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    • ok I will do that..   all we have is the message he sent on his iCloud mail on his iPhone to say he received payment in full with the registration number   the only description we have is the advert itself which is still on numerous sites   funny tho in the email he sent me he said that he has received a deposit..! well no he had all the full amount in cash which he insisted on as that was the way he traded..   I pointed this out to him in my reply so awaiting a response as he had already acknowledged full payment in texts and in our phone recordings..   Dont know what he is playing at..    
    • if you click the red link does it say its had expired?  
    • I purchase an OPPO Find x2 Pro phone from John Lewis online.   The website stated that the phone came with a pair of B&O h4 headphones worth £200 at no extra cost via redemption. When i tried to claim the headphones from the OPPO site it was rejected and I should contact John Lewis. I did and my case has been passed between departments with a few deadlines for a response which were not met.   Until today i was assured that the offer would be honoured, however they are now saying it is my faulty as if i had read the terms and conditions I would have seen that the offer ended 31/3/21. The website is still offering the headphones.   They are now refusing to state whether I will or will not get the headphones and when they will be able to give an answer.    Could anyone tell me my legal position happy yo provide further details   
    • Hi all,   Apologies if this sounds drastic, but i'm a major stress head and it's setting off my anxiety in all honesty so I just want to double check with all that i'm in a secure position.   Upon gyms reopening, I signed up to David Lloyds on the 12th of April. I felt a bit pressured into but the sales representative I spoke to said that I can cancel my membership within the initial 2 weeks if I feel that the club isn't a good fit. So anyhow, as an idiot I agreed. Nevertheless, the next day I decided that perhaps it's not a good move for me financially and decided to cancel.   After ringing David Lloyds several times and being told they would get someone to call me back several times they never did. After calling in again and speaking to the actual woman who sold me the membership she said no worries they'll get it cancelled but only her senior member of staff could do so, and at that time she's not in so she would call back tomorrow. So at this point alarm bells start ringing and having seen a lot of the atrocities and bully tactics online, I decided to put it in writing both in an email and through their app referencing section 5f of their T&C's, and then forwarded on the email to their sales team aswell as their branch. I did get a generic receipt email for both the first email and forwarded email, but there is no tie to the email I sent myself implicating that it is in response to that (other than the fact the time stamps are at the same time).    The next day, it's 6pm and I hadn't received a call. So I called again and kicked up a fuss speaking to the same girl, to which she said look there isn't going to be an issue it'll be cancelled and she'll send it to me in writing. I got the email in writing from her (the email address was affiliated with David Lloyds and it did show her job title) saying that my membership is cancelled within the 14 day cancellation period which was a massive weight off my shoulders, but upon further inspection there was small print at the bottom saying that the opinions are solely of the individual and that David Lloyds accept no responsibility (not sure if thats generic or something that will bite me in the ass down the line). I hate to be a pessimist, but I am extremely cautious that upon the end of the month i'll be charged and they'll pretend to have never received nor cancelled my membership officially and the initial 14 days cancellation period will be over. Having had a look, my David Lloyds account is still active (to the point at which I can book classes) but i'm not sure if this is something that closes at the end of the month as it does say something to that effect in their terms and conditions.    A link for the terms and conditions is found here: https://www.davidlloyd.co.uk/-/media/david-lloyd/files/uk-terms-and-conditions-october-2019-v2.pdf   I was hoping you guys could give me your insight as to whether this is secure enough to provide myself protection as I cannot risk getting a damaged credit rating (I am a worrier as you can tell). I have provided all the necessary screenshots attached.   H
    • as for cap1 there are letters to use in the debt collection section of our library inc your fees spreadsheets. i doubt cap1 will bite though.   is the OD still with halifax?    
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    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 32 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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Charges from 91-97, should I go for it?


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Lol - my fault, I typed 'put' instead of 'out'. I think I have dyslexic fingers!

 

Anyhow, good news that you've got it officially started with courts and of course, it secured the extra 8% interest for you which I argue is always worth the extra effort of not accepting any poxy offers of pre-issue settlement from banks.

 

Have you MCOL'ed or gone straight to your local county court? If MCOL, remember by now you should have to sent Northampton and Barclays a copy of your Schedule of Charges as per your particulars of claim.

 

MCOL are running very slow (bogged down with nabk charge claims) however the timescales for bank to acknowledge etc remain the same as soon as you get a date of "served".

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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I have gone the MCOL route. I have sent them 2 copies of my SOC. I have not sent to Barclays yet, as I am sure I read somewhere you have to wait until you know who is dealing with it!!!!! would that be right, if not what dept in Barclays do i send it too, and what address.

 

Oh and MCOL says that it has been 'accepted' and they 14 days to reply

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I would send a copy of the SOC to Barclays Litigation Department at H/O* otherwise they are sure to come back with a Defence that includes the fact that you haven't provided a breakdown of the charges.

 

Send it attached to a courtesy letter including your MCOL Claim Number etc and send registered.

 

*

 

Barclays Legal & Compliance

LItigation & Disputes

Level 29

1 Churchill Place

LONDON E14 5HP

  • Haha 1

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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Looks like yr finally getting some advice at last on a neglected thread. Unfortunately I can only offer moral support - (all my actions are settled & never even went to court - 2 more to go for friends)

 

Have been checking yr thread tho - wating for good news..

 

fight 'em like Tevez - - Good Luck !

 

C

A&L S.A.R - (Subject Access Request): 40 days up - overdue ! Now received

Co-operative Bank (business): £ 1,008 - settled in full after LBA

 

Lloydstb: £ 387 - settled in full after LBA

 

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Just to let you know I sent off the SOC to Barclays at the address you gave Welshcakes, sent it special as well. So I guess now I just sit back keep reading and wait.

 

I so wish I was with Halifax, my friend at work sent her MCOL just a few days before mine and they have settled hers, about a thousand pound short of her 8k+ claim :p

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  • 4 weeks later...

Just received my Notice of Transfer of Proceedings, which looks like it is in Chelmsford County Court. It says that A&Q to be dispensed with unless District judge at court orders otherwise. How long does it take to get a court date from here and what do I do next?

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Hi WHU

 

Only ringing the court will give you an idea of their own caseload, so that's your best bet.

 

At the moment there is nothing for you to do except trawl the site and the web for any more research pieces on pre-6yr cases. Next you will have a Notice from Chelmsford telling you one or a combination of the following whether the judge has decided to ask for an AQ to be completed, set a hearing date, requires you to serve more paperwork (which will be itemised).

 

Now, is just a waiting game for the post :)

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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Cheer yourself up in the knowledge that the interest you can claim also, at 8%, is growing and growing....

 

I've yet to receive an AQ but I know that my case will probably be stayed, hence I'm accepting their offer on one account and leaving the other to run it's course. Then, in 2025 when it's all over, I'll have a nice holiday ;)

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Yes, if the Test Case outcome found that £35 for a bounced cheque was fair !!

:D PMSL :D

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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Does anyone know how I can move this to the Barclays thread??

PM Saintly, she'll move it for you :)

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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  • 4 years later...

Wow four years ago......Can anyone tell me. This never went any further than being 'stayed'

Am I able to re instate this case or at least reclaim my money bcak which I paid to the court?

 

Thanks

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Hi

 

If this is for charges on a normal current account then it is a non-starter these days unless you are claiming under the hardship rules.

 

Loans and credit card charges are still up for grabs though.

 

ims

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As of now, current account charges are a non starter. (Unless the hardship criteria apply)

 

Loans, Credit Cards and other Revolving Credit Accounts are available for reclaim.

 

What will happen in the future is an unknown.

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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  • 1 year later...

My understanding is that charges relating to a mortgage (ie) late payments etc / returned DD/ can be reclaimed from Building Society/Banks etc. I am in the process of claiming these charges back from

Woolwich aka Barclays dating back to 2003. If this goes to court and Barclays claim the Limitation 6 year argument my answer will be the Limitation Act clock only starts ticking when i found out about the

charges being unlawfull (ie) Dec 2012

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Hi there,

My enquiry at #45 is now a further 18 months down the line - still no developments?

Are there ANY details of cases (which one must assume, met with a degree of success) initiated by GLC but had gagging orders attached. Is it not reasonable to surmise that the cases in question will be a matter of public record where we can at least glean some useful background?

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  • 1 month later...

Hi Brown1950,

 

How's the reclaim for mortgage penalty chgs going.

 

I doubt Barclays will take you seriously at all unless and until you issue court action to recover the penalties plus interest.

 

Start a new thread for your case in the Barclays Bank forum as cases tend to go unseen here in the Woolwich forum.

 

:-)

We could do with some help from you

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Hi there,

My enquiry at #45 is now a further 18 months down the line - still no developments?

Are there ANY details of cases (which one must assume, met with a degree of success) initiated by GLC but had gagging orders attached. Is it not reasonable to surmise that the cases in question will be a matter of public record where we can at least glean some useful background?

 

I think any cases were settled before court so there's no information. I contacted Mike Dailly to ask if/when we might hope to learn more, but for now GLC are having to prioritise fighting the bedroom tax.

 

Apologies to the OP for hijacking the thread.

 

What's Best for You?

 

 

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Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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