Jump to content


  • Tweets

  • Posts

    • I'm trying to unravel this – but I get the impression that there was no contract between you and EVRi and that you didn't even choose them but instead you decided use some third party parcel broker in the USA which organised the delivery. Is this correct? EVRi came into the picture because they would then eventually selected for part of the journey although you had no knowledge that it might be them and I suppose it didn't really matter as long as the item got to you. Secondly, I really don't understand the journey which this item made. You bought the item from somebody in the USA. They then were meant to dispatch it to you to another address in the USA but for some reason or other it came to the UK and then into the hands of EVRi at which point it was lost or stolen. More confusion here because you now tell us that EVRi marked it as being out for delivery but it was never delivered. This suggests that it was going to be delivered to a UK address but earlier on you said that it was going to be delivered to USA address. I think you need to look at the story. Maybe show it to a friend of yours who is not particularly where the details and ask them if they can make head or tail of it and then come back to us with clarification so that we fully understand. Also, I think we'd like to know what the item is, how was it declared, what was the value which was declared. You said it was a valuable item because it was rare and collectable. I gather from this that it is non-fungible. We need to understand more about this. Was an insurance policy purchased to cover it during the delivery process. I understand that this rare and collectable item be valued at £200. Have evidence this value. This could become very important. Also you have given is no idea when this happened. We need to understand the full timescale. There are a number of possibilities here including the possibility of the contract action against EVRi on the basis of your third party rights or an action for negligence but we need to know far more and we need to get a story that makes sense.   Finally, I understand that you have sent the letter of claim. What did it say? How much time did you give them? What did you expect to happen as a result of the letter of claim? Whatever the answers to those questions might be, clearly you had no idea how to proceed after having sent such a letter. A letter of claim is meant to be a serious threat of some legal action if some condition which you have stipulated is not complied with. You set a deadline for compliance and at the end of that deadline you issue the court action. Clearly you are not in a position to do that so your letter of claim is a bluff and undermines your credibility and it will find its way into the EVRi wastepaper basket – if it's not there already.  
    • Good morning. I just wanted to check something please. The other side have moved slightly and negotiated a full and final offer price to end this matter. I am happy with this. However, I want to make sure this is the end of the matter and am emailing the following over to them prior to payment. Is this enough to ensure they can come back for nothing else? Thanks -------------------------------------------------- Dear Sir.   With regards your last email below.   I am pleased to agree to the full and final settlement figure given below.   Can you confirm this payment will be in full and final payment with no further claim to be brought against me in this matter?   Best regards
    • 100% sure I didn't receive it, that why my first post is with the £100 letter.
    • Engine, the technology business Starling Bank was built on, has been busy launching banks around the world, from Romania to Australia.View the full article
    • use this your WS and inc this as an exhibit off to bed now 3 nights been up till 4am aurora watching wont be on too early as it's lambing season out herding with the dog. your WS main thrust is the debt would now be SB'd , the DN was filed xxxyrs+months after it should have been thus unlawfully extending  SB date to infinity. highlight their admittance regarding errors at that time period in your 'redetermination'  paragraph. agreements unreadable. would have already been written off due to SLC age write off criteria has they not issued the claim to stop the SB clock when they had no paperwork to prove their case in the 1st place. never earned over threshold. dx       Erudio - stopped sending email deferments won at FOS DRN-4141462.pdf
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

jane V Natwest ***WON***


jane641
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6395 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

 

Have been using this site for some time now and have asked a couple of questions in the past but thought I would start up a proper thread as I have a feeling I will need some help over the next few weeks!

 

I am currently in the position where I have sent off both prelim letter and LBA to Natwest.

I received the usual reply to prelim letter and so followed this with LBA. Deadline for them is tomorrow and have yet to hear so looks like I will be filing a claim tomorrow (as I expected anyway!)

 

Will fill you in as this progresses and I hope all your claims are going well.

 

Jane

 

 

Statements request: 29/5/06

Prelim sent: 23/7/06

LBA sent: 7/8/06

Link to post
Share on other sites

  • Replies 53
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi,

 

I am trying to fill out money claim form and am a little stuck!

I am filling out the particulars of claim part and just wondered do I copy and paste the 'particluars of claim' bit in the step by step guide? i.e:

 

[IN THE ANYWHERE COUNTY COURT

 

BETWEEN

 

JOE BLOGGS CLAIMANT

 

And

 

GRABBBIT BANK LTD DEFENDANT

 

 

PARTICULARS OF CLAIM

 

 

1. The Claimant [has] [had] an account 1 ("the Account") with the Defendant which was opened on or around 2 [and closed on or around 2 ]

 

2. During the period in which the Account [has been] [was] operating the Defendant debited numerous charges to the Account in respect of purported breaches of contract on the part of the Claimant and also charged interest on the charges once applied. The Claimant understands that the Defendant contends that the charges were debited in accordance with the terms of the contract between itself and the Claimant.

 

3. A list of the charges applied is attached to these particulars of claim.

 

4. The Claimant contends that:

 

a) The charges debited to the Account are punitive in nature; are not a genuine pre-estimate of cost incurred by the Defendant; exceed any alleged actual loss to the Defendant in respect of any breaches of contract on the part of the Claimant; and are not intended to represent or related to any alleged actual loss, but instead unduly enrich the Defendant which exercises the contractual term in respect of such charges with a view to profit.

 

b) The contractual provision that permits the Defendant to levy such charges is unenforceable by virtue of the Unfair Contract Terms in Consumer Contracts Regulations (1999), the Unfair Contract Terms Act 1977 and the common law.

 

5. Accordingly the Claimant claims:

 

a) the return of the amounts debited in respect of charges in the sum of £ 3 and any interest charged thereon;

 

b) a declaration from this honourable court that the term of the contract leading to the application of the charges is unenforceable;

 

c) Court costs;

 

d) Interest pursuant to section 69 County Courts Act as set out on the attached list of charges or at such rate and for such periods as the court deems just.

 

I believe that the contents of these particulars of claim are true

 

 

Signed:

 

 

Date:

 

Obviously I can't sign it so do I delete this bit. Also there are too many characters for the section.

Secondly (sorry for all the questions) when I add the amount do I put the interest in with that now or add later on in form?

 

Thanks,

Jane

Link to post
Share on other sites

I submitted my MCOL yesterday and am now worrying!!

I didn't add a list of all my charges with it as there was no place to put these.

Should I have done?

I have sent a statement of charges with both my prelim letter and my LBA, should I have attached it to this too and if so how?!

Thanks

Link to post
Share on other sites

Dont worry. There is no section to add the charges on MCOL as it is not necessary. As long as you have provided the bank with details of what you are charging - which you have done with both your prelim letter and LBA - you'll be fine.

 

Now its time to just sit back and wait.

 

Do keep us posted!

Link to post
Share on other sites

Thanks for reply.

 

I have just received another damn charge from bank (paypal's fault as they took out a payment from ebay twice by accident causing me to go over OD!). Does anyone know if I can add this onto the charges I am claiming?

Link to post
Share on other sites

Hi,

 

Thought I'd update you all.

Put in claim on 25th August. Received notice of issue from courts which said that claim was issued on 29th Aug and deemed to be served on 3rd Sept.

 

Yesterday I then recived an acknowledgment of service from the court dated on the front 31st Aug, but then on the actual 'acknowledment of service' from Cobbetts it was dated 30th Aug.

Which date do I count the 28 days from as I have so many dates!??

The form from the courts advises "28 days from the date of service of the claim form". Does this mean the 30th Aug which is the date Cobbetts have put?

Sorry if confusing, just wanted to make sure I have it right!!

 

Jane

Link to post
Share on other sites

  • 3 weeks later...

Still waiting and not heard anything yet.

Have worked out that 28 days must be up on 27/9/06 so I can apply for judgment on 28/9.

I expect Cobbets will submit a defence at the last minute though, as usual!

Link to post
Share on other sites

Well, yesterday was deadline day for bank to submit a defence (as far as I could make out) so I have just tried to apply for judgment on MCOL but have not been allowed to.

I assume this either means the bank have filed a defence at the last minute or I got the date wrong by a day! I was not entirely sure whether it was yesterday or today anyway.

Will try to apply for judgment again tomorrow and also keep my eye on the post!

Link to post
Share on other sites

Well, yesterday was deadline day for bank to submit a defence (as far as I could make out) so I have just tried to apply for judgment on MCOL but have not been allowed to.

I assume this either means the bank have filed a defence at the last minute or I got the date wrong by a day! I was not entirely sure whether it was yesterday or today anyway.

Will try to apply for judgment again tomorrow and also keep my eye on the post!

 

I make it 1st October as 28 days from date claim was deemed to be served

Consumer Health Forums - where you can discuss any health or relationship matters.

Link to post
Share on other sites

Thanks gizmo111.

I was unsure of what date to use. Have read through loads of threads to see, but it appears lots of people get confused due to having so many different dates and the date that it is deemed to be served is always after the date it was actually served on!

Will try to apply for judgment on the 2nd Sept then.

Thanks

Link to post
Share on other sites

Well, have gone on to money claim today and there is no longer a link under 'judgment' for me to apply so I assume this means that a defence has been submitted??

I suppose I must wait for something to come in the post now. More waiting!

Link to post
Share on other sites

Well, have gone on to money claim today and there is no longer a link under 'judgment' for me to apply so I assume this means that a defence has been submitted??

I suppose I must wait for something to come in the post now. More waiting!

 

Nat west are great at filing defences on day 28

Consumer Health Forums - where you can discuss any health or relationship matters.

Link to post
Share on other sites

Well, I returned from work yesterday to find the defence from Cobbetts had arrived. It's very long but appears similar to others that I have read on here.

They are asking for CPR 18 (surprise surprise) and details of my claim (which I already sent to the bank on two occassions).

I will be sending them a letter today which I drafted from other threads which goes like this:

Dear Sir or Madam:

 

Claim No:

 

 

I Acknowledge the receipt of the defence posted on behalf of National Westminster Bank plc.

 

I anticipate that the claim will be allocated to the small claims track and would not then expect to have to deal with a Part 18 request since these are specifically excluded under Part 27 unless the court specifically orders me to do so of its own initiative

 

Furthermore I consider that the CPR part 18 request is intimidatory and I intend to bring the intimidation to the notice of the court. However, for clarity, I confirm the charges I am claiming were applied to the following account:

 

Account Name:

Account number:

Sort Code:

 

Please also find enclosed a breakdown of all charges I am claiming.

 

Yours sincerely

 

I also received my AQ from the courts this morning so it seems things are moving forward!

Link to post
Share on other sites

Hi,

A couple more questions!

Does anyone know if we get the £100 back that we have to pay with the AQ?

Also, after I send off AQ what happens then? The Step-by-step instructions seem to stop there but I have read on other threads about the bank having so long to fill theirs out too - is this right? And if they don't do their's in that time what happens?

Thanks,

Jane

Link to post
Share on other sites

Hi,

A couple more questions!

Does anyone know if we get the £100 back that we have to pay with the AQ?

Also, after I send off AQ what happens then? The Step-by-step instructions seem to stop there but I have read on other threads about the bank having so long to fill theirs out too - is this right? And if they don't do their's in that time what happens?

Thanks,

Jane

 

Yes AFAIK we get it back - the bank have the same time as you to send back AQ - suspect if they don't reply then it gets struck out but am not sure on that.

Consumer Health Forums - where you can discuss any health or relationship matters.

Link to post
Share on other sites

Thanks.

What do you think is the best way to pay the AQ fee?

May sound silly but should I pay by cheque, cash (special delivery) or postal order?

If cheque who do I make it out to?

 

I paid mine cheque to Bristol County Court and sent by normal post - the cheques showed up as cashed on online banking a few days later.

Consumer Health Forums - where you can discuss any health or relationship matters.

Link to post
Share on other sites

Hello Jane,

 

I am following your thread with interest, you are further ahead than me, Nat West have until 26 Oct to file their defence. With so many standard letters flowing out you would think they would have a computer programme in place!

 

Good luck!

 

Madge

Link to post
Share on other sites

Thanks Madge and good luck with your claim.:)

 

New update - I received one of the standard letters from Cobbetts yesterday about my letter re the CPR 18 request. Was just saying that their client needs to know all the claims and what they are for yadda, yadda.

I sent a copy of the charges with this letter!!

Will leave it there though - I know I don't need to reply to them and refuse to get embroiled in to'ing and fro'ing as that's what they want!:D

Link to post
Share on other sites

Hi all,

HELP!!

I think I have made a big boo boo.

I have just been reading through some other threads and wanted something clarified. Does your charges for advantage gold account come out with your other charges?

I am an advantage gold customer and am confused about this.

On my statements each month I have a section which is called 'charges' and also 'interest' (due to overdraft). Now I know I can not claim back interest, but I added up all my 'charges' on my statements and this made my final sum which I am claiming.

What I am now worried about is that I added my advantage gold fees in to this too, which I know you can not claim for.

Does 'charges' include advantage gold fees aswell because on my monthly statements it does not itemise charges separately?

I always receive a letter from Natwest monthly informing me of what is going to be taken out the next month (ie interest and charges) and it usually just says "unarranged borrowing fees".

Can a mod or someone help? Have I added advantage gold fees in this or not? If I have what will happen?

I am now worried the court will throw out my claim or will take it all the way to court to argue this point!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...