Jump to content

  • Tweets

  • Posts

    • your claim is against whomever fitted that parts.  
    • I would also take this opportunity to add that I don't really understand why you purchased an insurance policy for this watch – unless it offered you something like new for old, accidental damage or that the policy was transferable to a new owner in the event you decided to sell the watch. If there is not the features that interested you then you are perfectly adequately covered by your consumer rights contained in the Consumer Rights Act 2015 and of course it would be unlawful for John Lewis to attempt to exclude or limit liability in case something happened to the watch and it ceased to be of satisfactory quality for a reasonable period of time. By and large these extended warranties are a waste of money
    • Sunak to new MPs at the Kings Speech debate. Rishi Sunak, in the king's speech debate, tells new MPs that "life comes at you fast" on the government benches. "Before you know it you end up with a bright future behind you and are left wondering whether you can credibly be an elder statesman at the age of 44," he adds.
    • Properly declared means that you declared the exact value of the item that you sent and by and large you are limited in the value that you can claim to that declared value.  It seems that you didn't declare the value of the accompanying insurance and so if you want, you can go ahead and claim it and we will help you but by and large although your chances of recovering the value of the watch are much better than 95%, The chances of you claiming the value of the lost insurance are much less.  It's up to you if you want to try . Please do the reading that we have advised and start preparing your letter of claim and post the draft here. I suggest that you think about posting up a draft letter of claim on about Sunday which will give you lots of time to do necessary reading  
    • The dealership is not the issue, the technician who I have known for a long time explained where the fault lies, the other garage for lack of a better word did a very  poor job of putting the brake pad on where the piston was not lined up correctly which caused uneven pressure on inner pad, the peg on rear of pad not sat in grove of piston.
  • 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
      • 162 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

Chris_d vs Barclays

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6379 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


Start your own new thread

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



Recommended Posts

First off, the wifes account :wink: .


Sent the SAR on 08 Dec 06 and on 03 Jan I received the statements dating back to 03 Oct 00.


I've since calculated the charges and less interest they owe her £825 in unlawful charges.


On 04 Jan I sent the Prelim letter (recorded) along with the charges schedule (both in the respective formats taken from the templates section) claiming the £825 to be refunded.


However, today when i was calculating the charges for another account i noticed that i have made a mistake on the calculation sheet for this claim.


At the top of the spreadsheet where all your details go it says Period From xxxxx To xxxxxx. The period i am claiming from is 12 Oct 00 to 18 Dec 06, however i have just noticed a typo on my submitted schedule and it actually says 30 Oct 00 to 18 Dec 05, although the final charge is 13 Dec 06. All the dates associated with the charges listed in the table below are correct.


Obviously this is a legal document and if they wanted to they could use the typo in their favour. Thefore, should i re-submit another Prelim letter with the amended From/To dates on the schedule, wait and see what they reply with or, submit an amended schedule with the LBA.

Link to post
Share on other sites

Still waiting some advice on the above, also the prelim was sent first class recorded on the 04 Jan but according to royal mail track and trace it still hasnt been delivered, or at least it doesn't show on their computer as having been delivered yet.


When do my 14 days start or should i send another prelim?





oh, and christ this forum moves fast. Barclays must be getting hammered

Link to post
Share on other sites

they don't bother reading these letters anyway, they just respond with templates regardless of the specifics of your claim. (I get the impression they're snowed under) So don't worry, and just send an amended LBA in line with your timetable. They won't pay up in full until you file a court claim anyway.

Link to post
Share on other sites

dunno whats up with track and trace but hey, received a letter from Mike Brophy (Customer Relations Manager) at Barclays today (Dated 10 Jan) acknowledging my prelim letter. It reads like a standard reply, "received your letter on 08 Jan", "sorry to hear you are not happy about the charges" etc etc and then goes on to say that they'll be "finding a solution within 4 weeks" and "a full report will be sent to you in 8 weeks".


Also states "please refer to the leaflet enclosed" - funny, as no leaflet is enclosed.


So, LBA will be sent on Thursday 18th, which is 14 days from the 4th Jan when the prelim was dated.

Link to post
Share on other sites

Ok, LBA prepared, does this look ok? (taken from templates & edited accordingly):


Dear Sir / Madam,




Sort Code: xxxxxxxxxx

Account Number: xxxxxxxxxx


Thank you for your letter dated 10 Jan 06 which arrived on 16 Jan 06. However, you have failed to respond positively towards the requests in my letter dated 04 Jan 06.


I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.


I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.


I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.


I calculate that you have taken £825.00 in unlawful charges against my account between 12 Oct 00 and 18 Dec 06. Also, please note, due to a typing error on my behalf, I am enclosing an amended copy of the schedule of the charges I sent you with my original letter dated 04 Jan 06.


I require repayment in full of this money. If you do not comply fully within 14 days from the date of this letter, I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.


Yours faithfully,

Link to post
Share on other sites

You are only a few days ahead of me with Barclays, so interested to see who gets there first ;)


Good luck!

If you think my advice has been helpful, please click on the scales to the left :) thank you!


Non illegitimi carborundum



I wish I was a glow worm,

A glow worm's never glum!


How can you be grumpy,

when the sun shines out yer bum?! :p



Amex * 2 *** WON *** Settled

Marbles ****WON*** In full settlement

Capital 1 ***WON*** In full settlement

MBNA ***WON**** In full settlement

Barclaycard ***WON*** In full settlement

Barclays Bank - ***WON*** In full settlement

Abbey ***WON*** In full settlement

Abbey (Mrs Chorlton) ***WON*** In full settlement

Abbey (Mr and Mrs C) - MCOL submitted 16/5/07

Link to post
Share on other sites

  • 2 weeks later...



Received a letter today, signed Susan Harris (Customer Relations Manager), enevelope was hand written too.


Anyway, looks like a standard reply with a goodwill gesture of £430 (full amount is £850 ish)


Have spoken to the wife and she is adament (sp?) that she does not want to get involved with the court stage whatsoever, so unless i convince her otherwise we may be settling for this (although not accepting any terms etc etc).


Will update you on the overall outcome.

Link to post
Share on other sites

look, all you have to do is lodge the claim and barclays will settle for the full amount before the hearing date. You want to throw away half your moeny thats your business, but I'd show her who wears the trousers personally.. (unless she does eh! ;))

Link to post
Share on other sites

but I'd show her who wears the trousers personally.. (unless she does eh! ;))


haha.....as if ;):rolleyes:


Mate, personally i'm with you 100% but, she's the one signing the letters. Also, we have a predicament being that we are currently based in cyprus until Jan 08, so making a court appearance (I know, i know it won't happen :rolleyes: ) or at least being prepared at the last minute to make one could be a logisitical pain in the bum, as well as costly (flights etc). Basically, she aint convinced it won't go to court, its nowt to do with the trousers at all.


I have convinced her though, to call this afternoon though requesting a reason for the goodwill offer and try to squeeze some more out of them. (see paul vs barclays - settled).

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?

  • Create New...