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    • EON may have paid £89 refund in error and now they want it back.   Up to you really. But once you have sent the copy death cert that should stop any further communications.  You can of course look to take this further, but whether you would easily gain any compensation, is the question that you need to ask yourself.  They may dig their heels in and you then get into months of ping pong communications.
    • Great thanks, will leave 2 in then, replace 3 and I think its good to go.    This is exactly what I have in my word file ready to send, I think im happy with it and can send to mcol monday morning. Any further thoughts or things to update please let me know.   Again thank you both for your help, really is priceless.         Defence:   1.     The Defendant contends that the particulars of claim are vague and 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.     The Claimant has not complied with paragraph 3 of the PAPDC (Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.   3.     Paragraph 1 is noted. It is accepted I have in the past had agreements with New Day LTD RE Aqua. I do not recall the precise details or agreement nor the claimant either having failed to plead an agreement/account number within its particulars of claim and have therefore sought verification from the claimant.   4.     Paragraph 2 is noted but until such time the claimant can clarify the agreement account number any breach has yet to be proven.      5.     I am unaware of any legal assignment or Notice of Assignment allegedly served by either the Claimant or New Day LTD RE Aqua pursuant to the Law of Property Act 1925.   6.     It is denied with regards to the Defendant owing any monies to the Claimant. The Claimant has failed to provide any evidence of the Agreement/Assignment/Default notice or Termination requested by CPR 31. 14, and will shortly be in default of my section 78 request, therefore the Claimant is put to strict proof to:   (a)   show how the Defendant has entered into an agreement and; (b)   show and evidence the breach and service of a Default Notice pursuant to sec 87(1) CCA1974 on which the Termination referred to relies upon. (c)   show how the Defendant 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 17th of November I requested to The Claimants Solicitors, Mortimer Clarke by way of a CPR 31.14 copies of the documents referred to within the Claimants particulars to establish what the claim is for. Mortimer Clarke have failed to fulfil my CPR 31:14 request.   9.     On the 16th of November I made a section 78 legal request to the claimant for a copy of the Consumer Credit Agreement. The claimant has as of of 06/12/21 failed to comply.   10.  By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Hi just a quickie   Now in reference to my Post#2 here have they actually provided you with those policies that I pointed out and importantly a copy of there Public Liability Insurance?   If they haven't   Make sure and send them a little reminder adding to the letter in Post#32 that so far they have failed to provide these and you require clarification as to their reason for this failure     Dear Sir/Madam   Complaint Reference: XXXXXXXXXXXXXXXXXXX   Further to my recent letter about this matter Dated XX/XX/2021 I would also like to add that so far you have still failed to provide the following:   Copy of your Compensation Policy (not the leaflet) Copy of your Complaints Policy (not the leaflet) Copy of your Customer service Charter/Policy (not the leaflet) Copy of your Public Liability Insurance (not the leaflet) Copy of Repairs an Maintenance Policy (not the leaflet)   I asked for these is my letter to yourselves dated XX/XX/2021, to date you have failed to respond to this request nor is the Housing Association being Open and Accountable to it's Service Users and I require full clarification for the reason for this failure and when you are going to provide what I have requested.   If you refuse to provide these I require full clarification as to your reason with links to the relevant legislation and exactly which parts you are relying on for your refusal of my request.     Note: If they have answered this please ignore but from your responses I think they have tried to ignore this so you add this to put a rocket up their 'beep' so to speak.   You are more than welcome to the help it's what we are here for, you just look after yourself and take care     
    • The DVLA know less about POFA than my dog that died twenty years ago. They also never admit they have made an error.   Trading Standards would probably be a better avenue for you either on Council inaction on no pp thus appearing to aid and abet a PE scam, condoning PE committing an offence and allowing them to rip off the Council customers as well as financial impropriety by not insisting that PE pay for the requisite fees for permission. You could also complain to the ICO on the same grounds and get two investigations going.
    • I am surprised that POPLA found that your appeal had failed when Initial's response to the appeal had been withdrawn. There was no need for them to adjudicate. POP.LA should have agreed that you had won your appeal. I wonder if Initial  knew something that you and obviously POPLA didn't.  Ignore DRP. I was going to advise  you  write to Initial stating that as they had withdrawn their PCN on appeal so if DRP were acting on instructions from Initial they have breached your GDPR. However on second thoughts you may be best to send them a SAR first to get confirmation that they had withdrawn their claim before going for the breach.
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Starting my bank charge battle !


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Hi all just like to say hello to all in the forum and congratulations to the people who have won there charges back from the banks.

Im just starting out on my journey to try and reclaim £2400 from lloyds tsb, i have read quite alot of stuff on this site and think i have started the ball rolling correctly, but would greatly appreciate it if anybody could point me in the right direction to carry this journey on.

 

Steps i have taken so far :

 

Sent a list of charges from the last 6 years to the bank with a covering legal letter (template) saying that i feel all charges are unlawfull and basically, i want them back within 14 days.

I recieved a letter from the bank this morning saying that they feel all the charges are appropriate and they are going to close my case, but will reopen it if i want to proceed further ?

To be honest i dont really know how to reply to there letter without maybe falling into a loophole of theres where i dont get my money back.

So if there is anybody that is willing to HELP !!!!! PLEASE.:confused:

It will be so much appreciated......

 

Thanks

Bruceyboy

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Guest NATTIE

Welcome to the CAG and it sounds like you have followed a lot of the advice that is normally given and are further along in the process. Your next step is Letter Before Action which tell LloydsTSB that they have 14 days or you are suing them. I would still read more in the Lloyds Successes bit and then begin a thread in the Lloyds part of the forum to update us with your progress.Good Luck

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Hi Buster.

 

Your enthusiasm knows no bounds, does it?

That, in itself is great, provided that you know what you're doing and have prepared yourself.

 

So far, you've done everything right. (I presume that you sent the preliminary letter from the templates library, giving them 14 days to respond.)

If the 14 days are up then send the LBA (letter before action) which you will also find in the templates library. Include another copy of your schedule of charges. This gives them a further 14 days and informs them of your intention to sue.

 

14 days later, if no favourable response is received, then it's Moneyclaim or form N.1 time to start the court proceedings.

 

Please use any time you have, while you're waiting, to read and re-read the FAQs and the step by step guide. Start your own thread in the Lloyds forum and use that for any questions etc. help won't be far away.

 

Good luck.

Regards, Rooster.

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Hi NWSM, I see you beat me this time:D

 

 

All the letters you need are templates.

 

Click on this link for LBA template.....

 

Just copy into Word or whatever package you use. Edit it to add your details, etc and the job's done.

:)

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

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