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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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      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.  

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      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

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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
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28bagk Vs First Direct


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Hi,

 

Well, I have started the ball rolling here and have sent the SAR letter by recorded post. I had my bank acc closed 18 months ago and have lots of charges up till then, can't wait till the statements come back......:) :)

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

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Good luck. Seems that they have different practices for sending out the statements - some people get them quickly (by courier) and others have to wait. Good luck with your claim by the way.

Claim against First Direct - WON - 29th March 2007

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Thanks Harvest

 

I received my £10 cheque back yesterday and await the statements by courier. :)

 

Will let you know when they arrive.

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

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  • 4 weeks later...

Well my statements came yesterday and it works out to £3000+ for overdraft fee and excess overdraft fee. Not many recalled dd/so so I should not expect that arguement from them.

 

Prelim being prepared now. :)

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

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Excellent make sure that once you send it that you stick to your timescales and don't be put of with letters saying that FD are investigating the matter and will get back to you in 8 weeks etc!!

Guide to claiming back your bank charges

 

Most of your questions can be answered by following this link.

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Prelim was sent on 31st March, by recorded delivery of course!!

 

I got the standard letter yesterday (5/4/07) saying that they will reply in 10 days.

 

I decided not to claim debit interest as I found it too difficult to work out the difference from the interest on the charges and the debit balance. I will add the 8% later if it gets that far, which I'm sure it will in view of the amount I'm claiming.

 

I guess I had better start preparing my LBA now!!!:|

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

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Thanks Gmmm, only a week to go before its sent.

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

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Eeek, LBA due to be sent now. Will prepare later today and send on Monday recorded.

 

Kitty received an offer yesterday and sent her prelim after me!!!!:-?

 

How about you Madhouse, any news yet?

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

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Nothing yet. I'm getting LBA letter ready today to send Monday, got behind with this claim because I've been doing AQ for barclays and N1 for mbna. Although mbna want to settle monday morning, so they've got til lunchtime then I go to courts.

 

I'll you know when I hear from them.

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I know what you mean, I've been trying to get statements from b/card, what a nightmare!!!! From reading others, I think they are the worst!!!

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

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Best of luck with that MH :)

 

Well I sent off the LBA on Wednesday 18/4 albeit a couple of days late as I've been dead busy with work.

 

Fingers crossed for a result!!!! :rolleyes:

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

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I had an offer on Monday from FD, offering £974 from a £1,147 claim. Considered it for a while decided against excepting. LBA already in the post, rejection letter going today.

 

Good luck, hopefully you'll get an offer soon.:D

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Lets see what they say to your LBA, best of luck.

 

I received a letter today from FD saying that FD do not agree with my contention that the charges are unlawful and then went onto spout the T's & C's. They then say that are unable to agree to my request and if I wish to escalate I can write to Robert Kernaghan, Customer Relations Manager.

 

I think that this is a standard letter, has anyone else had this one? It maybe that they have not made an offer as its over £3.5k. What do you all think?

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

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  • 2 weeks later...

Hi 28back

 

Im claiming similar amount to you, my LBA runs out on 7th may, as yet I have heard anything other than the same letter you have had ie ..........if I wish to escalate I can write to Robert Kernaghan, Customer Relations Manager.

Just wondering if you have had any other contact from them?

 

Thanks

GE MONEY- Settled 5/06/07

Capital One - Won 15/06/07

**Treat everyone as you would expect to be treated yourself**

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I got standard sorry letter will respond within ten days. Then I got the 85% offer after the ten days which sent rejection letter to them they got that last saturday and I received 100% offer yesterday.

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  • 2 weeks later...

Well guys, nothing from FD so far. Not even a measly offer :(

 

Now I guess that I have to do the MCOL or N1 which looks a bit of a nightmare from others' comments.

 

I have looked at the templates to see if there is a letter saying something on the lines of.....'pay up within x days or I will add another grand interest plus court charges etc....' but couldn't find one. Has anyone got a letter like this, I'm sure I've seen one on a thread somewhere??!!

 

How much does the MCOL/N1 cost and do you have to pay straight away? If so it may have to wait a little while :(

 

Thanks for all your support so far :)

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

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Anyone?!?!? :):)

 

 

I have looked at the templates to see if there is a letter saying something on the lines of.....'pay up within x days or I will add another grand interest plus court charges etc....' but couldn't find one. Has anyone got a letter like this, I'm sure I've seen one on a thread somewhere??!!

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

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I made a point of telling them that if they didnt pay up it would cost them court fees and interest and if they were relly interested in managment cost and time they'd pay up also I was cheeky and said if they put in a defence just to delay things I would put in a Wasted Costs Order! Not sure if it heled at all but they paid up in full!!

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  • 2 months later...

Hi All,

 

Apart from being busy at both my jobs (day&night/weekend!!) I have put off doing the MCOL/N1 as I had lost my bottle. I'm not afraid to say that I'm terrified of the one that has to go to court :o

 

I know this is silly as no-one has had to do it - so I have to get back on it. They owe me loads of money!!!! :mad:

 

I finish my day job for the summer tomorrow so the first thing I am going to do is pick this back up again and go for all the others too to get as far as I can before September when it all gets manic again!!

 

Your support is great guys!!! :) :) :)

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

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