Jump to content


  • Tweets

  • Posts

    • But the booking platform warns it is still too early to predict how many travellers will return in 2021. View the full article
    • I purchased a bathroom tap for £125 from online company, 'QS SUPPLIES', in May 2020. It was duly fitted and all was fine until December 2020 when the top lever came away from the base of the tap rendering it useless. I immediately contacted QS SUPPLIES using their online complaints procedure and submitted a photo, as required. When after a few days I had heard nothing from them I called their CUSTOMER SERVICES team and was told that they were waiting for a response from the manufacturer, a company called 'SANEUX', I pointed out that my contract was not with the manufacturer and that I expected QS SUPPLIES to deal with my complaint. I was then advised to email them again, which I did...twice.... when they finally responded to my second email they asked me to send another photo of the faulty tap. This time, their response was that their,  TECHNICAL TEAM had looked at the photo and decided that the tap, "APPEARED TO BE FORCED", and therefore they would be, "UNABLE TO OFFER A REFUND ON THIS OCCASION".  So after  7 months of use and at a cost of £125, this company, on the strength of one slightly grainy photo have decided I am entitled to nothing. I have applied to be reimbursed by my credit card company under Section 75 but I am still determined to attempt to get QS SUPPLIES to take responsibility and would really appreciate any advice about the best way to go about this.  
    • Good news for me is that the Bounce Back Loan came through so I can pay the full car payment!  Thanks for reply.
    • Welcome. please follow the advice given above as to reading around the various stories and then monitor this thread for a full reply tomorrow  
    • Hi Everyone,  I am the seller in this case and want to thank the buyer for their support.  The bike was delivered to the local Hermes Parcel Shop really well packaged and sealed on the 3rd Feb with a receipt obtained.  Sadly the parcel was emptied on route to the buyer.   I had listed the bike for collection only however the buyer messaged and asked if we could arrange a courier to which I agreed and they organised that.  When the bike went missing I contacted the local police as the Hermes parcel shop said they would not release CCTV to me.  We got all this from the Police.  since then the buyer has tried his very best which I am grateful with Hermes and parcel2go but is struggling.  Any help is appreciated. 
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Have I jumped the gun???


Please note that this topic has not had any new posts for the last 5393 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

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!!!!

Link to post
Share on other sites

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.

Link to post
Share on other sites

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.

Link to post
Share on other sites

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.

 

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

 

 

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

 

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

 

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

Link to post
Share on other sites

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!!!!

Link to post
Share on other sites
  • 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!!!!

Link to post
Share on other sites

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.

 

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

 

 

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

 

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

 

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

Link to post
Share on other sites

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!!!!

Link to post
Share on other sites

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

 

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

Link to post
Share on other sites
  • 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!!!!

Link to post
Share on other sites

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!!!!

Link to post
Share on other sites
  • 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!!!!

Link to post
Share on other sites

Please note that this topic has not had any new posts for the last 5393 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...