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    • "Lowest CON % ever recorded in 45 years of Ipsos polling, - a record last broken in the previous poll."   as Truss bemoans 10 years to save her hair and makeup - she already lost the UK its shirt and vest Liz Truss fumes about 'having to do her own hair and make-up' while PM WWW.THELONDONECONOMIC.COM This is, objectively, very funny: No matter how bad you thought Liz Truss' new book would be, it somehow appears to be worse.  
    • Hi HB,  I have been using it - freedom pass for a long time, this is why i am worried, my memory fails me!  there is no way of checking on the freedom pass usage according my partner.  see my question on your comments: Paragraph 1 a short explanation of why you used the card on the day you were caught worry: as i said i have no excuse other than to save some money  Paragraph 2 you know you made a mistake and you regret it worry: yes i will admit that it is my fault and apologise profusely - will see other template Paragraph 3 you understand how what you did is wrong and the effect it has on TfL worry: yes will do, borrowing words from other template Paragraph 4 you have taken action - tell them what - to ensure that this doesn't happen again worry: i have an oyster PAYG which i use for my journey in to work -ranging 2-3 days a week;  so i can't say that i will buy a season ticket which is more expensive?? Paragraph 5 you ask if they would allow you to pay the outstanding fare and their administrative costs to resolve this worry: i will do that. QuestIon: will they inform my employer?     
    • So they seem to be deliberately fouling Britain - not 'just negligently Need to be in jail alongside the PO crims, and rabidly corrupt MPs
    • Well, we know it seems that the poops and others just use there MP position mainly to generate funds from their 'outside' lol interests Lets hope labor BAN second jobs for Mps - all second jobs - then create a truly independent expenses 'police' with real powers Tip of the iceberg: "A cohort of Conservative MPs standing down before the next election have netted jobs worth millions of pounds and have taken dozens of all-expenses-paid trips funded by foreign governments and lobbyists, the Observer can reveal." so far - "top of the list was former justice secretary Brandon Lewis, who has taken on five new part-time roles worth £410,000 a year alongside his commitments as an MP.   Outgoing Tory MPs take lucrative second jobs and ‘swan off on jollies’ | Conservatives | The Guardian WWW.THEGUARDIAN.COM Sixty four Tories and four independent MPs who lost party whip plan to stand down from the Commons amid dire polling for Conservatives  
    • The first thing you need to do is for your father to send Argos customer services an email saying he wishes to return the item within the 14 day cooling-off period under the Consumer Rights Act 2015. This is important because he needs simple proof to back up his request, as they are being stubborn. Enclose a copy of receipt details so they can locate the sale, Distant selling regulations will apply as he made the contract online with the retailer and they took the payment. The contract is between your father and ARGOS. He has to cancel the contract and receive a refund back to his debit card. You cannot act on his behalf (Privity) as a third party and they have every right to refuse to deal with you if they so wish. Data Protection the number one issue. How you received the goods is irrelevant. A retailer's terms and conditions cannot derogate statutory obligation.
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    • 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
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What should I do?


redn1ck
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Sent out the LBA. Got the following reply by secure message:

 

 

We have received your letter before action. We have been inundated with letters of a similar nature. Many of them involve searching through 6 years worth of bank statements. I apologise if our response is taking much longer than you anticipated. You will receive a response from us in due course.

 

Many thanks

 

Dorothy

My initial rection is to reply to tell that the 14 days will not be extended. Some advice please.

 

Should I reply to them to tell them I am not extending the deadline

 

or

 

Reply and give them one more week

 

or

 

Wait until the 14th day and then start court action.

 

Kind Regards,

 

redn1ck

Lloyds TSB - Data Protection Act 21st August:-x

IF - Data Protection Act 21st August

smile - won £260 :D

Alliance and Leicester - waiting for that one

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My response would be to stick to your timescale they have the resources, its not your problem they cannot manage, stick to your timescale and comtinue with the next step when 14 days is up

 

Best of Luck

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they seem to be taking a bit longer after the LBA to settle because they are busy, you can send them a secure message saying you are about to file a claim and ask for where they want the claim to be sent to, they will give you an address and maybe it will stir them up a bit, it did with me and saved me doing a claim. look at my thread

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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Should I reply to them to tell them I am not extending the deadline

Yes,

 

and,

Wait until the 14th day and then start court action.

Yes!

 

 

Andy

Current projects:

 

First Direct

MCOL Filed 24/9/06

£3116.60 including 8% interest

Offer from DG £1618.30, 3/10/06. Accepted as Partial Payment Only - pursuing remaining ££££

Offer for £3236.60 (full amount, plus court charges) from DG 10/10/06.

Accepted, crossed out confidentiality clause, funds cleared. Thanks to all for help and support.

Barclaycard

MCOL Filed 4/10/06

£1370.22 including 8% interest

Payment of £216 (:lol:) received. Settlement politely declined...

Allocation Questionnaire received 8/11/06

 

Smile

Prelim sent 23/09/06

LBA sent 27/10/06

£2435

Payed in full, just before MCOL, 17/11/06

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look at my thread

 

I have just read your thread and well done. I will be looking at what process you took and I will be following that.

 

Regards,

 

redn1ck

Lloyds TSB - Data Protection Act 21st August:-x

IF - Data Protection Act 21st August

smile - won £260 :D

Alliance and Leicester - waiting for that one

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Just sent the following by secure message:

 

You wrote:

Hello Mr redn1ck

We have received your letter before action. We have been inundated with letters of a similar nature. Many of them involve searching through 6 years worth of bank statements. I apologise if our response is taking much longer than you anticipated. You will receive a response from us in due course.

Many thanks

Dorothy

My Response:

My original letter was received by you on the 7th September (date taken from Royal Mail website). You have 14 days from then in which to settle this claim otherwise I will begin legal action as stated in my letter.

Kind Regards,

redn1ck

 

Boy did that feel good!!!

Lloyds TSB - Data Protection Act 21st August:-x

IF - Data Protection Act 21st August

smile - won £260 :D

Alliance and Leicester - waiting for that one

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Its upto you, they told me the same thing and said it'd be another 8 weeks! They are real funny.

 

They have the resources to deal with these claims if they want, its a delaying tatic probably taken at a higher level so be polite to the groundcrew and make sure they know your serious, etc

 

I'll be sending that address request message before I go ahead I think

______________

22nd Sept MCOL filed vs smile bank :!:

 

27th Sept LBA amount paid by smile

 

6th Oct Full MCOL amount paid by smile

 

Result = :D

 

 

 

 

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Just receivied the following secure message and sent the following back by secure message:

 

Withouth prejudice

Court action pending

You wrote:

Hello redn1ck

I'd advise you to have a look at our website where you can have a look at our complints procedure, we have up to 4 weeks to send our response to your complaint and then a further 8 weeks to send our final response. I've checked your account and it apeears that our complaints team are still looking into your letter sent on the 24/08.

Regards

Jade

 

However my letter stated 14 days and I will be sticking to this. I therefore need to start the process of making a claim on line this week. Could you let me know the correct address for smile that I should use in this claim.

Kind Regards,redn1ck

Lloyds TSB - Data Protection Act 21st August:-x

IF - Data Protection Act 21st August

smile - won £260 :D

Alliance and Leicester - waiting for that one

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Use the Balloon Street address in your cheque book.

 

Smile are making me really cross today. They need to employ more staff, they can afford it.

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, 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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Ok. I knew it would come to this.

 

14 days have passed since my LBA was sent to smile. Therefore I am going to go the next stage.

 

Just going back into the FAQ for a good read before doing so. Any advice?

 

Kind Regards,

 

redn1ck

Lloyds TSB - Data Protection Act 21st August:-x

IF - Data Protection Act 21st August

smile - won £260 :D

Alliance and Leicester - waiting for that one

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My advice would be to read back through the FAQ's which you are already doing so spot on!

 

Once you've done that, if you have any queries about the claim process please let us know.

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, 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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Hi,

 

Been through the FAQs and just started inputting my information on Money Claim then I realised that 14 days from now I will be on holiday. Should I wait until returning before submitting the money claim or should I continue with it now?

 

redn1ck

Lloyds TSB - Data Protection Act 21st August:-x

IF - Data Protection Act 21st August

smile - won £260 :D

Alliance and Leicester - waiting for that one

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How long are you going away for?

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, 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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How long are you going away for?

 

Just for seven (7) days.

Lloyds TSB - Data Protection Act 21st August:-x

IF - Data Protection Act 21st August

smile - won £260 :D

Alliance and Leicester - waiting for that one

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Wait the seven days and then file. Seems they are just being genuinely slow to reply, you dont have to wait for them though

______________

22nd Sept MCOL filed vs smile bank :!:

 

27th Sept LBA amount paid by smile

 

6th Oct Full MCOL amount paid by smile

 

Result = :D

 

 

 

 

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  • 2 weeks later...

I initiated the court action online and have receivied the following by secure message from smile:

 

Hello redn1ck

 

I'm sorry you feel you have to resort to court proceedings without following our complaints procedure as laid down by Financial Services Authority.

 

You can send your claims form to us, and we will forward it on to our Legal department.

 

Team 314

smile

PO Box 600

Delf House

Skelmersdale

Lancs

WN8 6GF

 

Regards

 

Jayne Jones

smile Complaints Team

 

For full details of our complaints procedures, go to Redirecting to Smile Production Site, click on 'Talk to us' and then click on 'Complaints' on the right hand side.

 

What annoys me is that I did complain last Christmas but was fobbed off by someone in the customer diserverice centre.

 

Oh well just have to wait until I get my court papers and then forward on the correct stuff to smile.

 

Regards,

 

redn1ck

Lloyds TSB - Data Protection Act 21st August:-x

IF - Data Protection Act 21st August

smile - won £260 :D

Alliance and Leicester - waiting for that one

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When did you do your mcol ? I've put mine in today so will be watching your progress along with a few others

Co-Op

Prelim - 09/06/06 (£2052)

LBA - 26/06/06

Settled 06/07/06 :D

Smile

S.A.R - (Subject Access Request) - 03/07/06

Prelim - 23/08/06 (£3185.50)

LBA - 08/09/06

mcol - 30/09/06 - £3250.50 + £800.22 + £120

Settled 13/10/06 :D

Capital One CC

S.A.R - (Subject Access Request) - 05/09/06

Prelim - 07/10/06 (1142.90)

LBA - 25/10/06

mcol - 13/11/06 (£735+ £323.29 + £120)

Settled

A & L CC

S.A.R - (Subject Access Request) - 07/10/06

Prelim - 14/11/06 (1065.16)

Wescot

CCA - 07/10/06

Co-Op(2)

S.A.R - (Subject Access Request) - 09/10/06

BOS CC

S.A.R - (Subject Access Request) - 18/10/06

Creation

S.A.R - (Subject Access Request) - 18/10/06

Prelim - 02/11/06 (£94.61)

LBA - 17/11/06

Settled 21/11/06

Studio

S.A.R - (Subject Access Request) - 18/10/06

Prelim - 01/11/06 (£103.80)

LBA - 17/11/06

Settled 18/11/06

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they seem to be taking a bit longer after the LBA to settle because they are busy, you can send them a secure message saying you are about to file a claim and ask for where they want the claim to be sent to, they will give you an address and maybe it will stir them up a bit, it did with me and saved me doing a claim. look at my thread

Hi I got really into trouble with my smile account and they took my check book off me several hundreds of pounds later they agreed to stop adding charges to the account. It still cost between £600-900. Since I have closed the account down as I wasn't using it however can I still claim for what they did charge me as it was serious amount that really spiraled out of control?

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Hi I got really into trouble with my smile account and they took my check book off me several hundreds of pounds later they agreed to stop adding charges to the account. It still cost between £600-900. Since I have closed the account down as I wasn't using it however can I still claim for what they did charge me as it was serious amount that really spiraled out of control?

 

Yes dubai you can claim for up to 6 years even if the account has been closed.

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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  • 2 weeks later...

Hi,

 

Just got a refund for £290 (£260 charges and £30 court fee) and a letter saying that although they believe their 'charges to be fair and transparent' they have creditied me my £290 back!!!

 

They also say 'To avoid charges in the future you must ensure that your Smilemore current account never exceeds the agreed overdraft facility'. Does that mean if I just accept the refund and do go overdrawn I will not be able to claim? Should I write to say thank you but I only want to be charged in accordance with the OFT ruling?

 

Also I will be paying more than 5%. I had no idea this site even exsisted until I read someone posting on the redissue football site. I think everyone who used this site heaviliy should seriously think about donating more.

 

Many thanks to all who helped/

Lloyds TSB - Data Protection Act 21st August:-x

IF - Data Protection Act 21st August

smile - won £260 :D

Alliance and Leicester - waiting for that one

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Hi,

 

Just got a refund for £290 (£260 charges and £30 court fee) and a letter saying that although they believe their 'charges to be fair and transparent' they have creditied me my £290 back!!!

 

They also say 'To avoid charges in the future you must ensure that your Smilemore current account never exceeds the agreed overdraft facility'. Does that mean if I just accept the refund and do go overdrawn I will not be able to claim? Should I write to say thank you but I only want to be charged in accordance with the OFT ruling?

 

Also I will be paying more than 5%. I had no idea this site even exsisted until I read someone posting on the redissue football site. I think everyone who used this site heaviliy should seriously think about donating more.

 

 

Many thanks to all who helped/

 

thats great news redn1ck well done.I'd take the money and say nothing further. if for any reason they make charges in the future then simply reclaim them again.:p

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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:grin:congrats!, yes I agree this site is great!

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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