Jump to content


  • Tweets

  • Posts

    • Interesting question regarding what Government accounts opposition parties have access to, before an General Election. From what I understand, Government department accounts that are published are always lagging behind and would not include some amounts which are classified as 'commercially sensitive'.  Therefore opposition parties and Parliamentrary select committees would not have access to accounts which contain real time up to date information. If a new Government have found £20 billion of spending liabilities they did not know about, this could be true, as £20 billion is not that much when you look at total Government expenditure. Government department are making decisions on spending all of the time and it could be the previous Government were planning tax changes and/or spending cuts to balance the books.  Jeremy Hunt has recently said that if the Tories had stayed in Government and held an Autumn budget, it would have been very difficult to cut taxes as some had wanted.
    • Everyone knows the tories were hiding the costs - and even added 4 billion quid to the taxpayers high interest credit card to fund a chunk of the NI tax reduction - prime example - look at how much cost was hidden re the Rwanda dogwhistle -10 Billion quid     and re the handful of rebels on the benefit limit If the disasters (like the Rwanda rubbish) of Tory dogs being wagged by the extremist minority ERG tail doesn't highlight the issues .. Enlighten yourself here .. (fat chance) Sir Keir Starmer is right to show Labour rebels the door WWW.INDEPENDENT.CO.UK Editorial: Suspending seven MPs following their rebellion over the two-child benefit cap is more than a prime minister flexing his political muscle. It is a...  
    • Trump instigated that didnt he @theoldrouge despite losing the election - and Biden mitigated as much as he could within his boundaries?   "President Donald Trump ordered a rapid withdrawal of all U.S. troops from Afghanistan and Somalia in the wake of his 2020 election loss"   “The order was for an immediate withdrawal, and it would have been catastrophic,” said Rep. Adam Kinzinger, R-Ill., one of two Republican members of the special panel. “And yet President Trump signed the order.”   Trump ordered rapid withdrawal from Afghanistan after election loss WWW.MILITARYTIMES.COM The memo was among the latest revelations from the congressional committee investigating the Jan. 6, 2021, attack on the Capitol building.   Although i agree that Biden should have done more to mitigate Trump driven disasters
    • ok your WS is wrong. Paragraph 16 and 17 says  you did not contract with evri but this is not true - see below  Furthermore to the eBay Powered By Packlink T&Cs that Evri is referring to, Clauses 3b and c of the T&Cs states:  (b)   Packlink is a package dispatch search engine that acts as an intermediary between its Users and Transport Agencies. Through the Website, Users can check the prices that different Transport Agencies offer for shipments and contract with the Transport Agency that best suits their needs on-line. (c)  Each User shall then enter into its own contract with the chosen Transport Agency. Packlink does not have any control over, and disclaims all liability that may arise in contracts between a User and a Transport Agency post 251 of occy thread - £844 lost    you should also add a paragraph on donough v Stevenson talking about the fact that even without contract there is still duty of care to goods and by failing to deliver this duty has been breached.   Make those changes and post it back up here and I'll check over things again
    • no we cant add the occy thing because leicster are being difficult people so we're just going to go without it for now
  • Our picks

    • 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
      • 162 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
        • Like

Lloyds TSB


corny90
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6279 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

Hi

 

This is my first post so not sure if this is the right place for this, if it isnt sorry.

My daughter is trying to get back a measly £120 i bank charges from LLoyds and they have told her in their reply to her

 

'I note that you have mentiond that you feel the charges levied are illegal and I assume that you are referring to the new guidleines on credit card default charges. The fees we charge for going overdrawn and for returned payments are not any kind of default penalty. They are a fixed standard prices for the service we provide'

 

Is this right?

Link to post
Share on other sites

If they are talking about charges for unpaid DD's and charges for exceeding overdraft limits then that's just their way of trying to wriggle out of a claim. Have a read in the LloydsTSB part of the forum and prepare to enter into battle!

Link to post
Share on other sites

  • 1 month later...

Hi

 

I have sent he first letter to Lloyds for my daughter and was told by LLoyds that I had misunderstood and the type of charges I was referring to were credit card charges ( she is claiming £344 on charges made to her current account) I sent the second letter and received a letter stating that they would not be making any refund and enclosing a leaflet on how to contact the ombudsman. Can anyone advice me of the next step. Cheers

Link to post
Share on other sites

Hi

 

I have sent he first letter to Lloyds for my daughter and was told by LLoyds that I had misunderstood and the type of charges I was referring to were credit card charges ( she is claiming £344 on charges made to her current account) I sent the second letter and received a letter stating that they would not be making any refund and enclosing a leaflet on how to contact the ombudsman. Can anyone advice me of the next step. Cheers

 

Hi

Give them 14 days from when they received your letter then start the Court claim.

You should also start your own thread, then you can keep track of your progress and get any help you need.

Good lucK!

Barty :)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

Link to post
Share on other sites

  • 4 months later...

Hi received the same letter today even though we have been through the other letters requesting they cancel the charges. I have left the account with the charges as an outstanding amount so all I want them to do is cancel the account they wouldnt even ahve to send me any money. have now passed on case to ombudsman, figure started at £300 they are now sending me letters asking for over £600

Link to post
Share on other sites

My daughter has been trying to get her charges back for months they have now given her 10 days to pay or they will start legal action against her. It started at £300 they have now added more and more charges on so its about double that now.

I queried some charges they were threatening to make to my account 5 weeks ago. After 1 week they replied saying it would take 4 weeks, tody they write again saying it will take a further 2 weeks. The charges are due out on MOnday so I rang the number on the letter to ask if these charges would be on hold until they got their act together. Unfortunately the number they have on their letter head for Birningham is a PRIVATE number and needless to say the occupant is not to pleased at getting all of these calls. After 45 minutes of searching I managed to get through to a lady who told me that the whole department has moved from Birmingham to Andover and gave me a number which is not even similar to that on the letter head. SO far it has been engaged since 11.20am. What a shambles

Link to post
Share on other sites

  • 1 month later...

I have been offered £415 by Lloyds of a claim of £580 should I just accept or hold out. They are ringing me up to 40 times a day and I refuse to speak to them asking them to write to me instead. I have written and requested they stop ringing me but they ignored the letter. I ahve now resorted to unplugging the phone or just letting it ring. I am tempted to accept the offer and leave the remaining £165 just lying paying of a couple of quid a month to stop the harassement. But then would I be letting others down by bottling it?:???:

Link to post
Share on other sites

I have been offered £415 by Lloyds of a claim of £580 should I just accept or hold out. They are ringing me up to 40 times a day and I refuse to speak to them asking them to write to me instead. I have written and requested they stop ringing me but they ignored the letter. I ahve now resorted to unplugging the phone or just letting it ring. I am tempted to accept the offer and leave the remaining £165 just lying paying of a couple of quid a month to stop the harassement. But then would I be letting others down by bottling it?:???:

 

Hi

 

Just out of interest. Have you happened to notice what the Tel No. is that is calling you. I have had about 10 calls a day for the past 3 weeks or so (picking them up from answer phone but no message left) from a 0800 number!!

 

Thanks Bev :)

Link to post
Share on other sites

I sent the harrasement letter and they didnt respond to it. I sent the same letter to Barclays who did respond and didnt call for a few weeks and now call about twice a week. The acounts are my daughters I just do the leg work. Lloyds has a balance of -£580 all made up of charges the account isnt used and hasnt been since autumn last year. Barclays is -£800 ish again all charges and again not used since last autumn. Lloyds have their debt collection department ringing and when they were advised that the customer service people had said they were looking into it they siad they would continue to ring to ask for payment until the account was in credit. Which is why I figure if she lets them take £415 of the amount then the remainder can be left and she could put a couple of pounds in every week until they are happy. She is really scared of going to court.

Link to post
Share on other sites

Surely as you are claiming the charges back the accounts are classed as 'being in dispute' so I do not see that they can ask for payments.

PPMAN159

 

If this comment has helped please click on the scales.

Link to post
Share on other sites

Letters are received from their Solicitors demanding payment, they asked for £11 per month for 6 months, then the letter came from Customer recovery in Andover saying that they would repay £415 in full and final settlement, I dont know if this if they are still expecting the £11 per month or not. The solicitors ring and they know nothing about the £415 so I am at a loss what to do. I did contact the ombudsman and received a letter from them saying that their investigation will be complete in 1 month so I may just writ back to the bank and advice them that I am waiting to hear from the ombudsman.

Link to post
Share on other sites

Hi

 

It is an 0800 number but I programmed the phone to come up saying lloyds so I could ignore them. Everyso oftenthey change numbers so I now just ignore all 0800 numbers.

 

Hi,

 

Clever move - I might try that one then! Never thought of that - doh!

Mind you - I'd like to try and catch one of the calls to see who it is first.

 

Good luck with your claim

Bev :) :)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...