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    • I have posted the letter off today - sent recorded delivery, so should get to the Police early next week. I also walked along the street where this happened and checked if there were any CCTV cameras or video door bells in that section of the road, but could only find one. I talked to the owners of the house with the camera but they say it is set to only cover the area leading up to the house and not really the pavement or road and footage also auto deletes after 72 hours, so anything captured would be gone now. That was disappointing. I walked along the road a bit more, but couldn't see any other video door bells or CCTV, so that didn't help.  I always thought most people have at least a video door bell these days but not in that road... 😐 So came home a bit disappointed.  If anything else happens I will post an update here, but may not be for a week or so. Not sure how long this will take now.
    • Hi all.   I've just cancelled my Virgin Media because my Wife and I are going abroad for 12 months or so. My Son will be staying in our home, and wishes to start a contract with them. He signed up to a great deal for New Customers online, and a Contract Agreement was signed online. He had a delivery date for a Self Installation Kit but it never arrived. After speaking to numerous Virgin Media Staff online, they are insisting that he calls their Pre Installation Team (I presume that is their sales Team to try and get more money). He doesn't want to speak to them over the phone. He doesn't mind doing a Live Chat, but he hasn't got an Account Number yet, so that's impossible. He even had a chat with a Team Member on Whatsapp, who say they don't have access to the information they need, so he has no option but to call them. Why can't they just be straightforward with their Communications? Is there any other option other than calling them?   TIA.
    • Hi All, I'm looking for help with a P2G claim for another lost parcel. Given the wealth of information on this site, I'm hopeful that this should be an easy one to fix, but want to be sure I have everything. On the 6th March, I contracted with P2G to send a parcel (a £600 Pioneer AVH-Z7200DAB car stereo which is not on either P2G or EVRi's excluded from compensation or prohibited items list) using EVRi, sent it off, and that was the last I heard of it. The EVRi tracking showed that the parcel had made it to the national sorting hub at 2:12 on the 7th, and then vanished. By Friday, I had started to get nervous, and so, raised an enquiry. And then another, and another - well, they weren't responding, and I couldn't get their telephone one to work, I think in all, it was more than 15 enquiries. I also raised an investigation with P2G as well. EVRi closed the enquiry confirming a loss on the 19th March, and P2G near the end, although P2G closed it claiming that I needed to send photos of the parcel as proof - which I didn't have, and I also do not have an account with P2G so couldn't upload anything (I did test, just in case), and this is why despite receiving advice on the EVRi Fb group to send the letter before claim, I haven't yet acted. I have proof of the eBay listing, and the refund, to demonstrate that which was being sent, but P2G's insistence that I have no photographic proof of the parcel with the label - I have the photo of the goods in their box before sending, but this is for the eBay listing, and so does not show it after the fact. This I fear is what P2G will seek to rely on as a defence, hence my 10 week delay on progressing with this. But, I am more than £600 out of pocket for the loss: £600 for the item and £8.04 for the delivery fee, although my claim will actually be for an initial £611.09 to cover the cost of the loss, their delivery fee, and my 1st Class Recorded stamp for the Letter Before Claim to P2G, rising to £681.09 to cover the additional £70 cost of opening the court case if they fail to respond within 14 days. This question mark surrounding P2G's request for photographic evidence, is this likely to cause me a problem? Steve
    • Had a letter response today dated 12/6/24 from PRA Group re request for information consumer credit act 1974. Confirming they are in receipt of my CCA letter request - and that they are requesting the required information. They returned the £1 postal order. And my CCA letter. Stating that they will contact me with an update ASAP. They attached/included a standard ( non personal ) page about ' what they should provide ' and ' what happens If I don't get this information'.    I need to file my defence by 21 June 24. Any suggestions as to what that defence should be ?   
    • Thanks @dx100uk for responding promptly.    To be quite honest with you, applying for breathing space might not really help except some short term relief. I don’t want to default either as I might lose my job too and I cannot really afford it. Sorry for sounding bit stupid but is there something I can do to stop them charging interest and agree on reduced payments? Can I use pro-rata payment letters to get out of this situation without too much impact? I am working on information that @BankFodderhas requested and will be sharing it later today.  
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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.

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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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I'm sorry your unhappy with the charges!


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Well of course you are, because I'm claiming them back!

 

I've just received my letter from Barclays after sending the second letter from the library section (the one that gives them 2 weeks to respond before the LBA is sent) and I wonder if you knowledgable people could help. The letter states that they are ;looking into my complaint' and the timescale they give is and I quote:

 

"May I take this opportunity to explain that whilst we will endeavour to respond to you within the timescale outlined in your letter, we cannot gaurantee that we will do so. Sometimes it does take longer to fully investigate a complaint. However we aim to find a solution within four weeks. If we are not able to do so, we will always write to you explaining what is happening. A full report on our progress will be sent to you within eight weeks."

 

So my question is, should I still send the LBA as I said I would in the second letter after the weeks have expired?

 

Thanks for any response.

 

John.

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Hi......Don't let these arrogant bullies run the show!.... stick to your own agenda and the tried and tested procedure initiated from this site... Give them an inch and they will take more money from your account and try to intimidate and sway you as much as possible.

 

Jendoc

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Just a quick question, I'm helping my brother do the same thing with his bank (HSBC) and we've got him as far as ready to send the schedule of charges, we used the spreadsheet from this site (as I did with mine), now I can't remember what I put in my letter (and I'm at work so get it off my copies) but does he include the full amount of his claim (as shown in the spreadsheet) or the full amount of his claim plus the 8% interest (as shown in the spreadsheet)?

 

I know I got mine right as I followed the instrucions to the letter but my memory is worse than that of a goldfish'.

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Just a quick question, I'm helping my brother do the same thing with his bank (HSBC) and we've got him as far as ready to send the schedule of charges, we used the spreadsheet from this site (as I did with mine), now I can't remember what I put in my letter (and I'm at work so get it off my copies) but does he include the full amount of his claim (as shown in the spreadsheet) or the full amount of his claim plus the 8% interest (as shown in the spreadsheet)?

 

I know I got mine right as I followed the instrucions to the letter but my memory is worse than that of a goldfish'.

 

You send off the Prelim letter and print out a copy of the schedule before 8%. In fact, print two, you'll need the second in two weeks when you should send the LBA .

To follow my case progress, click here to see where I'm at right now.

 

Welshman

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Thank you for the prompt response Welshman.

 

You must have poked some memory cells, now I remember, I'm in fact ready to send my LBA off in two days but at least now I can pass the info on to my brother about which parts to include in his claim.

 

Thanks again.

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Hi people,

 

Tommorow is time up day, they've had the 2 weeks and I'm now ready to post my LBA so it lands on their desks exactly as promised. I would appreciate it if anyone could have a quick look over my LBA before I post it (details removed) as I'm claiming for two accounts in one letter.

 

The letter is here http://www.lwc.org.uk/letter.html

 

Thank you for any response, you've all been very supportive!

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Think you should stick with the LBA in the templates. There is a proper step-by-step system outlined in the faq's which has been used successfully by thousands of us. Each step/template letter is there for a good reason - i.e. they work. If you stick to this tried & tested method you should eventually end up getting your charges back. Good luck.

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Hi jonnytub.

 

The link you provided is not very clear (well not on my pc anyway) but it's just legible enough to see that it is more or less the template provided in this site. If that's the case then you'll be fine. Again, just remember to attach the schedule of charges (without the 8% interest).

 

Steve and Michael were only trying to help by the way. They aren't going to guide you down the wrong path because they are on your side as are all of us here.

 

Go get 'em

To follow my case progress, click here to see where I'm at right now.

 

Welshman

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Thanks Welshman, believe me I wasn't having a pop, my spoken word doesn't translate well into text, at least thats my excuse :-) Apologies if that's how I came across, it wasn't intentional.

 

Question, the 8% interest thing, isn't that the overdraft interest I mention in the letter?

 

P.S. The picture should expand to fit 100% it's original size if you click the expand button on the bottom right.

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There are 2 instances of interest you can claim:

 

1.When you go overdrawn the bank will charge you interest, perfectly lawfully.

 

However, if part of your overdraft is made up of penalty fees, they are also charging you interest on these too and it is this interest which you are entitled to claim back, but it's tricky to separate out from the total interest figure.

 

Vampiress has a spreadsheet, (the advanced one), in the bank templates library, which attempts to calculate this

 

It's quite complex and unless your claim is large may not amount to that much, so for simplicity's sake, some people don't bother

 

This is the interest referred to in the preliminary and LBA letters.

 

2. Section 69 8% interest on your claim, but only when you submit a claim at court. Don't add this interest before moneyclaim

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No. The 8% interest doesn't get introduced until Court filing stage.

 

You should edit the text to "I calculate that you have taken £XXXXX. I am enclosing a copy of the schedule of the charges which I am claiming etc etc ...." unless of course that you ARE claiming the overdraft interest from your statements. I didn't.

 

Hope this helps you (Typing doesn't always come across in the correct way - you don't get to see the facial expressions and body language)

To follow my case progress, click here to see where I'm at right now.

 

Welshman

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