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    • you never use or give an email  2nd class stamp with free proof of posting from any po counter dx
    • Much appreciated for the ammendment. The snottier the better right!   What I am assuming is that this response is to be posted to Gladstones? However, I am seeing some users sending this as an email instead, which is a little confusing.  If we're happy with this response, what would you suggest is the best way to send it over to them (post/email), and is there anything additional I could include (if necessary)?  Thanks again! 
    • Hi I've read through other threads to better inform me of the process from here onwards. When I put in the MoneyClaim it gave me a claim number and it currently says to wait for the defendant to respond, they have until 7 August.   It seems their most likely action is to extend that a further 14 days to about 21 August - this hasn't happened yet, of course, as it is only 27 July but I'm anticipating that may be the case. when the expected defence action is taken by EVRi I will need to submit DQ with these responses A1 - no mediation B - my contact details C1 - yes to the small claims track D1 - No.  If No please state why.  I believe the defence will provide some rebuttal to the particulars of claim and so I need to include details as to why the claim requires a hearing.  Is there some certain templated text I can include here or will it vary depending on what the defendant comes back with? I see on the form it mentions the following: Relevant reasons include that there are factual disputes which will need the judge to hear from witnesses directly or the issues are so complex they need to be argued orally.  Hoping to reach out to see what may be the most effective statements for D1 reasoning. E1-5 are pretty straightforward. I want to get ahead of things and be ready to take the next step so I appreciate what advice you may have about the DQ.   Thanks!  
    • Rachel Reeves is set to reveal a public finances shortfall of billions on pounds after a snap audit.View the full article
    • Hi What they have asked in what you have highlighted isn't unusual at all as Councils have numerous different departments that deal with specific different areas within that council. So if what you are asking in your DSAR is say specific to Housing Benefit, Council Tax Benefit, Planning Permission etc then just let them know that specific area. On the other hand if you want every bit of DATA they hold on you then simply tell then ALL DATA they hold on you it's them up to then to go through all depts to check for it. 
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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.

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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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Really hope someone can help me r.e bank transfer


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Hi all,

 

I was on my lloyds tsb online banking and I accidentally transferred the money to an old nationwide account i haven't used for a couple of years and was £222 overdrawn.

 

I rang Lloyds straight away and they said there was nothing they could do and I should contact Nationwide.

 

I rang Nationwide and they said as it was £222 overdrawn it's now £78 in credit and they can't do nothing for me despite it being my holiday money for 3 weeks time which i've now lost and the fact it was an error.

 

I didn't type in the details it was an existing payee which i used once around 2 years ago i was meant to have deleted it from the payee list on Lloyds online banking.

 

I know i'm clutching at straws here but I'm desperate as I've just lost my holiday money, I was supposed to transfer it over to my Natwest account for safe keeping but accidentally clicked on the wrong account.

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Oh and I forgot to add that i think the reason that account is overdrawn is that most of that money owed is all bank charges and

 

I have been on Jobseekers Allowance previously now Employment Support Allowance,

 

I have claimed benefits for the past 3 years so these bank charges from Nationwide aren't legal are they?

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unlawful as they are PENALTIES?

 

I don't think you can pull the benefits & charges

as you transferred it not they took it directly.

 

i'm wondering though if a bcobs complaint to nationwide might work.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks for your reply, well no I have no money to live on, that money was from my disability money, I have contacted my MP who surprisingly replied late tonight within about half an hour of emailing him and he's said he will do his best to try and do something for me.

 

I will try the BCOBS thing though, I dread to think how many charges would have been applied over the past 2 years.

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Oh and I forgot to add that i think the reason that account is overdrawn is that most of that money owed is all bank charges and

 

I have been on Jobseekers Allowance previously now Employment Support Allowance,

 

I have claimed benefits for the past 3 years so these bank charges from Nationwide aren't legal are they?

 

The fact that you were claiming benefits doesn't make the charges unlawful.

 

I'd also be weary of what dx100uk is saying about penalty charges being unlawful too. You'd be talking about court action and I can't say that I have seen any recent successful cases (although I haven't been actively looking for such information either).

 

If the account was still overdrawn, the only route I could have seen working was if you were experiencing current financial difficulty and you asked Nationwide to positively assess your affordability.

 

holiday money for 3 weeks time

 

I have no money to live on

 

I'm a little bit confused by these two (seemingly) conflicting statements?

 

At the end of the day, it was your mistake and you may be short on some holiday money now but one positive result is that this debt has been paid off and you no longer need to worry about it.

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The fact that you were claiming benefits doesn't make the charges unlawful. - under BCOBS it does

I'd also be weary of what dx100uk is saying about penalty charges being unlawful too. - any PENALTY charge is unlawful re FCA/FSA's own description

 

You'd be talking about court action and I can't say that I have seen any recent successful cases (although I haven't been actively looking for such information either).

 

that's show - there have been numerous BCOBS PENALTY charges successes - particularly say with Santander .

 

there are lots of others too

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

that's show - there have been numerous BCOBS PENALTY charges successes - particularly say with Santander .

 

there are lots of others too

 

dx

 

BCOBS and penalty charges being unlawful are separate issues.

 

But anyway, under BCOBS how are bank charges unlawful if somebody is claiming benefits? And how would you go about arguing that in court?

 

Also where does the FCA suggest that penalty charges are unlawful?

 

That's very interesting information about these numerous successful cases though. Do you have any specific links dx? - it would be informative to me and I think really helpful for the OP.

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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