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    • If the claimant fails to draft directions the court can order a Case Management Hearing to set them but normally in Fast Track claims the claimant sets the directions...Unlike small claims track which are always set the court.
    • Not Evris offer, the court offers mediation service.   All claims proceed to hearing if mediation fails /not happen.   Why do you not wish to attend in person to stand your claim ?     Absolutely you must comply with the courts directions or your claim risks being struck out. Preparation for a hearing should happen irrespective of mediation.   https://www.consumeractiongroup.co.uk/topic/460613-suing-a-parcel-delivery-company-when-you-dont-have-a-direct-contract-with-them-–-third-party-rights-copy-of-judgment-available/#comment-5255007   Andy  
    • LPA.  (I'm fighting insolvency due to all the stuff that he and lender have done).  He appointed estate agents - (changed several times). Disclosure shows he was originally appointed for a specific reason (3m after repo) : using his powers as acting for leaseholder to serve notice on freeholders (to grab fh).  There was interest from 3 potential buyers. He chose one whose offer depended on a positive result of the notice.  Disc also shows he'd taken counsel advice - which was 'he'd fail'.  He'd simultaneously asked to resign as his job (of serving notice) was done and he'd found a buyer.  Lender asked him to stay on to assign notice to the buyer.  Notice failed, buyer didn't buy.  So receiver stayed.  There was 1 buyer who wanted to proceed w/o fh but receiver/ lender wasted 1y trying to get rid of them!  Disc shows why. But I didn't know why at the time. In later months Lender voiced getting rid of receiver. Various reasons - including cost.  But there's a contradiction/ irony: as I've seen an email (of 4y ago) which shows the receiver telling lender not to incur significant costs and to minimize receiver costs.    Yet lender then asked him to serve another notice - again counsel advice indicated 'he'd fail'.  And he did fail.  But wasted 3y trying and incurred huge legal costs - lender trying to pass on to me. Lender interfered - said wanted to do works.  Receiver should have said no.  But disc. shows he agreed to step aside to let them do the works - on proviso lender would discuss potential costs first (they didn't), works wouldn't take long (took 15m), and lender would hold interest (they didn't) (this last point is crucial for me now - as I need to know if I can argue that all interest beyond this point shouldnt be allowed?)   I need to check receiver witness statement in litigation with freeholders to see exactly what he said about 'his position'. But I remember it being along the lines of - 'if the works increased the value of the property he didn't have a problem'.  Lender/ receiver real problems started at this point. The cost of works and 4y passage of time has meant there is no real increase in value. Lender (or receiver) didn't get any permissions (statutory or fh) (and didn't tell me) and just bulldozed the property to an empty shell.  The freeholders served notice on me as leaseholder for breach of covenants (strict no alterations).  The Lender stepped in (acting for me) to issue notice for relief of forfeiture - not the receiver.  That wasted 2y of litigation (3y if inc the works) and incurred huge costs (both sides).  Lender's aim was to do the works that every potential buyer balked at due to the lease restrictions.  Lender and receiver knew couldn't do works w/o fh permission. Lender did them anyway; receiver allowed.  Receiver remained appointed.  I'm arguing lender interfered in receiver duties.  Receiver should have just sold property 4-5y ago w/o allowing any works.  Almost 3y since works finished the property remains unsold (>5y from repo). The property looks brand new - but it was great before.  The lender spent a ton of money - hoping that would facilitate a quick sale.  But the money they spent and the years they have wasted has meant they had to increase sale price.  It's now completely overpriced.  And - of course - the same issues that put buyers off (before works) still exist.   The receiver has tried for 2y to assert the works increased value. But he is relying on agents estimates - which have proved highly speculative. (Usual trick of an agent to give a high value to get the business - and then tell seller to reduce when no-one buys.). And of course lender continues to accrue interest (despite 4y ago receiver saying pause interest). Lender tried to persuade receiver to use specific agent. Disc shows this agent was best friends with the lender's main investor in the property.  Before works this agent had valued it low.  After works this agent suggested a value 70% higher!  The lender persuaded receiver to sack one agent and instead use this agent.  No offers. (Price way too high).   Research has uncovered that this main investor has since died.  I guess his investment is part of probate? And his family want it back?    Disc shows the sacked agent had actually received a high offer 1y ago.  Receiver rejected it.  (thus I don't know if the buyer would have ever proceeded). He was relying on the high speculative valuation the agents had given him to pitch for the business. The agents were in a catch-22.  The receiver sacked them. Disc shows there has been 0 interest ever since (inc via new agent requested by lender). I don't think lender or receiver want all this to come out in public domain via a trial.  It will ruin their reputations. If I can't get an order for sale with lender - can I apply separately against receiver?
    • Ok many thanks. Just wanted to check that nothing else for us to do / send for the moment. Will update again once we receive a copy of their N181 and proposed directions for review. Our post is a bit hit and miss at the moment. Appreciate the help through this process.
    • Yes and will ask you if you are in agreement and or wish to add /remove any direction.
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    • 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.

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New claim-starting Monday


sunnyjools
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Hi everyone,

 

I have been reading this site for about a week now, having come across it by accident I am now totally hooked,and determined to get our money back.

 

With hubby being self employed I had 6 yrs of bank statements, the charges add up to 1300 all relating to charges being made for unpaid DD & Cheques,some all because cheques had not cleared by 1 day and insufficant funds of of a few pence or pounds,( 60p, 3.50 etc) ,I gave up asking the bank along time ago to refund the charges they just were not helpful at all.

 

But they are not going to beat me this time,having seen all the responses from you all and the support you all give to each other.

 

I never thought I would be doing this but I am sending the 1st letter on Monday ,recorded delivery, to Charles Bacon,I may need some help later on as I would not like it get to court,but I am prepared for it, I will keep you updated as what happens and what replies if any I get,wish me luck.

 

Thanks to everyone, Jools

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Good luck.

 

It's my belief that you won't need luck - just 'justice'.

 

You're doing the right thing - you've read around and understood what and how it all happens.

 

I doubt it will come to court, but if it does, have you joined the buddy system?

 

http://www.consumeractiongroup.co.uk/regbuddy.php

 

 

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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  • 2 weeks later...

Update: I have today received a reply from my prelim letter stating unable to refund charges,the 14 days is not up until Monday,I guess I can send LBA now.

It sounds like this is pretty standard.

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  • 2 weeks later...

Hi all :confused:

 

Just have a question,and i am sorry if its been answered before but I cant find it.

 

I see that NW are now closing most of the accounts that are making a claim,this does not worry me,but are they also adding an adverse remark on your credit file,our is improving and I dont want to go backwards if I can help it,its taken us 6 yrs to get back on track.

 

Has anyone had there account closed that does not have a OD?

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hi sunnyjools, i have sent my lba [7 days ago] & they havent threatened closure yet but have defaulted me! i have no official overdraft but am overdrawn solely because of their charges. i think i am right in saying they have to remove this when action is settled? some one will put me right on this i'm sure?

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It sounds like we are at the same stage ,I should get a reply from LBA letter this week.

 

We have never had an OD with nationwide, they would never give us one,most of our charges go back a few yrs ago,so it will be good to get our own back

 

It seems to have gone very quite from nationwide,maybe they have settled with conditions,we live in hope.

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ditto, they wouldnt give me an overdraft either! my account goes back 5 yrs to when i split up fron ex. they have never given me an inch. i notice some people on here are getting refunds straight into their accounts after being told they werent getting anything back! fingers crossed it happens to us eh? regards Diane

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No nothing.been waiting patiently,postman been and gone, online banking nothing,oh the waiting!!!!!!!they still have until monday.

I have been following peterbeale with interest,he seems 1 step ahead.

I really want to be ready when I send my claim.I was going to send claim to Head Office but now see that it should be sent to my local branch,although all my other letters have been sent to Charles Bacon/Head Office.

Also as I had all my bank statements for 6 yrs I didn't send a DPA letter,will this make a difference if it goes to court,or should I do it now?

 

 

I am living and breathing this site at the moment,its totally taken over my life.

signed off at 12pm back on at 8am how sad is that,really must go and get some work done today before hubby sacks me. jools :)

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hiya, i think its best if you get your Data Protection Act in case it goes to court. although i am not absolutely sure on that one! cant hurt can it? i know what you mean i am addicted to this site now! used to be ebay but i cant afford anymore off there lol! keep us posted

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hey jools, anything? ive heard nothing, you done your online claim yet? i having a few probs with accessing spreadsheet so i have read around here and i think the 8% interest i'm owed something like £62.92 or is it (yippee if it is) £629.29? i had the first charge 5 yrs ago and i am claiming £1567.37 does this sound right to you? Diane:confused:

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Hi Diane

I am just doing the finishing touches to moneyclaim, having a problem fitting in all the details in the particulars of claim bit.have you managed to access the spreadsheet yet? my interest comes to almost 300,unless your charges are recent,I would have thought your interest was more than 62.92,if you can access the spreadsheet it is really easy.(I hope someone doesn't come back at me and say its wrong)

example:Amount Date Incurred Days since offence Interest 8% APR

£50.00 20/07/2000 2148 £23.63

£30.00 26/03/2006 73 £0.48

hope this helps

 

heard nothing again today so not expecting to now as soon as moneyclaim is ready I will send, this is the first chance i have had today to look at it again,could be a long night. jools

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hi jools, no still cant do it! its all gobbledygook to me, i know nothing at all about spreadsheets. i dont think i'll bother with the interest, its too much like hard work for me. i hate to think they are getting away with it though, makes me MAD!

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have you got excel,if you have you may just need to close then open again.

 

You can also do the on-line interest calculator,first go to the bank action page and you will find it there. cant go wrong with that.

 

are you ready to send your moneyclaim off yet? jools

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nearly ready but just checked my co-op a/c and i'm a bit short this week! lol what am i saying i'm short every week!!! thanks for help, i at work so i'll see if i can access it from here. good luck with your claim btw. go get 'em girl

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Had a reply today from a Helen Savage (member relations manager) which had been fowarded from sarah watson saying she has only just received my letter (LBA) 14 days was up on tuesday now sat,saying they have 8 wks to reply,I am going ahead with moneyclaim on monday.Is this a standard letter.? I think so just checking.

jools

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