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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • 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
  • 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
      • 161 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
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smith v's Cahoot


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I have now taken them on, having been a cahoot customer since they commenced business. Charges over 6 years with both current account and credit card account amounting to £2033. I recieved the standard fob-off letter, started legal action and they have filed an acknowledgement of service, which gives them until the 21st May to enter a defence. I am determined and will see it through. What can I expect to happen next?

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HI SMITH,

 

In my case (hanson v cahoot), they sent in a defence, which wasn't really too scary. They then offered me half the claim in the hope that I would settle, which I rejected, saying that I would be preapred to go to court. They then capitulated, saying that the claim amount (£833 in my case) was not enough to warrant them going to court.

 

I am not sure if they will deem your higher claim justification to turn up to court, though, from what I have read on these pages, it seems doubtful. Hang in there and see what happens.

 

Best of luck!

Dave

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  • 2 weeks later...

They sent a lame defence, and offered me 50% to settle.

 

I have just emailed them a reply

 

--------------------

 

Thank you for your letter dated 17th May

 

 

I have carefully considered the contents of your letter on behalf of Abbey National plc. and have come to the conclusion that I must reject your offer of £1285.00 in full and final settlement. For your client to wish to retain 50% of a sum of money taken from my account, in effect 'my money' is wholly unacceptable. However, in light of the exceptional customer service that cahoot have offered me in the past, I would like to make an offer, without prejudice, for settlement of the case. I will accept the sum of £2330, as calculated by your client, plus £120 court fees. I am willing as a gesture of goodwill to waive the interest, which as you well know I am and will be fully entiled to should the case go before a judge. In addition I require an assurance that my acounts with Abbey National plc, trading as cahoot will not be closed.

 

Should your client decline this very reasonable offer, I will be filling in and returning the Allocation Questionnaire as soon as I receive it and have absolutely no qualms about taking the matter to Court for a judge to decide the outcome. For your information, I will not be seeking a 1 month postponement of further action so we may have more time to reach settlement.

 

You ask that I 'consider that it cannot be correct that our client cannot charge anything at all'. My case is based on the fact under law that the charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. Further, as a disproportionate penalty they are invalid under the Unfair (Contracts) Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999. Para.8 and sch.2(1)(e). In the event that the charges are not a penalty then they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15.

 

Should cahoot decide to bring their charges into line with OFT recommendations it would be welcomed. However I am not aware that cahoot have in fact published an amended menu of charges to reflect your view that they should at least charge something?

 

It would be interesting, for my information, if you could provide a true indication of Abbey's administrative expenses incurred as a result of me going over my overdraft limit. I realise an organisation of Abbey's standing would have analysed such costs and would appreciate it if you could furnish me with the details. As it stands this morning they still enforce penalties of up to £35 from their customers for the slightest 'transgression'. Given the automated nature of modern banking I'm sure you agree with the OFT that such sums are wholly unacceptable? Forgive me, I am sure that you are fully versed in this matter and you must understand the reluctance of banks to make a defence in court.

 

Given that this case does not set a legal precedent, the fact that I have offered your client a swift and painless means of avoiding the expense and embarassment of a court case, and the fact that I am waiving my claim to interest, I expect an answer by the close of business on Friday 19th May 2006.

 

Yours faithfully,

 

David Smith

 

---------------------

 

Let's see what happens???? Onwards and upwards!

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I WON!!!

 

They have agreed to pay me £2330! Which I'm more than happy with.

 

Thanks for all the advice on the website and from other forum users.

 

Keep at them people!!

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I WON!!!

 

They have agreed to pay me £2330! Which I'm more than happy with.

 

Thanks for all the advice on the website and from other forum users.

 

Keep at them people!!

 

Congrats :lol:

 

 

Make sure you complete the survey... http://www.consumeractiongroup.co.uk/survey.php

If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.:D

 

DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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Congratulations!!

It may seem then, that if you are prepared to waiver the interest on court claims they might, just might consider paying up. Is this another feather in CAG's cap if this is this case? It is at least an option to consider, if you are willing to forfeit the interest.

Abbey - Prelim sent 17th May £2560.00 + £191.44

LBA sent 1st June

Claim Filed 27th June 3349.90 Inc Interest + Costs

Court Papers Served 3rd July

Claim Acknowledged 10th July

50% Offered 27th July

Settled Out Of Court 1st August £3080.45

Capital One - S.A.R - (Subject Access Request) request 31st July

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Congratulations!!

It may seem then, that if you are prepared to waiver the interest on court claims they might, just might consider paying up. Is this another feather in CAG's cap if this is this case? It is at least an option to consider, if you are willing to forfeit the interest.

 

I don't know what would have happened if I'd kept pursuing it but £2330 that I didn't have yesterday was good enough for me. Good luck.

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Congratulations!!

It may seem then, that if you are prepared to waiver the interest on court claims they might, just might consider paying up. Is this another feather in CAG's cap if this is this case? It is at least an option to consider, if you are willing to forfeit the interest.

 

However if you hold out for the interest due they will (IMO) pay that out too... If they didn't want to have to pay the interest they should have settled before you were forced into taking them to court to make them listen to you...

 

Obviously this does come with a slight risk that they will take it all the way to court, but I can't imagine that once they have made an offer of the full amount that they won't finally cave on the interest too...

If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.:D

 

DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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Apologies dsfit if I've cast any shadows on your success...

If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.:D

 

DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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  • 12 years later...

This topic was closed on 10 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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