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    • Daft question - but you filed the defence on-line on MCOL as dx indicated, right?
    • We looked up the e-mail address so communications would be in writing.  If you do stuff on the phone the other party can just deny the contents of the conversation.  They can't deny what's written in an e-mail. So time to sort Pete out.  Check the following for accuracy and change anything I've got wrong.  Then e-mail Pete this evening.  I was thinking of threatening the pub with legal action but let's initially be nice.   Dear Pete, Re: PCN no.XXXXX, claim form no.XXXXX on 23 July 2022 I was a customer at your pub and I attach proof of purchase. I was picking up my cousin Ms XXXXX and her family as she was working as a cook with you at the time.  I entered the pub through the back door, went to the bar, and ordered a drink and a meal.  At no point did any bar staff alert me that I needed to add my registration number or did I see any signs advising me to do so.  I then took a seat outside in a small seated area so I could chat to my cousin while waiting for her to finish work.  We were joined by the management of the pub and bar staff during my time waiting  I was shocked a few days later when I received a demand for £100 from Civil Enforcement Ltd.  i contacted the pub and was told "don't worry, it's not enforceable". Well, that information turned out to be nonsense because I have now received a county court claim form from CEL. I contacted the pub again on XXXXX and was extremely disappointed to be told "there's nothing we can do". Of course there is something you can do.  You are the organ grinder.  You called CEL in.  You can call your dogs off.  Your pub has absolutely superb reviews on Google Maps regarding the way in which you treat guests.  Do you really think customers should be dragged to court?  I'm sure you don't. I am therefore requesting that you intervene and instruct CEL to cease court action. Yours, XXXXX
    • Thank you - Defence has now been filed Doc_20240501_182920_Redacted.pdf
    • The US central bank has left interest rates unchanged again, noting a "lack of further progress" toward lowering inflation.View the full article
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edinburghbeerbucket -v- BoS Card Services


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Was just thinking about my response to their rejection letter, when it comes.

 

The OFT report says:

 

3.18 These benefits may also include those arising out of operating a riskbased pricing policy, that is, offering a higher APR (or a separate product with a higher interest rate) to a particular class of consumers based on an evaluation of their poorer credit risk. Moreover, consumers who default are generally required to pay the full amount of interest due on the outstanding balance. A credit card company should ensure that there is no duplication between such benefits and the money recovered by way of a default charge.

 

Now I've had an APR much higher than their standard rate for some time now. I got the card as a student, so perhaps that has something to do with it.

Anyway, by charging me a higher APR than their standard rate, they have effectively already decided that I am high-risk. Perhaps since I was a student, they assumed that I would miss payment, go over the limit etc.

 

Effectively, they have already pre-estimated their costs.

 

And therefore, when they levy a £25 fine or whatever, they're charging me a second time. A duplicate charge.

 

I plan to work that into my response, anyway.

 

Your thoughts, folks?

edinburghbeerbucket :D

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Amusingly, it's transpired that the same day BoS card services cashed their cheque, my BoS student account was due to have £48 of charges applied. So guess what that means?! Yep, I'm over my overdraft, and next month I'll have at least another £48 of charges!

 

Insanity!

edinburghbeerbucket :D

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  • 4 weeks later...

Well day 40 came and went, so I fired off an email to the guy who helped me out with my bank account SAR.

 

He wrote back and said

"in most instances I would expect such a request to be forwarded to my Dept, but cannot trace this one. Could you let me have the card number and I will arrange for this to be issued urgently"

 

nice one!

 

So, in the future, if you're SAR deadline passes for some reason, fire an email off to [email protected] as he's super-efficient and his department deals with BoS/Halifax/HBOS SARs for at least bank accounts and credit cards. Possibly other products too. :-)

edinburghbeerbucket :D

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  • 2 weeks later...
  • 5 months later...

I've definately dropped the ball on this one..

 

Nov 14 06 - Sent them a request for payment, giving until Dec 7th before court action.

 

I never got a response to this whatsoever, so I've sent them a second letter (with a bunch of other complaints in there) giving until 28th April to refund or I really will sue them for it... fingers crossed!

edinburghbeerbucket :D

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