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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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      Just follow this link and have read of some threads so your familiar with the process https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track/#comment-5178739
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      MCOL help not being paid for job

      By Lorenz · Posted

      Sorry,  I'm not familiar with terminology.  Direction questionnaire is what I've seen online as next step. Witness statement: I haven't gone that far, that's why I put the question marks.
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      2. Is correct disregard 1. You must attend ad per the order 

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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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.

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      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Co Op Cash Minder account Overdrawn???

Ons

By Ons
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Ons

Ons

Posted
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Hello, I need some help. I got a co-op cash minder account, my wages do not go into this account. Only my tax credits. I logged in on monday to transfer my tax credits to my barclays account, and was left with 0.03p in my account which was showing online as 0.03p.

 

I log into my co op today and now I am £86.97 DR. Like wtf..

 

Wonga has taken £87 from my account. Now a cash account has no OD, and I only had 3p in my account. So how has co op allowed someone to take £87 from my account?

 

I am seriously angry, I don't wanna phone them cause I will swear at them. What should I do and where do I stand?

 

Thanks.

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citizenB

citizenB

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Have you given permission for Wonga to take money from the account ? Or have they taken it on an incorrect date.

 

If not, then you must ask the Co-op for the money back.

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Ons

Ons

Posted
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Have you given permission for Wonga to take money from the account ? Or have they taken it on an incorrect date.

 

If not, then you must ask the Co-op for the money back.

 

Well wonga was meant to take it on the 1st june. So it was expected. But I had no money in my account, so how can co-op allow me to go OD?

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citizenB

citizenB

Posted
Posted
Well wonga was meant to take it on the 1st june. So it was expected. But I had no money in my account, so how can co-op allow me to go OD?

 

Ah, well TBH, I don't see how they can do this.. but then banks are a law unto themselves. I am not sure what you should be doing, but I kind of think that you are most likely going to be slapped with some unauthorised O/D charges as well.

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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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nonymouse

nonymouse

Posted
Posted
Ah, well TBH, I don't see how they can do this.. but then banks are a law unto themselves. I am not sure what you should be doing, but I kind of think that you are most likely going to be slapped with some unauthorised O/D charges as well.

 

In my experience (admittedly a few years ago) they will write to you and close your account due to 'poor management'. Get a NatWest basic account if you can - much better.

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Ons

Ons

Posted
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In my experience (admittedly a few years ago) they will write to you and close your account due to 'poor management'. Get a NatWest basic account if you can - much better.

 

I got a barclays basic account. It's good and live statements online.

 

I thought that was if you UDR 3 times? I wouldn't say my account was that bad. By law can I be forced to pay this? I mean, I don't have the money to pay it before end of month anyway but I don't see why they have paid someone when I have no money in my account. What's the point in the account then if this happens? I thought the cash account was to prevent this from happening?

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Desperate Daniella

Desperate Daniella

Posted
Posted

That's a pity because you could have cancelled it, and they would have got the money back for you.

 

I think the only thing you can do is ask them why they allowed the money to go out? I agree with you; if there is no overdraft facility, how can you go overdrawn?

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Ons

Ons

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That's a pity because you could have cancelled it, and they would have got the money back for you.

 

I think the only thing you can do is ask them why they allowed the money to go out? I agree with you; if there is no overdraft facility, how can you go overdrawn?

 

I am stuck. I phoned them this morning and they have said to me the payment went through automatically so they couldn't stop it. I told her, I had no money in the account, so how have they allowed it to go through, again she fobed me off with that there is nothing they can do and I have to put my account up to date in 7 days, no way I am doing that.

 

The concept of a cash minder account is for me to never go overdrawn and to prevent them from that happening. Should I make a complaint in writing? Contact FSA?

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Desperate Daniella

Desperate Daniella

Posted
Posted

They can stop it on the day if you phone immediately and say it wasn't authorised, but I don't think they can after that.

 

I would make a complaint in writing and I'd also contact FSA.

 

Part of the T&Cs with a basic account is that there is no overdraft facility. I don't think they can have it both ways. I would actually call the Financial Ombudsman and see what they think too.

 

Did you give Wonga a continuous payment authority when you took out the loan? I think banks say they have to pay those. If you did you need to cancel it immediately.

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Ons

Ons

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They can stop it on the day if you phone immediately and say it wasn't authorised, but I don't think they can after that.

 

I would make a complaint in writing and I'd also contact FSA.

 

Part of the T&Cs with a basic account is that there is no overdraft facility. I don't think they can have it both ways. I would actually call the Financial Ombudsman and see what they think too.

 

Did you give Wonga a continuous payment authority when you took out the loan? I think banks say they have to pay those. If you did you need to cancel it immediately.

 

Well wonga has not taken money from my account in over a year and I changed my debit card details, although they got my new one, still CPA should not be allowed if you have no funds in your account. It's silly. I think I will close my account with co-op, if I don't then this same thing is gonna happen again next month.

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