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    • Hi, the vehicle went to Audi Chingford on Thursday 13th May. I did state beforehand that I only wanted a diagnostic. The technician out of courtesy opened the drain letting huge deposits of water escape the seals. Video evidence was provided via AUDI cam. The link for the audi cam has been forwarded to BMW and Motonovo. I spoke to branch manager explained the situation and he stated he would sent me an email outlining the issue. Audi state this is not really an issue and more of a design flaw. However, the seals still have water ingress. I purchased the vehicle with £0 deposit on a 60 months HP plan for £520.00. The vehicle total was £21000. I did not go for any extended warranty. I live almost 70 miles away from the aftersales centre in Peterborough. I have previously uploaded the document I forwarded to BMW however it was in word format. I have had to buy a new tyre almost three days after purchasing vehicle. BMW still have not compensated me for the v62 cost as they said they would. 
    • I would suggest that you stop trying to rely on legal theory – as you understand it. Firstly, because we are dealing with practical/pragmatic situations and at a low value level where these arguments tend not to work. Secondly, because you clearly have misunderstood the assessment of quantum where there are breaches of obligations. The formula that you have cited above is the method of loss calculation in torts. In contract it is entirely different. The law of obligations generally attempts to remedy the breach. This means that in tort, damages seek to put you into the position you would have been in had the breach not occurred. In other words it returns you to your starting position – point zero. Contract damages attend put you into the position that you would have been had the breach not occurred but this is not your starting position, contract damages assume that the agreement in dispute had actually been carried out. This puts you into your final position. You sold an item for £XXX. Your expectation was that you your item would be correctly delivered and that you would be the beneficiary of £XXX. Your expectation loss is the amount that you sold the item for and that is all you are entitled to recover. If you want, you can try to sue for the larger sum – and we will help you. But if they ask for evidence of the value of the item as it was sold then I can almost guarantee that either you will be obliged to settle for the lesser sum – or else a judge will give you judgement but for the lesser sum. This will put you to the position that you would have been had there been no breach of contract. I understand from you now that when you dispatch the item you declared the retail cost to you and not your expected benefit of £XXX. To claim for the retail value in the circumstances would offend the rules relating to betterment. If you want to do it then we will help you – but don't be surprised if you take a tumble.  
    • I was caught speeding 3 times in the same week, on the same road. All times were 8-12mph higher than the limit. I was offered the course for the first offense and I now need to accept the other 2 offenses. I just want to be ready for what might come. Will I get the £100 fine and 3 points for each of them or do I face something more severe?  These are my only offenses in 8 years of driving.
    • I'll get my letter drafted this evening. Its an item I sold, which I'm also concerned about, as whilst I don't have my original purchase receipt (the best I have is my credit card statement showing a purchase from Car Audio Centre), I do unfortunately have the eBay listing where I sold it for much less. But as I said before this is now a question of compensation: true compensation would seek to put me back into the position I was in before the loss ie: that title would remain with me until my buyer has accepted this, and so compensation should be that which would be needed to replace the lost item. But in the world of instant electronic payment, it could be argued that as I had already been paid, the title to the goods had already transferred, and I was required to refund the buyer after the loss. And so, despite my declared value being the retail price - that which is needed to return me to my pre-sales position, the compensatory value should be the value I sold it for, which being a second-hand item from a private seller is lower. I still believe that I should be claiming for the item's full value, rather than how much I sold it for, as this is the same for insurance: we don't insure the value we paid, but rather the value of the item to put us back into the position we would be in if we ever needed to claim. Its for the loss adjuster to argue the toss
    • amusing that 'bad economic judgement on behalf of prior party ISN'T a major reason to wingers to move to deform yet immigration is, where record levels of such has been driven by the right wings terrible brexit and the later incompetent dog whistle 'proposals largely driven to whistle to the right wingnuts Just seems to confirm the are clueless numpties 'wetting their own shoes   Has farage bought a property in Clacton yet?   yet concern for the NHS is listed as a major issue even by those saying they are moving to deform  
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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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Hi all,

My first time to the site. I sent off my first registered letters to Abbey, Halifax & Smile. Had a replies from Smile and Halifax but nothing from Abbey to acknowledge my request for DPA. Shall I sit tight with Abbey or chase them on whether they have received my first letter or give them their 40days to produce my data then act??

 

foxi

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Hi all!

Help me out here folks!

After an offer from TBOS/Halifax for £301.00 "in full and final settlement" i've yet to be given what i asked for in my initial letter, statements for the past 6 years. That request has been totally ignored.

As tempting as it is to take the money and run, i realise that there is a much higher amount at stake here.

All the charges from my account were taken despite me being on benifit and despite me asking them not to take 2, sometimes 3 charges each of £39 from benifit of £260 A MONTH!!!!

you can see where it spiralled out of control.

What is my next move people and who has a copy of the formal letters?

thanks

A very worried and broke, Blue x:-(

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HALIFAX

30th Oct 06 - 18th Jan 07 - Success in claiming £3617.95

HALIFAX 2nd claim

5th Mar - 16th Apr - Success in claiming £176

EGG (3 accounts)

20th Jan 07 - SAR posted

17th Mar 07 - Paperwork received - bits missing

19th Mar - Non-compliance for missing bits posted

9th Apr - ICO complaint filed

BARCLAYCARD

20th Jan 07 - SAR posted

21st Mar - Statements received

23rd Mar - Prelim posted

31st Mar - Offer for £30 rec'd

10th Apr - LBA sent

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hi

i have issued my online claim on tuesday and i am awaiting their reply. i cant wait to hear what they say, im scared tho

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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Hi all,

My first time to the site. I sent off my first registered letters to Abbey, Halifax & Smile. Had a replies from Smile and Halifax but nothing from Abbey to acknowledge my request for Data Protection Act. Shall I sit tight with Abbey or chase them on whether they have received my first letter or give them their 40days to produce my data then act??

 

foxi

 

Thanks Didge for the info i'll check it out.

 

foxi

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Hi,

 

Not sure if I am in the right forum, but could someone advise me?

 

Have just had a telephone call from the Halifax offering me £560.00 against the £2024.00 I am claiming. This was in reply to the first letter I have sent, but they state the OFT ruling only applies to credit cards and not bank accounts. Do I carry on regardless?

 

Many thanks

Faye

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Hi,

 

Not sure if I am in the right forum, but could someone advise me?

 

Have just had a telephone call from the Halifax offering me £560.00 against the £2024.00 I am claiming. This was in reply to the first letter I have sent, but they state the OFT ruling only applies to credit cards and not bank accounts. Do I carry on regardless?

 

Many thanks

Faye

 

Carry onto LBA stage for full amount, give them 14 days to respond and then file online at MCOL.

You will get all your money back (including your court fee)

 

Good Luck

  • Haha 1

VIEWS EXPRESSED ARE MY OWN - IF THEY HELP - PLEASE CLICK MY SCALES

Halifax - S.A.R - June 06

- Pre-Lim(£1665) July 06

- LBA - July 06

- MCOL - 15th Aug 06

- Acknowledged 18th Aug

- Settled IN FULL :eek:

- 2nd Claim Started - 12 Dec 2006

- SETTLED IN FULL:eek:

- 3rd Claim Started (Phone Call) 1st March 2007

- SETTLED IN FULL:eek:

Abbey National - S.A.R - 23/08/06

- Default Removal Letter sent 21st Sept

- LBA sent with Estimated Charges 4/10/06

- 2nd LBA 23/10/06

- N1 filed 9/11/06 - Deemed Served 16/11/06

- AQ & Draft Directions filed 19/12/06

- Court Hearing 22/3/07

- SETTLED IN FULL:o INCLUDING £5k COMPENSATION

Capital One - S.A.R. 10/10/06

- SETTLED IN FULL:eek:

Alliance & Leicester - Mortgage E/S/C Claim 02/03/07

- SETTLED IN FULL:eek:

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Totally agree with Armsoft.

While the OFT statement/investigation was about credit cards, they said the same principle can be assumed to apply to bank charges, also.

Too bl**dy right. The Law - penaties-v-losses; charges in excess of costs; unfair contract terms, etc - applies across the board, whether you're dealing with banks, credit card companies, furniture stores, mafia loan sharks (let's see the first claim against those lot!), car dealers - anyone.

The offer is an attempt to stop your claim. Ignore it unless they put it in writing, in which case accept it as an interim settlement, while you proceed with the rest of your claim. They'll either withdraw the offer or settle in full. Or up it, which is most likely, but not to the full amount.

This is just another mud patch on the road of life, grasshopper!

Best

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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  • 2 weeks later...
Hi all,

 

I've sent my letter and have been contacted by customer services offering me a Gesture of goodwill of a third of what i'm owed, i told them i need to to think, should i accept and proceed or turn it down and proceed??

 

Thanks

 

Mark

 

Use the Template Letter to accept the GOGW payment which advises that you are going to persue them for the rest through the Court if needed.

They will proberbly then withdraw the offer.

Go through the process of LBA and then file in court, then you will get all your money.:D

.

.

VIEWS EXPRESSED ARE MY OWN - IF THEY HELP - PLEASE CLICK MY SCALES

Halifax - S.A.R - June 06

- Pre-Lim(£1665) July 06

- LBA - July 06

- MCOL - 15th Aug 06

- Acknowledged 18th Aug

- Settled IN FULL :eek:

- 2nd Claim Started - 12 Dec 2006

- SETTLED IN FULL:eek:

- 3rd Claim Started (Phone Call) 1st March 2007

- SETTLED IN FULL:eek:

Abbey National - S.A.R - 23/08/06

- Default Removal Letter sent 21st Sept

- LBA sent with Estimated Charges 4/10/06

- 2nd LBA 23/10/06

- N1 filed 9/11/06 - Deemed Served 16/11/06

- AQ & Draft Directions filed 19/12/06

- Court Hearing 22/3/07

- SETTLED IN FULL:o INCLUDING £5k COMPENSATION

Capital One - S.A.R. 10/10/06

- SETTLED IN FULL:eek:

Alliance & Leicester - Mortgage E/S/C Claim 02/03/07

- SETTLED IN FULL:eek:

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Guest Mumofthreeboys
Hi all,

 

I've sent my letter and have been contacted by customer services offering me a Gesture of goodwill of a third of what i'm owed, i told them i need to to think, should i accept and proceed or turn it down and proceed??

 

Thanks

 

Mark

 

That is a decision only you can make. I know what I would do. I'd send them this

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html

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Absolutely right. Keep going - so long as you're only claiming back what's owed, you will win.

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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I am claiming from Halifax for a second time I sent my prelim letter and have received the letter below shall I give up or shall I carry on with it, will they still pay up? My last claim was in September but before that claim was completed I was charged again so the charges I want to claim back now are from back then, I havn't used the account since my last claim as I opened a parachute account just incase they closed this one, so the fact they say about transfering my account to another organisation isn't a problem as I plan to close my Halifax account anyway.

This is the reply I got from my prelim letter:

 

Thank you for you recent letter.

 

I would advise that as we have already refunded charges on this account in September I am not prepared to refund any further charges.

 

I regret that our service does not meet your expectations. Considering the comment you have made, I can see no value in continuing an assotiation, which gives you repeated cause for complaint. In the circumstances you may wish to transfer your account to another organisation, who I hope will be able to meet your requirements.

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  • 5 weeks later...
hi - can anyone with experience of more than one claim against halifax (specifically card cash accounts) please let me know - have your accounts been closed, or have they at any point been threatened with closure?

Thanks

 

 

I have a claim in against Halifax for 2 accounts, both card cash, one in my name and one in mine and my ex husbands name, they are both at N1 stage, they have until 19th Jan to respond. I haven't heard anything from them re the summonses yet but at the Prelim and LBA stages I had the standard responses - not paying etc but they didn't threaten to close the accounts. Just have to wait and see what happens re the N1s. Have you had threaten of closure?

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I have a claim in against Halifax for 2 accounts, both card cash, one in my name and one in mine and my ex husbands name, they are both at N1 stage, they have until 19th Jan to respond. I haven't heard anything from them re the summonses yet but at the Prelim and LBA stages I had the standard responses - not paying etc but they didn't threaten to close the accounts. Just have to wait and see what happens re the N1s. Have you had threaten of closure?

 

Yes all standard letters threaten to close account, but never do. Im at court stage as claiming back to 1990 for charges on account. They have paid me part payment up to 2000-2006 but I am claiming back to 1990 through court........using limitation act section 32 here we come!:oops:

HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616

CAPITAL 1 - WON 19/3/07 £800.22

CAPITAL 1 - WON 19/3/07 £325.75

AQUA - MCOL 2/3/07 £172.79

ABBEY - MCOL 2/3/07 £261.37

HALIFAX VISA - WON default removal 19/3/07

PARAGON - LBA 11/3/07

CABOT -SAR 26/2/07

ROCKWELL -OFFER 20/2/07

GMAC -MCOL 7/2/07 £189.85

WESTCOT - SAR 25/2/07

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I have a claim in against Halifax for 2 accounts, both card cash, one in my name and one in mine and my ex husbands name, they are both at N1 stage, they have until 19th Jan to respond. I haven't heard anything from them re the summonses yet but at the Prelim and LBA stages I had the standard responses - not paying etc but they didn't threaten to close the accounts. Just have to wait and see what happens re the N1s. Have you had threaten of closure?

 

I had a successful claim go through the MCOL stage, with Halifax agreeing to pay out in full before we got to AQ stage.

After the settlement I started a 2nd claim, and got to LBA stage, when they agreed to settle:o

In most letters I received there was a suggestion from Halifax that as they were obviously not able to provide me with the service I require I might wish to consider taking my account elsewhere, but no direct threat of closing my account (action which I think they would find difficult to justify under the current circumstances).

They`ve paid out now on my 2nd claim, and my account is still open:D

VIEWS EXPRESSED ARE MY OWN - IF THEY HELP - PLEASE CLICK MY SCALES

Halifax - S.A.R - June 06

- Pre-Lim(£1665) July 06

- LBA - July 06

- MCOL - 15th Aug 06

- Acknowledged 18th Aug

- Settled IN FULL :eek:

- 2nd Claim Started - 12 Dec 2006

- SETTLED IN FULL:eek:

- 3rd Claim Started (Phone Call) 1st March 2007

- SETTLED IN FULL:eek:

Abbey National - S.A.R - 23/08/06

- Default Removal Letter sent 21st Sept

- LBA sent with Estimated Charges 4/10/06

- 2nd LBA 23/10/06

- N1 filed 9/11/06 - Deemed Served 16/11/06

- AQ & Draft Directions filed 19/12/06

- Court Hearing 22/3/07

- SETTLED IN FULL:o INCLUDING £5k COMPENSATION

Capital One - S.A.R. 10/10/06

- SETTLED IN FULL:eek:

Alliance & Leicester - Mortgage E/S/C Claim 02/03/07

- SETTLED IN FULL:eek:

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I am claiming £900 from Halifax credit cards. I sent them a letter before action on 29/12/06. Their first refusal letter arrived on the 27/12/06, dated 19/12/2006.

 

How much longer should I wait for their response?

 

JG65,

If you have followed the process so far, and have sent the LBA after the `polite` letter asking for your money back (and allowed 14 days from the polite letter before sending the LBA), you need to allow 14 days (plus 1 day for delivery).

If they have not responded (or responded with a further refusal) after 15 days from sending the LBA (13th Jan), then file with MCOL.

 

Hope this is of help.

VIEWS EXPRESSED ARE MY OWN - IF THEY HELP - PLEASE CLICK MY SCALES

Halifax - S.A.R - June 06

- Pre-Lim(£1665) July 06

- LBA - July 06

- MCOL - 15th Aug 06

- Acknowledged 18th Aug

- Settled IN FULL :eek:

- 2nd Claim Started - 12 Dec 2006

- SETTLED IN FULL:eek:

- 3rd Claim Started (Phone Call) 1st March 2007

- SETTLED IN FULL:eek:

Abbey National - S.A.R - 23/08/06

- Default Removal Letter sent 21st Sept

- LBA sent with Estimated Charges 4/10/06

- 2nd LBA 23/10/06

- N1 filed 9/11/06 - Deemed Served 16/11/06

- AQ & Draft Directions filed 19/12/06

- Court Hearing 22/3/07

- SETTLED IN FULL:o INCLUDING £5k COMPENSATION

Capital One - S.A.R. 10/10/06

- SETTLED IN FULL:eek:

Alliance & Leicester - Mortgage E/S/C Claim 02/03/07

- SETTLED IN FULL:eek:

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  • 4 weeks later...

Hi all :)

 

Just like to say hello as I'm a newbie here and to say thanks for such a great site! Really useful info and a helpful guide!

 

I sent off my very modest claim for just under £250 2 weeks ago (giving them 14 days to reply) and last week received a letter from Halifax acknowledging my 'complaint' and telling me their complaints department would review it and get back to me within 4 weeks.

 

Has anyone else had this kind of letter in response to their initial claim from Halifax and if so, what happened next?

 

Many thanks,

S

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Hi, Sazza

 

Perfectly standard response, as you'll see if you glance up this thread a bit - and just about every other one on the site!:)

 

Do not let them set the timetable. YOu wrote to them 2 weeks ago - it's now time for the LBA, giving them 2 weeks to reply. If they don't reply within two weeks, take 'em to court.

 

Their 'give us four weeks to investigate' letter has a two-fold purpose: to find out if you know what you're doing and to see how far they can string you along.

 

Don't be strung along. Stick to your timetable. And don't be caught out by ignorance - read the FAQs and as many successful claims as your brain can stand!:D

 

Best wishes

 

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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I didn't file MCOL but my understanding is that the Northampton bulk court will tell you if it's tansferred to another court, and where.

 

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Ooops - misunderstood. I think you send it - and your PoCs - to the defendant. Look at the website address again to see if there's a snail-mail address to file to. Others will know better than I.

 

W

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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