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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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    • 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.

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      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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      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.

Cant reduce my balance

ZENTRIX9

By ZENTRIX9
in Lloyds Bank

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ZENTRIX9

ZENTRIX9

Posted
Posted

Hi everyone,

 

 

I have a LLoyds bank Premier account.

 

 

I get charged £25 for the account, £6 for an overdraft useage fee and interest on the money that is overdrawn.

 

 

We pay around £51 per month, the balance doesnt change and hasnt changed since 02/10/2009!

 

 

we are just treading water, we have a constant balance of £-2090 and cant see a way of paying it off as we cant afford to pay anymore.

 

We have asked to change to a different account before to help us reduce the balance

but were told that until we get it down to £500 they cant do anything for us.

 

Can anybody help?

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caro

caro

Posted
Posted

Was there a good reason for you wanting an account costing £25 per month? Have you always benefitted from any benefits of that type of account?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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ZENTRIX9

ZENTRIX9

Posted
  • Author
Posted

Hi Caro,

 

 

I opened the account when I was made redundant and had my redundancy paid out.

 

 

I was advised it was the best account for me and back then I was still one of the many that thought that banks were there to help you.

 

 

I already had insurances, breakdown and mobile phone cover etc so no benefit to me really except to line LLoyds banks pockets

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theoldrouge

theoldrouge

Posted
Posted

time to start a reclaim for your misold package. Reclaim the fee plus int at the rate they charge for your od

 

have a read of this http://www.dailymail.co.uk/news/article-2547073/Backlash-rip-fee-paying-bank-accounts-Thousands-customers-complain-claims-widely-mis-sold.html

 

andhave a read of the latest fca guidance http://www.fca.org.uk/firms/being-regulated/meeting-your-obligations/firm-guides/consultations/packaged-bank-accounts

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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theoldrouge

theoldrouge

Posted
Posted

a personalised letter headed Formal Complaint, explaining why and how you were misold your package account

 

is far better than any template.

 

do you spreadsheet and letter, the links above should give you the right idea

 

and post them up prior to sending, so we can check and advise if necessary.

 

5 years at £300 per year plus int at their rate should wipe your od

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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caro

caro

Posted
Posted

Completely agree with theoldrouge. It is quite scandalous that they refuse to let you change from this type of account in the circumstances.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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ZENTRIX9

ZENTRIX9

Posted
  • Author
Posted

Ok so for the calculations do I do 3 seperate sheets,

1 for the account charge,

1 for the interest charged

and 1 for the overdraft useage fee?

 

 

Then send them all three and a total amount.

 

I am not sure of the interest they charged so do I do 8% interest?

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ZENTRIX9

ZENTRIX9

Posted
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Posted

Yes Caro,

I have had to deal with other debts first

and now this one is next,

 

 

so hopefully I can wipe this one out.

 

 

It seems to be chicken and the egg syndrome.

 

 

I have just cleared the credit card and its the only one I still have with a clean bill of health

(so I intend to start using it a little to try and repair my credit history a bit if it will help?)

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caro

caro

Posted
Posted

How long have you had the account? Generally it's very hard to claim bank charges like the overdraft fee, but if you can demonstrate that the £25 fees and interest on it caused the OD you might stand a chance.

 

Isn't there an interest rate shown in your statement?

 

It depends how bad your credit file is if there's any point using a credit card again. Is there a reason for wanting credit in the future?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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ZENTRIX9

ZENTRIX9

Posted
  • Author
Posted

Hi Caro, yes the interest rate should be on the statement I will look tomorrow, dont want to wake the dragon in bed :-)

The fees that have been charged are more than the overdraft so would that be a basis to say that the charges caused the overdraft?

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dx100uk

dx100uk

Posted
Posted

the interest rate should be detailed on the statements.

 

 

they all go on ONE SHEET

you cannot reclaim the pure interest listings.

 

 

just the account fee and the OD usage fee.

 

 

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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caro

caro

Posted
Posted

You should be able to claim the interest on the charges. Show them individually (on the same sheet).

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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dx100uk

dx100uk

Posted
Posted

the sheet will calculate the interest the charges caused you.

 

 

no don't add the OD usage fee to the subscription charge

 

 

sadly you'll have to list them individually

 

 

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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