Jump to content
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


  • Tweets

  • Posts

    • ProperDribbly
      Evri has probably lost a Parcel again.

      By ProperDribbly · Posted

      Wow thats incredible. Thank you so much
    • BankFodder
      Evri has probably lost a Parcel again.

      By BankFodder · Posted

      If the purchaser denies having received it then sue P2G. If you simply don't hear anything more from the purchaser then you have the purchaser's name and address – and frankly for £48 I would go ahead and sue. As long as you have good proof of delivery then your chances of success are probably better than 95% and frankly the purchaser would probably put their hands up as they would effectively be being sued for the civil equivalent of theft. I wouldn't let it go if I were you. It would be a good exercise for you and gives you confidence the next time something comes up which is may be much more valuable
    • scott425
      Employment Tribunal

      By scott425 · Posted

      Thank you again Emmzzi for your insight. Not only did I do the work, but as a maths tutor delivering financial literacy workshops under the Govt Multiply project, the college were paid £400 for each student I recruited, which makes it an even bigger kick in the teeth! I spoke to Citizens Advice Bureau on Friday who advised me to go back to ACAS for advice and assistance, as ACAS are the experts in employment matters. They did also mention small claims court, as being more straightforward and less complex, but surely their solicitor would just contest this and I would lose the £80 court fee? If I did submit a claim through the small claims court, would I just leave the employment tribunal running until the outcome? The deadline for me to submit my schedule of loss is tomorrow, so I will submit today so that they cannot hold me in breach.
    • ProperDribbly
      Evri has probably lost a Parcel again.

      By ProperDribbly · Posted

      Ive just checked the tracking again and its actually out for delivery today! Anyway,  I refunded the buyer on Ebay off my own back on the 2nd of June they havent opened a case or anything like that so surely i cant take action against either the buyer or P2G/ Evri can i ? Id hope the buyer would see fit and pay but you know what people are like these days ... Once its delivered I'll send him a polite message asking for payment but i suspect there'll be no reply      
    • BankFodder
      Evri has probably lost a Parcel again.

      By BankFodder · Posted

      Thanks for this update. Let's not if you have any more difficulty – in particular if you have difficulty getting paid back from the purchaser. We can help you either against the parcel delivery courier or against the purchaser

  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.

      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
      • 1 reply
      BankFodder

      Picked By

      BankFodder,

    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      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
      BankFodder

      Picked By

      BankFodder,

    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
      WanTToMoveOn

      Picked By

      WanTToMoveOn,

    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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
        • Like
      BankFodder

      Picked By

      BankFodder,
    View All

  • Recommended Topics

Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

loan payments to cover bank charges

cheekismo

By cheekismo
in NatWest Bank

 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6340 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

cheekismo

cheekismo

Posted
Posted

Please help

 

Due to costly bank charges my finances were in tatters, I got called into my local branch for an account review. My spirits were down and my head all over the place due to my money problems, the banks advisor persuaded me to get a loan to sort myself out.

 

Now I've found out I can claim the excessive charges back I'm delighted but still annoyed that I've been paying loan repayments to the bank to cover the cost of there original charges!

 

Is there any way to claim part of the loan back as if the charges were not so high either the loan wouldn't exist or would have been smaller>

Link to post
Share on other sites
dolly

dolly

Posted
Posted

Someone on the Lloyds forum claimed exactly that - the charges plus the loan. It was a while back but I will see if I can find the thread for you.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

Link to post
Share on other sites
  • 1 month later...
Kate234

Kate234

Posted
Posted

Keep this updated as the same happened to me :x and i am plan to claim back the interest and the payment protection they talked me in to getting, obviously without their charges we wouldnt have needed the loan in the first place! i would be interested to hear what happens. good luck!:D

Link to post
Share on other sites
meagain

meagain

Posted
Posted

If the loan is still outstanding, you should be able to claim for the entire amount required to settle the loan. While this includes part of the money you legitimately owe, you have a burden as a result of the charges that you would not otherwise have taken on. Beware that you might need to reject early offers of settlement if you want to try this though, as you will have to take it right to the wire to force that money out of them.

HSBC • Lloyds TSB • contractual interest • New Tax Credits • coming for you? • NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

Link to post
Share on other sites
cheekismo

cheekismo

Posted
  • Author
Posted

I have rejected 2 settlement figures from Natwest and I have now completed my Money claim Online form and submitted.

 

I am still claiming for the interest on the loan as indeed without the Banks charges I wouldn't have needed the loan.

Link to post
Share on other sites
gizmo111

gizmo111

Posted
Posted
I have 2 calims in where I am claiming back the interest that relates to the charges - cobbetts are arguing over the loan interest, must be due contact from them soon as I last refused 2 weeks ago.

 

Spoke to Cobbetts today and they are sending cheque for amount less the loan interest and applying for summary judgement for that part of the claim to be struck out. Guess it'll be off to court then!

 

Has anybody been paid this interest back - I can't find it anywhere.

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

Link to post
Share on other sites
  • 1 month later...
cheekismo

cheekismo

Posted
  • Author
Posted

Have received a letter from Cobbetts today, inside was a defence letter and also the famous CPR part 18. I will be sending them a letter back stating that these are intimidating tatics and also stating that I've sent the court a copy of the letter and CPR part 18 request.

 

I look forward to the next couple of days, I should receive my AQ from the courts.

 

I also find it poor that they are asking for a schedule of charges, considering I must have sent it at least 3 times to Natwest. I feel like being cheeky and telling them to contact Stuart Higley for them but I wont.

Link to post
Share on other sites
cheekismo

cheekismo

Posted
  • Author
Posted

Yes I claimed for the loan interest, I'm that annoyed that I have been paying a loan for the last 4 years, that in reality I wouldn't have needed to take out if the excessive bank charges were never placed on my account.

 

In some ways I would love the loan payments paid back to me as well plus the payment protection that I am sure was mis-sold to me! This maybe a bit tricky though and I cant see too many threads with people claiming money back from loans taken out to clear debt due to the banks charges.

Link to post
Share on other sites
  • 4 weeks later...
cheekismo

cheekismo

Posted
  • Author
Posted

Have received a copy of the allocation questionnaire that cobbetts have submitted to the courts. it reads.

 

Case Management directions cannot be proposed until the claimant serves a reply to the request for further information which was due on 22 December 2006. In light of this, the defendant may amend Defence or apply to strike out.

 

Had already sent cobbetts a letter stating I wont be filling the cpr part 18 request. Natwest already have 3 copies of my spreadsheet with list of charges.

Link to post
Share on other sites
Deller

Deller

Posted
Posted

Usual scenario, don't panic your cheque wont be far away!!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

Link to post
Share on other sites
Kate234

Kate234

Posted
Posted
Yes I claimed for the loan interest, I'm that annoyed that I have been paying a loan for the last 4 years, that in reality I wouldn't have needed to take out if the excessive bank charges were never placed on my account.

 

In some ways I would love the loan payments paid back to me as well plus the payment protection that I am sure was mis-sold to me! This maybe a bit tricky though and I cant see too many threads with people claiming money back from loans taken out to clear debt due to the banks charges.

 

 

this is what i want to do... i was sold pp when i wasv a student with no real income..... and i want the intrest on my payments too, like you said if it wasnt for the charges...

Link to post
Share on other sites
  • 2 weeks later...
cheekismo

cheekismo

Posted
  • Author
Posted

I'm getting a bit confused which maybe is no surprise considering cobblers are involved.

 

The court has issued a hearing date of the 5th March, but have asked that I do reply to the defendants request for further information. Looking back at what Cobblers have sent to me in the past, they have asked for a list of charges and the CPR part 18.

 

Last week I sent them another copy of the charges and explained I had sent Natwest a copy of these at least 3 times in the past, I also sent the court a copy.

 

I am now worried as do the court want me to answer the CPR Part 18, if so is it best that I do this but also send Cobblers a Part 18 request of my own asking for further information regards the charges?

Link to post
Share on other sites
sophia

sophia

Posted
Posted

Hi

 

I have just stumbled across this and discovered the same has happened to me - being forced to take a consolidation loan to cover £100's charges in one month? Has ther een an update as to if you can claim the loan & interest? Cheers

Link to post
Share on other sites
gizmo111

gizmo111

Posted
Posted
I'm getting a bit confused which maybe is no surprise considering cobblers are involved.

 

The court has issued a hearing date of the 5th March, but have asked that I do reply to the defendants request for further information. Looking back at what Cobblers have sent to me in the past, they have asked for a list of charges and the CPR part 18.

 

Last week I sent them another copy of the charges and explained I had sent NatWest a copy of these at least 3 times in the past, I also sent the court a copy.

 

I am now worried as do the court want me to answer the CPR Part 18, if so is it best that I do this but also send Cobblers a Part 18 request of my own asking for further information regards the charges?

 

Have a read here there is info on how to reply - is this the same court by any chance?

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

Link to post
Share on other sites
gizmo111

gizmo111

Posted
Posted
Hi

 

I have just stumbled across this and discovered the same has happened to me - being forced to take a consolidation loan to cover £100's charges in one month? Has ther een an update as to if you can claim the loan & interest? Cheers

 

You could only claim the interest that related to the charges that were rolled over into a loan, and then they fight it every step of the way have a read here of where I ma up to may help.

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/11431-nat-west-3-claims.html

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

Link to post
Share on other sites
cheekismo

cheekismo

Posted
  • Author
Posted

My case is being held at Durham Court, I sent the court a letter last week asking if I was expected to answer the CPR Part 18. Have not had a response yet. Maybe I need to ring the court.

 

What exactly do I need to send to the court and cobbetts regards in preparation for the case on the 5th March? IE: Disclosure of documents.

 

When filing my POC on Money Claim was I meant to put my costs in or is that decided by the courts?

Link to post
Share on other sites
cheekismo

cheekismo

Posted
  • Author
Posted

The letter from the court says the following

 

1, The hearing of the claim will take place on the 5th March and should take no longer than 1 hour.

 

2, The claimant do file and serve a reply to the defendant request for information by 25th January 2007.

 

3, Disclosure of any documents by 8th February 2006.

 

The parties must file at the court and serve on the other party not later than 14 days before the hearing the following:

a, copies of all documents upon which they wish to rely.

b, statements of all witnesses, including the parties, upon whose evidence they wish to rely.

Link to post
Share on other sites
cheekismo

cheekismo

Posted
  • Author
Posted

HELP!!

 

Spoke to a woman at the court today as I was trying to find out if I needed to send the CPR Part 18, she told me she couldn't help as I was speaking to a court and not a legal team!!

 

I told her all I was after was an explanation to the correspondance the court had sent me, and what further information they wanted me to send to cobblers!

 

Do I give in to Cobblers request and send the CPR Part 18 back to them, I see there is a thread with the majority of the answers. does anyone have the answers to Cobblers CPR Part 18 4.1 & 4.3,

4.1 please specify the clause(s) pursuant to which the charges were applied:

4.3 please identify in each case the particular breach of contract (by ref to appropriate term(s) of the contract that the charge related to.

 

Also do I send Cobblers my own CPR Part 18 for them to answer?

Deadline given by the court fast approaching - 25th Jan!!!

 

Any help much appreciated.

 

Thanks in advance.

Link to post
Share on other sites
 Share
Go to topic listing

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...