for P2g But i Can accept the exta £10 ...
    • The defendant in this case is Parcel2Go.com Limited The claimant sent a parcel using Parcel2Go Ltd as a broker and Evri as the shipper via the Defendant's service containing which contained two handmade bespoke wedding trays to a customer with  under  tracking number P2Gxxxxxxxx. The parcel was never delivered although the defendant stated that three attempts had been made to deliver the parcel.  The claimants customer waited in for four days to receive the delivery but no delivery was attempted. There was no communication with the claimants customer.  Despite many web chats and emails the parcel was not delivered and on the Parcel2Go website it stated that the customer had refused delivery. This was not true as no delivery had been attempted.  I was The Defendant informed me that the parcel was being returned to me but after waiting three weeks I was informed by the courier that the parcel was lost. I was offered compensation of £20 + shipping fee which I refused and after sending Parcel2Go a Letter of claim this was increased to £75 which I also refused. The Claimant did not purchase the Defendant's insurance policy as requiring people to pay extra for rights already guaranteed under the consumer rights act 2015 is contrary to section 57 and 72 and therefore unenforceable. The Claimant rejected the Defendant's standard compensation offer. It is clear that the defendant is responsible for the loss of the parcel as they did not act with reasonable care and skill when handling the claimants parcel, contrary to section 49 of the Consumer Rights Act 2015.   By failing to ensure the safe delivery of the Claimant's parcel the Defendant breached section 49 of the CRA 2015.   AND THE CLAIMANT CLAIMS £370.00 being the value of the lost goods £xx.xx being the price of shipping and interest pursuant to s69 cca 1984.   See what BF thinks but I think something like this is better. Remember you are suing P2G not evri.
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      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.
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Sheriff puts Bank of Scotland to proof on bank charges


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I thought that might happen, so I have a copy if anybody wants one.;)

 

Els

 

I would like to see a copy of that please.

 

I have been involved in a stand off with the bank but they seem to be moving in again.

 

I am going to start a new claim as the FOS put my last one on hold then dropped it after the high court decision on fairness.

 

I now need to submit a new claim.

 

Where should I go from here?

 

Thanks

Gloyal

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BUMP on #725

 

Kenny, go to the first post in this thread, click on the GLC link hten check out their arichive pages for the answer you seek :)

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5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 2 weeks later...

Well CitizenB - I've been through all the 2010 archived pages at GLC and, yes, there is reference to the various 'shenanigans' of SharpvBOS and Walls v Santander but I still can't find a date for the hearing. I did leave a question on the GLC site some time ago but can't find my darned way back to it to see if they replied!

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Yeah, the recent "site upgrade" makes it damn near impossible to check what you, or others wrote some time back, or even find old and useful threads.

 

In my view, this makes the Nu CAG a poorer place. All that has been achieved by the hard work many many Caggers over the last four years has been lost.

 

If not, show me where I can find, say all of PT2537's posts and threads.

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Yeah, the recent "site upgrade" makes it damn near impossible to check what you, or others wrote some time back, or even find old and useful threads.

 

In my view, this makes the Nu CAG a poorer place. All that has been achieved by the hard work many many Caggers over the last four years has been lost.

 

 

If not, show me where I can find, say all of PT2537's posts and threads.

 

noomill, top right hand side of screen.. click on "Advanced search" and pop in pt2537 in the "user name" box. Tick whatever you want to be searched for ... there is a box for "posts" and you should bring up all posts made by pt :)

 

 

 

 

HTH

Edited by citizenB
removed non working link

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Or go to the user's profile page where you will be able to find links to all posts or threads for that user.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi Kenny

 

Why not just Google 'Sharp v Bank of Scotland' ...... there's a few sites on there ......... bound to be an answer to your query amongst that lot ! :-)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Try searching on this thread for posts from "Mike" or GLC. I know Mike Dailly of Govan Law Centre did post just after one of the cases was heard - but not sure exactlky when or what his ID was. Have you checked the Govan Law Centre site?

 

BD

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http://www.consumeractiongroup.co.uk/forum/showthread.php?267929-Santander-succeed-in-having-charges-case-removed-from-small-claims-track&p=3052003&viewfull=1#post3052003

 

Quick note to say we haven't advised any of our clients to give up!

 

We've enrolled a motion to sist (stay) in Walls v. Santander UK plc pending an application to the European Court of Human Rights (ECtHR) in Walls v. United Kingdom. The ECtHR has to first determine whether the application is admissible (having regard to its new, revised criteria). Admittedly, the ECtHR process is slow, but that does not cause any difficulty.

 

Essentially, this approach is designed to preserve our client's rights, prompt law reform, and also to potentially protect the rights of other consumers who have to drop the cases for fear of costs i.e. because if the ECtHR case was successful (in principle) certain consumers might be entitled to sue the state for damages. Not ideal, as it should be the banks, but at least it could preserve a right to recompense for disenfranchised citizens.

 

The key target is of course the banks and their unfair charges. In that regard, we have a number of cases proceeding (including Sharp v. Bank of Scotland plc, and Reid v. Clydesdale Bank plc, among others).

 

The banks have put forward highly technical and complex legal defences which will require to be 'debated'. It won't be easy, they are throwing a lot of money at defending these cases, and we do not underestimate the challenge, however, I anticipate having a decision on the banks relevancy and competency defences later this year.

 

So, at present there is no reason to give up hope.

 

Mike

Govan Law Centre

 

 

M1

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I agree with elsa Mike ....thanks for the update .....it'll give our Caggers hope that all is still to play for ...

 

I will copy the shortcut to your post #739 - it'll help a lot .....

 

Thanks again

John

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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I agree with elsa Mike ....thanks for the update .....it'll give our Caggers hope that all is still to play for ...

 

I will copy the shortcut to your post #739 - it'll help a lot .....

 

Thanks again

John

 

 

Please use the link i posted to Mike's post and not to my post so i don't get pm's that i can't answer.

 

M1

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OOps ! looks like I missed that one from July :oops:.... but not to worry I think it's still a strong encouragement :-D............

 

OK M1 point taken - I'll use Mike's post .....

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Not totally favourable ...... the SC left the door open for claims under other sections of the regs .......pity they hadn't directed that these were operable.....

 

But I think the banks are trying to close loopholes - with a bit of luck they'll shoot themselves in the foot again ....as they did after telling the SC that charges were part of their operating profit ......... having told their customers that that was what it cost them to deal with overdrafts etc .

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Not totally favourable ...... the SC left the door open for claims under other sections of the regs .......pity they hadn't directed that these were operable.....

 

But I think the banks are trying to close loopholes - with a bit of luck they'll shoot themselves in the foot again ....as they did after telling the SC that charges were part of their operating profit ......... having told their customers that that was what it cost them to deal with overdrafts etc .

 

Not to be picky JM but the same section of the regs can still be used but the REASON/ARGUMENT can not be based on level/price.

 

sorry just to be clear ......

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mystery1 - very timely info; I wasn't seeking strategic info just where we are at, and what directions were issued at the last hearing. Hadn't seen the despicable Angela 'crowing' so I gathered the banks had not won. Had heard undertones re Walls but had lost all trace of Sharp. Will the grounds being deployed in the Sharp case be 'debated' in court and if so when?

I anticipate having a decision on the banks relevancy and competency defences later this year.

 

Again any ideas as to timing?

Never will 'give up hope'.

Ken

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