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    • Thousands more passengers could face delays or cancellations after an arson attack on France's train network on Friday.View the full article
    • you never use or give an email  2nd class stamp with free proof of posting from any po counter dx
    • Much appreciated for the ammendment. The snottier the better right!   What I am assuming is that this response is to be posted to Gladstones? However, I am seeing some users sending this as an email instead, which is a little confusing.  If we're happy with this response, what would you suggest is the best way to send it over to them (post/email), and is there anything additional I could include (if necessary)?  Thanks again! 
    • Hi I've read through other threads to better inform me of the process from here onwards. When I put in the MoneyClaim it gave me a claim number and it currently says to wait for the defendant to respond, they have until 7 August.   It seems their most likely action is to extend that a further 14 days to about 21 August - this hasn't happened yet, of course, as it is only 27 July but I'm anticipating that may be the case. when the expected defence action is taken by EVRi I will need to submit DQ with these responses A1 - no mediation B - my contact details C1 - yes to the small claims track D1 - No.  If No please state why.  I believe the defence will provide some rebuttal to the particulars of claim and so I need to include details as to why the claim requires a hearing.  Is there some certain templated text I can include here or will it vary depending on what the defendant comes back with? I see on the form it mentions the following: Relevant reasons include that there are factual disputes which will need the judge to hear from witnesses directly or the issues are so complex they need to be argued orally.  Hoping to reach out to see what may be the most effective statements for D1 reasoning. E1-5 are pretty straightforward. I want to get ahead of things and be ready to take the next step so I appreciate what advice you may have about the DQ.   Thanks!  
    • Rachel Reeves is set to reveal a public finances shortfall of billions on pounds after a snap audit.View the full article
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    • 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.

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      Many thanks 
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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.

      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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Mummy vs Natwest


bristolmummy
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Hi everyone. Have prepared my request for payment letter and the schedule today, and will pop them in the post shortly.

 

I'm quite lucky as I've only held the account for just under 2 years so have all my bank statements so I never had to ask for the charges to be sent. Not that I could've sent a cheque, as I've only got Natwest's Step account.

 

Again, I feel very lucky to have stumbled across this forum just now, as I'm a single mum on benefits, and as a result of a PayPal mistake, my charges have started snowballing like crazy. I'm now almost £200 overdrawn, and was going half out of my mind! My claim is for just over £300 so will get me out of a lot of trouble, even if I have to wait.

 

In the meanwhile, the most curious thing happened, I was talking to one of NW advisors about the state of my account and what I could do, and he suggested we run a credit check to see if I can upgrade, and guess what?? They're opening up a separate Advantage Gold account for me lol! :D So in the meanwhile I shall transfer my benefits to this new account, therefore getting myself out of this pickle. Just a question though, are NW likely to threaten to close both my accounts with them? :-?

 

As a precaution I will pop in to the Post Office tomorrow and open up a card account with them, just in case I need to transfer my benefits there. Ahh the jobcentre's going to love me now. :p

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Hi everyone. Have prepared my request for payment letter and the schedule today, and will pop them in the post shortly.

 

I'm quite lucky as I've only held the account for just under 2 years so have all my bank statements so I never had to ask for the charges to be sent. Not that I could've sent a cheque, as I've only got NatWest's Step account.

 

Again, I feel very lucky to have stumbled across this forum just now, as I'm a single mum on benefits, and as a result of a PayPal mistake, my charges have started snowballing like crazy. I'm now almost £200 overdrawn, and was going half out of my mind! My claim is for just over £300 so will get me out of a lot of trouble, even if I have to wait.

 

In the meanwhile, the most curious thing happened, I was talking to one of NW advisors about the state of my account and what I could do, and he suggested we run a credit check to see if I can upgrade, and guess what?? They're opening up a separate Advantage Gold account for me lol! :D So in the meanwhile I shall transfer my benefits to this new account, therefore getting myself out of this pickle. Just a question though, are NW likely to threaten to close both my accounts with them? :-?

 

As a precaution I will pop in to the Post Office tomorrow and open up a card account with them, just in case I need to transfer my benefits there. Ahh the jobcentre's going to love me now. :p

 

Good news on credit check, but the A Goldcosts far outweigh the benefits. Would suggest that you downgrade to a current plus for free as A gold is £12 per month - took me ages to realise what a rip off it was. Unless of course the benefits are what you want.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Don;t forget as well that if you downgrade within 90 days that any charges for the account have to be refunded. A small that NW do not want you to know. It is in the T&C's for that account

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Good news on credit check, but the A Goldcosts far outweigh the benefits. Would suggest that you downgrade to a current plus for free as A gold is £12 per month - took me ages to realise what a rip off it was. Unless of course the benefits are what you want.

 

12 quid a month, what!! :shock: I could've sworn he told me it was £12 a year! Oh well, I shall be downgrading that one then, many thanks for that gizmo!

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Don;t forget as well that if you downgrade within 90 days that any charges for the account have to be refunded. A small that NW do not want you to know. It is in the T&C's for that account

 

And thanks for that NSM, I'm definitely going to read the T&C's now... Should've known really, I used to work for Lloyds and know what the banks can be like...

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If you used to work for Lloyds TSB do you still know ppl still working for LTSB that could also help with info on here? Would be of great use to the site

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Hi there Bristol Mummy

 

Just read your thread and had to post something. I'm a single mum too and the majority of my bank charges occurred over a period of 2 years when I was struggling on benefits. There were many times when I had to struggle by on 20 quid for the week as a direct result of the charges I was getting for going as little as 40p over my overdraft. The number of patronising conversations I had with NatWest call centre staff who were barely older than my son...!! It's the reason I'm claiming - it's criminal. Good Luck.

 

Larissa

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Hi there Bristol Mummy

 

Just read your thread and had to post something. I'm a single mum too and the majority of my bank charges occurred over a period of 2 years when I was struggling on benefits. There were many times when I had to struggle by on 20 quid for the week as a direct result of the charges I was getting for going as little as 40p over my overdraft. The number of patronising conversations I had with NatWest call centre staff who were barely older than my son...!! It's the reason I'm claiming - it's criminal. Good Luck.

 

Larissa

 

Thanks Larissa, I know it's shocking how they treat you sometimes, and talk down at you as if I'm a child! Just like yourself, I've had a few weeks now where about £40 has had to stretch to food and nappies, and it really isn't easy, but hey, it'll be worth it when I get my own back at these people...

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