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    • Hi Everyone, hope you are all keeping well in this strange new era.   On the 17th Sept, my friend booked a delivery to send a parcel to the USA, a vintage sewing machine. The collection and delivery was booked through MyParcelDeliver.Com, and UPS was the chosen courier. They collected it about four days later.   He paid for additional insurance along with the transportation of the item, to the tune of £128.75.   He packaged the parcel very well, packed with bubble wrap and paper and also styrofoam so that the sewing machine was safe in the box. He placed some plastic wrap over this, and he then sealed the box with tape. He videoed this for the buyer, so she could see how well he had packed the item because they were both concerned about the package being well protected.   The item arrived in the USA a few days later. The buyer instantly notified my friend that the parcel packaging was damaged, showing stress from water and general mishandling, and the item was also damaged in various parts, mainly the casing and the base.   He complained to MyParcelDelivery.Com on the1st October, they responded with 'You need to contact UPS...', which he did and also the buyer contacted them and got a response on the 2nd October.   UPS informed the buyer they would like to come and take a look at the packaging and the item, and this is the last she heard from them, she has called them several times, and always they say someone will call tomorrow and no one calls. She called my friend to ask if he could call them too and chase them up, he is Italian, and though he speaks English generally well, he asked me to talk with them on his behalf because he felt they were not listening to him or that he was missing something.   I spoke with them on the 26th October, they said they had sent my friend an email about this, we checked all of his emails, junk/spam too. There is nothing in there, I asked them to resend it, but nothing has appeared despite them saying they have sent it, we know they have the correct email address because they sent a message on the 2nd confirming they are looking into the claim of a damaged package, they also said they were planning on calling the seller 'again' on the 27th, which of course never happened, which she confirmed with me on the evening of the 27th.   Now it would seem to me that MyParcelDelivery is trying to say it has nothing to do with them, despite the booking being made through them, UPS US are pretending they are doing something but have so far done nothing, and we have heard Zilch from UPS UK.   I would like, if possible, some guidance on how to go about getting this resolved because this is just not right, the agent/courier have had their money, but the seller and buyer have been the victims of poor service and damaged goods.   If anyone could point us in the right direction on how to tackle this and get some redress for this, then I would be most grateful.   Thanks and kind regards   Mr B                 pox.pdf
    • From December, NS&I is phasing out posting warrants - a type of cheque - to winners. It instead wants bondholders to provide bank details so it can pay the money into their account. View the full article
    • Hi. As you can probably presume by the time this has been posted, I am annoyed. Long story cut short is we bought a new build, got a professional snagging company to come in and make a list of things that needed doing and am now still in the process of liaising with painters / electricans, etc. There has been significant disruption with arranging to be in to help guide the various workmen, etc, let alone the complexities of Covid to deal with as well as having two small children. Tonight we were up until quite late having to prepare things for a painter to come tomorrow to fix all the awful painting and marks on walls / poor finishes, etc. This has (and has had over the last few weeks) had a knock on effect with being tired, work being affected, let alone sooooo much time wasted on discussing the various elements with the developer (who hasn't argued with any of the painting, poor electrics, etc that has to be done). My question is has anyone ever claimed redress for all the wasted hours that have to be spent on doing things like this because a developer rushed to get a house ready on time?
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Me against the Natwest X2 **I'VE WON, I'VE WON!!!**


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First of all can I just say that until I found this site I had no idea that there were so many people in the same boat as I am in. It has now been a great help and inspiration to read that so many people are taking on the banks and winning. I have now started the ball rolling and will now hopefully get something back at a time where I really could use a helping hand.

 

I did read the FAQs although some of the information went right over my head... I need to find a brain at some point.

 

I have opened another account in another bank and hopefully that will be the start.

 

I sent two DPA's on the 20th March, I have had statements back from one of the accounts, and have phones to query where the other set are and there is no record of them recieving my letter... thank god for recorded delivery!

 

Im now debating whether to send them a reminder letter or just let the 40 days elapse and report them... think Im going to let the 40 days elapse.

 

I have gone through the set of statements now from the first account, and found much to my amazment that I was charged a whopping £568 for a period of 12 months. Now that is an awful lot of money to me that Equates to a months mortgage or other bits and pieces I have had to do without over the last 12 months.. and I know there is another charge of £28 to go on there. Im now waiting for my statement to come through to show me where this has come from.

 

Thats one account down, Im now waiting for all of the other information to come through. I know the next account is going to be horrendous... Im fighting a loosing battle at the moment to keep afloat and its not easy.

 

However, all of the information here, and reading about everybody else's results has really helped to put determination to complete this effort.

 

Thanks to everybody this is just what I need.

 

Lynne

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Hi Lynne,

 

Welcome aboard the same boat...

 

Regarding DPA requests - you have made the request, and are not obliged to send a reminder. However, contacting the bank after about 30 days does 2 things:

  • Reminds them to get the info to you, so you can make a more accurate estimate of the refund you request
  • Demonstrates that YOU are making as much effort as possible to resolve the issue

However, if they don't comply, then you should report them.

 

As for the rest of it, you seem to have a reasonable handle on how the timetable works. Keep checking the following FAQ link, just to make certain that 4 weeks down the line everything is crystal clear:http://www.consumeractiongroup.co.uk/forum/showthread.php?t=243

 

Good luck.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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  • 3 weeks later...

Just another update, sent two more letters to the Natwest, one asking for my charges back the other saying that their 40 days was up, I hadnt heard from them therefore, I was going to report them and I would like my statements.

 

got a letter back 4th of May saying nope you cant have your charges back... onto the next step now...

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Well I got all of my 6 yrs worth of statements, and I waded through them with a highlighter pen, then put them onto the spreadsheet... and I can't believe the amount at the end... a whopping £3553.50.. Im still in shock but my first request for payment is going off tomorrow, and also a letter before action for my other acount which doesn't have anywhere near that amount.

 

Im still in shock that I have paid so much in charges. Oh what could I do with that kind of money now...

 

spend it of course....

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  • 2 weeks later...

Ah well it had to happen, I seperated my claims for my charges back and now have had a nice letter... from Stuart Higley saying I have all ready said that there is nothing at all I can do... go away and by the way I have informed the litigation team that of your intentions... thought it was too good to be true so... Ive started my money claim, saying that the combined total including interest is mind numbing, its over the £5k. Im still in complete shock now, I hope that this works I have faith and I will keep going with it... but a little bit nervious now.

 

I do have faith, I will win...

 

keep telling myself that as yet another £38 charge hit my account for what being over my overdraft limit by pennies.

 

Here goes

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Well I did it, I finally did it,

 

I've filed a claim today against the natwest....

 

Oh dear Im shocked but so happy that Ive done it now

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Nat west aknowledged my claim today...

 

I think its a bit ironic it being 06/06/06 wonder if they are the devil...

 

ah well 26 days and counting

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In rbrears thread ('My claim against Natwest') they waited until the allocation questionnaire stage before giving in and refunding the whole amount. So stick with it and keep us posted.

If you found this post useful please click on the scales above.

 

Egg - £400 - Prelim sent. On hold.

Mint - On the list Est £800

GE Capital - On the list (3 accounts!) Est £4000

 

MBNA - £545 Prelim sent 13/11/2006

LBA sent 1/12/2006

£350 partial payment received 18/12/2006.

Full settlement received 20/1/07

 

NatWest - Est £4000 not incl interest

Data Protection Act Sent 10/1/07

Statements received 24/1/07

Prelim sent 3/2/07

Full Settlement received 22/2/07

 

The contents of this post are the sole opinions of The Cornflake and not necessarily the opinions of any other members of this group. They do not constitute sound legal or financial advice and if in doubt you are advised to seek advice from a qualified professional

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In rbrears thread ('My claim against Natwest') they waited until the allocation questionnaire stage before giving in and refunding the whole amount. So stick with it and keep us posted.

 

Im sticking with it... its strange I would have been panicing by now, but by keep reading the site, and sticking to the proceedures have actually given me confidence that I would normally not have...

 

My Mum on the other hand went into a huge panic when I told her what I was doing, shes 72 and thinks that the banks cant be wrong... but since shes never ever paid a bank charge, she also cant understand how Ive ended up in this mess.

 

But I have time, the clocks ticking and well I know its all going to turn out well.

 

thanks everyone for your help

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Ah well it had to happen, I seperated my claims for my charges back and now have had a nice letter... from Stuart Higley saying I have all ready said that there is nothing at all I can do... go away and by the way I have informed the litigation team that of your intentions... thought it was too good to be true so... Ive started my money claim, saying that the combined total including interest is mind numbing, its over the £5k. Im still in complete shock now, I hope that this works I have faith and I will keep going with it... but a little bit nervious now.

 

I do have faith, I will win...

 

keep telling myself that as yet another £38 charge hit my account for what being over my overdraft limit by pennies.

 

Here goes

 

Was the claim over £5k excluding the interest? If it was, I'm just wondering if this is why they are defending it, as this would entitle them to claim costs if they win.

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Was the claim over £5k excluding the interest? If it was, I'm just wondering if this is why they are defending it, as this would entitle them to claim costs if they win.

 

My whole claim was for £5092 including interest and charges, I had an extra set of charges that pushed the claim over the £5k and decided not to include those. I have not at this time heard anything from them, or had the questionaire yet so heres hoping...

 

Mind you I have had a letter from them telling me my account was being charged a referal fee, thats the first one in years... it got me wondering why?

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  • 2 weeks later...

Just a quick update...

 

heard nothing at all, no questionaire nothing... ah well patience is a virtue I have been told...

 

But I want it to happen NOW!!

 

well they have until Friday to sort it all out...

 

weeee what a week this is going to be

 

I can hear that ticking clock

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Hi, well this weeks dragged, however, my claim was accepted on the 2/6 and that means that today is the last day for the natwest to file a claim. I need help because I have heard nothing at all, no phone calls no letters nothing, I keep logging onto the Moneyclaim site to see if they have logged a defence but nothing, not court questionaire...

 

Now the help bit, Is anybody at all out there in the same boat as me, Im hoping that I can get a default judgement as they havent filed. Also are the 28 days from me filing or them acknoweldging... I sort of know its from me filing but wanted to be sure...

 

I think it must be just me... i must smell or something and they dont want to talk to me...

 

thanks if advance for anybody that can help

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I phoned moneyclaim thought that they would be able to answer my question. I looked on the Faq and other posts and couldnt really find an answer... but money claim said that the 28 days started when they recieved the papers... thats 5 days after I submitted the claim... which means if they dont do anything before the 5th of July then I can win the judgement by default... which is all well and good... but its been 28 days since they acknowledged the claim... so really they have more time... ah well another 5 days to wait... takes me to wednesday next week... oh how I wish that time wouldnt drag...

 

eeek forwards and onwards, its not like i couldnt do with the money...

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Well today is the last day for natwest to file a defence... but watching others on here I reckon natwest will have either served the defence today or will late tomorrow... nothing is ever straight forward....

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natwest filed their defence today at the last possible moment... deadline midnight, so Im now waiting for my questionaire and letter from Corbetts... or should that be ronnies

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Just want to say good luck :)

Initially owed £76

Phone call to NatWest - £19 refunded

Now claiming £57

Visit to local branch - Nothing done

Initial letter - Standard refusal letter from Mr. Higley

LBA - Another refusal letter from Mr. Higley

Action filled Monday 7th August - court costs £30

Now claiming £87

10th August - Natwest acknowledge the claim, intend to defend in full

23rd August - Received a latter and cheque from RBS for the full amount

24th August - Send letter to RBS accepting payment on the condition that payment is not confidential

30th August - Payment cleared.

Case closed!

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Hi Lynne,there 's about 4 of us at this stage in our claim,Cobbetts will have sent you the same doc as us.Turn the last page back(crafty) on itself...does it say?

 

claiment ****

and

defendant NWB

 

CPR PART 18 REQUEST

 

Part 18 does not apply to the small claims track.(CLAIMS UNDER £5,000)

Barracad says

There is no need to respond to part 18 requests other than to point out that you consider that the inquiry is intimidatory as part 18 is excluded and that you intend to bring the intimidation to the notice of the court.>

hopefully you will get your money back soon

Tim

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Hi Lynne,there 's about 4 of us at this stage in our claim,Cobbetts will have sent you the same doc as us.Turn the last page back(crafty) on itself...does it say?

 

claiment ****

and

defendant NWB

 

CPR PART 18 REQUEST

 

Part 18 does not apply to the small claims track.(CLAIMS UNDER £5,000)

Barracad says

There is no need to respond to part 18 requests other than to point out that you consider that the inquiry is intimidatory as part 18 is excluded and that you intend to bring the intimidation to the notice of the court.>

hopefully you will get your money back soon

Tim

 

Hi Tim

 

well mine doesnt say any of that however, im going through everything and i really dont think that the cpr18 rule applies either... however, trying to read round the posts to see if anyone esle is having that problem.

 

My brains trying to leak out of my ears at the moment, but Im not going to let this go now at this stage. The court is not far away so will be off there to hand in my questionaire in person if I can get it finished.

 

Lynne

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Well after battling my way though the cpr18 part i ditched it and sent corbets a nice letter saying that i imagine that because my claim not including costs was under (just under) the 5k I didnt need to send them the reply to their cpr18... so Im now waiting for a bog standard letter....

 

i am getting excited... but also I now can see a small blinking light at the end of the tunnel....

 

I so hope it works out ok....

 

it will I know

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Good luck

I'm about to do battle with NatWest as well so I shall be especially interested in where this goes.

 

Donethat

 

Do it ... dont be put off by them, they will try everything they can but in the end have faith in everyone on here thats WON!!

 

if nothing else you have the experience... and well its not going to throw you again...

 

Im amazed at just how much this site has helped in other areas... its great... I feel armed and dangerous....

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  • 2 weeks later...

Thanx for your help Lynne... Fingerz crossed for you - this is an exiting read!!

Good luck ;-)

[SIZE=1] [SIZE=1][COLOR=royalblue][COLOR=black][B]NatWest [/B] Offer accepted - 24/07/06 - £615[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=black]-----------------------------------------------[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=black][B]Cap One [/B] Prelim - 22/08/06[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=#000000]LBA sent - 06/09/06 [/COLOR][/COLOR][/SIZE][SIZE=1][COLOR=royalblue][COLOR=#000000] MCOL issued 06/10/06 Served 11/10/06. Acknowledged - Deadline 25/10/06 [COLOR=Red] Offer of full settlement via personal cheque accepted £269. Wait 14 days in post for cheque from - 07/11/06 [/COLOR] [/COLOR] [/COLOR][/SIZE][SIZE=2][COLOR=magenta][B][COLOR=darkslateblue]Hit the [/COLOR][COLOR=darkslateblue][URL="https://www.paypal.com/cgi-bin/webscr"][COLOR=red]DONATE BUTTON[/COLOR] [/URL]and give 5% back to support this site! And don't forget the [COLOR=red]survey ;) [/COLOR][/COLOR][/B][/COLOR][/SIZE] [/SIZE]

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WEll....

 

The postman today delivered a nice missive from Corbetts... asking me if I would like to accept a 50% offer of what they owe me...

 

Im in the middle of compiling my "you have to be kidding" reply to them...

 

They have also asked if I would keep my mouth shut.... and not tell anyone... but Im not going to do that am I?

 

Well Im now starting to see the light at the end of a very long tunnel.... but you know... I now have both my sisters starting right now on their DPA's its amazing what a letter saying I can have money can do:D

 

so .... let you know what they have to say in the next couple of days....

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