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    • I hope you mean I try to help people stand up to bullying - and not do the bullying!   I'll assume it's a compliment!     Well - that sort of demonstrates that you've not understood my point and (perhaps?) haven't actually read the OP?   My point is that it is not the boyfriend (the supposed "owner" of the car park) who is posting, but his girlfriend who believes that he "owns" his car parking space.  Yes - it usually makes sense to believe that what the OP is posting is the truth, but in this case there is every reason to believe that there is a possibility that the OP might be mistaken about her boyfriend's ownership of the parking space, because...  well, how would she know for sure whether he does or not?  He might be boasting or lying or simply mistaken.  (My understanding is that many people who "own" flats are often under the mistaken apprehension that they "own" a parking space when they don't.  All the more reason then that somebody else other than the "owner" might be even more mistaken).   I suppose what I'm getting at is that I was a bit surprised that both you and dx100uk were able to give such definite and certain answers to the OP without exploring her situation a bit more fully and ensuring that she fully and correctly understood her boyfriend's rights in respect of the parking space in question.  I was simply concerned that without getting more information from the OP, then the replies given to her might prove to be less than useful.  I wouldn't want her to leave thinking that there was absolutely nothing to worry about and then find out there was because she'd been misadvised because she didn't understand whether her BF "owned" the space or not.   Of course, it may be that my concern here makes absolutely no difference to the answer that needs to be given to the OP because it doesn't matter whether her boyfriend actually "owns" the parking space or not, which is fine.  But sometimes I think it would be helpful to the OP (and other readers like myself) if some of these legal niceties could be spelled out rather than left unexplained.    
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    • The first thing to say is that you better go ahead and refund the buyer because otherwise she will end up getting negative feedback as well. We will try and help you get your money back from Hermes. Have you made a formal claim through Hermes and have they formally declined you and giving you reasons why? Presumably the item was properly declared and properly valued when the delivery was booked. You don't say whether or not you took out their so-called insurance. Please start off by reading around the sub- forum focusing particularly on the Hermes threats. There are lots of them. Get to understand the principles in respect of the arguments – the insurance element, your third party rights despite the fact that you booked it through Packlink. Have a look at other people's experiences of having sued Hermes, the process of issuing the claim, the defence, the mediation and have a close look at the advice that we give about how to handle mediation. It's highly likely that you will have to issue claim papers so also read around to understand the steps you need to take to bring a small claim in the County Court. It's straightforward but understanding the steps will make you far more confident about what you are doing. Have you started a formal complaint against Hermes and Packlink?
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Abbey Another Quirk Discovered!

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Hi Guys

Have just joined this forum and I wanted to share with you all another one of Abbey's quirks.


A few weeks ago I made a bill paypayment to leave my account on the same day I knew I had a cheque clearing and also 2 bacs payments were also due on that day as credits in my account as cleared funds. 2 days later I receive a letter from their operations department to say that I had insufficient funds to make the bill payment. Although on this occassion they did not charge me. This was I thought to be impossible since I had enough cleared funds on that day.


I raised this issue with their call centre in India - what a nightmare! eventually after a frustrating 30 minutes of time wasting someone who understood me took up my complaint and eventually called me back and explained to me that the money clearing in the account did not clear until 9am that morning but bill payments were scheduled to go out at 1 minute past mid night, therefore they said that I did not have funds at a minute past midnight. But surely in my eyes a day is 24 hours so cheques clearing and BACS payments should all clear at a minute past midnight.


This posses another problem, that, has this happened before and have we been charged for these quirks in their system. I know myself that Abbey have charged me on many occassions ££££ssss of bank charges and apart from them overcharging have they been grabbing extra charges due to this particular quirk. I have been given £10 so far for this - but watch this space as I fully intend to recover all that is owed to me.


My only concern on the bigger issue, is that from reading some of your postings Abbey have closed account! can they do this! Has anybody checked the terms and conditions for them closing accounts! is it legal!


Another question is has any one tried issuing a Statutory demand for the money in connection with claims for recovering these bank charges which I believe could be another avenue. Has anyone tried this route.


Finally, when one tries to recover the bank charges do you recover the whole amount or in accordance with OFT - I believe they say £12 is an acceptable amount


I look forward to receiving any feed back as I am just at the beginning

of recovering what is mine!!!!



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Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started! :)


Apologies for problems with the site - this is due to a software upgrade.


This practise is common among all banks and does lead to a convenient method to be able to charge more. As far as the OFT and £12 is concerned - firstly, the statement was only in connection with Credit Card accounts - and secondly, it was a guideline and not an acceptable limit. By making an unlawful charge the whole amount is in dispute, not just a portion of it.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

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Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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