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    • IMG_2820-IMG_2820-merged.pdfmerged.pdf Case management was this morning. Here is the Sheriff’s order. Moved case forward to 24/05.   He said there was no signed agreement and after a bit of “erm, erm, yeah but, erm” when he asked them, he allowed time for sol to contact claimant.  what is the next step now? thank you UCM  
    • I've had a quick (well, quick for a thread of this length),  read of this thread and to be honest I'm struggling to make heads nor tails of the actual crux of the issue here. You seem awfully convinced that whatever is going on is worth the fight and the odds are in your favour but with how the thread has gone it seems that one trail goes cold so you simply move on to another in an attempt to delay the inevitable. All it does is end up digging holes and confusing others and yourself which means any advice given to you is completely pointless. I note that for the life of this thread there has not been any documentation or correspondence uploaded for people to have a look. Have you got any that you'd be willing to redact and upload for members to assist you? Right now, it seems people are shooting out advice while being in the dark because it's starting to become very difficult for people who weren't here at the start of this (including myself) to follow along. Right now, this whole thread is just hypothetical "He said, she said" and is going nowhere fast. Nothing more than basic advice can be given which, as you've sought out some legal advice, is likely not sufficient to actually come to any sort of conclusion. I, personally, am starting to agree with others that it may be best to consider bankruptcy and put the matter behind you.  
    • Thanks for coming back to us. There are no guarantees - but remember that so far MET have not had the guts to put even a single case before a judge.  Not once. Yours is one of seven court cases. Three ongoing like yours. In two MET bottled it as Witness Statement stage approached. In one the allocating judge decided their Particulars of Claim were rubbish and threw the case in the bin. Just the one victory by MET by default when the motorist stupidly didn't file a defence. So there is every chance that MET will throw in the towel in your case too if you stand firm. Please keep us informed of what is happening. Regarding being abroad, that is no reason for things going wrong, you can request an on-line hearing and we've had several cases where the PPC gave up when the motorist moved abroad. But please keep us in the loop.
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.
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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Wi11iams vs Halifax


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Hi all, great site, 1st time post. I typed up my 1st letter to get disclosure but when I took it in the cashier said I didnt need it, and did the request through her PC. Is this ok in relation to the claim? sorry for my ignorance but I'm just starting to get my head around the fact that they may owe me hundreds of pounds in unlawful charges. Thanks in advance for replys

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Yes it's fine - but put your DPA request in anyway a you may need to know whether there has been any manual intervention involved in any of the charging decisions on your account.

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Hi, went into halifax to hand in my DP request, cashier told me no need to she will do it through her pc (no charge), have already been advised to send anyway, thanks for that.

 

The thing I didnt mention though is straight after she did it, she casualy asked me if I'd like a mortgage, I replied no I cant get a credit card let alone a mortgage, having applied countless times for one. To cut a long stort Ive now got a credit card from them with a £1500 credit limit.

 

Is it me or have they done that purley to try and increase my debt with them so when they threaten to close my account I'd have to pay up my balance straight away? And if so, is this a sign of weakness on their part? Thanks.

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Dont use the card.

 

Thats the easist solution.

 

 

Keep the card by all means, but dont use it until after things are sorted.

 

that way I would imagine any chanrges would be minimar (I dont think they charge a yearly fee do they)

I may not have gone where I intended to go, but I think I have ended up where I needed to be.

http://www.saner-the-stoner.com - Life the universe and everything

http://442online.net - 442 Football Forums

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Join the club ;)

 

 

it does seem dodgy, but I would image as long as you didnt sign anything waiving your rights to complain about charges, then as long as you dont use the card, if they do get nasty you can just rip it up.

 

I am no expert (only know whta I have read here) but thats the way I would deal with it.

 

If once the dust settled Halifax had not got nasty and closed accounts etc..., you may have your charges back and a credit card with a nice limit.

I may not have gone where I intended to go, but I think I have ended up where I needed to be.

http://www.saner-the-stoner.com - Life the universe and everything

http://442online.net - 442 Football Forums

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  • 2 weeks later...

sorry for being a complete numpty but I'm still stuck, the actual text says £xxxx in overdraft charges but i didnt get an overdraft until a couple of years ago, so do I jsut go with the 8% figure from the spreadsheet or is it an unrelated figure and i need to calculate the overdraft charge? Any help gratefuly recieved.

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What are you claiming for exactly? What type of charges?

 

Anyway, the 8% is only once you issue claim court.

 

The whole interest thing arises from the fact that when you get charged penalty charges, they accrue interest too, and you should be able to reclaim that interest. There's no spreadsheet for that, as each bank has different interest rates, sometimes 2 different ones for authorised and unauthorised borrowing, and you have to calculate which part is which. If it sounds complicated, it's because it is, and that's one calculation you will have to do yourself, I'm afraid!

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Thanks for the explination I now understand. They are a mixture of unauthorised overdrafts and failed DD's, but I havent got any charges since getting the overdraft so I guess I just claim for the amount owing. Again thanks for the reply.

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  • 5 weeks later...

Hi, Sent Prelim request 2 weeks ago, have been sent offer letter of lesser amount which i have declined, my question is would I need to send in the LBA letter and wait another 14 days as stated in previous letter or could I just go ahead with the court claim? Would this mess up my claim by bringing forward the court proceedings? Thanks in advance.

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  • 2 months later...

YESSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSS :D:D:D

 

Went to Court and filled a claim last week, recieved notification from Courts Friday............... Paid in full Teusday, £860 + court costs, payment into my account marked as cash payment. I was ill yesterday so never checked my balance so feeling a little better I checked my acc online just and there it was, feeling much better for some reason now :D:D:D

 

Thank You very much all that helped and of course thanks to the site guys, thank you on its way shortly!!!

 

GEEEEEEEEEETTTTTTTTTTTTTT INNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNN

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  • 12 years later...

This topic was closed on 03/06/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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