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    • Is the letter headed Letter of Claim/before Claim or similar? If not, it sounds like more of the threatogram chain. If you're not sure, post up an anonymised copy of the letter and we'll check. HB
    • So guess what, we have received a final demand letter for £100. It states if payment is not made by 11/06 they will have no option but to forward the case to their litigation dept with a view to commence County Court Proceedings. So just wondering if anyone has any advice. Do we ignore this? or do we need to take action? Thanks 
    • hi dx, thanks for helping just re-reading everything this morning and I must have missed this one from uncle in his thread "What you should not do, is not contact the Banks and simply default on payments. "  are you in disagreement with this based on your last sentence?
    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took photos (3 separate photos as its 3 separate deliveries) of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else, other than a small piece of the pavement and a little weed, which doubly confirms it was outside my door as I can see the same plant), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? I have quite a lot of deliveries handled by Evri (not out of choice) - They used to have a fantastic chap and I rarely had any issues.  He has been replaced by a new guy and I believe the route is handled by this same guy who I believe has taken my packages.  Naturally, I fear this is going to happen again in the future if no investigation occurs. Appreciate any assistance - Thanks for reading. Al.  
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R60nda V First Direct


r60nda
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Well I sent the first letter off to First Direct on Wednesday 18th October with my £10 cheque for the statements, I received a letter back from them on Friday 20th returning my cheque and saying that they will get the information sent to me.... :)

 

Does anyone know if First Direct have closed anyone's bank account?

 

Thanks

 

R60nda

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  • 3 weeks later...

Hi everyone

 

Right went through all the statements last night - crikey I've wasted some money over the years anyway I used the spreadsheet from the library where it also calculates the 8% so:

 

My charges come to: £3664.99

With the 8%: £951.08

Total: £4616.07

 

What I've claimed back is the Interest, Overdraft fee, excess overdraft fee and any recalled or unpaid items.. Please could someone just confirm that, that is correct before I send it off to them.

 

Thanks for your help :)

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You DON'T include the 8% interest in youre initial claim. As it says in the FAQs etc, you only add the 8% on if/when you start a court claim.

 

"What I've claimed back is the Interest, Overdraft fee, excess overdraft fee and any recalled or unpaid items.. Please could someone just confirm that, that is correct before I send it off to them."

 

Just to confirm, you claim back Overdraft Fees, Excess Overdraft fees, the proportion of the debit interest charged caused by the fees, and any charges due to items being returned or unpaid - not the unpaid/returned items themselves.

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Thanks G8 Summit, I'll change the spreadsheet and take out the 8% for this stage, the rest is ok as it is just the charges i.e. £37.50 for unpaid items etc. So the amount I'll be claiming back is £3664.99

 

Here we go....

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I'm just in the process of typing out the preliminary approach for repayment letter and under what I require it says:

 

Additionally you have entered a default notice against my credit record......

 

How do I know if this has happened? Do I still put this in the letter?

 

Thanks for your help

 

R60nda

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Only put this in the letter if you have been defaulted. You would need to get a copy of your credit record from a Credit Reference Agency to confirm this.

 

From your first post I assume you are still using the account with FD; if this is the case they almost certainly won't have defaulted you though - because they would probably be asking you to stop using/close the account if they default you.

___

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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  • 3 weeks later...

Hi everyone

 

I sent of my preliminary approach letter and got the standard reply back from Lesley Gibbon on the 21 November saying sorry I've had cause to complain and that I would receive a reply certainly within the next 10 working days. As yet I've not heard anything from them... I take it the next stage is to send the Letter Before Action...

 

Please could someone confirm?

 

Cheers guys

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Yes an LBA is your next step. Also stick to your timescales and send that LBA 14 days after your first letter.

 

This is your claim and it is not up for the back to change timescales without asking first. By saying they will get back in 10 dyas they show no respect to your request and is another subtle bullying technique.

S.A.R - (Subject Access Request) posted FD 26th October

£10 cheque returned and letter received 1st November

Statements awaited

Statements recieved 23rd Nov 2006

Request for payment £444 sent 23rd Nov 2006

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I got home yesterday to find a letter from John Ruane in Customer Relations saying that FD doesn't agree that the charges are unlawful blahdy blahdy blah... anyway because I hadn't heard from them I had just sent of my LBA.... I'm presuming now that I shall just go to the MCOL stage then and not wait any more? is that right?

 

Thanks

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Hi r60nda,

 

Your claim and mine must be running side-by-side, as I sent my LBA on the fourth. I have received an offer today though, and am sending a rejection letter tomorrow, which I have copied onto my thread at Roger66 vs First Direct.

 

I have added a few bits to the original template, and you wouldn't have to include them, but I feel like baiting them a bit to prove I'm serious.:)

 

Roger66

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Hi Roger

 

Yes I've just read your thread... stick to your guns I think is the general message throughout and that we need to remember that they have taken OUR money and we want it ALL back..

 

Hmm, they will have definitely received my LBA now so it will be interesting then if I receive a form of offer from them, but like you I anticipate that I will end up going to the MCOL stage...

 

R

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i also must have a claim for £3665 running by the side of yours, 1st letter they took about 56 days to reply and kept blaming DHL! the next letter recieved a standard response.. they didnt feel they had overcharged me and I should check my terms and conditions blah blah blah.. I have just recieved a response for my LBA, same crappy response as first time and if I wanted to complain to the OFT I should and they even included a leaflet to help me!

 

So off to court we go I guess .. I will keep you posted with the result and best of luck to you guys.

First Direct -taking to court for £4455 on 14/12/06

Capital one: data request 12/12/06

MBNA data request 12/12/06

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Hi everyone

 

Well I got home yesterday to find a letter from Deborah Malins, without prejudice etc and without any admission of liability whatsoever offering me £2909. I tell you I had a huge grin on my face... The letter did say that they were not willing to refund the interest as it related to my unauthorised borrowing... My claim is for £3483.50 so I'm £574.50 short of this and the interest is £181.49....

 

So my question to you is should I accept the £2909 as part payment but still stay that I'm going to pursue the £574.50 and still go to the MCOL stage?

 

Cheers

R

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Hi r60nda,

 

I got a similar offer, a few hundred quid less than yours, and I altered the acceptance letter to say 'part settlement' crossing out 'full and final' and sent the thanks but no thanks letter from templates with it.

 

They haven't written back to tell me when I can have the part settlement yet;)

 

I can't understand why.......................

 

Roger.

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FD never send partial settlements, unlike some others... but don't let that stop you from going to MCOL stage!

___

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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You can send them a letter accepting the offer as part settlement, but they won't actually send you the money until you agree to a full settlement.

___

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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Hi everyone

 

After receiving FD's offer of £2909, I sent them a letter on the 13 respectfully declining this and asking for the full amount of £3,483.50 and that they have up until the 20 December to return the full amount otherwise i will go to the MCOL stage. As yet I've heard nothing.. I'll keep you posted..

 

R

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Hiya!

 

I sent the first letter to FD requesting my statements on the 12th....I haven't yet received the cheque/letter back as yet that people seem to be getting..I am wondering if its the Christmas post and all that....How long did it take people to get the statments??

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