Jump to content


  • Tweets

  • Posts

    • Might be worth passing story to RIP off Britain?
    • Thanks, I've had my fill of this lot. What makes me so mad is that I had to take out student loan to get any DHSS help. And then when I tried to help myself and family they presented obstacles.
    • there is NO exposure if you simple remove your name address/ref numbers etc from docs, over 10'000 pdf uploads are here. which then harvests IP addresses off of the people that then do so..which is why we do not allow hosting sites. read our rules and upload carefully thats exactly why we say capture as JPG, redact, then convert/merge to one mass PDF. then online sites to achieve that we list do not leave watermarks.  every once in a while we have a user like you that thinks they know better...we've been doing it since 2006 with not one security issue. thank you.
    • was at the time you ticked it  but now they've still not complied . if you read up, here , you'll see thats what everyone does,  
    • no they never allow the age related get out, erudio are masters at faking supposed 'arrears' fees which were levied before said date and thus null its write off. 1000's of threads here on them!! scammers untied that lot. i can almost guarantee they'll state it's not SB'd too re above, but just ignore them once sent. dx    
  • 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
      • 161 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

Maundy Vs Lloydstsb


maundy58
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6322 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 all,

 

I have received a copy of the Defendants Allocation Questionniare from Sechiari, Clark and Mitchell. The have asked me to acknowledge safe receipt and a copy of my AQ...presumably I need to do this?

 

Going through the questionnaire I have noticed in section D, WITNESSES, they have put 1 in the box - what other witnesses can they call? In the experts section E they have ticked "no". Is this a standard AQ reply from the defendant? They are unavailable all of December - I was expecting that. And in section G, they have put "the defendant intends to rely on its defence and the terms and conditions that govern the account". I just wasn't expecting to see a 1 in the witnesses box...can anyone advise please?

 

Regards

 

David

Link to post
Share on other sites

  • 4 weeks later...

Hello all,

 

Well, got my court date through this morning - 14th March 2007 at 1400. Just going to do some reading on the forum as to what I need to send to SC&M and the court; as the Court letter asks for copies of all documents on which we intend to rely on at the hearing. They also want a statement by each party and any person who is to give evidence.

 

Regards

 

David

Link to post
Share on other sites

See the link in my sig below for a statement of evidance.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

Link to post
Share on other sites

  • 4 weeks later...

Hi all,

 

Just getting my last bits and pieces ready to send off to the court and SC&M. This is what I've got - can someone advise if this is OK or not. The court date is the 15th March.

 

  • STATEMENT OF EVIDENCE - From the forum.
  • The Court bundle from the site, which includes my schedule of charges that the bank sent out from my request, and the relevant case law.
  • My letters and the bank's replies to my request for a refund of bank charges.
  • Money Programme research into cost of bank charges
  • Media release regarding Austrailian banks making hundreds of millions of dollars each year from unlawful fees
  • OFT's report on credit card default charges
  • Myself and the Bank's allocation questionnaire.
  • The Bank's defence

Have I missed anything out, or do you suggest I add anything. I noticed in the basic court bundle it mentioned statements. Do I need to include these too? I have no originals, only the one's the bank sent me.

 

Lastly, I was going to present it in a tabulated folder and label each section accordingly - would that be appropriate? Last hurdle for me, so I don't want to make any mistakes.

 

Kind Regards

 

David

Link to post
Share on other sites

  • 1 month later...

Hi all,

 

Just got a letter from SC & M this morning. Informing me that their client will be settling in full - £1, 648!!!! Wonderful news. In the 5 or so months it's taken to claim this, I've managed to rack up another £400 worth of charges. Has anyone taken their bank on for a second time?

 

Regards

 

David

 

PS donation inbound ASAP!!!! Thanks to everyone at this site for all the help and advice.

Link to post
Share on other sites

Excellent!!

 

Please complete the bank survey……….cheers for the donation.

 

See here for advice after settlement:

http://www.consumeractiongroup.co.uk/forum/general/7261-when-you-get-your.html

 

Congratulations. Enjoy the dosh!!!

 

Has anyone taken their bank on for a second time?

 

Yes, plenty. They may close your a/c 2nd time around, so a parachute a/c would be wise.
Link to post
Share on other sites

Congratulations Maundy, well done!

Did you have to actually send off yuor court bundle or did they offer settlement before you were able to send it? I'm a bit behind you having just passed the AQ stage and hoping they are likely to settle early

If only I'd known then what I know now.

Link to post
Share on other sites

Congratulations!!! Excellent news, well done!!:D

 

You'll probably find that they pay up just after the LBA the second time around - thats been the case in every second claim I've seen recently. As MB said, they are more likely to close your account than if you claim only once, but having said that I'm not aware of a case in which they have closed one recently. A parachute is certainly wise though.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

Link to post
Share on other sites

As you submitted a bundle at your expense for a claim which clearly Lloyds had no intention of defending, I would strongly advise you to write to the court and request that your preparation costs be paid by the defendent. Here's a letter to send to the court, which also doubles as a 'withdrawal of claim' letter - http://www.consumeractiongroup.co.uk/forum/lloyds-bank/65921-application-costs.html

 

If you use it, please let us know how you get on.:)

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...