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    • @Man in the middle I've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • Thanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe concenquences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points?
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

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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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