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    • Please can you avoid posting solid blocks of text. It is difficult for people to read especially when they are using a small screen such as a telephone. Well spaced and punctuated please. I hear what you say about the evidence – but do you have copies of it? And if so can we see it please. That's the point. We want to know what you have. As long as you have the evidence in your possession then you have some kind of control
    • Hi, the vehicle went to Audi Chingford on Thursday 13th May. I did state beforehand that I only wanted a diagnostic. The technician out of courtesy opened the drain letting huge deposits of water escape the seals. Video evidence was provided via AUDI cam. The link for the audi cam has been forwarded to BMW and Motonovo. I spoke to branch manager explained the situation and he stated he would sent me an email outlining the issue. Audi state this is not really an issue and more of a design flaw. However, the seals still have water ingress. I purchased the vehicle with £0 deposit on a 60 months HP plan for £520.00. The vehicle total was £21000. I did not go for any extended warranty. I live almost 70 miles away from the aftersales centre in Peterborough. I have previously uploaded the document I forwarded to BMW however it was in word format. I have had to buy a new tyre almost three days after purchasing vehicle. BMW still have not compensated me for the v62 cost as they said they would. 
    • I would suggest that you stop trying to rely on legal theory – as you understand it. Firstly, because we are dealing with practical/pragmatic situations and at a low value level where these arguments tend not to work. Secondly, because you clearly have misunderstood the assessment of quantum where there are breaches of obligations. The formula that you have cited above is the method of loss calculation in torts. In contract it is entirely different. The law of obligations generally attempts to remedy the breach. This means that in tort, damages seek to put you into the position you would have been in had the breach not occurred. In other words it returns you to your starting position – point zero. Contract damages attend put you into the position that you would have been had the breach not occurred but this is not your starting position, contract damages assume that the agreement in dispute had actually been carried out. This puts you into your final position. You sold an item for £XXX. Your expectation was that you your item would be correctly delivered and that you would be the beneficiary of £XXX. Your expectation loss is the amount that you sold the item for and that is all you are entitled to recover. If you want, you can try to sue for the larger sum – and we will help you. But if they ask for evidence of the value of the item as it was sold then I can almost guarantee that either you will be obliged to settle for the lesser sum – or else a judge will give you judgement but for the lesser sum. This will put you to the position that you would have been had there been no breach of contract. I understand from you now that when you dispatch the item you declared the retail cost to you and not your expected benefit of £XXX. To claim for the retail value in the circumstances would offend the rules relating to betterment. If you want to do it then we will help you – but don't be surprised if you take a tumble.  
    • I was caught speeding 3 times in the same week, on the same road. All times were 8-12mph higher than the limit. I was offered the course for the first offense and I now need to accept the other 2 offenses. I just want to be ready for what might come. Will I get the £100 fine and 3 points for each of them or do I face something more severe?  These are my only offenses in 8 years of driving.
    • I'll get my letter drafted this evening. Its an item I sold, which I'm also concerned about, as whilst I don't have my original purchase receipt (the best I have is my credit card statement showing a purchase from Car Audio Centre), I do unfortunately have the eBay listing where I sold it for much less. But as I said before this is now a question of compensation: true compensation would seek to put me back into the position I was in before the loss ie: that title would remain with me until my buyer has accepted this, and so compensation should be that which would be needed to replace the lost item. But in the world of instant electronic payment, it could be argued that as I had already been paid, the title to the goods had already transferred, and I was required to refund the buyer after the loss. And so, despite my declared value being the retail price - that which is needed to return me to my pre-sales position, the compensatory value should be the value I sold it for, which being a second-hand item from a private seller is lower. I still believe that I should be claiming for the item's full value, rather than how much I sold it for, as this is the same for insurance: we don't insure the value we paid, but rather the value of the item to put us back into the position we would be in if we ever needed to claim. Its for the loss adjuster to argue the toss
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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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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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Marlow vs Lloyds TSB


Rachel27
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Hi There

I have been reading this site with interest and recently began to try and claim back my bank charges from Lloyds TSB. I have sent the first letter asking for details of charges debited from my account in the last 6 years along with authorisation to debit the £10 fee from my account. I have now received a letter back stating that the bank has 40 days to respond (which i estimate to be 10 November) but they havent debited the £10 fee from my account as yet. What should I do?

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Hi There

I have been reading this site with interest and recently began to try and claim back my bank charges from Lloyds TSB. I have sent the first letter asking for details of charges debited from my account in the last 6 years along with authorisation to debit the £10 fee from my account. I have now received a letter back stating that the bank has 40 days to respond (which i estimate to be 10 November) but they havent debited the £10 fee from my account as yet. What should I do?

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Hi There

I have been reading this site with interest and recently began to try and claim back my bank charges from Lloyds TSB. I have sent the first letter asking for details of charges debited from my account in the last 6 years along with authorisation to debit the £10 fee from my account. I have now received a letter back stating that the bank has 40 days to respond (which i estimate to be 10 November) but they havent debited the £10 fee from my account as yet. What should I do?

 

Dont worry some banks do not charge you. You have their conformation letter so you are ok, just wait for the 40 days.:-D

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But their letter to me stated that i should sign the attached letter to give permission to debit £10 from my account - which is what i did but to date it has not been debited

 

ok ring them or write to them and tell them that you have sent the signed letter back, explain that as far as you are concerned the 40 days have started from your iinitial request.

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I rang the bank today, they confirmed they had received my authorisation to debit the £10 from my account. They advised that the letter notifying me of all the charges will be sent to me within the next 10 days and that once it was sent, the £10 would be debited.

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I havent changed banks, in fact they are still charging my account! If by SAR you mean the first letter asking them to provide all charges made from the past 6 years - then yes i have just sent that to them and they should be sending the list of charges to me within the next 10 days.

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Well thats up to you really. If you are thinking of trying to claim back any charges your bank has debited from you, its probably wise to open up a new account elsewhere, just in case your bank decide to close your account when they realise what you are trying to do. That hasnt happened to me yet, but I have read about it happening to a few people.

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  • 2 weeks later...

Today I have received my RFI back from the bank which I believed was supposed to be detailing the last 6 years of charges. The charges have been listed from 03/09/01 - 02/10/06 as a list but from 27/06/00-03/09/01 they have given me the full statements which show the charges. Can I still use those statements as proof of my charges? I am slightly confused because back in 00/01 I appear to have only been charged £5 overdraft usage fee for some of the the months - can I still claim this back?

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Can anyone help me please - I have received the RFI so am I about to send them the 2nd letter asking for the refund of my charges. Do I attach the spreadsheet with this letter? If yes, should I use the simple or advanced version. Also, on my statements it details overdraft interest, should this be added to my request for a refund? Please help, I am anxious not to make a mistake with this.

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  • 1 month later...

Having sent my letter off along with the simple spreadsheet showing all the charges I have received over the last 6 years, I now have a letter from TSB refusing to refund the charges for the following reasons:

 

"You've mentioned the new guidelines from the OFT on credit card default charges. We don't agree with the OFT's thinking on this and we're still talking it through with them. But the important point is that the guidelines are about 'default' charges that people pay when they break an agreement with us. The fees we charge for dealing with your request to go over your agreed overdraft limit are not default charges because you havent broken your agreement. They are our prices for the service we provide in these situations"

 

:idea: My question is should I still go ahead and send the next letter giving them 14 days to refund or I will go to court? Is this a normal reply from TSB?

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Rachel,

 

You really need to set up a thread in the Lloyds TSB forum, we will be able to advise you whether this is standard practice for them.

 

We can also answer any queries that you have as your claim progresses ;)

 

Best of luck

PLEASE READ THE FAQ's

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Having sent my letter off along with the simple spreadsheet showing all the charges I have received over the last 6 years, I now have a letter from TSB refusing to refund the charges for the following reasons:

 

"You've mentioned the new guidelines from the OFT on credit card default charges. We don't agree with the OFT's thinking on this and we're still talking it through with them. But the important point is that the guidelines are about 'default' charges that people pay when they break an agreement with us. The fees we charge for dealing with your request to go over your agreed overdraft limit are not default charges because you havent broken your agreement. They are our prices for the service we provide in these situations"

 

:idea: My question is should I still go ahead and send the next letter giving them 14 days to refund or I will go to court? Is this a normal reply from TSB?

 

I had started this thread in the wrong place - hopefully I am now in the correct place for a claim against TSB. The above question has just been answered and I am going to press ahead with the next letter giving them 14 more days before I proceed with a request for a court date. WATCH THIS SPACE

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I have a few queries that I am hoping someone can help me with please.

 

I believe the next letter I should send is the LBA (letter 3 in the library templates folder). Is this correct as it seems pretty similiar to my previous letter?

 

I sent the simple spreadsheet where the charges were listed and the interest was calcuated for me, this was included this with my original letter. I didnt really understand about the interest so I am wondering if I have done the right thing as reading through other threads, a lot seems to be based on whether this has been submitted correctly.

 

Finally, can I add an amount onto the spreadsheet that was recently deducted from my bank account? If I can, do I have to highlight that I have done this in the LBA letter?

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No.. i will have a look

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Hi Rachael

 

You can amend your charges spreadsheet with the new charges and adjust the interest as a few more days have passed since the first letter. Make sure you adjust to wording on your LBA to include the additional money being claimed. Send your LBA now. I am assuming that you have heard back from them with a rejection to all of your requests.

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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