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    • Hi, I've been reading the invaluable advice on this forum and reading about the problems with Evri and lost delivery of items.  From what I gather the initial steps after having exhausted every's own lost item claim process is to draft a Letter of Claim, I think it is called and to register with the government Money Claims.  I have got a login for Money Claims and have made an initial stab at the letter but I'm not certain I have got it right. Am I right to assume that having exhausted Evri customer service's claims process and having received the denial of any compensation because the laptop I was sending is on the non-compensatory list that my next step would be to send the Letter of Claim to them? Let me provide some basic details which I hopefully have addressed in the letter. I purchased a laptop through Amazon.co.uk which a business in Belfast sold refurbished laptops through.  They had a 30 day money back guarantee for a full refund if you have any issues with the laptop.  I have the invoice from Amazon showing the purchase.  On 27 April, 2024 before the end of the 30 day period I used their ParcelShop (inside a Tesco) to send the laptop back and have the tracking reference mentioned in the letter.  As mentioned in the letter there was they advised they could not give me or sell me any insurance because laptops are on the non-compensatory list so I just paid the normal delivery cost.  It was scanned as leaving the ParcelShop on 29 April and the tracking has been like that ever since.  After a 28 working day Evri claim process they gave the expected response that they could not provide any compensation and simply could not proceed with my claim. I was hoping to get some advice on whether I go ahead now and email this to Customer Services straightaway and should I send a hard-copy to the Evri address as well?  Or are there any steps I have missed out on first?  I believe 14 days is the reasonable period of time for them to respond so if I were to send it tomorrow, for example 12 June then I should expect a reply by 26 June, is that correct and fair?  And assuming they don't reply with a full refund then I would then go down the government Money Claims site to proceed with that? Sorry for all the questions, I want to make sure I go about it properly.  I'll continue to read through other cases on here so I can get an even better handle on the process. I attached a LOC, happy for any edits or updates that will make it even better. Thanks so much for anyone's help! Regards, Matt Evri letter of claim.docx
    • The date was 3 June. Get on MCOL now. The legal principle is that, even if you defence is late, if the other party hasn't requested judgement, then your defence takes priority and is accepted. You might be in time. When I say now I mean now.  Recently we had someone who was nine days' late and this was pointed out to them at 5:30pm.  They faffed around till 11pm.  When they went on MCOl they saw that judgement had been entered at 7pm. Every minute is vital. File the below standard defence if you still can - 1.  The Defendant is the recorded keeper of [motor vehicle]. 2.  It is denied that the Defendant entered into a contract with the Claimant. 3.  As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance.  The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner.  Accordingly, it is denied that the Claimant has authority to bring this claim.    4.  In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5.  The Claimant is attempting double recovery by adding an additional sum not included in the original offer.  6.  The Particulars of Claim is denied in its entirety.  It is denied that the Claimant is entitled to the relief claimed or any relief at all.
    • Hi friends,  I’m a bit worried I may have got confused with timings here. I thought I had 33 days from my acknowledgment to submit a defence but the date added above says 3/6/24.   have I missed the date?   if so how can I apply for an exception due to my disability and problems with deadlines and dates etc (ADHD)?   what should I submit as a defence?   I’ve had no reply from BW so far    just been back on MCOL and it says 28 days from service if I completed an acknowledgment of service so does that mean 28 days from that of acknowledgement (I.e. 16/5) which would make deadline for defence 14/6?   Thanks! Panicking here.
    • Normally we don't advise playing your cards early in a snotty letter, but as you have appealed we might as well use what you wrote in the appeal against them. There is no rush, you have until 6 July to get it to them.  See what the other regulars think too. How about something like this? -   Dear Rachael & Sean, cheers for your Letter of Claim.  I rolled around on the floor in laughter at the idea you'd actually thought I'd take such tripe seriously and would cough up! As usual you'll have been too bone idle to do any due diligence.  Had you done so you would have seen that I appealed to your client.  Indeed the driver on the day is a textbook example of having done exactly what you should do when you do not wish to be bound by the T&Cs in a private car park. Of course none of that mattered to the spivs you represent but do you really want to put such a useless case in front of a judge? To be fair, your clients are very useful members of the human race - as comedians.  How I loved the page turner of their antics at The Citrus Building in Bournemouth.  It was chuckle after chuckle reading about them, letter after letter, month after month, insisting they were legally in the right, even through someone who had done just the first day of a GCSE law course could have told them they weren't.  Until the denouement - BOOM - an absolute hammering in court.  In fact - SLAM, BANG - managing to lose twice against the same motorist for the same car park in front of two different judges. Your client can either drop their foolishness now or get yet another tolchocking* in court where I will go for an unreasonable costs order under CPR 27.14(2)(g) and spend the dosh on a nice summer holiday, while every day laughing at your clients' expense. I look forward to your deafening silence. COPIED TO COUNTRYWIDE PARKING MANAGEMENT LTD   *  This word is used under licence from Brassnecked
    • Well yes, ... and the tax dodgers ... Trump May Owe $100 Million From Double-Dip Tax Breaks, Audit Shows A previously unknown focus of an I.R.S. audit is a dubious accounting maneuver that effectively meant taking the same write-offs twice on a Chicago skyscraper. nytimes.com WWW.NYTIMES.COM  
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Lloyds TSB Credit Card overlimit by 73p, £12 charge to go on next statement (1,643%)


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Hi everyone,

 

Recently I went overlimit on my Lloyds TSB credit card by only 73p due to interest. They said I will be charged a £12 fee on my next statement. This represents a charge of 1,643%.

 

How did this happen? Well, I called them about two weeks ago asking about my balance transfer interest. I took advantage of a "0% for 6 months" offer. My balance transfer was made in mid-July and my first statement date is in early August 2010.

 

Two weeks ago I asked them when the balance transfer offer would end; they said on my next statement (not this one), giving two reasons: (1) My last statement stated estimated interest £3 and (2) That balance transfer interest would not be charged in partial months (only complete months). I had about £9 available credit so I thought I'll be fine. It turns out I was misadvised by the so-called customer service advisor I spoke to. Interest is about £10 so I went overlimit.

 

The worst thing about it is when I called them recently to tell them that I was misadvised, they said they couldn't find a record of the phone call. I can't remember exactly when I called them two weeks ago, and I didn't even take the name of the lady I spoke to. I called an 0800 number from a BT/TalkTalk line, so I don't even have a record of the phone call. I should have taken her name and noted the date and time of the call - my mistake.

 

In fact, they are in breach of the agreement. The last sentence in Condition 5.2 says "We will put a message in your statement to remind you when the introductory promotional period ends" Guess what? They didn't!

 

There are no other charges or PPI.

 

Should I do a subject access request? Would I be able to claim the £10 SAR cost from them? Any other advice to help solve this problem?

 

Thanks in advance.

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  • 2 weeks later...
  • 1 month later...

I feel that I've been tricked and cheated. I naively thought the problem was solved only to find the overlimit charge has been put on this statement taking me over my limit on this statement because of this charge. This cycle is going to continue and every month I will have to make a complaint to get this charge reversed. How annoying. To summarise:

 

8.2.11...........73p over limit, no overlimit charge

8.3.11 ..........Complaint made by phone; Interest refunded in full for previous month, not overlimit

8.4.11...........£2.23 below credit limit before charge + £12 overlimit charge = £9.77 overlimit

 

I've had enough of the incompetence of Lloyds TSB staff. I'm going to turn the tables so to speak and send them a notice of breach of agreement telling them that they are in breach of Condition 5.2.

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I've complained to my credit card company about the charges levied on my account too. I missed a payment because I had just had a baby. Got charged. Then went over my limit by being charged, so got charged for being over my limit. I am now £120 over my limit, thanks to charges. I haven't used the card for months!! I have now requested my charges be refunded...... They owe me over £200 atm.....

 

Keep complaining and keep it in writing Hun. The only way we can do anything about this is by constant complaints xx

"In this situation, you know what you have to do? Just keep swimming, swimming, swimming." Dory - Finding Nemo.:wink:

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Hi everyone,

 

Recently I went overlimit on my Lloyds TSB credit card by only 73p due to interest. They said I will be charged a £12 fee on my next statement. This represents a charge of 1,643%.

 

How did this happen? Well, I called them about two weeks ago asking about my balance transfer interest. I took advantage of a "0% for 6 months" offer. My balance transfer was made in mid-July and my first statement date is in early August 2010.

 

Two weeks ago I asked them when the balance transfer offer would end; they said on my next statement (not this one), giving two reasons: (1) My last statement stated estimated interest £3 and (2) That balance transfer interest would not be charged in partial months (only complete months). I had about £9 available credit so I thought I'll be fine. It turns out I was misadvised by the so-called customer service advisor I spoke to. Interest is about £10 so I went overlimit.

 

The worst thing about it is when I called them recently to tell them that I was misadvised, they said they couldn't find a record of the phone call. I can't remember exactly when I called them two weeks ago, and I didn't even take the name of the lady I spoke to. I called an 0800 number from a BT/TalkTalk line, so I don't even have a record of the phone call. I should have taken her name and noted the date and time of the call - my mistake.

 

In fact, they are in breach of the agreement. The last sentence in Condition 5.2 says "We will put a message in your statement to remind you when the introductory promotional period ends" Guess what? They didn't!

Said charge applied is excessive and disproportionate, in any event they are in breach, as you say, write a short letter to inform that you are not paying said charge and refer Lloyds to the above condition. Then, change your bank to another not related to the Lloyds Banking Group.

There are no other charges or PPI.

 

Should I do a subject access request? Would I be able to claim the £10 SAR cost from them? Any other advice to help solve this problem? You can SAR if you want to, the fee of £10 is not refundable, however, they have said that there is no record of said telephone conversation and, if it is on record, they will delete it when they collate they info for your SAR. Change banks, Lloyds are amongst the worst, you cannot trust them.

 

Thanks in advance.

 

I hope that will help you somewhat.

 

Kind regards

 

The Mould

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Thanks for replying everyone.

 

I haven't had problems with Lloyds TSB in the past. Natwest and Barclays are much worse and I would never bank with them again.

 

I sent the letter yesterday mentioning their breach of Condition 5.2 and saying the charge is unfair, extortionate, etc and asking them to refund it. But the annoying thing is that next month I'm going to be charged another £12 and I have to waste more time writing them a letter and asking for a refund.

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  • 4 months later...

Hi

 

Just to update everyone that Lloyds TSB have now refunded the overlimit charges and have also made an Ex-Gratia payment of £30 onto my card!

 

Although the amount I complained about is small, it just shows that you can obtain compensation and refund of charges if you persevere.

 

Thanks to CAG for the templates.

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