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    • Thank you very much for your letter in regard to the above mentioned shipment.  Due to the high volume of parcels coursing through the courier network each day, undergoing continuous processing and handling, certain packages may experience delays or even can get lost in the course of this journey. Please note that due to the time that has passed, this shipment has been declared as lost.  I have today processed the claim and made offers to the value of £75 as a goodwill gesture without prejudice. I do acknowledge that you have mentioned in your letter that the value was higher, however, you did not take out any protection to that amount. The protection for this shipment was £20 and we will not be increasing our goodwill offer any further.    Please log into your account online in order to accept our offer. Once accepted, our accounts department will process the claim accordingly. The claim payment will be processed and received within 7 working days.                                  In addition, a refund of the carriage fee will be processed as a separate payment and will be received within 3 working days.  If I can further assist, please feel free to contact me.   I have also just noticed that yesterday afternoon they sent me an email stating that "after my request" they have refunded the cost of shipping. I did not request the refund so will mention that in my letter as well.
    • Hi I had to leave Dubai back in 2011, during the financial crisis. And only now have I received a letter from IDRWW. Is this anything to worry about about as I have 2 years left until it’s been 15 years(statute barred in Dubai). Worried as just got a mortgage 2 years ago. Could they force me in to bankruptcy? Red lots of different threads on here. And unsure what true and what isn’t. 
    • Not that TOR will see this now he's thrown in the hand grenade. Rayner has plenty of female supporters on X, for a start. As for the council and HMRC, fair enough and I thought Rayner was already in touch with them. That's where it should be dealt with, not the police force. @tobyjugg2 Daniel Finkelstein thinks the same as you about tax. The Fiver theory. How the Fiver Theory explains this election campaign ARCHIVE.PH archived 28 May 2024 17:36:51 UTC  
    • Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
    • So Rayner who is don’t forget still being investigated by the local council and HMRC  is now begging to save her seat Not a WOMAN in sight in this video other than Rayner  Farage is utterly correct this country’s values are non existent in her seat   Rayner Pleads With Muslim Voters as Pressure From Galloway Grows – Guido Fawkes ORDER-ORDER.COM Guido has obtained a leaked tape from inside a meeting between Angela Rayner and Muslim voters in Ashton-under-Lyne...  
  • 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

Q v Co-operative Bank ***WON***


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Guest ian cognito

Took two S.A.R - (Subject Access Request)'s into the Co-op Bank in Balloon Street today, 1 for Co-op, 1 for Smile, put the two letters down on the reception counter and had a very interesting conversation:

 

"Could you take these and give me a receipt please"

"What are they?"

"Letters"

"Why do you want a receipt"

"to prove I delivered them"

"oh right - I'll be back in a minute"

 

Five minutes later she returned with a compliments slip written out that the letters had been taken and would be delivered to the correct department. So thats the first bit over with.

 

:confused: Interestingly, I received an e-mail while I was at work telling me my Smilemore account has been transferred to a current account so I no longer have to pay the account fees!

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All these companies have been trying to process these requests alot quicker lately but sometimes things are getting lost in the system, good luck and keep us updated.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Guest ian cognito

Cheers for that, Co-op have returned one cheque to me as they don't need payment for both the co-op and smile accounts, must say I wasn't expecting that!

 

Await the statements now, patiently of course:rolleyes:

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  • 1 month later...
Guest ian cognito

Just been into the main Balloon Street Branch and handed in Prelims for both Smile and Co-op accounts, confused them a bit by asking for a receipt!! Don't do receipts apparently :confused: . When I insisted I was invited in to see the Branch Manager who asked if his word wasn't good enough :mad: , I said I would rather have it confirmed in writing but was happy to take the letters back and send them recorded delivery, his assistant had them in her hand opened!!! :)

Receipt duly scribbled on a comp slip.

 

Ah I feel so much better now. :D

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Guest ian cognito

That was quick, received a letter yesterday, sorry you are unhappy etc, etc, they'll get back to me within 7 days to tell me how much longer it will take them to look into my complaint! yawn!!!

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  • 3 weeks later...
Guest ian cognito

YES!, YES!, YES!, (cough) sorry no need to get carried away, received a letter today from the Co-op, they are sorry I have had to write to them etc. etc. the charges are valid etc. etc. THE TOTAL CHARGE HAS BEEN REFUNDED TO YOUR ACCOUNT!!, hope this meets with your approval etc etc.

 

Thank you CAG, Caro for support and all fellow co-op claimers - don't give up!!!

 

Donation winging its way!

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well done hun. enjoy spending it

bos~ Data Protection Act sent

~ statements received

~ owed £1766.82

~ prelim letter sent 30/08/2006:D

~lba handed in 14/09/2006

bos Data Protection Act sent

~ statements received

~ owed £1217.86

~ prelim letter sent 30/08/2006:D

~lba handed in 14/09/2006

court date issued of the 17th november

27th oct full offer totalling everything including 8% interest court costs and £10 dpa sar..... one down next to go.

 

rbs~ Data Protection Act sent off 21/09/2006:mad:

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Go Jan, go Jan!!!! you make it seem so easy...

 

I am 'doing' the co-op at the mo....hope mine goes as well as yours!!!

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Co-op bank - won March 07

Virgin Credit Card - won - March 07

MBNA Credit Card - won March 07

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Guest ian cognito

It was fairly Thomper but I have been moaning at them about bank charges since 2003 and I still have the letters to prove it!

 

Keep at it, it won't be long now! :-)

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Many Congratulations. Don't forget the survey.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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Guest ian cognito

Good luck llandegla, if you haven't already done so, start a thread in the Halifax forum, you'll get all teh help and support you need off the wonderful people on this site.

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  • 1 month later...

ooohhhh help. I have have read your threads and advice to people many times and I would like some advice!! I have sent my spreadsheet in and claimed for debit interest, commission, service charge at eight and twenty five pounds and daily excess charge is this right or have I cocked it up royal!!

Co-Op S.A.R - (Subject Access Request) Sent 24.10.06:-)

Co-Op Acknowledgement letter recd 01.11.06:)

Stats Received 07.12.06;)

Claim settled in full 22.12.06:)

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Guest ian cognito

It may be that you can't charge the £8 fee but it won't make any diffenece to the claim, they will just ask you to remove it from the total, don't worry you'lll have no trouble but if you start your own thread in the co-op forum, you'll get lots of help and advice. If it will make you feel better, deduct the £8 charges when you send in your LBA.

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Co-op makes things confusing don't they Jan! Masking their 'punishment' charges as a 'service' charge.... how is that a Bl**dy service?!?!?!?

 

I am still confused over the whole interest things as I didn't think we could claim any interest at the prelim stage... loks like somebody didn't spend enough time readingthe faq's - ooops!:o

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Co-op bank - won March 07

Virgin Credit Card - won - March 07

MBNA Credit Card - won March 07

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Overdraft interest on the proportion relating to unlawful charges is fine, as it wouldn't have been taken were it not for the charges.

 

I'm moving Jan's thread to the Successes forum now so newbys can read up, but please stick to your own threads so we can all follow your progress too.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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  • 4 weeks later...
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