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    • 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
    • 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
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Can someone explain in laymans terms.....


paul
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Hi Paul

 

Read around the forum and you will find lots of information. Many of your initial questions may be answered in the FAQs but these are very new and are still under development.

 

Here is a partial explanation:-

 

You have a contract with the bank.

One of the terms is that you agree to conduct your account within the limits set by the bank.

Those limits are that you will not go overdrawn or exceed your overdraft limit.

That you will not issue cheques for money which is not in your account.

Same for direct debits.

You agree that if you do transgress, that the bank will charge you for allowing you a direct debit or for bouncing your DDs etc.

The Babk says that they will decide the charges and let you know from time to time as they increase them.

 

 

However, included in the contract are other terms which are not written and which you have not specifically agreed to.

These terms are called "implied terms". They are implied by the Law. The Bank is obliged by law to give you the benefit of those implied terms.

 

In other words the law is protecting you - the weaker party in a contract with a very large dominant partner. One of the implied terms is that penalty charges may not be more than the actual loss caused by your trangression.

The cost of bouncing a direct debit and sending you a letter is only a few pence. That is the loss suffered by the bank. They are pemitted by law to recoup that loss from you. They are not permitted to make profits out of penalties.

This measn that when the bank charges you £35 they are making a huge profit. The charge is unlawful and the law will permit you to recover the money.

 

The laws which I have referred to are more than 100 years old and they have been strengthened by modern consumer laws passed by Parliament.

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Read through the posts and you will find the stories of people's reactions to their bank charges and the steps which they have taken so far.

 

This is a new forum and so the stories are still developing.

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Hi,

 

its just I cant find any examples of anyone being successful??

 

Its just that here http://www.network54.com/Forum/100558/thread/1137646503/last-1137741202/Excessive+overdraft+fees+-+you+can+get+them+back%21 you said "Every one gets their money back. The Banks always settle" so there must be examples?

 

thanks

 

Paul

Paul

 

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  • 2 months later...

The links have stopped working because we changed host twice.

The links referred to calis in the litigation section which were successfully concluded.

You can visit this section now and you will see that there are many more concluded now.

I think that there are about 70 cases in progress and about 18 which have been settled.

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  • 12 years later...

This topic was closed on 03/05/19.

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 their.

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

Paul

 

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