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    • I have posted the letter off today - sent recorded delivery, so should get to the Police early next week. I also walked along the street where this happened and checked if there were any CCTV cameras or video door bells in that section of the road, but could only find one. I talked to the owners of the house with the camera but they say it is set to only cover the area leading up to the house and not really the pavement or road and footage also auto deletes after 72 hours, so anything captured would be gone now. That was disappointing. I walked along the road a bit more, but couldn't see any other video door bells or CCTV, so that didn't help.  I always thought most people have at least a video door bell these days but not in that road... 😐 So came home a bit disappointed.  If anything else happens I will post an update here, but may not be for a week or so. Not sure how long this will take now.
    • Hi all.   I've just cancelled my Virgin Media because my Wife and I are going abroad for 12 months or so. My Son will be staying in our home, and wishes to start a contract with them. He signed up to a great deal for New Customers online, and a Contract Agreement was signed online. He had a delivery date for a Self Installation Kit but it never arrived. After speaking to numerous Virgin Media Staff online, they are insisting that he calls their Pre Installation Team (I presume that is their sales Team to try and get more money). He doesn't want to speak to them over the phone. He doesn't mind doing a Live Chat, but he hasn't got an Account Number yet, so that's impossible. He even had a chat with a Team Member on Whatsapp, who say they don't have access to the information they need, so he has no option but to call them. Why can't they just be straightforward with their Communications? Is there any other option other than calling them?   TIA.
    • Hi All, I'm looking for help with a P2G claim for another lost parcel. Given the wealth of information on this site, I'm hopeful that this should be an easy one to fix, but want to be sure I have everything. On the 6th March, I contracted with P2G to send a parcel (a £600 Pioneer AVH-Z7200DAB car stereo which is not on either P2G or EVRi's excluded from compensation or prohibited items list) using EVRi, sent it off, and that was the last I heard of it. The EVRi tracking showed that the parcel had made it to the national sorting hub at 2:12 on the 7th, and then vanished. By Friday, I had started to get nervous, and so, raised an enquiry. And then another, and another - well, they weren't responding, and I couldn't get their telephone one to work, I think in all, it was more than 15 enquiries. I also raised an investigation with P2G as well. EVRi closed the enquiry confirming a loss on the 19th March, and P2G near the end, although P2G closed it claiming that I needed to send photos of the parcel as proof - which I didn't have, and I also do not have an account with P2G so couldn't upload anything (I did test, just in case), and this is why despite receiving advice on the EVRi Fb group to send the letter before claim, I haven't yet acted. I have proof of the eBay listing, and the refund, to demonstrate that which was being sent, but P2G's insistence that I have no photographic proof of the parcel with the label - I have the photo of the goods in their box before sending, but this is for the eBay listing, and so does not show it after the fact. This I fear is what P2G will seek to rely on as a defence, hence my 10 week delay on progressing with this. But, I am more than £600 out of pocket for the loss: £600 for the item and £8.04 for the delivery fee, although my claim will actually be for an initial £611.09 to cover the cost of the loss, their delivery fee, and my 1st Class Recorded stamp for the Letter Before Claim to P2G, rising to £681.09 to cover the additional £70 cost of opening the court case if they fail to respond within 14 days. This question mark surrounding P2G's request for photographic evidence, is this likely to cause me a problem? Steve
    • Had a letter response today dated 12/6/24 from PRA Group re request for information consumer credit act 1974. Confirming they are in receipt of my CCA letter request - and that they are requesting the required information. They returned the £1 postal order. And my CCA letter. Stating that they will contact me with an update ASAP. They attached/included a standard ( non personal ) page about ' what they should provide ' and ' what happens If I don't get this information'.    I need to file my defence by 21 June 24. Any suggestions as to what that defence should be ?   
    • Thanks @dx100uk for responding promptly.    To be quite honest with you, applying for breathing space might not really help except some short term relief. I don’t want to default either as I might lose my job too and I cannot really afford it. Sorry for sounding bit stupid but is there something I can do to stop them charging interest and agree on reduced payments? Can I use pro-rata payment letters to get out of this situation without too much impact? I am working on information that @BankFodderhas requested and will be sharing it later today.  
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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
        • Like

Tina V Abbey *** WON ***


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no I got one offer, and they put in a defence (at the right time) so it's going to the wire! it's really annoying all this waiting though! good luck with yours!

 

Also I have sent this letter to the judge today, Thanks Karnevil!!

 

With reference to the above claim, I have received the defence from the defendant and feel this is not complete in that the calculations required to prove the costs of the purported breach of contract are not included within the defence.

 

In your indulgence, I would respectfully ask, sir, that you order disclosure of the calculations which justify the charges in question, that the Defendant may intend to use to defend the claim.

 

I understand that it is within your discretion to do so.

 

I believe such an order would bring a rapid end to this litigation.

Data Protection Act letter sent 10/04/2006,

priliminary letter sent 23/05/06,

LBA sent 7/06/06

claim issued 23/06/06

deemed to be served 25/06/06

Abbey Acknowledged with intent to defend, they have got until: 23/07/06

50% offered + interest, rejected: 21/07/06

AQ recieved 27/07/06,

AQ posted back 09/08/06

Court date 13/12/06

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  • 3 weeks later...

no I didn't get a reply to that fuzzgun, so I left it :confused:

 

however I have today recieved a letter from the courts in reply to the letter I sent to the judge, here's what it say's can someone tell me what it means?

 

Upon considering the claimant's letter dated 26th sept 2006,(copied off Karne in an above post)

the defendant has indicated at papagraph 6 of it's defence that details will be provided on disclosure.

 

IT IS ORDERED THAT if, following disclosure, the claiment believes she is entitled to further information, she should apply on notice detailing what information she seeks.

 

so what does all that mean?? plz help!

Data Protection Act letter sent 10/04/2006,

priliminary letter sent 23/05/06,

LBA sent 7/06/06

claim issued 23/06/06

deemed to be served 25/06/06

Abbey Acknowledged with intent to defend, they have got until: 23/07/06

50% offered + interest, rejected: 21/07/06

AQ recieved 27/07/06,

AQ posted back 09/08/06

Court date 13/12/06

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can anyone tell me what the above letter means? do I need to do something?

Data Protection Act letter sent 10/04/2006,

priliminary letter sent 23/05/06,

LBA sent 7/06/06

claim issued 23/06/06

deemed to be served 25/06/06

Abbey Acknowledged with intent to defend, they have got until: 23/07/06

50% offered + interest, rejected: 21/07/06

AQ recieved 27/07/06,

AQ posted back 09/08/06

Court date 13/12/06

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Thanks Karne

 

para 6. of shabby's defence:

 

The claimant has overdrawn or exceeded authorised overdraft limits on the account on a number of separate occasions, full details of which will be provided on disclosure. Therefore by virtue of the conditions referred to in paragraph 3 above such overdrawing was unauthorised and in breach of contract and the claimant became liable to pay fees to the defendant in accordance with its tariff of charges applicable at the relevant time. In accordance with the conditions, such fees were debited to the account.

Data Protection Act letter sent 10/04/2006,

priliminary letter sent 23/05/06,

LBA sent 7/06/06

claim issued 23/06/06

deemed to be served 25/06/06

Abbey Acknowledged with intent to defend, they have got until: 23/07/06

50% offered + interest, rejected: 21/07/06

AQ recieved 27/07/06,

AQ posted back 09/08/06

Court date 13/12/06

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Thanks again Karne :D

Data Protection Act letter sent 10/04/2006,

priliminary letter sent 23/05/06,

LBA sent 7/06/06

claim issued 23/06/06

deemed to be served 25/06/06

Abbey Acknowledged with intent to defend, they have got until: 23/07/06

50% offered + interest, rejected: 21/07/06

AQ recieved 27/07/06,

AQ posted back 09/08/06

Court date 13/12/06

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  • 4 weeks later...

well I have today, posted off all the documents to both the courts and Abbey, it's been dragging on too long now and I want it to end:mad: , lets hope this gives them the final kick they need!

Data Protection Act letter sent 10/04/2006,

priliminary letter sent 23/05/06,

LBA sent 7/06/06

claim issued 23/06/06

deemed to be served 25/06/06

Abbey Acknowledged with intent to defend, they have got until: 23/07/06

50% offered + interest, rejected: 21/07/06

AQ recieved 27/07/06,

AQ posted back 09/08/06

Court date 13/12/06

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NOTHING HEARD!!

 

they only have 20 days until court! I'm worried now:eek: , will my case be the first one ever to go to court??? haven't had a full offer/part offer letter or email or nothing! anyone else this far along?

Data Protection Act letter sent 10/04/2006,

priliminary letter sent 23/05/06,

LBA sent 7/06/06

claim issued 23/06/06

deemed to be served 25/06/06

Abbey Acknowledged with intent to defend, they have got until: 23/07/06

50% offered + interest, rejected: 21/07/06

AQ recieved 27/07/06,

AQ posted back 09/08/06

Court date 13/12/06

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but won't a day before be too late to stop the courts? plus I've read that you shouldn't cancel your court until you have the money in the bank, so does this means I'll still have to goto court if they don't respond until 1 day before?

Data Protection Act letter sent 10/04/2006,

priliminary letter sent 23/05/06,

LBA sent 7/06/06

claim issued 23/06/06

deemed to be served 25/06/06

Abbey Acknowledged with intent to defend, they have got until: 23/07/06

50% offered + interest, rejected: 21/07/06

AQ recieved 27/07/06,

AQ posted back 09/08/06

Court date 13/12/06

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You would be very wise to do that under those circumstances

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Hello Tina

 

You don't have to be worried about going to court, you'll have plenty of support with you if you do!!!!!!!! The shABBEY won't have a leg to stand on, and lots of people from this site will want to be there to see their 'egg spirt' witness in person!

 

Anyway, like Karnevil says, they'll probably get in touch the day before you are due in court, with their tails between their legs, begging you to settle!

 

Keep your spirits up, your wait will soon be over!

Phil:)

This is only my personal, honest opinion!

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thanks for the advise all,

 

what does an adjournement mean?, more waiting?

 

and if they settle 1 day before, will I still be going to court for an adjournement?

 

sorry for being so thick :oops:

 

they have 6 days left before they have to hand in thier court bundle.

Data Protection Act letter sent 10/04/2006,

priliminary letter sent 23/05/06,

LBA sent 7/06/06

claim issued 23/06/06

deemed to be served 25/06/06

Abbey Acknowledged with intent to defend, they have got until: 23/07/06

50% offered + interest, rejected: 21/07/06

AQ recieved 27/07/06,

AQ posted back 09/08/06

Court date 13/12/06

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doesn't anyone know what happens when you adjourn? anyone else at this stage?

Data Protection Act letter sent 10/04/2006,

priliminary letter sent 23/05/06,

LBA sent 7/06/06

claim issued 23/06/06

deemed to be served 25/06/06

Abbey Acknowledged with intent to defend, they have got until: 23/07/06

50% offered + interest, rejected: 21/07/06

AQ recieved 27/07/06,

AQ posted back 09/08/06

Court date 13/12/06

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Just phoned the courts up to see is Abbey had put in thier documents since it's only 14 days left until my court date, they have not by the way, she didn't say anything about what will happen next other than if they don't get thier documents in my Tuesday I should write a letter telling the judge that they have not complied with the above request,

 

can anyone help me with this letter please!!! PLEASE!!! I don't have a clue what I should write!

Data Protection Act letter sent 10/04/2006,

priliminary letter sent 23/05/06,

LBA sent 7/06/06

claim issued 23/06/06

deemed to be served 25/06/06

Abbey Acknowledged with intent to defend, they have got until: 23/07/06

50% offered + interest, rejected: 21/07/06

AQ recieved 27/07/06,

AQ posted back 09/08/06

Court date 13/12/06

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Share on other sites

Thank you Karne, the adjournment bit is I don't know what it means, you said in a previous post I could ask for one, so was just asking what it meant.

Data Protection Act letter sent 10/04/2006,

priliminary letter sent 23/05/06,

LBA sent 7/06/06

claim issued 23/06/06

deemed to be served 25/06/06

Abbey Acknowledged with intent to defend, they have got until: 23/07/06

50% offered + interest, rejected: 21/07/06

AQ recieved 27/07/06,

AQ posted back 09/08/06

Court date 13/12/06

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Thanks Karne, I understand now, and here's my amended letter to the courts, is this ok?

 

Date xx.xx.xx

 

Dear Judge

 

Claim XXXXXXX

 

Court hearing: 13.12.2006 at 11.30am

 

With reference to the above claim number' Abbey National Plc (the Defendant) have not provided Disclosure as requested in an order by District Judge xxxx on Thursday 21st August 2006 sitting at Mold court.

 

District Judge xxxx ordered that:

 

Disclosure of documents shall be dealt with as follows:

 

a) Each party shall deliver to every other party and to the court office copies of all documents (including any expert report) on which he intends to rely at the hearing no later than 14 days before the hearing.

 

b) The original documents shall be brought to the hearing.

 

This information is still outstanding and has still not been provided to the Claimant.

 

The claimant therefore requests your indulgence, sir, that the defence is struck out, and judgment ordered by default.

 

 

your Truly

 

Tina

Data Protection Act letter sent 10/04/2006,

priliminary letter sent 23/05/06,

LBA sent 7/06/06

claim issued 23/06/06

deemed to be served 25/06/06

Abbey Acknowledged with intent to defend, they have got until: 23/07/06

50% offered + interest, rejected: 21/07/06

AQ recieved 27/07/06,

AQ posted back 09/08/06

Court date 13/12/06

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I WON!!! HAD MY FULL AMOUNT OF CHARGES REFUNDED PLUS COURT COSTS AND INTEREST AT 0.85% BACK!!! I messed up on the interest but they have still said they will pay it WOOHOO!!!

 

had a letter confirming it this morning!

 

so now a bit more advise please, they said they would credit the money to my account (they don't say when), and could I inform the courts that the case had been settled, do I do this? or do I wait until the money has been deposited? if I wait what do I tell the courts, I'd have to let them know something as I'm due in court on the 13th Dec,

 

I'm so damn happy!!! I've waited a long, long time for this!! Thanks for all the help guys and girls!! Donation on it's way when the money goes into my account :D WOOHOO!!!

 

can a Mod please change the title to ***WON*** Thank you!

Data Protection Act letter sent 10/04/2006,

priliminary letter sent 23/05/06,

LBA sent 7/06/06

claim issued 23/06/06

deemed to be served 25/06/06

Abbey Acknowledged with intent to defend, they have got until: 23/07/06

50% offered + interest, rejected: 21/07/06

AQ recieved 27/07/06,

AQ posted back 09/08/06

Court date 13/12/06

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Thanks Karne :D this is what the letter says:

 

bank charges: £1,137

costs: £0.00 (I'm on benefits)

Interest : £191.25

interest has gone up by £40.12

total: £1,368.37

 

I read it wrong sorry, it says (your claim form refers to continuing interest at 8% however this does not mean that the rate is £.85 per day) oops! :rolleyes:

 

I have a section to sign and date and return saying:

 

I Tina confirm that I have received payment of £1368.37 in full and final settlement of my claim and I will write to the court and withdraw the claim.

 

do I send that back now? or wait until I have had the money?

 

and do I need to write to confirm I accept the offer? or just write a letter giving them a dead line for the money to be put into my account?

Data Protection Act letter sent 10/04/2006,

priliminary letter sent 23/05/06,

LBA sent 7/06/06

claim issued 23/06/06

deemed to be served 25/06/06

Abbey Acknowledged with intent to defend, they have got until: 23/07/06

50% offered + interest, rejected: 21/07/06

AQ recieved 27/07/06,

AQ posted back 09/08/06

Court date 13/12/06

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Hi, karn would be the best person to speak to but i wouldn't return that form till you have the money. You could write them a quick note saying i'll accept but will not inform the court till the money is in my acc and i i'll give you till the 10th to put money in my acc or the claim will continue

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yes Karne, it's added up to 25p per day, and Thanks bpakoue, I'll do that now ;)

Data Protection Act letter sent 10/04/2006,

priliminary letter sent 23/05/06,

LBA sent 7/06/06

claim issued 23/06/06

deemed to be served 25/06/06

Abbey Acknowledged with intent to defend, they have got until: 23/07/06

50% offered + interest, rejected: 21/07/06

AQ recieved 27/07/06,

AQ posted back 09/08/06

Court date 13/12/06

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hows this look? to send to Abbey

 

Dear Sir/Madam,

 

In view of your letter dated 30 November 2006, I accept the full and final amount of £1,368.37, however I will only inform the courts when monies are paid and CLEARED in my account, as the court date is set for 13th Dec, I will expect monies to be cleared by the 10th Dec 2006, at the latest, I will then, and only then stop court proceedings.

 

Yours truly,

 

Tina

Data Protection Act letter sent 10/04/2006,

priliminary letter sent 23/05/06,

LBA sent 7/06/06

claim issued 23/06/06

deemed to be served 25/06/06

Abbey Acknowledged with intent to defend, they have got until: 23/07/06

50% offered + interest, rejected: 21/07/06

AQ recieved 27/07/06,

AQ posted back 09/08/06

Court date 13/12/06

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anyone?? is the above letter ok to send??

Data Protection Act letter sent 10/04/2006,

priliminary letter sent 23/05/06,

LBA sent 7/06/06

claim issued 23/06/06

deemed to be served 25/06/06

Abbey Acknowledged with intent to defend, they have got until: 23/07/06

50% offered + interest, rejected: 21/07/06

AQ recieved 27/07/06,

AQ posted back 09/08/06

Court date 13/12/06

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Tina

this is my view for what it's worth:

 

Thank you for your letter dated 30 November 2006 and I can confirm that I propose to accept the full and final amount of £1,368.37. However I intend to inform the courts only when monies are paid and CLEARED in my account. As the court date is set for 13th Dec, I will expect monies to be cleared by the 10th Dec 2006 at the latest, at which point I will inform the court that the matter has been resolved and to cease further action.

I hope this helps but feel free to ignore.

SD

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no that's great, will get it printed out and sent right away, Thanks!! :D

Data Protection Act letter sent 10/04/2006,

priliminary letter sent 23/05/06,

LBA sent 7/06/06

claim issued 23/06/06

deemed to be served 25/06/06

Abbey Acknowledged with intent to defend, they have got until: 23/07/06

50% offered + interest, rejected: 21/07/06

AQ recieved 27/07/06,

AQ posted back 09/08/06

Court date 13/12/06

Link to post
Share on other sites

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