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    • Would this be OK to send or is it too much detail already ?   "In response to your letter dated  xxx Intention of Prosecution reference xxxxxx I would like to advise that no collision / accident took place at the given date / time / location. There was however an altercation with the driver of a commercial vehicle who punched and kicked my car, verbally abused me when I stopped and acted in a distinctive threatening and aggressive manner. I advised I would be reporting him to his company for threatening behaviour and vandalism for punching and kicking my car whilst driving past in the road. When I tried to take a photo of his number plate, he came towards me in a further aggressive and threatening manner, so I decided to retreat into my car and lock the doors before he could reach me, as I was frightened he may assault me. I drove off and when I checked my phone later , the photo was regrettably unusable, as the camera couldn’t focus properly when I rushed back to my car. So I decided not to report him for his threatening behaviour and actions, as at the time I believed he would be untraceable anyway. So I am not sure if the accusations against me are in relation to this altercation, but no actual collision took place at this time , date and location as alleged in your letter"  
    • They have been sending messageslike " Do you want a refund or not"  which ive said im at work just try and avoid their childish obstuctive replies as ive had enough of them but i plan on going up tomorrow , so my question is,  they have to give me a refund dont they, they can not bargain or refuse the refund if they havent checked the phone first ? Their previous messages have said they want to check the phone first before a refund is given and i think theyll try this tomorrow as they have argued all through this .... If that happens can i just walk away and then send the letter of Particulars which is due next week ? Edit :   Just for the record the phone hasnt been used since buying its been put in a protective bag and put in a draw , its in the same condition as i bought it
    • To be fair ,  she has responded and said she's on holiday but returns Sunday and will bank transfer when she returns and i think i believe her.
    • Checking hi-tech with low tech - Wales leading the way Growing Mid Wales, an organisation set up to bring together the private and public sectors alongside the Welsh Government, has launched a mobile mapping project to track areas of poor mobile phone signal Powys and Ceredigion. They will be using bin lorries which have signal detection equipment installed, and thus able to create a comprehensive map of mobile 'not-spots' in the area, since those vehicles will be visiting just about every property in the area on their usual rounds. Just a moment... WWW.THINKBROADBAND.COM  
    • Hi there   thank you for the reply. No, it's not a silly question at all. I am convinced I didn't hit anything with my car. I was going very slowly and it was the guy standing next to his lorry in the road who punched and kicked my car as I went by. It's cause I saw him do it in the mirror.  I initially thought he did it because he thought I was passing him maybe too closely whilst he was messing around with his lorry ?  That's why I stopped and got out and asked what he thought he was doing hitting my car. He then just hurled abuse at me. Not making any accusations such 'you hit me' 'you hit my lorry' or you did this or that. He just swore and shouted at me. At which point I said I would be making a complaint to his company for his threatening behaviour and vandalism for punching my car. I went to my car , got my phone to take a photo of his number plate but then he came towards me again and I thought if he now hits me I am going to come second. I am a woman in her mid 50s travelling on her own and this guy looked like a Millwall football supporter (short, rotund, skin head) so I decided to leave this situation. I got back in my car closed the door and drove off before he could reach me.  I later checked my phone and noticed the photo was too blurred, as I turned and rushed back to my car too quickly before the camera could focus. So I thought it was pointless making a complaint as the guy couldn't be traced anyway, so I forgot all about it until yesterday. But this is all I can think of, it must have to do with this incident as it is in the same street.   
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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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    • 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.
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      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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Bookmark1976 v First Direct **WON**


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Hi,

Claim back the overdraft fee (£25) AND the excess overdraft fee (£30). You just cannot claim the agrangement fee that they would have charged you to set up an AUTHORISED overdraft which would usually come out yearly or half yearly and is about £15 if I remember correctly. As this is classed as a service.

 

Hope this helps

Princess:)

First Direct Gold Visa : WON £120 after LBA:)

First Direct Account : WON £2087.50 after declining first offer and asking for FULL amount:)

Tesco Visa: Sent LBA:|

Nationwide :Filed MCOL 22/01:o They are defending 9What a surprise!):razz:

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Thank you for your replies. I am not sure what to do next. I have already sent off my prelim letter, with the wrong amount. I'll send another expalining that there are more unlawful charges, but do I set another 14 days for them to respond or stick to the original 14 day limit I set when I sent the first letter?

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Thank you for your replies. I am not sure what to do next. I have already sent off my prelim letter, with the wrong amount. I'll send another expalining that there are more unlawful charges, but do I set another 14 days for them to respond or stick to the original 14 day limit I set when I sent the first letter?

 

 

Ok dont worry, so now you have established what the overdraft fees, are you can claim them back. Send the LBA after the 14 days just amend the amount claimed, you can add a note that after further investigation you have found further charges.

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14 days are 14 days. I am interpreting this as 14 real world days in my claim, only banks work on 'working days'. My claim started on a monday, the LBA will go off two mondays later, and I will issue court proceedings two mondays later.

 

I'm in the same boat as you, but I don't give a stuff for playing THEIR game. I've played that for too long now, and it's time to fight back!

 

Best of luck,

 

Roger66

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Another, possibly stupid question. The 14 days are up on Monday or is it 14 working days? I don't want to send the letter too early and confirm to them I haven't a clue what I'm really doing!

 

 

The 14 days are 14 calender days, please be aware that should your 14th day fall on a weekend they will get the following Monday as well.

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I have had a really scary letter from FD today and I am REALLY worried and have no idea what to do.

 

Dear ********

I am concerned to note that the balance of your account is again in excess of the agreed overdraft facility.

As a result, I regret I have no alternative but to canel your Cheque Guarantee facility. I request that you return your card immediately, cut in half for security purposes. This will prevent the appointment of an Agent to collect it from you, with all the associated costs being debited to your account.

If you are unable to credit sufficient funds to rectify your account within the next seven days, please contact, blah, blah.

I must advise you that failure to respond to this letter may result in all your banking facilities being withdrawn.

I only got the letter this evening when I got home and have not contacted them yet as I don't know what I'm going to say yet. I am extremely worried as I have important payments that need to be paid on Thursday. I get paid on Thursday which will be too late for my salary to be paid into my parachute account. Also there is Xmas to think about!! When I recieve my money back from them it will cover overdraft so that I can get sorted. Has anyone advice????????

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I only got the letter this evening when I got home and have not contacted them yet as I don't know what I'm going to say yet. I am extremely worried as I have important payments that need to be paid on Thursday. I get paid on Thursday which will be too late for my salary to be paid into my parachute account. Also there is Xmas to think about!! When I recieve my money back from them it will cover overdraft so that I can get sorted. Has anyone advice????????

 

Unfortunately they can withdraw this facility whenever they choose. Will they increase your overdraft short term? A phone call to them might help they may give you some short term leeway. Also contact the Payee's and inform them there may be a slight delay in this months payments this could help to stop any further charges.

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The important thing to remember is even if/when they do withdraw your facility, they won't expect you to repay it straight away... the best thing would be to withdraw all you can and put it in your parachute account as soon as you get paid. They've given you a week, so if you can do a BACS transfer on Thursday as soon as you've been paid and your urgent bills have gone out, if they withdraw your OD after that they will come to an arrangement with you for repayment. When this happened to me I owed them approx £4000 (including CCard too) and initially agreed to repay them at a rate of £60/month - in the meantime you can switch everything else to your parachute account.

___

MBNA VISA - PL sent 23/10

MBNA MCard - PL sent 23/10

FD - PL sent 23/10, offered approx 75% 27/10

Marbles - PL sent 23/10, rejected letter received 27/10

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I spoke to someone at FD today. Even if I pay off my overdraft they will not give me back my maestro card for 3-6 months. I couldn't be bothered to tell them that I will be closing my account next week. They were very unhelpful and unsympathetic when I asked them how I was supposed to access my money.

I asked them if the reason for this was anything to do with my letters regarding unlawful charges being claimed back, however they denied all knowledge of these letters.

I will be paying off my overdraft (using credit card) and then taking my money out via online transfer as soon as I recieve my new account details (still waiting for those) and then I will close my account. Its such a pain that I get paid on Thursday!!

On another note my LBA went off today as I have not heard from them regarding my claim. £3000 here I come

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There is another sort of option here. Leave the overdraft there, move all the money that you can and then once the first claim is through, claim again for all these new charges. My prelim 14 days is up on monday, and I have just opened a statement telling me there will be £149 charges on next month already.

I think they must be so confident that they can intimidate people into giving up that they don't just cut you some slack to avoid further claims. Have you told those around you about the claim, and the problems you are having? I have told a few people, and the wife and I are having a less frivolous xmas than normal and will treat ourselves in the new year when the claim is met. The boys will get some pressies, but realistically you may need to hold on a little longer like us and enjoy the new year instead.

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I received a letter yesterday (sat 02/12) responding (finally) to my prelim letter dated 13/11. They have offered me the full amount that I was claiming (£1,700 + )!! Yippee you may think, however when I sent my LBA I re-adjusted my claim as I hadn't included the £30 taken as on O/D fee before the excess fee. This nearly doubled my claim to just over £3000

So do I write back and thank them for their offer and point out that I will still be claiming for the rest?

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You do, BUT you can't only give them 14 days from LBA if you increased the amount, you must give them 14 days as a prelim, then another 14 days for a final LBA - otherwise you wouldn't be seen by a court as being reasonable. I adjusted my claim after the prelim too, but extended the deadline accordingly.

 

SO, wait 14 days from when you sent your first letter asking for this larger amount, then send ANOTHER LBA, if you get no response or an unsatisfactory response after that then you proceed to MCOL.

 

Hope that makes sense.

  • Haha 1

___

MBNA VISA - PL sent 23/10

MBNA MCard - PL sent 23/10

FD - PL sent 23/10, offered approx 75% 27/10

Marbles - PL sent 23/10, rejected letter received 27/10

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I have drafted this letter (for both of my accounts with FD) that I intend to send tomorrow.

 

Dear Ms Malins,

 

ACCOUNT NUMBER: *********

Thank you for your letter dated 29th November 2006.

I respectfully decline your offer of settlement and request that you return to me all charges imposed on this account, totalling £*******. Details of these charges were included in a letter I sent to you dated the 28th November.

 

I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary.

 

I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.

 

If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

 

After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

 

I trust this clarifies my position.

 

 

Yours faithfully,

Will this be okay?

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YIPPEEEEEEEE. I received a letter from FD yesterday offering me the full amount I'm claiming for!!!! There isn't even a confidentiality statement on the acceptance. They haven't included charges I will be charged this month - but hey who cares. I'm over £3000 better off!!

 

 

Congratulations.

 

You can wait until you get the cheque then ask them to refund this months charges if they dont threaten them with court.

 

Please complete the survey for us

 

Ps dont forget to donate so we can help others like you. ;)

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Thanks! I'll definately be donating as soon as the money hits my account. I'm really pleased that I decided to take the plunge and go for it and I couldn't have done it without this site and your help. I have passed on the website and info to lots of my friends and colleagues too!

I sent the letter off today accepting their offer. I like the idea of getting this months charges back too.

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  • 3 weeks later...

Hi

 

I am currently in the process of sending the first dpa letter to First Direct. Thought I would just add a note to the forum to say hello and I will let you know how I get on with my claim.

 

Amy

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