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    • Thank you for this and the attached documents. It all looks fine. The worry about their confidentiality statement. This is normal practice and they probably don't even understand what it really means. They can't impose a legal duty of confidence upon you in this way and there is no reason in equity why you should be bound by a moral duty of confidence – for instance, you didn't eavesdrop this information only didn't find an obviously confidential document belonging to someone else on the street. I'm a little bit concerned about their claim that they have a contractual term with Packlink she expressly excludes third-party rights. I understand from the Cagger above that this has occurred elsewhere but I haven't seen it and certainly I'm not aware that has been relied upon in court yet. We shall certainly start advising people who come here to sue in negligence as well as contract by way of alternative
    • Ok many thanks and we need to meet the 16th May deadline ? I send this to the claimant and which court (as we haven't heard from the court yet) ? I will look at this tonight as I am really restricted at work. Could I post up a draft for you to look at ? Really appreciate any help as feeling very anxious.    
    • I would just say, ask your most challenging friend to review the emails. Are they really inferring or is your perception clouded because of your mental state? For example; asking a question is not an inference. I say this so you don't waste the court's time with minor hurts or imagined slights;  they want the significant elements. Otherwise their perception of you may be negative from the offset. 
    • Thank you. Was the value which was declared to the courier the same value as that which you are claiming? The letter of claim is a bit wordy but it does the job. However I would delete any references to mediation or any invitation to them to make proposals for some kind of settled solution. We would normally be advising people to refuse mediation that I believe that there is a new system which is just coming in where mediation becomes compulsory. With the old system, you could choose whether or not have mediation and you would have to agree to keep matters confidential and also agree that you are prepared to compromise. If these are the requirements of the new mediation system then I would suggest that you say that you are not prepared to compromise and that you are not prepared to sign up to a confidentiality agreement. In terms of compromising – the money is yours and there is no reason why should give up a penny. On this action you will be attempting to enforce your third party rights as you do not have a direct contract with EVRi. You should also sue them in negligence as an alternative on the basis that they are due a duty of care and that they failed in their duty and that the loss of the parcel was a reasonably foreseeable consequence which has caused you financial loss. As I think I said earlier, they won't respond to this or at least they won't agree to pay you are any reimbursement. This means that you will deftly have to issue the claim on day 15 which is in another five days. Have you registered with the MoneyClaim online County Court website? You need to do that the start drafting your claim. I suggest that you post your particulars of claim here before you click them off so that we can see and let you know if we think there should be any changes. Finally, you say that you are taking advice from a government website. You should realise that we are volunteers here. We don't get paid but the people who run the government website to get paid. We are very happy to help you. We help everybody completely free of charge but if you are taking advice from some other source then you should stick with them rather than ride two horses at the same time. It will only cause difficulties and conflicting advice and confusion.  
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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.

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      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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refusal letter


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hi ,new here but need advice. i am currently in the process of reclaiming bank charges from Nationwide after getting advice from elsewhere. i have this morning recieved a reply from them saying "Nationwide believes it is open and transparent about charges etc, etc.We hope that you will feel that you can abide by the Ts and Cs of the account but if you cannot,then regrettably it may be appropriate for you to consider alternative banking arrangements.

I hope this has helped to clarify our position and you will appreciate why I am unable to refund any charges on your account."

 

Any advice on what I need to be doing now

In my last letter to them asking for the charges to be repaid I included the 8% interest charge (wrong advice after reading the posts on here)

what should i do now?

As I am a newbie here any links to help with the next step would be greatly appreciated.

ITS THE VOICES IN MY HEAD THAT KEEP ME SANE:confused:

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im sat here preparing my LBA and have noticed from my statements that on 15 August N/W refunded £120 interest charges to my account (this was probably due to a letter to them asking them to cancel the charges on 3 cancelled DDs that still went out).But looking at it ,3 DD charges = £90 and an unauthorised OD fee of £20 come to £110. Should I just deduct the £120 from the amount Im claiming

ITS THE VOICES IN MY HEAD THAT KEEP ME SANE:confused:

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ok LBA ready to be posted, but im laid up with a chronic chest infection (6 wks on life support 2yrs ago). once this has gone off what should I be doing? Ive checked out the next stage and will be exemt from court charges, but should I be filling out the exemption forms now or wait till 14 days from posting LBA?

Is it worth buying the small claims kit. my printers just used its last ink and for obvious reasons cannot get out to get more.

I REALLY DONT NEED THIS AT THE MOMENT.

D

ITS THE VOICES IN MY HEAD THAT KEEP ME SANE:confused:

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Hi, sorry hear that your ill, hope you get better soon. As your exempt from the court fees, the form you need to claim on is the N1. A copy of this can be found in the template library. I would start preparing the form now as in 2 weeks obvisously you will need to take the form into your local court then you fill out the exemption forms. make sure that you take proof of your benefits and any evidence that you take must be recent, like not older than 5 weeks.

 

If you need any help with the N1 form, they please ask and i am sure that if i am unable to reply someone else will.

:p :p :pCARMEN :p :p :p

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Hi Novorapid, I too have had the rejection letter which claims there charges are open and transparent, if this is true why wont Nationwide give you a breakdown of how they incurred those costs.

 

P.S. Novorapid, are you perchance diabetic.

If what we say helps you, then please tip the scales.:cool:

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ive asked N/W several times how they can charge these amounts just to be told that its to cover extra admin cost like sending out letters about charges being taken.the only confirmation I get is at the end of my normal monthly statement..I had a big arguement with someone at H/O in July because they had cancelled my O/D unknown to me until i wanted to draw out my benefit.They backed down,re-instated and raised the O/D to also cover £90 charges being taken.they had taken all my benefit towards paying the O/D. Im paying it back at £20 month , and expecting another £90 charges on 28th.Charges for D/Ds that had been cancelled in June.

My LBA is gonna wait to see if these are taken,it may need amending.

 

and yes I am diabetic (since 73).. ID GIVEAWAY ?

ITS THE VOICES IN MY HEAD THAT KEEP ME SANE:confused:

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Wow I never get a letter, they just add a bit onto my monthly statement telling me they are going to take the money. You should ask them to explain why they charge you £30 for sending you a letter telling you they are charging you the £30 for sending the letter.:confused: Besides for £30 what is the paper made of gold.

 

Yes the ID did give it away, my wife is also diabetic.

If what we say helps you, then please tip the scales.:cool:

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ive got £90 charges going out tomorrow which will leave me over my O/D limit.The bank have just confirmed they are going out and although the account is in dispute they cannot stop these charges.So there is more money to claim back now.good job my LBA hasnt gone off yet ,it needs amending.

Will I still be able to include the extra unauthorised O/D charge even though it wont be taken for another month or should I leave it and claim it at court stage.

ITS THE VOICES IN MY HEAD THAT KEEP ME SANE:confused:

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just checked acc online, they have reduced my OD by £20 and then taken the £90, obviously to charge me for exceeding my O/D limit. ive switched all transactions in and out of the account to my parachute so wont be using N/W anymore. Ive amended the LBA and once the dogs have their muzzles on I will take it in to them!!! (oops I mean go and post it)

heres waiting.

ITS THE VOICES IN MY HEAD THAT KEEP ME SANE:confused:

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sent LBA on monday, checked account today. N/W have cancelled my overdraft.without notice! nothing is being paid in or out,,,only their charges. should i just leave it till I get reply from LBA, The amount Im claiming will maybe just cover the deficit.

They know the account is in dispute , so is it right for them to do this?

ITS THE VOICES IN MY HEAD THAT KEEP ME SANE:confused:

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  • 2 weeks later...

N/W withdrew my o/d and are now offering to re-install it. Ive had 2 calls from them asking me to bring my account back to within my original o/d limit and they will restart the reducing o/d facility.I told them I couldnt afford to do it till next Friday and that my claim was ready to be filed (wednesday 18th) They deny all knowledge of any previous letters about this.Anyway they have now decided to call me on November 6th about a payment by me into the account and the person I spoke to said that "hopefully you will have had a refund by then".

If I have, the account will be closed by then (b4 they have the satisfaction of doing it). My claim was filed yesterday so heres waiting. :o

ITS THE VOICES IN MY HEAD THAT KEEP ME SANE:confused:

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I just checked account and N/W have credited my account with two amounts over the last two days . They acknowleged the claim yesterday and ive been refunded the total amount today.It leaves me needing to deposit £9.74 to get the balance back to zero.I am now gonna write to them to see about claiming the extra that they will be taking shortly,so hopefully wont need to put in another claim for it.:)

ITS THE VOICES IN MY HEAD THAT KEEP ME SANE:confused:

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Congratulations!

NatWest Charges: £3708.81. Allocated to fast track 14/10/06. *SETTLED IN FULL* 23/10/06 5% donation made

 

HSBC Default Removal and £186 charges: N1 claim issued 28/11/06 *WON* 28/02/07 5% donation made

 

Egg Charges: £370. N1 claim issued 24/11/06. *SETTLED IN FULL* 12/01/07 5% donation made

 

Natwest Student: £150. N1 claim issued 24/11/06. *SETTLED IN FULL* 10/12/06 5% donation made

Natwest Credit card: £317.01 INCLUDING CONTRACTUAL INTEREST, *WON* 30/11/06 5% Donation Made

 

Ikano Data Protection Act deception and non-complience: N1 claim issued 28/11/06. *SETTLED IN FULL* 12/12/06 5% donation made

I am not a lawyer. All advice is merely my own opinion. Nevertheless, I've won £4675 so far!

Tip my scales if you like my advice :)

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