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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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      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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Business Query


Bill Lynch
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Hi Guys,

I am trying to help my daughter-in-law reclaim her Bank charges from Lloyds. She sent off the normal SAR letter and instead of receiving all her statements, she received several pages of 'Customer Notes', several pages of 'View Statement Entries - Account No.' and some pages of 'Account Statement' covering only one year when she has had her account with Lloyds for 10 years. Her 'Customer Notes' give no idea about charges, it is mostly filled with lines of 'MO STDLET First Class Central'. Her 'View Statement Entries' contain a date followed by lines of 'Overdraft Usage Fee' and 'Overdraft Excess fee' and 'Overdraft Interest' also 'Unpaid D/D' and 'Unpaid Cheque'. It then gives a sheet number (presumably her statement page number but they are not enclosed). As an individual who has never had any dealings with Lloyds, I don't know whether this is just a stalling tactic or normal procedure or indeed is it non-compliance? I am not really any further forward in terms of knowing what 'charges' have been taken from the account. Does anybody have a more intimate knowledge of what all this means? I would be really grateful for any information or advice.

Bill Lynch

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I recieved a few pages of customer notes from Lloyds, along with all my statements. They list what letters went out to her and when etc and stem from the manual intervention request (I think) 'STDLET' is short for standard letter, there was a list of abbreviations with mine. I think that either your daughter-in-laws statements are on their way or maybe Lloyds have cocked things up a bit. When was the SAR posted? you could send them a reminder if it has been a while, stating you have not yet recieved the statements, but are in reciept of the customer notes.

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Its exactly what i first received. The statement entries do give the full list of charges but because they are not full statements obviously dont let you see the state of your account at the time etc .I phoned Lloyds and told them i had requested 6 years of FULL statements and that that was what i wanted off them .I reminded them the 40 days was still running and received all my statements about 4 days later . You would need full statements if you are planning to reclaim overdraft interest . Try giving them a stern phone call !

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Hi jcd34 and Stadium Arcadium,

Thank you both very much for your helpful advice. I am preparing a letter now to send it off reminding them that I have not received the statements. At least that way it will be recorded. As a matter of interest I used the suggested template letter in the library which states, "Please supply me with a complete list of transactions and charges relating to my banking history with your organisation. Alternatively, a complete set of statements for that period will be acceptable". It is argueable that they have complied with my first request, the statements were an alternative. What do you think?

Regards,

Bill Lynch

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Her 'View Statement Entries' contain a date followed by lines of 'Overdraft Usage Fee' and 'Overdraft Excess fee' and 'Overdraft Interest' also 'Unpaid D/D' and 'Unpaid Cheque'.

 

This is a list of all the charges, which is what was requested.

 

They do not have to supply statements - they have complied with your request. If you insist on copy statements then they can charge whatever they like for them.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Hi all,

 

Bill, I have received exactly the same today, a list of customer notes (but only starting DEC '01 rather than from OCT '00), along with an abrievaitions key, but can still not make head nor tail of it. Which letters can you claim for and how much would they have charged you??? thats the information i was hoping to recieve.

 

I also recieve part charges list part old statements.

 

very bloomin' confusin

 

Dinglewoody

Lloyds TSB Gold Acc. - 30/10/06 - Posted S.A.R. & cheque

- 31/10/06 - SAR received by bank

 

Lloyds TSB CC - 30/10/06 - Posted S.A.R. & cheque

-31/10/06 - SAR received by bank

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Hi all,

Thank you all for your help. I am somewhat less confused than I was. I have had dealings with the Halifax and I got every statement over the past 10 years and it was easy to differentiate between what was a charge and what was not. I think the objective here by the banks is to cause as much confusion as possible in the hope that it will put us all off. That will not happen in this case but I do feel that the template provides them with an alternative and they choose the one that is the most problematic for us.

Bill

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Hi Guys,

I am helping my daughter in law to try and claim back some charges. She has a small business of her own. Because she has to keep her statements for the accountant, I have been able to check back on them and record the charges etc. I am at a stage where I need to write to the bank and ask for the charges back. I understand from the library template and other threads that the legislation is different for businesses than from the normal consumer. The only template that I can find is the LBA (for business). Is there another sample letter for businesses which is the initial request for the return of charges? Would be grateful for any help with this query.

Regards

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Hi Both,

Thank you for your info. I guess the only difference between the consumer version and the business version is the legislation that empowers the request for repayment of charges. The business version requires that "Common Law and the Unfair (Contracts) Terms Act 1977" is used as opposed to the consumer version where the "1999 Unfair Terms in Consumer Contracts Regs" is used. The initial wording for the first demand for my money is academic, what is important is that the legislation quoted is correct. Would you agree?

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  • 3 months later...

I am making a business account claim to Lloyds. On the initial template for business it states "Common Law and Statute". I worded the letters and POC accordingly. I have now had a reply from the Solicitors where everything is denied. Also, they sate that none of the Statutes, including the Unfair Contract Terms Act or the Unfair Terms in Consumer Contracts Regs or the Supply of Goods or Services Act apply. I have been back on to the "Business Claims - Basic Guide" and in the initial letter for repayment it mentions just Common Law. Then in the LBA it mentions Common Law and Statute and in the POC it mentions just Common Law. As we are preparing for Court I need to clarify which is which!! What can be relied on when it comes to the Common Law, just the Stated Cases or what else? The templates for business are confusing because they contradict each other. Can anyone please help?

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Threads merged to make it easier to follow progress and advise.

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, I had a delay in getting my statements and my son had the same. I faxed them a copy of the letter and then they arrived very quickly. The fax number 0121 633 5443. I hope this helps.

Claim with Halifax settled at LBA stage.

 

Lloyds Business LBA sent 15/03/2007

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