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    • Yup, well so far they have lied to me about responding to a CCA,  are threatening me with a default notice that they don't have, produced a knocked up version of my NOA, sent me 29 pages of spew for an agreement. No wonder they pay 5 p in the pound for that crap.
    • Paragraph 2. I think there should be further down and also you should make the point that the payment to was made unilaterally and without the imposition of any conditions. Paragraph 3 – this is unnecessary because you are not claiming as an entitled third-party. This worries me because it makes me feel that you haven't fully read around because this is a paragraph which you would include where you were suing EVRi as a beneficial third party because you had actually made your contract with Packlink or some other broker. I think you need to revisit and do some more reading. I'm afraid I have a sense that you have simply copied this from somebody else's witness statement without understanding that it wasn't necessary. Please can you post the amended draft. Other than the suggestions above, it looks okay – but let's see it again for a further appraisal. In terms of the evidence, parties bundle, I think it might be an idea to start off with the correspondence with EVRi and then go onto the other evidence. You will have to amend the index page accordingly. You could shorten this bit. Take 19 is pretty well blank and you may as well miss it out also, there seems to be some repetition of emails and the email chain. I think will be worth going through and getting rid of duplicates if you can. 49 pages is a bit long and it would be a good idea to try and reduce the number. I have a feeling that 50 pages as the County Court limit anyway. The judge will be happier with you if the bundle is smaller. Maybe you could reduce the size of some of the images or messages et cetera. You have got several messages which straddle onto a second page so that things like sign off information and standard confidentiality information become orphans. A bit of manipulation and they could be joined to their parents I think. Page 31 as an example. So is page 19. You may only be up to shorten the whole thing by 56 pages – but I think it would be a good idea. 56 pages is, after all, 10%. If you can do more then so much the better
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    • Qantas agrees to pay millions to settle lawsuit accusing it of selling tickets to cancelled flights.View the full article
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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.

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      Many thanks 
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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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Claiming on a Business account? Lets join forces?


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I would suggest that you just write a new LBA stating something along the lines of "....having reconsidered my claim total, I am now submitting an amended Letter before action".

Then give them a further 14 days. A new prelim should be unnecessary, as this course should suffice as being seen to be reasonable enough.

Wait your 14 days, then submit your N1 with the new figure.

 

Usual proviso's about my laymans standing, so maybe get a couple of views if unsure.

 

i agree with PM if it helps any.

 

Its more or less what i did with my 1st abbey claim.

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Hi everone,

I currently run a couple of small busnesses which i am going to claim back charges, However it is an old limited company i want to ask about.

The company was run by my wife & i as a limited company, in 2002 we were in financial troubles ( i had been in hospital for operation) and decided to close the business as we had no money to pay the creditors etc and no work coming in to keep the factory & staff etc.

We approached our bank HSBC and told manager about this and our intention to start again ( fortunatley we didnt owe the bank much) just the 2 of us with a couple of staff and our small retail unit, the bank happily agreed to set up a new business account in our partnership names and closed the LTD company bank account, We effectivley ceased trading as a limited company but were never wound up or put into receivership as there was no equity to take out of the business to pay any creditors, and those debts were just left ( We did pay off some of them out of our pocket over next couple years so we could still trade with them ).

Can we claim back charges relating to the Ltd company, as a lot of the charges helped to take us into that position.

Any help would be appreciated

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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Too right you can, and should I did for my account on a business I closed down last year and recieved a cheque after LBA stage. Not a big cheque, I grant you (I think if it's a large amount they'll make you go further down the line to get your money), but don't be put off read as much as you can here before starting, this site has everything you need and a sense of humour!.

 

GOOD LUCK

 

BJ

 

:):):)

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Thanks BJ,

its just that i thought i had read somewhere that you couldnt claim on closed LTD company accounts, maybe that was if they had been wound up or something

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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Hi All,

 

We have been claiming on a Lloyds TSB business account and received an offer from SC&M to settle in full last Friday, woo-hoo! BUT, Lloyds TSB have made a mistake and as a result, they have withdrawn their offer for the time being, saying it should have been dealt with by another law firm as it is a business account, not personal. We have been told that our papers are being transferred to a company called 'Foot Anstey' who should receive them by Friday. We only noticed the problem when the offer letter said that our personal account would be credited. We didn't want to sign an acceptance letter with our personal account details on in case it jeopardised the claim we also have running regarding that account. I just wondered what you guys thought about this situation? Our Allocation Questionnaire and all previous correspondence clearly showed our business account number, we are mystified.

 

Many thanks in advance for your input,

 

Tina & Alan :)

Tina and Alan

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Hi All,

 

We have been claiming on a Lloyds TSB business account and received an offer from SC&M to settle in full last Friday, woo-hoo! BUT, Lloyds TSB have made a mistake and as a result, they have withdrawn their offer for the time being, saying it should have been dealt with by another law firm as it is a business account, not personal. We have been told that our papers are being transferred to a company called 'Foot Anstey' who should receive them by Friday. We only noticed the problem when the offer letter said that our personal account would be credited. We didn't want to sign an acceptance letter with our personal account details on in case it jeopardised the claim we also have running regarding that account. I just wondered what you guys thought about this situation? Our Allocation Questionnaire and all previous correspondence clearly showed our business account number, we are mystified.

 

Many thanks in advance for your input,

 

Tina & Alan :)

 

In my opinion.

Your action is against lloyds..... not SC&m or Foot and Mouth or whoever. If lloyds fail to folow through with their promise,then just continue with your course of action, its their bureacratic problem , not yours !!

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Hi All

 

I am just about to send a prelim letter to Barclays on our Ltd business account for £4351. I will start a thread in Barclays so you can all follow.

 

Has anyone claimed the compound interest (29.5%) on a business account ??? The compound interest on my claim would be £1400.

 

Regards

Danler

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Foot and Mouth I can't stop laughing.

 

I have been paid by HSBC for a closed business account. company not wound up voluntary cesation. Awaiting offer from Natwest Bus. Acc. on similar action. HSBC only for £240.00 but it's the principle that counts. Natwest have only declared they are looking into it and I'm/was just about to issue Court proceedings, when only yetserday I got two offers on personal NW Acc.'s out of the blue so I'm giving them a day or so grace to make me an offer on the Business Acc. it's (All have passed LBA stage).

 

SO.... Claim away. by teh way HSBC sent personal cheque to me as director.

 

Who knows!!!!

 

 

BJ

 

:):)

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Just recieved notification that my claim is deemed as served.

lloyds have until May 4th to file response.

 

BRING IT ON !!!!!:D

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Just recieved notification that my claim is deemed as served.

lloyds have until May 4th to file response.

 

 

BRING IT ON !!!!!:D

 

I cant understand what all the excitement is myself!!! ROFL.

 

I would like to be a fly on the wall when they deal with it though?

 

Good luck,

 

glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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BOUT TO SEND OFF MY dpa for my 2 business accounts and one private my companies r ltd will they send me my statements had bit of problem with my accountant and havent got my old statements. also gonna reclaim charges from my old business account at rbos been closed for over two years is it still possible and can any one give me some tips thanks

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Im sure Lloyds are delaying i sent the LBA letter nearly two weeks ago and have recieve the sorry your not happy letter .They have also sent it to Mr and iam Mrs do i just carry on to money claim or do i send another letter ?:confused:

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Im sure Lloyds are delaying i sent the LBA letter nearly two weeks ago and have recieve the sorry your not happy letter .They have also sent it to Mr and iam Mrs do i just carry on to money claim or do i send another letter ?:confused:

 

Of course they are stalling.

You have given them fair warning.

Proceed to Court claim stage.

Personally, I think N1 filed at a court is better than MCOL, as it allows for more details on your POC, so use that if you can ?

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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IM going to sound really silly now but what is a N1 and where on this site do i learn more about it .ive read and read different sections for weeks but never seem to get to the parrt i want.l

 

This gives you a comparison of the two methods, either using online (MCOL) or using a claim form at a court (N1).

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/919-moneyclaim-hardcopy-claim-compared.html

 

The templates you need are here.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

Better still, you can get a pack that gives you all the forms you need on CD to print out yourself.

http://www.consumeractiongroup.co.uk/forum/announcement.php?f=39&a=26

 

This is also a very good book to get, it tells you all you need to know, and gives you step by step instructions.

http://www.consumeractiongroup.co.uk/forum/announcement.php?f=39&a=35

 

You could also visit your local court and pick up an N1 form to fill in.

They are very friendly, and will tell you what you need and give you the document to fill in (it's only a double sided document)

 

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/13-courts-service-information-links.html

 

 

 

Have you read the Frequently asked questions and step by step guide?

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

IF NOT, THEN DO !!!!!!!

 

good luck

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Hi guys!

 

Fab idea i already feel more confident in taking this on. Ive successfully done my personal account and now its the business:grin: . Great to see im not in this on my own this is a case of many heads being better than one. i,ll keep you posted, claiming on a ltd company account against RBOS.

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Hi

I'm claiming on a Lloyds business account. (I'm self employed and Lloyds told me a few years ago I'd need a business account) I have been quoting the UCTA 1977 which they have now pointed out to me does not apply. I am at the stage of placing a claim through court, does it matter that I've used the wrong quotes? Also does anyone know if Lloyds tend to close business accounts once settled. I've opened a parachute account but I can't get a cheque book due to my poor credit rating. I sometimes have no choice but to use cheques so this will make things awkward for me.

Any help will be appreciated.

 

Dorisfluffy

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Hi Dorisfluffy. The banks tell you that you need a business account but that is because they can get away with charging more on a business account. If you have probs opening business account with another bank, you could use a personal account to send cheques. the banks dont like it ( they miss charging you business rate ) and eventually they may recommend you open a business account ( it will depend on how many cheques you send as to whether they get suspicious about it) as well as running personal account, even then you could always then change personal account to another bank until they do same.

One other thing you can do is to get the bank account details of the people you need to pay and pay cash/cheque straight into their bank account :-) (usually free if done at the same bank) just means a trip out.

  • Haha 1

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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Hi

I'm claiming on a Lloyds business account. (I'm self employed and Lloyds told me a few years ago I'd need a business account) I have been quoting the UCTA 1977 which they have now pointed out to me does not apply. I am at the stage of placing a claim through court, does it matter that I've used the wrong quotes? Also does anyone know if Lloyds tend to close business accounts once settled. I've opened a parachute account but I can't get a cheque book due to my poor credit rating. I sometimes have no choice but to use cheques so this will make things awkward for me.

Any help will be appreciated.

 

Dorisfluffy

 

I'd be interested to find out which fresh faced solicitor at lloyds co thinks you cant' use UCTA 1977?

Nowhere in the act does it specifically mention it applies to consumer law only. They are talking out of their butts. Ask them to quantify this statement, and relay the passages that state it does not apply to business'..... I think you'll recieve back a blank piece of paper !!

Call their bluff.

  • Haha 1

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Just about to send off prelim to hsbc to claim charges from 23/11/99 - 21/5/01. £3726.00 the account no was changed in Jan 2001. should i make a separate claim for each account number. My trading name is still the same.

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Just about to send off prelim to hsbc to claim charges from 23/11/99 - 21/5/01. £3726.00 the account no was changed in Jan 2001. should i make a separate claim for each account number. My trading name is still the same.

Did you sign a new contract when the account number changed?

You might find that the terms and conditions changed possibly?

In any case, myself, to be on the safe side, and to not give them any scope to contest, I would submit claims for each account number.

Remember, it is charges aginst an account that you are claiming, not charges against a person or company.

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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