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    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
    • Hmm, that's strange how they got my email then.  I assume the below is ok to send to DCBL, Nicky?  Hello, I am writing regarding our ongoing dispute and the upcoming court claim reference xxxxxxxx. To ensure fairness and transparency in our communications leading up to the court hearing, I request that you use postal mail exclusively for all further correspondence related to this claim. Please refrain from sending any communication or documents via email. Thank you for your understanding and cooperation. If you have any questions or need clarification, please feel free to contact me via postal mail at the address provided above. Yours sincerely, xxxx
    • In the SAR, I received the original application, lots of computer print outs, yearly statements from 2013 and the new emails regarding my complaint. They sent me a £50 cheque after I chased them for the SAR after the 30 days. They said they was waiting for me to respond to an email (which I never received) before sending the SAR
    • classic P2G. I'm sure dianne and Lesley will pop an email to you at some point.
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    • 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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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
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Nikki vs CitiCards


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Hi everyone,

 

Just started on the long and winding journey to reclaim charges back from CitiCards. Having read a lot of posts about them, I am absolutely shocked at some of the responses and tactics from Citi!!

 

I think I hesitated for ... ooh... about half a second!

 

I am in the middle of a claim with HSBC and although, of course, they're not 'laying down' at the first (or second) hurdles, at least they're responses are polite/professional!

 

I sent my S.A.R - (Subject Access Request) letter off on the 19th Jan and, like most, received the request from the fill in. Have sent that off today, and will await info.

 

I will keep this updated and read all your posts with interest. Good louck to all out there doing the same!

 

Nikki.

Halifax Card: Claim served 30th Mar - they met 2nd AQ deadline - waiting for Directions/Court Date

Monument Card: Claim served 30th Mar - Directions taken - 14 + 14 day deadline 18th June - settlement signed & waiting for cheque

CitiCards: Claim served 6th April - Defendant's docs (only) to be received by 25th June - case back to Judge 2nd July

A+L (SETTLED IN FULL): Prelim sent 16th April - Claim settled 4th June (on the defence deadline)

Debenhams Store Card (SETTLED IN FULL): Prelim sent 17th Feb - Claim settled on 14th Mar (3 days before LBA deadline)

MINT Card (SETTLED IN FULL): Prelim sent 8th Feb - claim settled 14th Apr (1 day after defence deadline)

HSBC (SETTLED FOR 8% INTEREST): Prelim sent 15th Jan - claim settled 18th May (after AQ deadline)

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If you need any help, there are lots of people here willing to help.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Thanks Enron.

 

I have just a quick question!

 

In the guidance notes that came with the form, they state that the 40 days starts from the latest of the following:

 

- Your payment clearing

- On receipt of the form

- On receipt of any further information required

 

Is this right?? I thought it started from the date or receipt of the original request?

 

Do they usually send within the timescale or does everyone have to chase them continuously?!

 

Thanks for your help in advance,

Nikki

Halifax Card: Claim served 30th Mar - they met 2nd AQ deadline - waiting for Directions/Court Date

Monument Card: Claim served 30th Mar - Directions taken - 14 + 14 day deadline 18th June - settlement signed & waiting for cheque

CitiCards: Claim served 6th April - Defendant's docs (only) to be received by 25th June - case back to Judge 2nd July

A+L (SETTLED IN FULL): Prelim sent 16th April - Claim settled 4th June (on the defence deadline)

Debenhams Store Card (SETTLED IN FULL): Prelim sent 17th Feb - Claim settled on 14th Mar (3 days before LBA deadline)

MINT Card (SETTLED IN FULL): Prelim sent 8th Feb - claim settled 14th Apr (1 day after defence deadline)

HSBC (SETTLED FOR 8% INTEREST): Prelim sent 15th Jan - claim settled 18th May (after AQ deadline)

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Starts from the date on your letter when you send the SAR request and £10 payment in.

 

They will tell you otherwise but you dictate the timescale and not them.

 

Citi are renouned for delaying tactics at every stage. They will most likely have your name & address details on file which should be enough to confirm your identity.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Phew! Thanks for that. That's what I put in my letter...

 

I have done a lot of reading and have read so many posts about Citi being really awkward - well that's the polite way of putting it I suppose! Good job we all have this site, that's all I can say. I wouldn't have had the bottle to do this on my own! :o

 

Back in the days when I was drowning in debt I would never have dreamed I would be taking a bank to court!

 

Thanks for your help,

Nikki :)

Halifax Card: Claim served 30th Mar - they met 2nd AQ deadline - waiting for Directions/Court Date

Monument Card: Claim served 30th Mar - Directions taken - 14 + 14 day deadline 18th June - settlement signed & waiting for cheque

CitiCards: Claim served 6th April - Defendant's docs (only) to be received by 25th June - case back to Judge 2nd July

A+L (SETTLED IN FULL): Prelim sent 16th April - Claim settled 4th June (on the defence deadline)

Debenhams Store Card (SETTLED IN FULL): Prelim sent 17th Feb - Claim settled on 14th Mar (3 days before LBA deadline)

MINT Card (SETTLED IN FULL): Prelim sent 8th Feb - claim settled 14th Apr (1 day after defence deadline)

HSBC (SETTLED FOR 8% INTEREST): Prelim sent 15th Jan - claim settled 18th May (after AQ deadline)

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I'm pretty sure that Citi's legal department would be alot quieter without CAG, hence why they reference it alot and take printouts from it to court.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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  • 4 weeks later...

Haven't been on for a while so I thought I'd post an update! Well, Citi has a whole 5 days left to send me my statements (that's 3 working days Mr CitiBank!)

 

Seems like they're really dragging their heels! They cashed my cheque ages ago! Pity they can't be as fast with the statements! I will be ringing them first thing monday to see where they're at with them... getting my LBA and letter to FOS ready for the 28th.

 

Am I right in thinking they only get 7 days when your sending an LBA for data requests?

 

Have received and done letters to all other cards/banks - getting a little bored with waiting for Citi to get their act together!

 

Do many people get their statments late with these guys?

Halifax Card: Claim served 30th Mar - they met 2nd AQ deadline - waiting for Directions/Court Date

Monument Card: Claim served 30th Mar - Directions taken - 14 + 14 day deadline 18th June - settlement signed & waiting for cheque

CitiCards: Claim served 6th April - Defendant's docs (only) to be received by 25th June - case back to Judge 2nd July

A+L (SETTLED IN FULL): Prelim sent 16th April - Claim settled 4th June (on the defence deadline)

Debenhams Store Card (SETTLED IN FULL): Prelim sent 17th Feb - Claim settled on 14th Mar (3 days before LBA deadline)

MINT Card (SETTLED IN FULL): Prelim sent 8th Feb - claim settled 14th Apr (1 day after defence deadline)

HSBC (SETTLED FOR 8% INTEREST): Prelim sent 15th Jan - claim settled 18th May (after AQ deadline)

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  • 3 months later...

Hello again,

 

Quick update. Just received an amended order of directions from my DJ ordering Citi to serve to the court full details "to show each and every charge is reasonable and proportionate." Two-week deadline and only for the defendant's paperwork.

 

Now although of course they have the right to apply for a set aside, is this likely to be granted, as the directions actually came from the Judge himself, rather than my Draft Order.

 

Has anyone had the Directions granted and still had to appear in court?

 

Sadistically, I actually wouldn't mind, because this will probably end up being my last claim and it would be interesting to finish this all by actually having my day in court! I have been researching since the end of last year and feel comfortable enough with the arguments. Just want to be prepared for what may happen next...

 

For info I have gone for contractual interest. Any advice would be appreciated.

 

Nikki :)

Halifax Card: Claim served 30th Mar - they met 2nd AQ deadline - waiting for Directions/Court Date

Monument Card: Claim served 30th Mar - Directions taken - 14 + 14 day deadline 18th June - settlement signed & waiting for cheque

CitiCards: Claim served 6th April - Defendant's docs (only) to be received by 25th June - case back to Judge 2nd July

A+L (SETTLED IN FULL): Prelim sent 16th April - Claim settled 4th June (on the defence deadline)

Debenhams Store Card (SETTLED IN FULL): Prelim sent 17th Feb - Claim settled on 14th Mar (3 days before LBA deadline)

MINT Card (SETTLED IN FULL): Prelim sent 8th Feb - claim settled 14th Apr (1 day after defence deadline)

HSBC (SETTLED FOR 8% INTEREST): Prelim sent 15th Jan - claim settled 18th May (after AQ deadline)

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They can appeal against the order but cannot have it set aside like a judgement.

In all cases where disclosure has been ordered Citi have defaulted, but in my case they stil lsent a barrister to the final hearing where I appled for and got the defence struck out.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Hello again,

 

Quick update. Just received an amended order of directions from my DJ ordering Citi to serve to the court full details "to show each and every charge is reasonable and proportionate." Two-week deadline and only for the defendant's paperwork.

 

Now although of course they have the right to apply for a set aside, is this likely to be granted, as the directions actually came from the Judge himself, rather than my Draft Order.

 

Has anyone had the Directions granted and still had to appear in court?

 

Sadistically, I actually wouldn't mind, because this will probably end up being my last claim and it would be interesting to finish this all by actually having my day in court! I have been researching since the end of last year and feel comfortable enough with the arguments. Just want to be prepared for what may happen next...

 

For info I have gone for contractual interest. Any advice would be appreciated.

 

Nikki :)

Out of interest Nikki have you claimed statutory interest in the alternative to contractual - ie. if the court doesnt agree that contractual is appropriate then are you asking for statutory ?

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

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Thanks Gizmo - yes I though you could only set aside a judgement, but on the order they have the option to set aside, vary or stay within 7 days.

 

It's good news that they usually default on filing the documents though -we shall see what happens... they've got 14days. Just out of interest, was the need to apply for the defence struck out unique to your case, or will I have to do the same?

 

Stornoway - yes I went for the CI then 8% in the alternative - it's good to have a back up just in case!

 

Nikki.

Halifax Card: Claim served 30th Mar - they met 2nd AQ deadline - waiting for Directions/Court Date

Monument Card: Claim served 30th Mar - Directions taken - 14 + 14 day deadline 18th June - settlement signed & waiting for cheque

CitiCards: Claim served 6th April - Defendant's docs (only) to be received by 25th June - case back to Judge 2nd July

A+L (SETTLED IN FULL): Prelim sent 16th April - Claim settled 4th June (on the defence deadline)

Debenhams Store Card (SETTLED IN FULL): Prelim sent 17th Feb - Claim settled on 14th Mar (3 days before LBA deadline)

MINT Card (SETTLED IN FULL): Prelim sent 8th Feb - claim settled 14th Apr (1 day after defence deadline)

HSBC (SETTLED FOR 8% INTEREST): Prelim sent 15th Jan - claim settled 18th May (after AQ deadline)

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