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    • That could be helpful – but I have to say that I would have been more comfortable getting an independent inspection first. Although it would be a very good idea to get the manufacturer installed at some point, it is highly likely that they will enter into an independent exchange of correspondence with Lord. You won't know what is being said or discussed and at the end of the day you can't be too certain where the interests of the manufacturer lay. If Lord are a frequent/regular customer of the manufacturer then the manufacturer may find that they have a bit of a dilemma because they won't want to lose a good business customer. I suppose that it is you who has put this enquiry in hand but I think that you have gotten ahead of yourself and it would be better to get at least one independent assessment first of all because then if you had decided to bring the manufacturer in, you would have a documented assessment to show to them and this would have put you in a stronger position. I'm afraid that by alerting the manufacturer before you are ready with all of your own authoritative assessments, you are ceding control. I hope it doesn't cause problems – but at the end of the day, all of these people are serving their own economic interests  
    • Insurance may be arranged to cover say fire, earthquake, theft, but not breakage when there is no other underlying cause for the loss.   So it is possible for Insurance to be valid with exclusions applying and for items to be excluded under Couriers t&c's.        
    • The first thing is that if you slow down a bit and read the Hermes stories on this forum, you would understand why you are completely wrong when you suggest that because the contract of carriage is between the sender and the courier, that you have no right to sue. You say that you are running your own business and so you have got things right, but if this has been your understanding while you have been running your own business – then Big Fail. On the other hand, I'm afraid that I disagree with the view of my site team colleague that you can sue the courier.   In most circumstances you certainly could – but this case, the items were made of glass. Glass is on the prohibited items list and they were broken. Often we find that couriers rely on the prohibited items list to disclaim liability even for glass items when they have been lost. In those cases, the fact that the item is made of glass is irrelevant and the courier is still liable. However, with the item is broken because it is glass – exactly the kind of risk which is foreseen in the prohibited items list – then I'm afraid that there is probably no claim. The courier service has made it clear that they won't be held liable for the consequences of the particular sensitivity of certain items – and the sender accepts that as part of the contract. What is interesting though is that you are suggesting that the item has been insured. Do you know this for a fact? I would venture to say that if the courier has accepted insurance money for an item which is on the prohibited items list, then I think that overrides the prohibited items list and on that basis I agree with my site team colleague that you can sue the courier. I'm afraid that your story is really not at all clear. I think we need to know the identity of the seller, the identity of the courier. Was insurance taken out? As the seller accessible in terms of knowing their name and address for the issue of a County Court claim? The value of the item is irrelevant and in fact if it is only £50 then I think that it is excellent that you are prepared to enforce your rights for such a small sum when many other people would simply write it off.   We can certainly help you but you need to answer my questions and set the story out in a proper chronological timeline and a bit less of the narrative please  
    • The value of New York-listed Chinese companies has plummeted after a series of crackdowns by Beijing.View the full article
    • If you could merge AdriHD into adridude so adridude is still active and AdriHD disappears, that'd be awesome. :)
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Hi everyone,

I have started my claim against First Direct and Lloyds TSB a few weeks ago, not heard a thing from TSB (have asked for statements) so far, but sent claim for £420 to FD last week (who kindly returned my £10 cheque also), they acknowledged with a "10 days to reply" letter. Started to panic a bit about TSB though, cos we have a huge o/d, so have applied to Citibank for parachute account today!

Anyway, I am also new to this Forum thing and Posting Threads etc... Never used them b4 so I apologise in advance if I make a mistake. I have a lot of learning to do now.:!:

First Direct ** WON ** :p

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Just read read read.


With your TSB account, if you don't hear from them, just stick to your deadlines and proceed to the next stage.


Good luck!

If my post has been useful, tip my scales and let me know


Always start with the User guide!

Stuck with RBS charges? Click here!!



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  • 2 weeks later...

SUCCESS, Letter received from FD today offering to pay back my bank charges in full. I had included the interest with my letter, but I am happy to accept their offer and not take things any further, as I was a bit nervous about it getting to the court stage. So, happy days. I am going to put a new thread in Lloyds TSB now because they are also on my list. I will be making a donation to this site as soon as my cash hits my bank. Thanks a lot CAG!!!! Cheers:D

First Direct ** WON ** :p

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Nice work well done.Good luck with your next claim.:D

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.



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