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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • notodebt
      SJP letter from courts - Car tax fine

      By notodebt · Posted

      I disagree with the charge and also the statements sent. Firstly I have not received any correspondence from DVLA especially a statutory notice dated 2/5/2024 or a notice 16/5/2024 voiding my licence if I had I would have responded within this timeframe. The only letter received was the single justice procedure notice dated the 29.5.2024 this was received on 4.6.2024. I also disagree with the statement that tax was dishonoured through invalid indemnity claim. I disagree that the licence be voided I purchased the vehicle in Jan 2024 from RDA car sales Pontefract with agreement to collect the car on the 28.1.2024. The garage taxed the vehicle on the 25.1.24 for eleven payments on direct debit  using my debit card on my behalf. £62.18 was the initial payment on 8.2.24  and £31 per month thereafter the second payment was 1.3.24.This would run from Jan 24 to Dec 24 and a total of £372.75, therefore the car was clearly taxed before  I took the car away After checking one of my vehicle apps  I could see the vehicle was showing as untaxed it later transpired that DVLA had cancelled my tax , without reason and I did not receive any correspondence from DVLA to state why it was cancelled or when. The original payment of £62.18 had gone through and verified by my bank Lloyds so this payment was not declined. I then set up the direct debit again straight away at my local post office branch on 15.2.2024 the first payment was £31 on 1.3.2024 and subsequent payments up to Feb 2025 with a total of £372.75 which was the same total as the original DD that was set up in Jan, Therefore I claimed the £62.18 back from my bank as an indemnity claim as this payment was from the original cancelled tax from DVLA and had been cancelled . I have checked my bank account at Lloyds and every payment since Jan 24  up to date has been taken with none rejected as follows: 8.2.24 - £62.15 1.3.24 - £31.09 2.4.24 - £31.06 1.5.24 - £31.06 3.6.23-£31.06 I have paper copies of the original DD set up conformation plus a breakdown of payments per month , and a paper copy of the second DD setup with breakdown of payments plus a receipt from the post office.I can also provide bank statements showing each payment to DVLA I also ask that my licence be reinstated due to the above  
    • tobyjugg2
      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

      By tobyjugg2 · Posted

      You know hes had it when they call out those willing to say anything even claiming tories have reduced taxes on live tv AS Salmonella says: The Conservative Party must embrace Nigel Farage to “unite the right”, Suella Braverman has urged, following a disastrous few days for Rishi Sunak. The former home secretary told The Times there was “not much difference” between the new Reform UK leader’s policies and those of the Tories, as senior Conservatives start debating the future of the party. hers.   AND Goves replacement gets caught booking in an airbnb to claim he lives locally .. as of yesterday you can rent it yourself in late July - as he'll either be gone or claiming taxpayer funded expenses for a house Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - So whens farage getting around to renting (and subletting) a clacton beach hut?   Gove’s replacement caught out on constituency house claim as home found on Airbnb WWW.INDEPENDENT.CO.UK Social media users quickly pointed out house Ed McGuinness had posted photos in was available to rent     As Douglas Ross says he'll stand down in scotland - if he wins a Westminster seat - such devotion.
    • notodebt
      SJP letter from courts - Car tax fine

      By notodebt · Posted

      I've completed a draft copy to defend and will post up here for review.  Looking over the dates and payments this all stemmed from DVLA cancelling in Feb , whereby I set up a new DD in Feb hence the overlap, why they cancelled when I paid originally in Jan I have no idea. Anyway now stuck with pending court action and a suspended licence . I am also firing off a letter to DVLa recorded disputing the licence revoke
    • Passerby0233
      MET ANPR PCN - NtK - BP Blue Boys Tonbridge - Burger King Car Park NOT BP car park.

      By Passerby0233 · Posted

      Thank you both for your expert knowledge and understanding. You're fighting the good fight by standing up for people like me and others with limited knowledge of this stuff. I thank you. I know all my DVLA details are good. I recently (last year) renewed my license, and my car's V5 is current with the correct details; the same is valid for my partner. I'll continue to ignore the love letters 😂 and won't let it bother either me or my partner.  I'll revisit this post if/when I get a letter of claim.  F**k ém.
    • BankFodder
      Lost items sent through Parcel2Go and EVRi

      By BankFodder · Posted

      Please check back later on today for a fuller response and some edits

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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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.

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      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

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Robbo9

By Robbo9
in Lloyds Bank

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Robbo9

Robbo9

Posted
Posted

I've now got all my statements and I've calculated the charges using a spread sheet I found in the library on this site! This spread sheet calculates interest at 8% but a friend who I recomended this site to has found another spread sheet which states that you only claim the 8% if you go to court! Can anyone advise which is correct?

 

I cant wait to send in my spread sheet but there appears to be lots of different advice as to where to send it in to. I sent my origional letter to my Lloyds TSB branch and I received my statements from Swallow House in Birmingham. Any ideas :-?

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Ihatebanks

Ihatebanks

Posted
Posted

You can only claim the 8% when you issue proceedings just send the bank a breakdown of the charges date reason amount you add the 8% when you do moneyclaim or on your N1

 

You can send info back to your branch no doubt they will forward it to birmingham

Lloyds TSB - N1 claim issued 18/07/06 - £3440 Offered unconditional settlement 23/08/06

Vodafone-Information Commisioner assessment -default removal -25/07/06

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stacey

stacey

Posted
Posted

Hi

 

I was unsure as to how to write out the statements of charges, I ended up filling in the spreadsheet and then removed the last 2 columns that add the 8% interest on.

 

hope this helps

 

Stacey

19.7.06 - Statements Received

22.7.06 - Prelims Sent (Recorded Delivery)

24.7.06 - Prelims Received by Halifax

02.8.06 - Standard Customer Complaint Letter Received

05.8.06 - LBA Sent (Recorded Delivery)

09.8.06 - LBA Received By Halifax

19.8.06 - 10% goodwill offer received

19.8.06 - 100% goodwill offer for small claim

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  • 2 months later...
Robbo9

Robbo9

Posted
  • Author
Posted

I've been unsuccesful with my on line claim (on the last day) and I've now received a defence to the claim at my local court. Should I proceed???

 

I wouldnt care I messed up my claim in the first place cos I was claiming £299 + the 8% but I didnt add the 8% to my total, not realising until I'd submitted the claim.

 

Anyway their defance has 9 points and seems to go on forever, even onto a seperate sheet. I cant list it all here but they say that when I opened the account I knwe that there would be charges and if I'd stayed in credit etc.,

 

I'm woried now that I'm going to be the first person to fail and end up owing them money that I cant afford to pay!

 

Can anyone advise please?:o

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livelylad

livelylad

Posted
Posted
I've been unsuccesful with my on line claim (on the last day) and I've now received a defence to the claim at my local court. Should I proceed???

 

I wouldnt care I messed up my claim in the first place cos I was claiming £299 + the 8% but I didnt add the 8% to my total, not realising until I'd submitted the claim.

 

Anyway their defance has 9 points and seems to go on forever, even onto a seperate sheet. I cant list it all here but they say that when I opened the account I knwe that there would be charges and if I'd stayed in credit etc.,

 

I'm woried now that I'm going to be the first person to fail and end up owing them money that I cant afford to pay!

 

Can anyone advise please?:o

 

Hi dont panic which bank is it. Just read the threads and faqs they will help you, a defence on the last day is the norm if you are dealing with Natwest or RBS and cobbetts

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lucid

lucid

Posted
Posted

Don't worry. It's completely standard that Lloyds have entered a defence and from what I've seen it's always a long defence. Check out some of the threads in the successes forum to reassure yourself that this has happened before and so you know what to expect next.

 

Don't let them panic you though. If you spend some time getting familiar with the next stages of the process then they won't be able to put you off with their next actions.

 

Good luck. Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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reload

reload

Posted
Posted

Hi Robbo,

 

Obviously, without seeing the defense in full I can't say for certain - however, it seems that Lloyds have filed the exact same defense that they have for every other claim filed against them. It also sounds as though you've received the same letters and mis-information from them that everyone else has.

 

I suggest you read around various threads in the Lloyds forum. In particular, you should look at the threads in the "Lloyds Successes" forum, as these will more likely than not contain identical copies of the above info.

 

In short, carry on. You will have received an Allocation Questionnaire from the courts along with a copy of Lloyd's defense - you should sign and return this, especially seeing as there is no extra fee to pay for your AQ due to the low amount you're claiming. Additionally, assuming your claim is allocated to the Small Claims track, you will not be liable for their expenses in the remote possibility that you do get sat in front of a judge and do lose.

 

Remember: This is your money they have taken unlawfully. Not quite the same principle, but if your next door neighbour walked into your house and stole your wallet - all on video tape - would you let him get away with it?

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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livelylad

livelylad

Posted
Posted
Thanks fot the quick reply. Its Lloyds TSB. So you think its worth taking them on?

 

YES they have taken your money from you. All you need to do is read the faqs and Lloyds threads. They will pay the full amount in the end. All they are trying to do is scare you. They are hoping that you will capitulate chack out the returned charges survey see how much the have paid out already. Any probs pm me.:D

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reload

reload

Posted
Posted

It means send a private message Robbo - click on a user's name and then select 'send a private message' :)

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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lucid

lucid

Posted
Posted

It stands for Private Message. Click on the username and select send a private message. You can then send a message to that user that only they will be able to see.

 

Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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livelylad

livelylad

Posted
Posted
Guys is can I add the interest that I foolishly missed off now or is it too late for that?

 

Should I contact them and suggest that?

 

You can write to the court and inform them you have made a mistake and ask them to change the amount claimed, however how much is the interest? if it is very small i would consider not bothering.

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lucid

lucid

Posted
Posted

Definitely worth bothering about then.;) I'd follow livelylad's advice and write off asking the Court to amend it. I'm sure it won't be a problem.

 

Good luck. Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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Robbo9

Robbo9

Posted
  • Author
Posted

Thanks lucid. I've just read one of the success stories from LTSB and he got a letter from their solicitors a few days after their defence letter offering full settlement. I guess there is hope yoe but I guess it cant do any harm to write in about the intyerest

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