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    • No further ... I've been updating the Hermes support ticket since they rejected to pay me out on the 23rd December.    I've put everything in there! Copy of both letters (Letter of claim \ Letter of Damages)  \ Royal Mail tracking numbers \ Screenshots of the tracking to show it's been signed for at Hermes Head Office ....    Had NOTHING back in terms of communication.    So I have done my money claim ready to submit this Thursday 27th January as this will be the 15th day since the Letter Of Claim was signed for.    Claim Particulars - Are above if you wanted check that over ? 
    • "Maroš Šefčovič, with whom Truss recently spent time at the foreign secretary’s official Chevening residence, took time out at a press conference to describe her as a “top notch politician” and a proven “deal maker”.   Rumored to have been overheard in the EU negotiating camp among peals of laughter: 'Johnsons government said they wanted an Australia type deal .. well, we will be very happy with one of Truss' Australia type deals eh?'
    • Please help me to cut a long story short,   had a bit of trouble over the covid times, and got into some late payments with money barn, I advised them I could pay an extra 50 per month on top of my other, did an income and expenditure and the direct debit was set up, paid direct debit for 3 months and they cancelled it and cancelled by agreement.    I didnt know till the next month when the didnt come out, mail had been going to my old address as apparently they had also done a search and it had defaulted back to that one. It took them threes months to change it, in mean time letters were going to wrong address.   I was advised as the agreement had been cancelled the only thing could be done is hand car back, pay full balance, or pay enough for a consent order.s   I agreed with the consent order, even though while the account was on hold whilst this was sorted a debt collection agency (no court order) attended my old address for the car, adding fees on, after a complaint I eventually got them removed.    Complaint took 4 months, and is now with the ombudsman   I was told by moneybarn it would be up to the courts how much I paid each month, but I then started receiving letters from their legal department dwf, saying about final settmentn, handing car back etc.   I said it was going to get consent order, where i was told this had to be agreed before court.   iT has taken 6 months for them to contact me. i am now been told that I will need to pay an additional 140 a month so it finishes same time as the cancelled agreement,   I have emailed them, their customer services, 28 times with no responses    What should I do, pay 140, or cut my losses.
    • Do we gather that the second hub you purchased is working correctly? In that case the situation is that you bought a hob in September which demonstrated faults and eventually became unusable. You contacted Currys and they fob you off to Candy. The Candy engineer has now diagnose that there are electrical faults and he has ordered for new circuit boards for it. What is the value of the hob? I'm assuming that you are proposing to sue Currys. Have you sent them a letter of claim? Please could you post it up here. Have you opened an account with the County Court money claim service and have you started to draft your claim? Where is the defective hob now? Presumably you are storing it somewhere?
    • as i said i would not be giving away any hints you might or might not possess anything in relation to the LOC   not requesting or doing something in a LOC plays zero part in any court claim should there ever ever be one. you cant be reprimanded for not replying to a LOC however it always looks bad and puts a claimant on the backfoot should they ever fail to send one, as the pre action protocol scheme was specifically designed to detract speculative claims from parking companies, it got silly when figures reached some 750'000 in one year.
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Business claim... here goes!

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Prelim letter sent today:

Account No:

Dear Sir/Madam,

I am writing to ask you to refund to me the charges which you have levied from the above-mentioned account over the last five years.

I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs.

Additionally, it has been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary.

Your responsibilities

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them.

Your concealment of the true nature of your charges has prevented me from asserting my right until now.


I calculate that you have taken £.in penalty charges and £ in debit interest bringing the total to £

I also request that any settlement should include compound interest at your current contractual rate of 29.8% from the date that each charge was first applied onto my account.

The account’s Terms and Conditions specify the interest payable on unauthorised drawings from the account. I believe that this applies to unauthorised drawings by you as well as unauthorised drawings by me. I therefore believe that I am entitled to ask for this rate and further that it is justifiable under the principle of mutuality and reciprocity, and is based on your unauthorised overdraft interest rate that would be applied under the terms of the above mentioned account.

I enclose a schedule of the charges which I am claiming with this letter.


I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment

If you do not respond, or you do not respond positively within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

I am aware that to date The Royal Bank of Scotland has failed to defend itself successfully in any court action, and if it were to follow in this case then RBS will also be liable for costs.

Yours faithfully,

I doubt they are gonna pay up so probably in for the long haul with this, fingers crossed any tips or comments would be most welcome....lets see!

First Direct ** WON ** :p

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  • 1 month later...

Well, the standard "we are looking in to it" letter was received 2 weeks ago so today the LBA has been drafted and will be posted. 2 weeks from now, will probably be filing at court.

First Direct ** WON ** :p

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Hi Bad Mother ( think you should call yourself GOOD Mother...smiles)

Wow! Thats no ordinary letter!.Its a frightener!

If I were them I would settle immediately......You certainly mean business!


I claimed against the Northern Bank on a BUSINESS account and was successful. They didnt settle till I filed against them in the small claims court but that was even better because I also got the statutory 8% interest!

I wish you well in your claim.

Glad to know more business people are claiming now.

Many think that the claiming back of penalty charges is only on PERSONNAL accounts but thats not the case.

Kind regards


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