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    • POFA plays no part in limiting court costs.  costs recovery under the small claims track is very limited   2 cases heard together? 1st you've told us about this....        
    • Just a general comment - as I know nothing about legal procedures...   I agree with what I think BankFodder is suggesting - it really ought to be a straightforward question of a breach of contract.  You've paid for a service and the other party (or their sub-contractor) has failed to perform that service - safe delivery to the addressee.  It seems daft to me that the risk of non-delivery gets passed back to you because you've not paid for insurance against their failure to perform their responsibilities.  It's an inherently unfair* business model that has crept up by stealth, assisted by the growth of internet shopping.  Of course, a court may not agree...   I also agree with BF that you should be able to do some research yourself, and you should see this as an opportunity for self-directed learning as well as self-help!  You can always check back with BF, Andyorch and dx100uk that your understanding is correct.  You might get some ideas for final year dissertation - it's a bit of an academic problem with real-life commercial implications.   *Of course, in the absence of this business model, courier fees would go up, but I would argue that's a fairer way of spreading the risk of loss/damage etc   (PS - I was a law student a looooooooong time ago.  In your position I'd have tried my tutors as a sounding board as well.  I also thought SBU had it's own law clinic - although the advice is likely to be quite basic unless somebody sees this as an "interesting" problem)
    • Thanks EB, I will catchup on the mentioned thread as I had used it before the hearing.   I went for hearing. Rep approached mentioning settlement, talking about them having a strong case to which I pointed out their bundle which they were going through that it says Excel here so aren't you here for the wrong company. They mentioned sister companies, I mentioned companies house and then I said let's leave it to the judge they went away from me. The rep went into a room presumably to call their firm Elms Legal I think probably for advice.   We ended up being the last hearing before lunch, as the Usher called out our names and said the judge will call you in shortly. The rep came over saying something like I'm surprised you're going in without submitting a WS!   I said it has been served they said well I haven't seen it, when was it sent, do you have copies as I could get the Usher to copy, I said I may, rep- you either do or you don't, I said well we will have to put this in front of the judge now.   Inside the rep said to the judge about my WS not being served and they asked me on multiple occasions for the WS I said 5 minutes before coming in is not multiple occasions. The judge said they had my WS along with an index of papers I had sent in that they have been looking at.   The rep started with their page contract and terms and conditions picture in their bundle saying they have a valid contract and that in the Tariff /T&C picture it mentioned about entering into a contract with VCS.   The judge asked me what I made of that I argued where is the contract giving them, a 3rd party, authority from Excel to issue proceedings in their own rights? The judge said to the rep, Defendant not accepting this so we are not getting anywhere rep raised WS issue again saying they asked on multiple occasions, again I repeated what 5 minutes before coming in. I said I had Cert of Posting.   The rep mentioned about being given a few minutes to read it and I said I had a copy but the judge was saying it's near lunch and it will take too much time even though the rep said there is still 35 minutes left.   I said the WS was served see COP but the judge said they may have lost it etc so to send it again. I said the rep could have a copy now but the rep was like I couldn't take pictures of it and send back to my client as they only get things from them via email.   I said you could post it but the judge said the rep is saying they can't use post for whatever reason so if I could send it again. Case adjourned.   The rep asked about costs and judge said reserved and I asked about my loss of earnings and that I would have to get leave booked again. Reserved seemed to be the answer but the judge was apologising about being the last morning hearing and said he would make sure we were first next time and the rep asked for an hour instead of 45 minutes so judge asked me and I said ok. The rep asked about the reason for adjourning to give to their client as they would have had to pay them to attend. Outside at the ushers desk the rep had spoken to the Usher to make a copy from mine (didn't accept it Infront of the judge) and also asked to see the COP and I obliged saying I deem this served now but the rep said you have an order/instruction from the judge to send to VCS. I regret giving them a copy thinking I should have said you will have it once I send it again to VCS. Whilst inside, the judge said as the hearing never started it wouldn't be infront of him again and also the rep said it would probably be someone else as she also wasn't the person named in their WS. As per POFA my understanding is one cannot be made to pay costs more than in the NTK. As it will now be a 2nd hearing, 2 days off work for me and 2 representations for them, will there be double AL for me to claim if I win or double expenses if they win?   There was supposed to  be 2 cases heard together but I only had WS for this one am I supposed to have asked for another WS? Will they be claiming the fee/expenses for both cases with one hearing yet I could only claim for the 2 days AL?   What do you make of what happened at the hearing from their rep, maybe they realised it won't be straightforward especially when it was a judge they were not aware of perhaps they conferred with their team about ways to handle aswell as ways to escape? Thanks      
    • the sil landlord, it was for £20k plus he added £18k for rent and utilities bills.
    • Hi all,    Quick update. I still haven't heard anything from Excel regarding the SAR.  I'm hoping the one from Elms Legal will turn up tomorrow in the post! 
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Companies are ignoring new guidelines on card fees. Which? has named the worst offenders.

 

Holidaymakers booking winter escapes still face sky-high charges for paying by card – despite new rules designed to tackle “excessive” fees. Consumer group Which? found evidence of card charges well in excess of the 2pc level considered fair.

 

In April, the Office of Fair Trading said someone spending £100 on a travel ticket should expect to be charged 53p extra if using a debit card, or £2.10 if using a credit card. This is equal to no more than 2.1pc. However, Which? said easyBus charged 3.5pc to use a credit card. Another firm, eDreams, increased the cost of a £93.21 flight from London to Rome by £17.01 on a Visa debit card – equal to 18.25pc more. By contrast, some firms have lowered charges. First Choice and Thomson cut credit card fees from 2.5pc to 2pc on October 1. EasyJet is set to make an identical move on October 17. Which? executive director Richard Lloyd said: “It’s disappointing that six months after the Government banned rip-off surcharges, consumers are still being hit with high fees simply for paying with a card.

 

“While some companies have reduced their surcharges, there should be a crackdown on rogue companies who continue to flout the ban. We’ll be passing on our findings to Trading Standards and asking them to enforce the rules.”

 

Consumer Minister Jo Swinson said: "We know it can often be a nasty surprise when consumers see an advertised price and then have an excessive payment surcharge added at the end. This is why we brought in measures - a year earlier than required by European law - to make sure that UK consumers benefit from clearer and fairer prices.

 

"The prices that businesses charge should always be transparent. They shouldn’t keep extracting more money from excessive administration or booking charges from customers with each transaction.

 

"Enforcers such as Trading Standards, the Office of Fair Trading and the Civil Aviation Authority have the power to seek civil injunctions against traders who break the rules on excessive payment surcharges. I will be writing to all the enforcement agencies about their obligations."

 

Link: http://www.telegraph.co.uk/finance/personalfinance/borrowing/creditcards/10357423/Worst-offenders-on-card-booking-fees-are-revealed.html


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This is why we brought in measures - a year earlier than required by European law -

 

Why did they even have to wait for European Law, this could have been brought in 10 years. Governments just don't seem bothered the same as they aren't bothering

to enforce the rules they introduced.

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I feel it is totally ridiculous that you have to pay to pay! How else do we pay? A slab of congealed blood in the post?

And they make you go through loads of stages first until you find out so they make sure they grab you that you have already paid for with your time to get there

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