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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.

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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.
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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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Lloyds TSB changes to charge structure


royboy68
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Hi all, just recieved a letter from Lloyds regarding changes to current accounts if you go overdrawn, There was me being nieve again thinking wow they are taking notice. Then i woke and read the leaflet.

Quote

 

CAPPING FEES

We are Pleased to announce that we are introducing a cap on returned item fees. This means if you dont have enough money in your account to pay a direct debit, cheque or standing order, we will ONLY apply a maximum of THREE of these charges a DAY. ( Gee thanks )

 

BUFFER FACILITY REMOVED

At present we offer you a buffer facility, which means we do not charge you when you go up to £10 over the overdraft limit we`ve agreed with you. This buffer WILL BE REMOVED, and charges for exceeding any agreed limit will be applied to all current accounts.

 

CANCELATION OF FEE WAIVER

In the past, you may not have incurred a charge for going overdrawn or over the overdraft limit we`ve agreed with you for the first time in any 12 month period. This fee waiver will no longer apply and YOU WILL INCUR FEES from the first time you go overdrawn or exceed any agreed limit.

 

If you hold a Platinum or Premier Account you will continue to benefit from the fee waiver.

 

How wrong could i have been.

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I got the letter yesterday, but didn't have the energy to read it, so thanks for picking out the salient points! I think there may be a few more cliams coming in LTSB direction!!

:p MY POSTS ARE MY OPINION ONLY...IF IN DOUBT TAKE PROPER ADVICE...I'M JUST CLAIMING TOO !

 

NatWest SETTLED IN FULL 25/08/06

Capital One settled in full 12/10/06

LTSB prelim letter sent 25/08/06

LTSB standard prelim response received 02/09/06

LBA sent 15/09/06

DONATE TO THIS SITE BY CLICKING THE LINK AT THE TOP OF THIS PAGE

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:D I got the same letter this morning...Including 3 copies of the leaflet..you think they maybe trying to tell me summin..lol.

 

I think what the meant to say was..since we have had to pay out dosh to moaning bunch o :!: :!: :confused: on CAG we are making it easier for ourselves to take more money off the ones who dont complain.

 

Im sure mine was signed by

 

Mr Robin Barsteward

Customer Services..:lol:

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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it's my opinion the bank are trying to collect as much as they can from these default charges before the OFT lthrow the gountlet down at the banks. I can't wait to see what happens and I would personally like a case to go to High Court for a precendent to be set that could see tens of thousands of cases arise where people are demanding the repayment of their money.

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I completely agree Mooreda. When i first opened the letter i was foolishly thinking they had gone the other way but after reading it an taking into account the strong way its worded i came to the same conclusion as you. I was wondering if they are targeting the people who have had charges alone to try and scare them off from making claims. It would be interesting to find out if its a general mailing to all or not.

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It would be interesting to find out if its a general mailing to all or not.

 

Exactly my thought, royboy.

My LTSB accounts are all closed so I am unaffected, but maybe somebody could establish whether or not this is a general letter.

 

If it's targeted at only those who have claimed, then it's retaliatory and should be contested.

 

You can respond to the letter with a copy of the FSA Briefing Note BN023/06 and then complain to The Banking Code Standards Board.

 

Elsinore

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It's all customers. I had a letter yesterday.

 

Uk..

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Could this mean that they already know that the are going to have to reduce the charges, and this is a way of making sure that they can apply even more charges in an underhand way.

 

Not too sure but I always thought that they would only apply a max of 3 charges per month..Now its up to 3 times per day...

 

Suppose they have to get their Christmas Bonus somewhere..

 

I know as soon as my Claims are settled with Lloyds Im moving to another bank and will state their new policy as my reasons.

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Can't say I've received one of these yet - but then again, I'm not one of Lloyd's favourite people ;)

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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