Jump to content


  • Tweets

  • Posts

    • Wow thats incredible. Thank you so much
    • If the purchaser denies having received it then sue P2G. If you simply don't hear anything more from the purchaser then you have the purchaser's name and address – and frankly for £48 I would go ahead and sue. As long as you have good proof of delivery then your chances of success are probably better than 95% and frankly the purchaser would probably put their hands up as they would effectively be being sued for the civil equivalent of theft. I wouldn't let it go if I were you. It would be a good exercise for you and gives you confidence the next time something comes up which is may be much more valuable
    • Thank you again Emmzzi for your insight. Not only did I do the work, but as a maths tutor delivering financial literacy workshops under the Govt Multiply project, the college were paid £400 for each student I recruited, which makes it an even bigger kick in the teeth! I spoke to Citizens Advice Bureau on Friday who advised me to go back to ACAS for advice and assistance, as ACAS are the experts in employment matters. They did also mention small claims court, as being more straightforward and less complex, but surely their solicitor would just contest this and I would lose the £80 court fee? If I did submit a claim through the small claims court, would I just leave the employment tribunal running until the outcome? The deadline for me to submit my schedule of loss is tomorrow, so I will submit today so that they cannot hold me in breach.
    • Ive just checked the tracking again and its actually out for delivery today! Anyway,  I refunded the buyer on Ebay off my own back on the 2nd of June they havent opened a case or anything like that so surely i cant take action against either the buyer or P2G/ Evri can i ? Id hope the buyer would see fit and pay but you know what people are like these days ... Once its delivered I'll send him a polite message asking for payment but i suspect there'll be no reply      
    • Thanks for this update. Let's not if you have any more difficulty – in particular if you have difficulty getting paid back from the purchaser. We can help you either against the parcel delivery courier or against the purchaser
  • Recommended Topics

  • Our picks

    • 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
  • Recommended Topics

kkatiew v Lloyds ***WON***


kkatiew
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6219 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

 

I am in hope that someone can advise my next step.

 

Basically, I sent the DPA request and received my statements within the 40 day limit dating back 6 years. I then sent the letter to Lloyds asking for it back including the spreadsheet of charges. I received the standard letter saying 'i'm sorry you're not happy.....'. I was then waiting for the 14 days to exceed, when today I have received a personal letter as below :-

 

" Thanks for getting in touch with us......

Like any business, we do make a charge for some of our extra services.....

You've mentioned the new guidelines from the OFT on credit card 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 only concern 'default' charges. The fees we charge for going over an overdraft limit and for returned payments are not any kind of default penalty. They are fixed standard prices for the service we provide in these situations. So according to our Legal Experts, the OFTS's guidelines on credit card default charges do not in any way apply. I do hope you can see that we make our charging system as fair as possible and I cannot agree to cancel your charges..... "

 

Now firstly, I didnt mention anything about any credit cards ( I am requesting charges back for o/d charges and returned dd etc.

 

Secondly, what reply do I send back to this ?

 

Any help would be much appreciated.

 

Katie

 

Ps Love this site.

Link to post
Share on other sites

  • Replies 121
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

hi kkatie

don't panic, this is just a standard response letter. check out some other longer threads for reassurance, or Reload posted a thread showing bank 'template response letters' which is very handy.

 

BTW, welcome and good luck

 

regards

the train of thought has left the station, hope i was on the right platform!!

 

____________________________________________________

Lloyds TSB

prelim sent 06/07/06 response rec'd 14/07/06

LBA sent 20/07/06 response rec'd 27/07/06

Moneyclaim filed 22/08/06 Ack'd 30/08/06

Defence filed 26/09/06 AQ filed 12/10/06

hearing set for 10th Jan 2007

 

Cap One

prelim sent 2nd Nov 2006 First offer rec'd 14th Nov

any thoughts, suggestions or advice given by MBQ are done so without prejudice. All information I have, i have learned from this excellent site. If in any doubt, seek professsional advice.

 

 

 

 

 

Link to post
Share on other sites

  • 2 weeks later...

Hi,

 

I have followed the templates and guidance given throughout this site (brilliant site by the way) but when I calculated my spreadsheet of charges I included the 8% interest and sent this to them. I sent a copy with the prelim letter and again with the LBA. Have I cocked things up ? What do I need to do now ?

I am currently at the stage where I need to be filing a claim against Lloyds TSB.

 

Any help would be great.

 

Thanks

Link to post
Share on other sites

  • 2 months later...

Hi,

 

I am currently pursuing a claim with Lloyds at the moment. Awaiting a transfer of court hearing to my local court. I received a letter this morning from Lloyds to say I have been charged £120.00 for returned direct debits as there was not enough money in my account to cover them.

 

What would be my next course of action due to the pending court hearing ?

 

Many thanks

Link to post
Share on other sites

Guest ian cognito

You need to start another claim for new charges, they may pay out a bit quicker when they know you're serious tho.

 

Good luck

Link to post
Share on other sites

  • 3 weeks later...

I received a copy of the AQ from Sechiari, Clark and Mitchell yesterday. Conveniently when asked of any dates in which they are unavailable they put November/December 2006 ! Thanks for that....

 

Anyway, in their AQ they've ticked no for any settlement....blah,blah,blah

 

But they have asked for a copy of my AQ. Now I didn't take a copy and presumed the court would send a copy on to them. Would I be able to get a copy of my AQ from court, if not what should I do ?

 

Many thanks

Link to post
Share on other sites

Many thanks, I will do that..... They've got Nov/December to receive it anyway.

 

Also, forgot to mention. On the AQ filled out by SCM, they said they have a witness other that themselves. Has anyone else had this and if so, who would this be ?

Link to post
Share on other sites

  • 2 weeks later...

Hi Everyone,

 

I've today received 2 letters from Court. One is a General Form of judgment or Order which states ' The court has made this order of it's own initiative without a hearing. If you object to the order, you must make an application to have it set aside, varied or stayed within 7 days.' - I'm presuming I don't need to do anything for this ?

The other letter is a Notice of Allocation to The Small Claims Track (Hearing). This goes on to satet the date, time etc of the hearing. It does ask for documents on which I intend to rely on to be sent to the court 14 days before. The hearing is dated 14 March 2007. - Again, I'm presuming nothing needs to be done yet ?

Any help would be gratefully received as I'm now getting a little shakey at getting this far... !

 

Many thanks

Link to post
Share on other sites

hi kkatie

i'm at exactly the same stage, only my hearing is 10th Jan. Don't panic too much, i know it's scary, but there is a 'court bundle' sticky somewhere (no good at copy and paste, sorry) and this should give u all the ammo u need to have in case u should end un in front of the judge. Likelyhood is that you'll receive settlement before then.

 

If this info is inaccurate, i apologise in advance, and i know someone will steer u in the right direction.

 

be strong, good luck

 

regards

the train of thought has left the station, hope i was on the right platform!!

 

____________________________________________________

Lloyds TSB

prelim sent 06/07/06 response rec'd 14/07/06

LBA sent 20/07/06 response rec'd 27/07/06

Moneyclaim filed 22/08/06 Ack'd 30/08/06

Defence filed 26/09/06 AQ filed 12/10/06

hearing set for 10th Jan 2007

 

Cap One

prelim sent 2nd Nov 2006 First offer rec'd 14th Nov

any thoughts, suggestions or advice given by MBQ are done so without prejudice. All information I have, i have learned from this excellent site. If in any doubt, seek professsional advice.

 

 

 

 

 

Link to post
Share on other sites

I've today received 2 letters from Court. One is a General Form of judgment or Order which states ' The court has made this order of it's own initiative without a hearing. If you object to the order, you must make an application to have it set aside, varied or stayed within 7 days.' - I'm presuming I don't need to do anything for this ?

 

 

An order for what? Can you post it up in full please?

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

Link to post
Share on other sites

Here goes....

 

GENERAL FORM OF JUDGMENT OR ORDER

 

Before District Judge Young sitting at Sheffield County Court. The Law Courts etc.....

 

Upon the Courts own motion. The court has made this order of it's own initiative without without a hearing. If you object to the order, you must make an application to have it set aside, varied or stayed within 7 days of receiving it.

 

IT IS ORDERED THAT

 

The defendants do file and serve copies of all relevant documents by 4pm on 29 December 2006.

 

Basically is this something I need to worry about ?

 

Kind Regards

 

And many thanks

Link to post
Share on other sites

Hi

It's nothing to worry about, but you need to get all your documents together to send to Court by 29/12/06:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

 

Good luck!

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

Link to post
Share on other sites

Yep, what Barty said.

 

As well as everything in the court bundle, amend to suit and add this to your evidance too - http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/7744-garyh-lloyds-tsb-unconditionally-3.html#post339177. You need 3 copies of everything - one for you, one for the court and one for Lloyds solicitors. Get it all off ASAP, but certainly no later than the date ordered. A settlement should follow soon after.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

Link to post
Share on other sites

No. You have the statement with the new charges on i assume?.

A copy of that should suffice.

 

Good luck

 

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

Link to post
Share on other sites

Hi Everyone,

 

I'm just gettibng all my documents together to put forward to the court and have been reading the different threads on what to include. The thing is , although I kept copies of all my letters that I sent to LTSB, I didn't keep the letters that they sent to me.

 

Do you foresee a problem ?

 

Many, many thanks

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...