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    • let the ombudsman do their job. you'll win handsdown you dont obv owe OVO p'haps anything at all.  dont worry about Past Due credit or any other DCA ( THEY ARE NOT BAILIFFS!) as for you being added to the debt, thats quite OK, you were a resident adult and equally liable under law. once you start getting things moving via the  ombudsman dont forget to get your credit files cleansed of any negative data & seek compensation for distress etc, again the  ombudsman should sort both out for you. as you are now NOT a customer of OVO, there is very very little they can do to you now.  
    • A question - did you use the supermarket or the restaurant? I see the restrictions are different. Sign.pdf
    • DN is ok DCA NOA is ok, though not one from Newday saying they've sold it. agreement states esigned on a sunday at 11am?? really??  but no typed names or tick box nor any IP address used. if the date is correct then poss ok, it that your correct address for that time of take out? but if not, then that could simply be a copy of someone elses they've used with you details copy'n'pasted over theirs. the agreement details separate T&C's in at least 8.4. a full set of T&C containing your correct address for the time MUST be included. failure renders the agreement unenforceable... have you the T&C's too? dx
    • Npower and Scottish Power and others have always had regulations that require them to treat customers fairly - the threads here and my experiences demonstrate that those regs are little more than useless.   Even Octopus recently spent month after month saying they needed to increase my monthly payments despite my credit balance slowly going up TWICE I had to reset it online back to prior payment as they unilaterally increased it unilaterally. Raised formal complaint and they than said i was paying too much and reduced the payment, again without my agreement, although that time at least they told me they were doing it.   .. and Octopus has been one of the better ones.    
    • Thank you. You left all your personal details showing on the invoice, but I've removed them. From Googling it seems the free parking is limited to one hour.  You stayed two.  There is no point appealing, you did overstay.  That's apart from the fact the private parking companies are just interested in £££££ and never accept appeals. We have other Iceland cases, Iceland as a company refuse to have these invoices cancelled. So it's up to you. Pay £51 and the matter goes away. Or refuse to pay.  Horizon very rarely do court.  We would support you all the way. 
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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.  

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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Have I jumped the gun???


Yorkyclaims
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Hello, just read an enail regarding the letters sent to Abbey.

 

I sent them the initial letter for repayment of charges.

 

They replied with the standard holding letter. I then received the standard letter advising they feel it is fair, and if it goes to county court they may consider closing the account.

 

From this I have gone straight to moneyclaims website & started action.... Should I have written another letter first???

 

On another thread it advises I should have sent a letter requesting payment, a letter before action THEN the County Court Claim? Will this prejudice my claim???

 

Regards

 

Craig

Abbey - owed £3260 - Paid up.

 

Barclays owed £2500 - Paid up.

 

Halifax, Mint & Egg - next on the hit list

 

Dont click on the scales - I'm quite proud of my little red dot! - As the little red dot has gone - click away!!!!

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No.

 

We advise sending 2 letters to show that you have made every effort to avoid going to court, but in the end, it doesn't matter that much, IMO. The bank had an opportunity to pay up, they didn't. You gave them 14 days, they made it quite clear they have no intention of refunding, that's that. Don't let that worry you.

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Regarding closure of accounts, or the threat to close an account, BF has posted a new FAQ that you may wish to look at:

 

http://www.consumeractiongroup.co.uk/forum/announcement.php?f=5&a=4

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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I think the OFT would be very interested in recieving a copy of that letter.

 

They are basically saying that we will terminate a contract early if the second party stands up for their statutory rights.

 

Send a copy to the OFT and post their response here.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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Will do. Interesting thing is that I also have a sharesave scheme administered by Abbey. If they do close my acount as the relationship has broken down, I will expect them to close my sharesave. I have gone through the letters I have and there is no get out clause for them, they have to honour the fixed term period. They cannot keep one open but close another without being in breach of contract.

 

I'd like to see how they would get around with this!!!!

Abbey - owed £3260 - Paid up.

 

Barclays owed £2500 - Paid up.

 

Halifax, Mint & Egg - next on the hit list

 

Dont click on the scales - I'm quite proud of my little red dot! - As the little red dot has gone - click away!!!!

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  • 4 weeks later...

I think I have got myself in a tangle.

 

Have just received from Mr Squires the basis to Abbeys defence....

 

We had an overdraft, I was aware of the terms & conditions, I agreed to these terms, etc. Which I have no problem defending...

 

The only thing is...

 

Why am I suing for the full amount??? I am agreeing that the banks have to charge me for going over the limit, authorising guaranteed cheques, etc. but at a rate of say £1-2 per transaction.

 

I am worried that because I am seeking the full amount (and not discounting £1 per charge) the judge will feel that I am entitled to free banking???

 

Is it because they have charged me an unfair penalty they are not entitled to any of the money? Or is the argument on the basis that they are entitled to something, but the interest they have accrued on my charges money should more than compensate this (as the majority of my carges happenned in a 3 month spell 7 months ago I haven't claimed interest)

 

Just need to get this clear in my head!!!!

Abbey - owed £3260 - Paid up.

 

Barclays owed £2500 - Paid up.

 

Halifax, Mint & Egg - next on the hit list

 

Dont click on the scales - I'm quite proud of my little red dot! - As the little red dot has gone - click away!!!!

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Are you claiming the extra interest that they charged you when you went over your limit? If not, then they have been well compensated for their 'loss'.

 

Also, are you only claiming for the overlimit charges? Or are you claiming for bounced DD's etc...? If you are, then the cost to them is nothing - in my opinion - and probably that of a judge.

 

Hold fast and you will get your money back.

  • Confused 1

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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Yeah, I'm not charging for the interest, as it will be only be a couple of pounds, and I am recovering costs of bouncing DD's, etc!

 

I am now focused on the case (oh and emailing Mr Squires saying thanks, but no thanks to the 50% settlement)!!!!

 

Was just trying to get it straight in my own head in case the judge asks me!!!

Abbey - owed £3260 - Paid up.

 

Barclays owed £2500 - Paid up.

 

Halifax, Mint & Egg - next on the hit list

 

Dont click on the scales - I'm quite proud of my little red dot! - As the little red dot has gone - click away!!!!

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I think you'll find the next letter (or email) from Mr. Squires will be a full settlement.

 

 

;-)

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

------------

 

 

Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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  • 2 weeks later...

No letter as of yet!

 

I am currently preparing my case, and read on another thread (cant remember which one - viewed so many!!!) that only one claim has failed, and that was because of lack of preperation.

 

Does anyone know of this case???

 

Was it the case where they just turned up expecting to get their money, or did the bank make a defence that the claimant did not have an answer to?

Abbey - owed £3260 - Paid up.

 

Barclays owed £2500 - Paid up.

 

Halifax, Mint & Egg - next on the hit list

 

Dont click on the scales - I'm quite proud of my little red dot! - As the little red dot has gone - click away!!!!

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I've won!!!!!

 

There is a cheque awaiting clearance for £1260!!!

 

Thought I would try a new tact with the bank... Claimed £1260, but agreed that they did need to make charges. Agreed £2/transaction so told them I would accept £1200, ON THE CONDITION my bank account was kept open (so next time they know I mean it!!!)

 

As soon a the cheque clears a donation is on its way, and next stop is filling out the survey!!!

 

It'll be interesting to see if my account is kept open!

 

THANK YOU DAVE and the others!!

Abbey - owed £3260 - Paid up.

 

Barclays owed £2500 - Paid up.

 

Halifax, Mint & Egg - next on the hit list

 

Dont click on the scales - I'm quite proud of my little red dot! - As the little red dot has gone - click away!!!!

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  • 12 years later...

This topic was closed on 03/08/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Abbey - owed £3260 - Paid up.

 

Barclays owed £2500 - Paid up.

 

Halifax, Mint & Egg - next on the hit list

 

Dont click on the scales - I'm quite proud of my little red dot! - As the little red dot has gone - click away!!!!

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