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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      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.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like

Mccall v Yorkshire Bank ***WON***


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Hi Leanne

 

Don`t worry the pressure gets to us all . Dealing with the banks and winning is a rollercoaster of emotions , I know trust me , but you will get through it I did and so did lots of others as you know . Its what they try and do to us , but sod em and keep fighting.

 

Jules

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Don't worry Leanne. I would be amazed if anyone even got as far as 'vereading your bundle. Once they are making offers make sure you stick out for every penny. It will be tempting to jump at the first offer, but hold your nerve.

 

Why not ask the court when you go in if they've had YB's bundle yet? I have a feeling that yours is far more complete than theirs. I've yet to hear of them submitting one, so they have no intention of going to court.

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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Thanks again Jules/Caro for giving me the support, I well and truly need!. When I go in today i'll the question and call the courts agin tommorrow. Just for my own sanity really.

 

Keep you posted, Leanne x

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I know that at this stage I was petrified Leanne, and doubted myself completely. When I got home to find a card saying there was a letter to be signed for at the Post Office, and the Post Office was shut, I think it was one of the longest nights of my life. I got there in the morning and they couldn't find the letter! Eventually I got it and when I opened it in the car and it was my cheque for the full amount I was beside myself with joy.

 

Not long now.

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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Hi Guys,

 

GOOD NEWS!!!!!!YB have sent me a settlement letter for full amount I am claiming for. HOORAY!!!!!!.

 

Quick question when I sign the offer letter do I put a covering letter with it saying that until I receive and cheque clears I dont send discontiunce of letter to courts?.

 

Leanne x

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Leanne, well done!

 

I have just read this thread for the first time as I will be after YB in the very near future on behalf of my wife for 2 accounts she had with them. (At the moment just started on Crap1 and Halifax - hence the delay).

 

Its great to read through the thread, you stuck to your guns and you have deservedly won.

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Leanne is it for the full charges + interest + court fees ?Make sure!!!

 

If so accept it and tell them that the letter of discontinuance will be sent once you have the money and it is cleared in your account.

 

Absolutely brilliant really pleased for you , told you there was no need to panic;) panic-button.jpg

Here you can have the button back now

Enjoy every last penny you deserve it.

 

Also strike while the iron is hot and hit them with this http://www.consumeractiongroup.co.uk/forum/bank-templates-library/85726-wasted-costs-order.html

Its no less than they deserve for messing people about so much.

 

rating_5.gif and reputation_pos.gif added Leanne for not backing down and sticking with it!!

 

Jules

xxxx

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Well done leanne

I Have been following your thread with interest(Not 8%).

You have done really well in sticking to your guns there was times when it looked like you whould have accepted the next offer made.

 

Once Again Congratulations and enjoy your money.

 

Well done also to Caro & Jules for the support given in this thread YB are very intimidating but LOST AGAIN.

Thanks lillboy

 

 

 

Bogus Charges £499.00 LBA 1/06/06

Refund of £299.00 now sent Data Protection Act:)

 

GE Capital NEXT

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Congratulations. I have just got a court date and I am now starting to get together my court bundle can anyone tell me which statement is relevant to Yorkshire Bank.It refers in their defence to tariffs and charges a lot but also says in point 7 that the charges were a fee for the service provided by the bank to the claimant in extending facilities and that charges were a genuine pre-estimate of cost. Also where can I get information on CYNTHESYS.

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Congratulations Leanne, although I would re-iterate what Jules says and ask if it includes interest up to date. If not, if you refuse the settlement you will still get it all before the court date in my opinion. I notice they haven't sent the cheque yet, and when they finally sent mine I had not signed an acceptance letter at all. They just capitulated and paid the cheque as they knew they'd lost. The fact that they haven't done that implies to me that they are still holding something back.

 

Call me a cynic if you like, but you might actually get your cheque quicker if you don't agree to it. If I remember rightly I hadn't even responded to my last offer when they caved in and I got the cheque.

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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hi guys,

 

Ah thankyou so much for the great comments, really appreciate the support you have all given me!. A big big THANKYOU to you Caro if it wasnt for all you support and endurance I couldn't of done, honnest. Jules, thanks for the sound advice. The amount that I have settled is £3058.00 inc court costs, 8%interest and daily interest upto 17/5/07. Funny, Caro you should mention the acceptance letter as I only sent it off yesterday and this morning got a carded note from the Royal Mail saying they'd been with a letter that needed to be signed, presuming that the cheque is enclosed, was at work so will have to pick up from depot tomorrow. I agree Caro dont think they had intention of waiting for my acceptance as YB already new they had LOST!!!!!!!

 

Cant wait to cash the cheque already spent the money 3 times over!!!Oh well will at least get a new bathroom out of it. HA, HA HA.

 

Anyway, once cheque clears i'll be making my donation to this site and will still regularly log on to check how you are all getting on.

 

Thanks all, once again

 

Leanne xxx

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Brilliant Leanne. Sounds like the cheque to me lol. I remember the night I had a card like that and couldn't collect it until morning. I was soooooo excited. Interest to tomorrows date eh. I think that gives me enough to change your thread title. Don't forget the survey, and make sure a mod gets your litigation details.

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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Unlucky Lillboy my husband is joiner my trade but does plumbing as well, but thanks anyway.

 

Caro, thanks for changing my thread wow it looks fab!!!! Back to me being stupid but just clarify what my litegation details are?. Bet your going to miss me asking daft questions?????

 

Leanne xx

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I will Leanne, but someone will be along soon and start asking some more, so no doubt I'll be kept busy. Hope you'll pop back for a visit from time to time.

 

Litigation details link here. http://www.consumeractiongroup.co.uk/forum/general/88757-we-badly-need-your.html

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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Excellent news. Well done.

Prelim letter sent - 29/12/06

'Go away' letter recieved 05/01/07

LBA (7 day to sort it) letter sent - 05/01/07

'Will look in to' received - 10/01/07

Claim submitted - 16/01/07

Date of hearing set for 21/05/07

Offer of charges plus costs rejected - 17/04/07

Offer of charges,interest,costs accepted - 25/04/07

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Thanks Richard,

 

Cashed the cheque today into my Branch. Cant tell you how pleasant the cashier was when usually this particular person is quite rude when I have been in previously!!!!. She was one of the staff previously, who stated I WOULD NOT under any circumstances get my CHARGES BACK!!!!!!!

 

C.A.G ROCKS!!!!!!!!!!!

 

Leanne xx

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I hope you told her how you came by it.;):p

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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