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    • They won't have offered you a course when they sent the NIP because they don't know who was driving until you tell them.   If you are eligible for a course they will almost certainly offer it - irrespective of whether you've refused one in the past.  If they do offer you a course, I think you'd be daft not to accept it.  (I understand many drivers refuse because they think they'll be treated like naughty schoolkids, but apparently it's not like that and most people find them very useful and learn something new.)
    • Thanks. Sound advice again. I will tread carefully.    I have checked the first correspondence that they sent to me and there is no sign of an offer of a speed awareness course, I do remember being offered one a good few years ago but did not take that up at the time. That may be the reason for it not being offered again.     Looks like my only option now is to shut up and pay up.    Thanks for your input which is much appreeciated.    
    • Just about and card or loan clamform thread here You agree to mediation until the actual call on the day If by then you still dont have enough info to make an informed decision..you say no.   3 copies n180.  1 wit you
    • Think they would be silly to appeal as a more forensic look at VCS MO and shenanigans could turn round and bite Simon on the bum.
    • Experts are saying that the PM's roadmap is more about dates than data, the opposite of what he claims. He could be making a rod for his own back again.   https://www.theguardian.com/politics/2021/feb/26/experts-criticise-boris-johnson-putting-dates-covid-roadmap?CMP=share_btn_tw
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Telwest v A&L ** WON **


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edited

Telewest v RBS

[url]http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/61214-telewest-rbs.html[/url]

Telewest v A&L

[url]http://www.consumeractiongroup.co.uk/forum/alliance-leicester/61215-telwest-l.html[/url]

Telewest v Halifax

[url]http://www.consumeractiongroup.co.uk/forum/halifax-bank/63775-telewest-halifax.html[/url]

 

If I've helped - hit the scales and rate me!

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Hiya

 

If you know how much you have been charged and have all the relevant dates then there is no need to request a S.A.R and you can send your preliminary letter off straight away.

 

Sorry, I can't help with the other issue, but I'm sure someone that can will be along soon!

 

Good luck.

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

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Hi, This is the best place to post your initial letters: Customer Contact Centre, Alliance & Leicester, Bootle, Merseyside, GIR 0AA - send them recorded or special delivery so they can't deny receiving them!!!

When you get to claim stage you need to use a different address on moneyclaim online: Alliance & Leicester PLC, Carlton Park, Narborough, Leicester, Leicestershire, LE19 0AL

Good luck - it really works!

Sazzle v A&L!!!

Request for repayment sent to A&L for £463 - 14/07

Standard reply received - 18/07

Letter before action sent - 21/07

Received my small claims pack so here we go - 17/08

Claim agianst A&L started - 21/08/06

Response received saying they will defend - 30/08/06

SETTLED IN FULL £548.48 - 06/09/06 :D

 

Sazzle v Halifax!!!

Request for statements sent to Halifax with £10 cheque - 14/07

Letter received requesting more info - 05/08

Letter sent with info required - 09/08

Letter received saying statements on way - 11/08

Big pile of statements arrived - 17/08

Request for repayment sent to Halifax for £442 - 17/08

Letter received saying they will reply within 4 weeks - 21/08/06

Letter received offering £236 as final settlement - 15/09/06 (I don't think so!!!)

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1. if you have details of your charges thats all you need

2. Yes they will close your account after a successful claim

3 Send prelim to the address given above.

 

Hope this helps

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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Hi, Telewest.

If you are worried about them closing your account, I would urge caution before taking any hasty action.

You have time on your side - there is no deadline for claiming in this instance, as you have only had the account for 10 months.

Why not open an account somewhere else first, and move your overdraft in safety? Then you can close the A&L account without hassle before claiming back your charges from them. You are going to need a parachute account anyway.

Although this means you may have to wait a bit longer to see your money, you will not have the worry of defaults hanging over your head.

Luck, dude. :cool:

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edited

Telewest v RBS

[url]http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/61214-telewest-rbs.html[/url]

Telewest v A&L

[url]http://www.consumeractiongroup.co.uk/forum/alliance-leicester/61215-telwest-l.html[/url]

Telewest v Halifax

[url]http://www.consumeractiongroup.co.uk/forum/halifax-bank/63775-telewest-halifax.html[/url]

 

If I've helped - hit the scales and rate me!

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Not 100% on this but i don't think they can default you for claiming your money back. I'm sure someone will correct me if i'm wrong....

:cool: Lily :cool:

 

 

Alliance & Leicester;

LBA 22nd July 2006

Reply 31st July

MCOL 6/8/06

PAID IN FULL 25th August 2006.....

DONATION HAPPILY GIVEN.......

 

If you are happy with my help please click on the scales at the side of this message

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edited.

Telewest v RBS

[url]http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/61214-telewest-rbs.html[/url]

Telewest v A&L

[url]http://www.consumeractiongroup.co.uk/forum/alliance-leicester/61215-telwest-l.html[/url]

Telewest v Halifax

[url]http://www.consumeractiongroup.co.uk/forum/halifax-bank/63775-telewest-halifax.html[/url]

 

If I've helped - hit the scales and rate me!

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oh i see, i think they would want it all paid back in their given time. Its very unlikely that if you have given them time limits (like 14days before you go to moneyclaim for example) that they would give you more time.

:cool: Lily :cool:

 

 

Alliance & Leicester;

LBA 22nd July 2006

Reply 31st July

MCOL 6/8/06

PAID IN FULL 25th August 2006.....

DONATION HAPPILY GIVEN.......

 

If you are happy with my help please click on the scales at the side of this message

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  • 4 months later...

edited

Telewest v RBS

[url]http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/61214-telewest-rbs.html[/url]

Telewest v A&L

[url]http://www.consumeractiongroup.co.uk/forum/alliance-leicester/61215-telwest-l.html[/url]

Telewest v Halifax

[url]http://www.consumeractiongroup.co.uk/forum/halifax-bank/63775-telewest-halifax.html[/url]

 

If I've helped - hit the scales and rate me!

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  • 3 weeks later...

edited

Telewest v RBS

[url]http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/61214-telewest-rbs.html[/url]

Telewest v A&L

[url]http://www.consumeractiongroup.co.uk/forum/alliance-leicester/61215-telwest-l.html[/url]

Telewest v Halifax

[url]http://www.consumeractiongroup.co.uk/forum/halifax-bank/63775-telewest-halifax.html[/url]

 

If I've helped - hit the scales and rate me!

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  • 3 weeks later...

3 day response to Prelim - nothing offered. Same resonse to LBA.

 

MCOL filed 25/2

 

Edit - further charge due to be applied 15th March - can I add this to the existing claim at MCOL stage? I've already sent a schedule of charges to the court, would I have to resend schedules of charges to court & A&L as well as amending my MCOL claim?

 

Possibly easier to win the case, then call the litigation dept and ask for this one charge to be removed before I file another complaint ??

Telewest v RBS

[url]http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/61214-telewest-rbs.html[/url]

Telewest v A&L

[url]http://www.consumeractiongroup.co.uk/forum/alliance-leicester/61215-telwest-l.html[/url]

Telewest v Halifax

[url]http://www.consumeractiongroup.co.uk/forum/halifax-bank/63775-telewest-halifax.html[/url]

 

If I've helped - hit the scales and rate me!

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Hi telewest, apparently there is a £35 fee to add further charges to the claim once it has entered the court system - this is not refundable/reclaimable as costs, so you would lose it.

I've seen one or two threads where people have sent the prelim letter again when they've had more bank charges imposed after winning their 1st claim, (or while waiting for a settlement), and A&L have refunded straightaway. So this is probably the best way to go - even if you had to go all the way to court again you know the procedure so should have no fears. :cool:

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  • 2 weeks later...

Hi

 

Already at MCOL stage (defense filed) with A&L - for some reason they decided to send my SAR data twice - two pertinent sections caught my eye in the manual intervention data - one amusing the other shocking

 

Amusing:

 

Verbatim quote of a filenote left on my account after a lengthy call

 

Very unhappy AH (account holder), threatening litigations and allsorts (sic), although I stated manager would not speak to AH about correct charges he came out with loads of stuff which I could not understand hense the reason I passed as a callback as AH to (sic) persistent and asked to hold whilst I found a manager, AH not willing to follow our complaints procedure and wants our in house litigation team address so he can file a small claim and go to court

 

Shocking:

 

An entry in the manual intervention section:

 

1 March 07 - courtpapersreceived.7QZxxx82 (court claim ref). chq ordered for £xxx

 

Funny that's exactly the same amount of my claim they've raised a cheque for! Yet they have responded to MCOL to defend - is this not evidence that we already knew they are wasting and abusing the legal system - why clog the courts when this proves they have every intention of settling in full !

 

Also a brief question....

 

Of course no bank wants to get to court and have to defend, hence settling out of court - if you really dont want to have your account closed couldn't you make it one of your settlement conditions and not accept full and final without it ? Puts the bank on the backfoot (especially the ever-recently A&L who have adopted a strict offense is a best defense tactic) - doubt they;d quibble over the account staying open if it meant they'd have to defend in court - or am I missing something ?

 

Comments welcome!! :-D

Telewest v RBS

[url]http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/61214-telewest-rbs.html[/url]

Telewest v A&L

[url]http://www.consumeractiongroup.co.uk/forum/alliance-leicester/61215-telwest-l.html[/url]

Telewest v Halifax

[url]http://www.consumeractiongroup.co.uk/forum/halifax-bank/63775-telewest-halifax.html[/url]

 

If I've helped - hit the scales and rate me!

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Re the raised cheque.

Theyre in a catch 22 situation. They'll only pay out when they're taken to court, but they don't want to go into court, so they have to settle out of it.

It is an abuse of the system, but they do it because they can (although the courts will get wise to them one day no doubt), and because it saves them money in the long run - for every one claimant who starts court proceedings, several will have dropped out along the way.

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Any thoughts on the declining of final settlement unless they confirm in writing they will keep the account open?

 

They'll do anything not to go to court, surely they'd agree to this demand if it meant settlement prior to a hearing?

Telewest v RBS

[url]http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/61214-telewest-rbs.html[/url]

Telewest v A&L

[url]http://www.consumeractiongroup.co.uk/forum/alliance-leicester/61215-telwest-l.html[/url]

Telewest v Halifax

[url]http://www.consumeractiongroup.co.uk/forum/halifax-bank/63775-telewest-halifax.html[/url]

 

If I've helped - hit the scales and rate me!

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  • 5 weeks later...

Informed by PM this claim is now settled

 

CONGRATULATIONS

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M 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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