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    • 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
    • Hi What they have asked in what you have highlighted isn't unusual at all as Councils have numerous different departments that deal with specific different areas within that council. So if what you are asking in your DSAR is say specific to Housing Benefit, Council Tax Benefit, Planning Permission etc then just let them know that specific area. On the other hand if you want every bit of DATA they hold on you then simply tell then ALL DATA they hold on you it's them up to then to go through all depts to check for it. 
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      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.

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


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hi everyone,

Just been settled by HSBC so have decided to get back all the money barclays took from me. The account must have been closed 3 years ago but i still remember the account number so i'm on my way. The sar is ready to go first thing tomorrow. Watch this space and watch out barclays here i come!

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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thanks for relpying bookworm. i'm not expecting fast time scales from barclays as i know what they are like! good luck with your case- not long till your hearing.x

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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received letter from peter townesend, suspect a standard one entitled Data Protection Act (very boring, mentions stuff like microfiche blar blar blar!) i am going to ignore this and stick to my timetable. on 31st OCtober 40 days up

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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am impressed- have just inputted figures from statements and it looks quite good. 2 questions- i have some charges going bck to 1998- can i claim for these? also anyone know what 'paid referal' means on statements i have 2 of thse @ £20 each and i dont know what they are? any help gratefully received

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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am impressed- have just inputted figures from statements and it looks quite good. 2 questions- i have some charges going bck to 1998- can i claim for these? also anyone know what 'paid referal' means on statements i have 2 of thse @ £20 each and i dont know what they are? any help gratefully received

 

any help

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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any help

 

Hi paid referal means they have asked the manager about the charge and you can claim this back. As for going back to 1998 i am currently starting this action against rbs from 1991 i will be starting a thread tomorrow. there are already a few threads regarding this check these out.:D

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thanks for you quick reply- great news will add this to my claim. Although i have other claims undergo and have been settled by hsbc, this is my first claim without outstanding debt- so it alot more exciting! Thanks agin.

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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my abbey accounts was 9.9% and my hsbc was 14.8% - does anyone know what percentage i was charged for this barclays additions account. have looked at barclays site but as usual the important info isn't there. does anyone have a rough idea?

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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my abbey accounts was 9.9% and my hsbc was 14.8% - does anyone know what percentage i was charged for this barclays additions account. have looked at barclays site but as usual the important info isn't there. does anyone have a rough idea?

 

hi check out bank fodders thread regarding contractual interest.:D

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after lots of looking, asking questions and phone calls, i have just foubnd out that the barclays additions account is at 9.9% and has always been. sorted. will print the schedule and send today. watch this space.

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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recieved letter dated 12th oct acknowledging my prelim request, explaining that whilst they will try they cannot guarentee a response within my timescale. tues 24th next letter to go

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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  • 2 weeks later...

Hi Sarah,

Just been reading your thread and wandered if you could help?

I have just filed my MCOL against Nationwide and am now on i roll to hit anyone that has charged me. Banking with Barclays for years til they closed all my accounts due to going heavly overdawn (whilst i was off work with broken leg, how kind) are next on my hit list. I have two questions for you 1. Is the address for Barclays, 1 Churchill Place, London only got a few which did you use and 2. I had a loan with Barclays do you know if that would be covered by the same S.A.R letter or are they seperate?

Would be very grateful for you or anyone out there to help, still new to this but beleive me reading and learning every day. What a great site !!!!

Regards Mark

NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

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hi mark,

 

1. i have used the churchill place address all the way through.

2. as long as you list the account numbers for both bank account and loan on the sar, it can be on the same letter and you only need pay £10 and it will cover both accounts.

Hope that helps- and good luck!

 

ps sorry it took so long to reply

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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Hi again Sarah,

 

Thank you so much for clearing that up, i will be sending them my S.A.R this afternoon. I always knew they was i reason for keeping old loan agreements and bank statements. When i get my charges back there will be a burning session in the bank garden, saying goodbye to Barclays Forever lol

 

Thanks again you are a star,

 

Regards Mark

NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

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Hi again Sarah,

 

Thank you so much for clearing that up, i will be sending them my S.A.R this afternoon. I always knew they was i reason for keeping old loan agreements and bank statements. When i get my charges back there will be a burning session in the bank garden, saying goodbye to Barclays Forever lol

 

Thanks again you are a star,

 

Regards Mark

 

no problem. I have bought a shredder so i can do the same!!! Good luck.

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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  • 2 weeks later...

received letter today-- standard blar blar blar ....sorry to hear that i think the charges incurred are unfair, barclays is aware of the information i have brought to their attention, however they disagree with my view and are unwilling to refund charges. blar blar blar again! They are starting to bore me- will file N1 as soon i can get to court.

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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Just to confirm (from my understanding) the SAR is a request for all details pertaining to you (the subject) not to the account, so yes, one request, one £10 and all the gen they've got comes your way.

 

The S of SAR is the important thing to bear in mind.

 

Sorry Sarah for jumping in on your thread. By my reckoning you should be about to go through MCOL yes? (me too, on Thursday of this week).

 

Vince

"Well, as through this world I've rambled

I've seen lots of funny men.

Some will rob you with a six-gun

And some with a fountain pen."

 

Pretty Boy Floyd, Woody Guthrie 1940

 

"Some things never change", Vince 2006

 

All advice given is based on my reading of others' experiences on this site. I am not a lawyer, nor am I a beagle, a grapefruit or a trampoline. I will not be filed, sorted, classified or parboiled. I am not a number, I am not an animal, I am the walrus (goob goob a joob)

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