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    • quite honestly id email shiply CEO with that crime ref number and state you will be taking this to court, for the full sum of your losses, if it is not resolved ASAP. should that be necessary then i WILL be naming Shiply as the defendant. this can be avoided should the information upon whom the courier was and their current new company contact details, as the present is simply LONDON VIRTUAL OFFICES  is a company registered there and there's a bunch of other invisible companies so clearly just a mail address   
    • If it doesn’t sell easily : what they can get at an auction becomes fair market price, which may not realise what you are hoping.
    • Thank you. The receiver issue is a rabbit hole I don't think I'm going to enjoy going down. These people seem so protected. And I don't understand how or why?  Fair market value seems to be ever shifting and contentious.
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    • You can't, but you can (and really should) bring up the point that the lender isn't meeting their legal obligations in selling the property for fair market value. You'll have to do this in court, though. A receiver is bought in by the lender, not you. If they're a registered insolvency practitioner, you may be able to raise a complaint to the insolvency service but there are no guarantees here. Many receivers are also registered with the RICS and self-regulate so if you know the name of the receiver you can check there, again no guarantees. https://www.rics.org/surveyor-careers/career-development/accreditations/registered-property-receivership-scheme
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    • 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.

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NEWCOMER - very confused please help!


jinty mcginty
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Hiya,

 

I have just discovered this site after reading about the success of the guy who got his money back form the Nationwide bank. Since November 2004 the Lloyds TSB have charged me approximately £1600 for failed direct debits etc. Fair enough,the money wasn't in the bank but £35 a go is a bit steep and as you all well know it snowballs and becomes a catch 22 - can't pay as charges come off your account so get charged again, go over the overdraft limit, get charged, and so on and so on!

 

I am confused as to the protocol of getting this money back - what is a DPA letter, what's my first thing to do? Could anyone tell me how this works?

 

Thanks for you help, Jinty x :confused:

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Hi Jinty,

 

in exactly the same boat.

close to £200 a month charges with no end in sight.

like above Thread - start with FAQ's and have a good around the site. thats what i'm doing trying to make sense of it all

 

good luck

 

Aiden

Printed off all statements off the net 5/4/06

total ILLEGAL charges:

£968.95

Letter posted to Lloyds 6/4

LET THE FUN BEGIN!

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hiya,

 

thanks for your help....have been to FAQ's and if I'm right...

 

1. get statements and stuff (DPA)

2. send a request for refund letter

3. send a letter before action

4. take the total bankers to court!

 

this is now clearer, but have been finding threads with talk of account closures etc, what are the consequences of taking action? will i be blacklisted forever and ever!

 

also, has anyone actually been to court, would love to hear of your experiences...what happens if you lose?

 

thanks for you help guys,

jinty xx

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also, has anyone actually been to court, would love to hear of your experiences...what happens if you lose?

 

thanks for you help guys,

jinty xx

 

 

I gather only one has gone to court...and nobody has lost. :)

 

 

 

 

 

 

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Incorrect.

 

Many have won (oh, all right, settled ;) ) before getting to court, a few have won in court, one has lost. (see Natwest section, post by Henry "natwest, my case, lost, I'm afraid")

 

For edifying stories, see Dave's posts about Abbey, Disneyman's about Nationwide, or even the Litigation section, and look a the closed cases. Also remember that for 1 who comes back and tells us he got his money back, there's probably 2 who don't. (too afraid we'll ask them to contribute to the book fund, :D )

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Incorrect.

 

 

I stand corrected...and thanks for pointing me to a thread that is well worth reading, and gives us all a warning to ensure we are well prepared, and follow the step-by-step guide to the letter.

 

 

 

 

 

 

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  • 12 years later...

This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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