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    • Any chance of some advice with filling in the N164 please?    I've sent an EX107 to the Court to request transcript of the Judgment to use in an appeal but the Courts still haven't actioned this and my 21 days expires on Tuesday
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    • Hi, despite saying you would post it up we have not seen the WS or EVRis WS. Please can you post them up.
    • Hi, Sorry its taken me so long to get round to this, i've been pretty busy today. Anyway, just a couple of things based on your observations.   Evri have not seen/read my WS (sent by post and by email) as they would have recognised the claim value is over £1000 as it includes court fees, trial fees, postage costs and interests, and there is a complete breakdown of the different costs and evidence. I'd say theres a 1% chance they read it , but in any case it won't change what they write. They refer to the claim amount that you claimed in your claim form originally, which will likely be in the same as the defence. They use a simple standard copy and paste format for WX and I've never seen it include any amount other than on the claim form but this is immaterial because it makes no difference to whether evri be liable and if so to what value which is the matter in dispute. However, I have a thinking that EVRi staff are under lots of pressure, they seem to be working up to and beyond 7pm even on fridays, and this is quite unusual so they likely save time by just copying and pasting certain lines of their defence to form their WX.   Evri accepts the parcel is lost after it entered their delivery network - again, this is in my WS and is not an issue in dispute. This is just one of their copy paste lines that they always use.   Evri mentions the £25 and £4.82 paid by Packlink - Again, had they read the WS, they would have realised this is not an issue in dispute. They probably haven't read your WS but did you account for this in your claim form?   Furthermore to the eBay Powered By Packlink T&Cs that Evri is referring to, Clauses 3b and c of the T&Cs states:  (b)   Packlink is a package dispatch search engine that acts as an intermediary between its Users and Transport Agencies. Through the Website, Users can check the prices that different Transport Agencies offer for shipments and contract with the Transport Agency that best suits their needs on-line. (c)  Each User shall then enter into its own contract with the chosen Transport Agency. Packlink does not have any control over, and disclaims all liability that may arise in contracts between a User and a Transport Agency This supports the view that once a user (i.e, myself) selects a transport agency (i.e Evri) that best suits the user's needs, the user (i.e, myself) enters into a contract with the chosen transport agency (i.e, myself). Therefore, under the T&Cs, there is a contract between myself and Evri.   This is correct but you have gone into this claim as trying to claim as a third party. I would say that you need to pick which fight you wan't to make. Either you pick the fight that you contracted directly with EVRi therefore you can apply the CRA OR you pick the fight that you are claiming as a third party contract to a contract between packlink and EVRi. Personally, I would go with the argument that you contracted directly with evri because the terms and conditions are pretty clear that the contract is formed with EVRi and so if the judge accepts this you are just applying your CR under CRA 2015, of which there has only been 2 judges I have seen who have failed to accept the argument of the CRA.   Evri cites their pre-existing agreement with Packlink and that I cannot enforce 3rd party rights under the 1999 Act. Evri has not provided a copy of this contract, and furthermore, my point above explains that the T&Cs clearly explains I have entered into a contract when i chose Evri to deliver my parcel.    This is fine, but again I would say that you should focus on claiming under the contract you have with EVRi as you entered into a direct contract with them according to packlink, as this gives less opportunites for the judge to get things wrong, also I think this is a much better legal position because you can apply your CR to it, if you dealt with a third party claim you would likely need to rely on business contract rights.   As explained in my WS, i am the non-gratuitous beneficiary as my payment for Evri's delivery service through Packlink is the sole reason for the principal contract coming into existence. I wouldn't focus this as your argument. I did think about this earlier and I think the sole focus of your claim should be that you contracted with evri and any term within their T&Cs that limits their liability is a breach of CRA. If you try to argue that the payment to packlink is the sole reason for the contract coming in between EVRI and packlink then you are essentially going against yourself since on one hand you are (And should be) arguing that you contracted directly with EVRi, but on the other hand by arguing about funding the contract between packlink and evri you are then saying that the contract is between packlink and evri not you and evri.  I think you should focus your argument that the contract is between you and evri as the packlink T&C's say.   Clearly Evri have not read by WS as the above is all clearly explained in there.   I doubt they have too, but I think their witness statement more than anything is an attempt to sort of confuse things. They reference various parts of the T&Cs within their WS and I've left some more general points on their WS below although I do think  point 3b as you have mentioned is very important because it says "Users can check the prices that different Transport Agencies offer for shipments and contract with the Transport Agency that best suits their needs on-line." which I would argue means that you contract directly with the agency. For points 9 and 10 focus on term 3c of the contract  points 15-18 are the same as points 18-21 of the defence if you look at it (as i said above its just a copy paste exercise) point 21 term 3c again point 23 is interesting - it says they are responsible for organising it but doesnt say anything about a contract  More generally for 24-29 it seems they are essentially saying you agreed to packlinks terms which means you can't have a contract with EVRI. This isnt true, you have simply agreed to the terms that expressly say your contract is formed with the ttransport agency (EVRi). They also reference that packlinks obligations are £25 but again this doesn't limit evris obligations, there is nothing that says that the transport agency isnt liable for more, it just says that packlinks limitation is set. for what its worth point 31 has no applicability because the contract hasn't been produced.   but overall I think its most important to focus on terms 3b and 3c of the contract and apply your rights as a consumer and not as a third party and use the third party as a backup   
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Northern Rock are Laughing at my claim? (Not anymore) *WON*


Maximus69
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Hi everyone,

has anybody else tried to claim back bank charges from Northern Rock?

 

I wrote to them and received 6 years of charges applied to my current account.

I then wrote to them stating the charges were unlawful etc and asked for a full refund. ( i did not know about the Preliminary & Letter before Action templates)

 

They wrote back refuting that the charges applied to my account are unlawful, unfair or represent a penalty etc.

 

PLEASE FIND A FULL VERSION OF THERE REPLIES IN THE WELCOLME FORUM, page 5.

 

I then sent a slightly altered version of the Letter before Action template letter to them with a copy of the 8% pa interest calculations etc and stating I would be making a claim without further notice etc.

 

I now realise I should not have sent the 8% calculations etc.

 

So i have dropped a bollock, but my problem is where do I go from here?

 

In reply to Bookworm, i have read all of the FAQ and step by step instructions again.

 

CAN YOU PLEASE READ MY ORIGINAL POST AS DESCRIBED ABOVE AND LET ME KNOW WHAT i NEED TO DO NEXT?

 

Cheers :confused:

 

Maximus69

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Hi, If I was you I would right again to them (again the LBA) stating that they have 14 days to refund your charges (DO NOT ADD THE 8% INTEREST) and then if they don't refund your money, put in a claim for the full amount.

REFUNDED

Hubbys - HSBC £4,165 paid 18/8 after MCOL issued :)

HSBC - £651 paid 18/8 after MCOL issued :)

HSBC - £147 Prel 7/8, LBA 21/8, MCOL 6/9 £241

Hubby Halifax - Prel 29/7 £215, LBA 21/8, Offer rec. £110 22/8, MCOL 6/9 £298

Abbey - £2758 - Prel 26/6, LBA 10/7 - MCOL 26/7 £3,391, offer 25/8 £1,755.94, paid £3567.32 after Case manag hearing

Barclays - £675 Prel7/8, LBA 21/8, offer received £300 MCOL 6/9 £998 - Paid £1,012 before going to Court

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Thanks for that Tigs.

You seem to have your hands full at the moment. Good Luck and i will keep my thread fully updated. Did you manage to read my first post and if yes, what did you think of there replies?

Cheers

NED. 0:)

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Hi,

 

Well I think their letters would have been quite a standard one if the second letter hadn't have been so patronizing. As BW said have a bit more of a read of the forums and the FAQs. I think you will be ok if you continue with your course of action but do try and read a bit more about what you are doing. If you go to court you will have to know all of the facts.

 

Good luck

REFUNDED

Hubbys - HSBC £4,165 paid 18/8 after MCOL issued :)

HSBC - £651 paid 18/8 after MCOL issued :)

HSBC - £147 Prel 7/8, LBA 21/8, MCOL 6/9 £241

Hubby Halifax - Prel 29/7 £215, LBA 21/8, Offer rec. £110 22/8, MCOL 6/9 £298

Abbey - £2758 - Prel 26/6, LBA 10/7 - MCOL 26/7 £3,391, offer 25/8 £1,755.94, paid £3567.32 after Case manag hearing

Barclays - £675 Prel7/8, LBA 21/8, offer received £300 MCOL 6/9 £998 - Paid £1,012 before going to Court

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Hi everyone, not much response on this 1. I must say i am disappointed with the help and advice not being received from the more experienced people, who have 'been there and got the t-shirt'.

I just feel that my next move is crucial and has to be spot on content wise to show these arrogant bankers they cant just push us around..

 

Any advice out there will be more than welcome.

 

Cheers.

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My advice is to private message a site helper or moderator to get your threads merged onto this one as it is very confusing going back and forth between threads trying to follow what has happened. You may get more responses if you do this. My understanding in laymens term is that so far you have said to them - these charges are unlawful as they are a penalty and if you say they are not a penalty but a service charge then they are still unlawful as they are a disproportionate charge and they have said back they arent a penalty they are a service so we can charge what we like. Which we know they cant. Seems to me like they are trying to fob you off, but i cant advise you where to go next as i am confused as to where you are actually up to? If you spell it out for me Ill be glad to offer my opinion.

Miss P x

FD £691.50 SETTLED IN FULL £691.50 :D

FD CREDIT CARD £75, SETTLED IN FULL £75 :D

MBNA CREDIT CARD £1784 SETTLED IN FULL :D

BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200

 

PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x

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Hi Miss P.

Basically I wrote in and requested 6 years charges applied to my current account. They sent these out and they came to nearly £3000. I then wrote to them claiming a full refund as the charges applied were deemed as unfair and unlawful.

They then replied denying that the charges applied were unlawful, unfair or represented a penalty. Under there T&C's they supply services to me and apply charges and interest in return for these services. I had signed to say that I had read and understood these T&C's.

There are 3 states of position of my account, in credit,authorised and un-authorised overdraft situations. They say my account is still envisaged as being in a position within the T&C's and therefore not in breach. Then they claim under law, a penalty where there is a breach of contract and the measure of damages is not considered to represent a genuine pre-estimate of loss. In summary, the charges are for services provided.

 

I then sent a 3/4 LBA template letter. They replied with the folllowing;

 

It appears from your letter that you have failed to grasp or chosen to ignore the key legal issues in relation to charges for services provided etc.

 

Charges on current accounts are for services provided and are not default charges.

 

In law, for a clause to be deemed a penalty clause, it has to operate due to a breach of contract.

 

The current account charges are entirely lawful, they are not an illegal penalty and nor are they unfair or unenforceable.

 

Northern Rock looks forward to to receiving your substantive response to the legal points raised in this letter and the other letters.We do not consider that your letters disclose reasonable grounds for bringing a claim against it, nor if such a claim were issued, that it would have any prospect of success.

 

What I need to be sure of from this point, is what kind of response to i reply with. As suggested, maybe an exact copy of the LBA template letter or do i need to respond to their queries they have raised.

 

HELP. :?

 

Cheers

 

Malcolm

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Hi Malcolm,

 

Try something like this:

 

 

Dear xxx

 

Thank you for your letter dated xx/xx/xxxx regarding my request for the repayment of charges in which you claim that the charges are lawful as they do not relate to a breach of contract.

 

I find this a rather bazar argument as it is clearly stated in the terms and conditions that I must have sufficient funds in my account to cover cheques, direct debits and standing orders. Thus when you provide the service of returning these items unpaid, these services clearly relate to a breach. It also clearly states in my contract that I have an overdraft limit of XXXX. If I go over this limit I am thus in breach of this term of the contract. The fact that you contemplate me breaching this term can not and will not prevent me from being in breach. To draw an analogy from criminal law, the fact that a policeman foresees that a persistent offender will reoffend once released from prison, does not make the offenders actions lawful when he does in fact offend. Thus the only plausible analysis that can be applied is that you have contemplated my breach of contract and provided for this eventuality with your charges. English contract law requires such a fee to be a genuine pre-estimate of your losses if it is to be lawful following the case of Dunlop Pneumatic Tyre Co Ltd v New Garage and Motor Co Ltd [1915] AC 79 A charge will be held to be a penalty if the sum stipulated for is extravagant and unconscionable in amount in comparison to the greatest loss that could conceivably be proved to have followed from the breach. A penalty clause is void in its entirety and unenforceable.

 

I believe that the charges you have levied of XXXXX far exceed any true cost to yourself as a result of our breach and any genuine pre-estimate you could conceivably reach. If you disagree, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put to as a result of my breaches, in order to reassure me that your charges really do reflect your costs.

 

In addition your charges appear to represent an unfair term of contract which is contrary to the Unfair Terms in Consumer Contracts Regulations 1999 (SI. 1999/2083). Our account falls within the ambit of Regulation 5 of the Unfair Terms in Consumer Contracts Regulations 1999 as we are consumers. Your charges constitute an unfair penalty under Schedule 2 of the said Regulations which provide an indicative and non-exhaustive list of terms which may be regarded as unfair. Under paragraph 1(e) of schedule 2 this specifically includes terms which have the object of requiring any consumer who fails his obligation to pay a disproportionately high sum in compensation. We would vigorously contend that this is the position regarding the fees of XXXX which you deemed fit to apply to our account.

 

The fact that I agreed to these charges when I opened my account does not make these charges enforceable. In all the cases regarding penalty clauses there is no dispute that the term was agreed to. However, a court finding of a penalty clause as oppose to a liquidated damages clause renders the clause unenforceable in its entirety even if it has in fact been agreed to.

 

 

I do hope this clears things up for you and demonstrates that I have in fact grasped the legal points involved. The factors relating to breach of contract really are quite simplistic. I find it extraordinary that I as a lay person, am having to explain such matters to a legal expert as yourself. I shall certainly look forward to seeing you in court.

 

 

Yours faithfully

 

xxxx

 

If the LBA has expired whack a moneyclaim on them as well.

The letters are generally just delaying tactics or intimidation. If they try this defence they will be laughed out of court.

 

Good luck and keep us updated

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brill letter zoot! Ive pm'd you some info malcom to give you a bit of confidence. If youve mucked up a bit on the LBA i would send zoot letter with revised LBA giving 7 days to respond, that way youve covered all bases. then file for court! Miss P x

FD £691.50 SETTLED IN FULL £691.50 :D

FD CREDIT CARD £75, SETTLED IN FULL £75 :D

MBNA CREDIT CARD £1784 SETTLED IN FULL :D

BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200

 

PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x

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northern rock are not laughing at your claim, in fact they are dead worried, and that is why they are useing there only weapon; intimidation. dont be scared off by there letters (weve all had them) stick to your timetable, get your claim filed and eventualy your money will find its way home.

best of luck

p.s. cracking letter zoot

:mad:LF53
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Thanks guys,

I am overwhelmed with guilt for doubting the good guys out there!! I must also agree with you guys in saying, what a BELTER OF A LETTER from Zoot. I will raise a glass of the dark stuff (Guinness) in your honour tonight at exactly 8.30pm.

I now say, BRING IT ON Northern Rock, you bankers!!!

I will keep you guys fully updated.

Cheers me dears,

Malcolm. 0:);

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Best of luck Maximus(Malcom)

I am at present well busy with Lloyds bank who are a tough nut to crack but like you will persevere.

got a weeny claim against northern rock£60.00 but the principle is the same,zoots letter is good.but you need to read the threads/stickies at the top of the pages.

 

They are "cloaking the Penalty"with their excuses,

It isnt suprising you arent/werent getting much help as Northern Rock aren,t big players in the"naughty banks"stakes.

Only known one other person going up against them and i havnt been active on the "northern rock scene.

I would say don,t get into a verbal dialogue with them only use letters or e-mail as its all written down and recorded.

When you get to the "moneyclaim"stage they will then realise you mean business,hopefully with the threat of court action (which you must prepare for as it could very well happen) they will start to negotiate.

stick out for your money and 8% once "moneyclaimed".

B.B.4.NOW BED CALLS.GOOD HUNTING....

john r

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I have just sent off my LBA to Northern Rock Giving them 14 days to reply together with the list of charges and interest without the statutory 8% as advised. IN the post this morning was a letter from them adding yet more charges too my account for my overdraught. Can i add these to my cca or do I have to re start the whole preceeedings for the new amount. I realise the best thing to do would be to close the account but thanks to the negative remarks they have put on my credit file i am finding it dificult to open a new one to have my wages paid into.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Since Northern rock are still charging above the recomend £12 for penalty charges .Can i report them directly to the OFT and challenge their right to hold a licence. If i can is there a link that i should look at when preparing my letter.

 

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Since Northern rock are still charging above the recomend £12 for penalty charges .Can i report them directly to the OFT and challenge their right to hold a licence. If i can is there a link that i should look at when preparing my letter.

 

Peter

 

Personally, I would concentrate on one thing at a time; stick with the LBA you have sent and aim to recover your money, then if your still inclined, think about the OFT etc. You will no doubt get confused and make mistakes if you try to do too much at once, stick witht the tried and tested method as set out in the FAQ.

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Thanks for that and i know where you are coming from. I just thought it would might make it easier for other people's future claims if the cloaking [problem] was once and for all revealed for what it is

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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hello Peterbard

quote "Since Northern rock are still charging above the recomend £12 for penalty charges .Can i report them directly to the OFT and challenge their right to hold a licence"

 

From what i am aware if youre not talking credit card charges then you cannot yet hold them to the upper limit of £12.00 as the O.F.T. did not include bank charges in these but there is,i believe going to be an investigation by O.F.T. eventually.

 

You could write to the office of fair trading telling them of the unfair practices you feel that Northern Rock are undertaking.

 

best of luck

john r

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excellent letter by Zoot though bazar = bizarre no? :-)

HBOS - Data Protection Act Request 03/08/06

HBOS - Statements received 29/08/06

HBOS - Preliminary Letter Asking for it Back 01/09/06

HBOS - LBA Sent 19/09/06

HBOS - Moneyclaim filed 06/10/06

HBOS - acknowledged claim 11/10/06

HBOS - partial offer received for £716 16/10/06

HBOS - I THINK I MIGHT HAVE WON!! HBOS credit my account

with £2341 + costs/interest!! will know details soon

26/10/06

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Sorry John and Maximus

I know ignorance is no defenece but i am new to this sort of foum.I will start my own thread today

 

Regards

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Since Northern rock are still charging above the recomend £12 for penalty charges .Can i report them directly to the OFT and challenge their right to hold a licence. If i can is there a link that i should look at when preparing my letter.

 

Peter

 

I wouldn't bother. The OFT are looking into it right now and are due to report by the end of the year or early 2007. Anyway, claimants are arguing that 100% of the penalty charges are unlawful, not anything over £12.

To follow my case progress, click here to see where I'm at right now.

 

Welshman

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