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    • But I'm not mixing and matching. Sure, when researching I do check multiple avenues, but when speaking, I will open a single post. The Fb post was made in March, it is now June, time has passed, and when the suggestion was made, no further information was given on how I should progress beyond "send a letter", which has meant that I've needed to start another stream - this one, but only after taking the time to research first.
    • hes not turning you away he is simply saying that you should stick to one channel of advice. he is perfectly happy with that channel being this forum, and he will help you   all he is saying, and I agree, is that you should stick to one help channel, not mix and match 3/4
    • As long as we are clear . Do the reading and post your letter of claim in draft form as requested and we can go from there.    
    • Hold on @BankFodder, that was a bit harsh. I spoke with the EVRi complaints Facebook group to begin with, a user on that group told me to send a letter but didn't give any specifics. Here at CAG, I was looking more for specific help as I've never raised such a claim before, and wanted to be sure that my claim was correct, which is why I've researched information with the other groups too, to be sure; but you seem to have assumed that I've made some form of contact with the other groups, such that I find your comments and tone to be very unfair. And I do know a thing or two about forums, that forum users are unpaid volunteers, I happen to be a Tableau Ambassador, and so perform a very similar role helping others in an unpaid capacity  
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      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.  

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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
        • Like

Maria V A&L


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Hey all!

 

Just thought I'd post on here as I have sent my first letter to A&L today. They have managed to charge me £170 in 2 months?!

 

Has anyone else noticed that if you go overdrawn they actually charge you £50? My statements says Day 2 overdrawn - £25 and then day 5 overdrawn £25, whats all that about?

 

The only reason I changed to this account from Natwest is that they were offering a promotion and I got £50 - they managed to get that back!

 

This seems to be the bank that puts up more of a fight!

 

m x

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Just goes to show that you should always read the small print and not get taken in by the special offers!

Hi, Maria, welcome.

Yes, we are all aware of being charged twice if we stay in the red for more than 2 days.

I don't know about them putting up more of a fight, but they certainly don't make things easy.

You also need to be aware that A&L WILL close your account if you take them to court. So make sure you get a parachute account opened, ASAP.

Keep us posted. :cool:

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If they are 'defaults' and were basically caused by their charges in the first place, I think you have grounds to ask for their removal as part of the package.

You should find something on this in the FAQs. I know there is reference to default removal on the letter(s) in the template library. :cool:

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Hello all!!

Got a reply from A&L saying the following:

 

'Dear Miss X

 

Thank you for contacting us regarding your account.

 

I have noted your comments that you velieve the charges have been raised on your account to be unfair, please be assured our charges are reasonable and competitive with the charges made by othe financial organisations.

 

The Office of Fair Trading (OFT) has commented that they consider the level of late payment charges to be unfair, however, they were actually referring to late payment fees for credit card payments, which are quite distinct from a bank's charges on current accounts.

 

As yet, the OFT have not entered into any discussions with the banking industry regarding current accounts. However, should that position change in the future, then A&L will participate as appropriate.

 

Given the above, I cannot acceot you have been unfairly charged as you suggest. I regret, therefore, that I am unable to agree to your rquest for a refund of charges on this occasion.

 

I am sorry if you are disappointed with my response, but as the charges have been raised correctly in line with the terms and conditions of your account, they must stand.

 

Yours Sincerely

 

PP 'Someones computer generated signature'

 

M Parker

Customer Services

 

 

 

 

So thats the reply?! Whats next people? Also, while I am doing this I am not in my overdraft but I can imagine them adding all sorts of charges to my account - I'm sure they will try to think of another charge to get me with.

 

Glad for any advice offered??

 

cheers

 

m x

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Oh! I am claiming £170 from A&L - is this too little an amount for all the things that we have to go through? I've noticed people are claiming thousands so I feel my case is small fry compared to everyone else's

 

m x

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£170 is a lot to me. Go for it.

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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