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    • Daft question - but you filed the defence on-line on MCOL as dx indicated, right?
    • We looked up the e-mail address so communications would be in writing.  If you do stuff on the phone the other party can just deny the contents of the conversation.  They can't deny what's written in an e-mail. So time to sort Pete out.  Check the following for accuracy and change anything I've got wrong.  Then e-mail Pete this evening.  I was thinking of threatening the pub with legal action but let's initially be nice.   Dear Pete, Re: PCN no.XXXXX, claim form no.XXXXX on 23 July 2022 I was a customer at your pub and I attach proof of purchase. I was picking up my cousin Ms XXXXX and her family as she was working as a cook with you at the time.  I entered the pub through the back door, went to the bar, and ordered a drink and a meal.  At no point did any bar staff alert me that I needed to add my registration number or did I see any signs advising me to do so.  I then took a seat outside in a small seated area so I could chat to my cousin while waiting for her to finish work.  We were joined by the management of the pub and bar staff during my time waiting  I was shocked a few days later when I received a demand for £100 from Civil Enforcement Ltd.  i contacted the pub and was told "don't worry, it's not enforceable". Well, that information turned out to be nonsense because I have now received a county court claim form from CEL. I contacted the pub again on XXXXX and was extremely disappointed to be told "there's nothing we can do". Of course there is something you can do.  You are the organ grinder.  You called CEL in.  You can call your dogs off.  Your pub has absolutely superb reviews on Google Maps regarding the way in which you treat guests.  Do you really think customers should be dragged to court?  I'm sure you don't. I am therefore requesting that you intervene and instruct CEL to cease court action. Yours, XXXXX
    • Thank you - Defence has now been filed Doc_20240501_182920_Redacted.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 
        • 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***


Guest ian cognito
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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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