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    • Thank you very much for your letter in regard to the above mentioned shipment.  Due to the high volume of parcels coursing through the courier network each day, undergoing continuous processing and handling, certain packages may experience delays or even can get lost in the course of this journey. Please note that due to the time that has passed, this shipment has been declared as lost.  I have today processed the claim and made offers to the value of £75 as a goodwill gesture without prejudice. I do acknowledge that you have mentioned in your letter that the value was higher, however, you did not take out any protection to that amount. The protection for this shipment was £20 and we will not be increasing our goodwill offer any further.    Please log into your account online in order to accept our offer. Once accepted, our accounts department will process the claim accordingly. The claim payment will be processed and received within 7 working days.                                  In addition, a refund of the carriage fee will be processed as a separate payment and will be received within 3 working days.  If I can further assist, please feel free to contact me.   I have also just noticed that yesterday afternoon they sent me an email stating that "after my request" they have refunded the cost of shipping. I did not request the refund so will mention that in my letter as well.
    • Hi I had to leave Dubai back in 2011, during the financial crisis. And only now have I received a letter from IDRWW. Is this anything to worry about about as I have 2 years left until it’s been 15 years(statute barred in Dubai). Worried as just got a mortgage 2 years ago. Could they force me in to bankruptcy? Red lots of different threads on here. And unsure what true and what isn’t. 
    • Not that TOR will see this now he's thrown in the hand grenade. Rayner has plenty of female supporters on X, for a start. As for the council and HMRC, fair enough and I thought Rayner was already in touch with them. That's where it should be dealt with, not the police force. @tobyjugg2 Daniel Finkelstein thinks the same as you about tax. The Fiver theory. How the Fiver Theory explains this election campaign ARCHIVE.PH archived 28 May 2024 17:36:51 UTC  
    • Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
    • So Rayner who is don’t forget still being investigated by the local council and HMRC  is now begging to save her seat Not a WOMAN in sight in this video other than Rayner  Farage is utterly correct this country’s values are non existent in her seat   Rayner Pleads With Muslim Voters as Pressure From Galloway Grows – Guido Fawkes ORDER-ORDER.COM Guido has obtained a leaked tape from inside a meeting between Angela Rayner and Muslim voters in Ashton-under-Lyne...  
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    • If you are buying a used car – you need to read this survival guide.
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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.

      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.

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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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Should of found this site first.Anyway recieved 6 years statements ,trawled through them, totted up all the charges then sent my letter asking for it to be returned(Used the template off Which as i had not found this site).Recieved the standard letter saying No, then they gave me 8 weeks to reply if they didn`t here anything they would consider the matter closed.That time limit is about up, (can`t find the dated letter) due to the fact i felt uneasy about going to court and i work next door to the branch i am claiming from.But on reading these threads it has given me the determination to see it throgh.

 

Have i missed the boat or is my next step the LBA.

 

Thanks

Sid

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Get the LBA sent now asap. Remember its to your schedule not theirs, and it looks good in court you gave them more time so dont worry about it. But try to stick to your timetable.

 

They never felt uneasy charging you with you working next door so claim back what is yours and good luck.

 

 

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Glad you have decided to coninue your claim. You never know the people in the branch might actually be rooting for you. Can you imagine working for a bank like that? I get the impression that the banks care as much about their staff as they do about their customers.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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sid - go to

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

 

the letter is in the grey box

 

point on the "your address"] part of the box and left click on your mouse

 

keeping the left click pressed down drag the mouse down to the bottom of the grey box to where it says "[name]"

 

the letter should all be highlighted in blue

 

let go of the left click button

 

right click the mouse and select "copy" from the little pop up that appears

 

go into Word, open a new document and press the right hand click again

 

select "paste"

 

Hope this helps

My posts are offered informally, without prejudice and without liability. You should seek the advice of a qualified insured professional.

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Thanks Isobel,I think my problem is that i do not have microsoft office on my laptop i do have it on my desktop but that is in storage as i am having house renovations.Is that correct?

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Just about completed my summary of charges to be sent with my LBA, but the template has stopped calculating the interest as there is no more ficticious data to change (down to line 160 ) on the simple excel version.Does this make sense?

 

Also i did not send a summary of charges with my prelim letter just added a total amount could this alter things.My head is battered with trying to search for this info so apologise if these are repetative Q.

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Highlight some of the completed rows in the spreadsheet, right click and copy. Click on row 160 and right click, copy inserted cells. Just replace the duplicated charges with new ones, and the formulas should continue to calculate.

 

If you are not sure you are doing something right, save the spreadsheet, do what you think needs doing and when you think it is right save again. If you go wrong you can just close the spreadsheet without saving, and when you reopen it you will be back to square one with no harm done.

 

It is fine to change the amount in your LBA and your court claim if you need to amend the schedule of charges.

 

Hope that makes sense and works

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 2 weeks later...

Just completing my MCOL.

 

Do you put the defendants branch address or head office, i sent all other info to the branch?

 

When you calculate the daily rate it is 0.00022 x £1726 = 0.37

 

Charges £1726

8 % int £398.92

Total claim £2124.92

 

Is this correct?

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Put the branch address or you will end up in the Scottish court system as that is where the head office is based.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Received a letter off Clydesdale 20/11/2006.Confirming the bank has filed an acknowledgement of service.

 

But claim i have not provided Acc details and sufficient details of the charges i should be refunded and given me until 6/10/2006 (yes it says october ) to provide them. Yet i already sent these details with my LBA.

 

Do i send them again?

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I had the same letter and sent them again so they could not wriggle out of anything. This seems to be the latest tactic in delaying the claim, just send again with a covering letter......

 

Started 25th Sep 2006 - got cheque on 4th December 2006. Settled without interest but full amount plus court costs :)

A & L Watch out buddy you are next 2007!!!!

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You are fine to deal with legal services in Glasgow now your claim has started.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 1 month later...

My N149 has to be recieved by my local court no later than 1/1/2007, so need to send by recorded delivery today.I copied the text off the template for section G, but also noticed the DRAFT ORDER FOR DIRECTIONS in the CAG newsletter. Do i attach this aswell or is it only relevent to the N150

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  • 3 weeks later...

Recieved notice of allocation to the small claims track (hearing) today. The hearing date is 16 april 2007.

 

At this point do i send a copy of the schedule of charges, as the directions state that all documents on which that the party intends to rely at the hearing should be delivered no later than the 8th Feb 2007.

 

Thanks Sid

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