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    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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    • If you are buying a used car – you need to read this survival guide.
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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.

      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.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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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First Direct Here We Come! - **WON**


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We're new to this so hope we're posting correctly!

we've just received the statements from FD - a good ream of paper! I'm hoping FD buddies can help us out on this one. Are we right to just add up the bank charges as in all charges other than interest or do we include interest too? Oh and what time period is it again? Like others, we've just a whopping £89 charge so we're even more determined to go all the way on this.

FIRST DIRECT:

CLAIMING £2053.00 + court fee £120

Data Protection Act SENT 6/5/06

PRELIM LETTER 23/5/06

LBA 06/6/06

REPLY REC'D 9/6/06

MCOL FILED 26/06/06

Half offer received and declined 3/7/06

Full offer and fees received 7/7/06

Credit rec'd in bank 12/07/06 Yippee!

BANK WITHDRAW BANKING FACILITIES!! 1/11/2006

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Wow - I'm certainly a novice and questioning my intelligence! I'm still determined but my head is spinning!! Can I just give the stage I'm at.... I wrote a letter as suggested: "Please supply me with a complete list of transactions and charges relating to my bank account since 1st Jan 2000 to 30th April 2006. Alternatively a complete set of bank statements for that period will be acceptable.

 

Additionally where there has been any event in my account history over this period which has required manual intervention by any member of your staff or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evidence of that manual intervention in relation to my banking business with you.

 

If you are unable to supply data relating to manual intervention because there has been no such manual intervention then please be kind as to confirm this in your response to this request.

 

You have 40 days in which to comply"

FD have obliged and sent me the statements and reference notes and 'martini' notes. Very scary reading them back - I feel like I'm reliving all those dark tense financial moments! I have begun to put them on my own spreadsheet - split (so far) between: Interest; Overdraft fee;excess overdraft fees; arrangement fees and service charge (whatever that was for!). I'm confused over what I can potentially claim for in these catagories and also what other considerations I should take into account ie what specifically is meant by 'manual intervention'

I think this site is fabulous although I feel daunted and a little doubtful of the payback - the usual 'it'll never work for me' attitude I'm afraid. However, I really realy appreciate any help and also time spent in replying and reading my bits.

FIRST DIRECT:

CLAIMING £2053.00 + court fee £120

Data Protection Act SENT 6/5/06

PRELIM LETTER 23/5/06

LBA 06/6/06

REPLY REC'D 9/6/06

MCOL FILED 26/06/06

Half offer received and declined 3/7/06

Full offer and fees received 7/7/06

Credit rec'd in bank 12/07/06 Yippee!

BANK WITHDRAW BANKING FACILITIES!! 1/11/2006

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Interest; Overdraft fee;excess overdraft fees; arrangement fees and service charge (whatever that was for!). I'm confused over what I can potentially claim for in these catagories and also what other considerations I should take into account ie what specifically is meant by 'manual intervention'

Interest - that's a separate issue, check my notes in the spreadsheet.

Excess OD fees - claim them

Arrangement fees - these were probably agreed and they should have looked at your file in detail and discussed this with you, possibly even a meeting at your branch

Service charge - claim them

Anything else that appears to be automated - claim them

 

With regards to manual intervention, it is up to you personally reading through your notes as to whether or not a charge that has been applied justifies it's cost, but everyone seems to be claiming everything and asking the bank to justify their costs in court. Have a good read around the site on this issue as it has been discussed in length.

 

Hope this helps.

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Me again - just about to prepare letter to send to bank requesting refund of the charges £2099 over 6 years. Apologies for not finding this info myself but could you remind me of how far I can legally go back to claim and if say it's 6 years is that 6 years from the date of the letter that I send in to reclaim? Also, I've decided not to claim for interest, the amount above is simply made up if o/draft fees and other charges - I assume that this is still acceptable and that by not claiming the interest I won't be compromising my claim? Incidently, having just received another recent excess charge, I complained and were happy to give me a full refund (not including interest of course) - I wish I'd been more proactive in the past - you live and learn eh? When I send the ltter in do I list how the charges are made up ie date and amount etc or can I just put the lump sum in the letter alone? Many many thanks for any help received.x

FIRST DIRECT:

CLAIMING £2053.00 + court fee £120

Data Protection Act SENT 6/5/06

PRELIM LETTER 23/5/06

LBA 06/6/06

REPLY REC'D 9/6/06

MCOL FILED 26/06/06

Half offer received and declined 3/7/06

Full offer and fees received 7/7/06

Credit rec'd in bank 12/07/06 Yippee!

BANK WITHDRAW BANKING FACILITIES!! 1/11/2006

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Firstly you are entitled to claim any interest that relates to the penalties you've been charged. You'll find more notes to this in my spreadsheet in the bank templates forum, along with how to calculate a good estimate.

 

The six years has been long debated on this site. I would claim six years back from the date you calculate it, but send the letter sharpish.

 

You can request a total, and this is normally the case, but my bank asked me for a breakdown, so I now include it to start with. That's your decision.

 

At the end of the day you must make this claim personally between you and your bank. They won't appreciate a copied template that bears no relevance to your account or circumstances.

 

Well done on claiming the recent refund. Keep it up with any future charges.

 

Good luck with the biggy.:)

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  • 2 weeks later...

Well as expected, I;ve received the 'First Direct does not agree with your contention' letter. They have quoted the operating your account clause 6.9. I assume this has been the same for everyone else?? They do say that I can contact Robert Kernaghan the Customer Relations Manager and they also mention the Financial Ombudsman. The date of their letter is 25th May. Could anyone keep me right with when I should be putting my next letter in by and confirm which one is recommended. Many thanks for help on this scary but exhilarating journey!!

FIRST DIRECT:

CLAIMING £2053.00 + court fee £120

Data Protection Act SENT 6/5/06

PRELIM LETTER 23/5/06

LBA 06/6/06

REPLY REC'D 9/6/06

MCOL FILED 26/06/06

Half offer received and declined 3/7/06

Full offer and fees received 7/7/06

Credit rec'd in bank 12/07/06 Yippee!

BANK WITHDRAW BANKING FACILITIES!! 1/11/2006

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By asking these questions it is obvious that you have not read the FAQ's . please spend a few days to read around the forum and especially the FAQ's.If you have any questions then please use the search facility where you will find most have already been asked.This is not to be awkward but it is in your best interest so that you fully understand what you are undertaking and each stage of it.

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Hi

sounds like you have sent the first letter giving them 14 days.................now its the LBA which you will find in the template library.......good luck

Barclays claiming £5269.63

LBA sent 17/05/2006

money claim filed 31/05/2006

court date 8th September 2pm

offered full refund 1st Sep

:D money credited to account :D

2nd September

 

:) Help this site to keep going please donate by clicking the button:)

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Thanks for the nudge in the right direction. I have had hours of reading others and I do think the website is fantastic (after all we wouldn't be doing these claims without those experienced at it giving help and advice) but this is something I've never attempted (just heard the 'beating the bank charge' advert on the TV while tying this - how spooky!) and just need my hand held - please be patient with me :-(.

Anyway I understand this is my next approach (I've included this letter as much for others benefit as my own). The letter received from my bank just suggested that I escelate my concerns if I want so that no deadline is in place so it'll be getting sent off tomorrow. ???? Do you have to send everything recorded delivery??

"Further to your letter dated 25th May, we are very disappointed that you have failed to respond satisfactorily to our letter of the 23 May 2006.

We still consider that the regime of 'fees' which you have been applying to our account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

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

 

We are 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.

 

We calculate that you have taken £2053.00 in charges and we enlose a copy of the schedule of the charges which we are claiming. We have already sent you a copy of this in our original letter of the 23 May 2006.

We require repayment in full of this money. If you do not comply fully within 14 days then we shall begin a claim against you for the full amount plus interest plus our costs and without further notice.

 

Furthermore, we shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department."

FIRST DIRECT:

CLAIMING £2053.00 + court fee £120

Data Protection Act SENT 6/5/06

PRELIM LETTER 23/5/06

LBA 06/6/06

REPLY REC'D 9/6/06

MCOL FILED 26/06/06

Half offer received and declined 3/7/06

Full offer and fees received 7/7/06

Credit rec'd in bank 12/07/06 Yippee!

BANK WITHDRAW BANKING FACILITIES!! 1/11/2006

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Do you have to send everything recorded delivery??

 

There is no need to send any of your letters by Recorded Delivery - ordinary First Class will do, you don't even need proof of posting.

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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True... however if they deny ever having received it, and you have a signature and a delivery receipt from the Royal Mail Website (as provided with Recorded Delivery) it can prove to the court that their contentions are inaccurate. It can also act as a catalyst to get the bank moving prior to court if you say (for instance) "I have proof that you received my request at your offices on and therefore your 40 days to comply with my request expires on ".

 

Personally, I'm sending everything recorded except LBA's which I'm sending Special Delivery.

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  • 2 weeks later...

Well FD have kindly replied to my LBA to say that they still don't agree with me, they've repeated the 'clauses' and pointed me in the direction of the ombudsman. So ........ I'm off to research my next scary step! Any help or advice would be greatly received. One question is - do I need wait until the 14 days notice that I originally give FD or because of the fact they've replied to say no already make any difference?

FIRST DIRECT:

CLAIMING £2053.00 + court fee £120

Data Protection Act SENT 6/5/06

PRELIM LETTER 23/5/06

LBA 06/6/06

REPLY REC'D 9/6/06

MCOL FILED 26/06/06

Half offer received and declined 3/7/06

Full offer and fees received 7/7/06

Credit rec'd in bank 12/07/06 Yippee!

BANK WITHDRAW BANKING FACILITIES!! 1/11/2006

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It does seem that waiting the time you set would be seen as you being reasonable by a Court should you get there. Anyway you waited this long so 14 days won't kill you :) - But it so horrible waiting I know! :p

Egg Data Protection Act Statements arrived. On hold.

 

Halifax - Moneyclaim £3100

 

Amex to Remove Default - acknowledged didn't issue correct documents - default removed :) . £135 paid in full without Court

 

I'm on a roll now :rolleyes:

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I've familiarised myself with the moneyclaim website in preparation for my next hurdle but I'm after a little bit of help ...................

- my last letter to FD warning them was 6th June (I did get a reply to the LBA from FD dated 9th June) I know that I should wait until the 14 days are up from the 6th June - this is probably a ridiculously obvious answer but can I wait more than 14 days to raise the claim or does it have to be excactly 14 days? Reason is I'm working away next week and won't have access to the moneyclaim website until Friday??????

Another question I have is the letters that have been sent to FD sofar have been from my and the hubby as it's a joint account - whats the facility for the moneyclaim - to me it looks like a single individual only. If it's a joint account does it have to have a claim from both parties???

One last one - have many had their FD accounts compulsory closed after all of these claims? If so, at what stage does this happen. I have to say that other thans the naughty over the top charges (like most banks) I've been really happy with their service (shrug)

Thanks in nervous anticipation x

FIRST DIRECT:

CLAIMING £2053.00 + court fee £120

Data Protection Act SENT 6/5/06

PRELIM LETTER 23/5/06

LBA 06/6/06

REPLY REC'D 9/6/06

MCOL FILED 26/06/06

Half offer received and declined 3/7/06

Full offer and fees received 7/7/06

Credit rec'd in bank 12/07/06 Yippee!

BANK WITHDRAW BANKING FACILITIES!! 1/11/2006

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No probs with a joint account, mine is, I have had no problems.

Some have not waited the 14 days, but I feel waiting the full time shows you to be reasonable. Unlike the bank. :grin:

As for account closures, this is very rare, and even more so for the HSBC group as far as I can gather. Best to open a parchute account though, just in case.

 

Try not to be nervous, it's you that has got the bank on the run.... :grin:

 

Crusher :grin:

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Many ta's - I guess all is ok (deep breaths - deep breaths!!) I'll be making the claim on my return on Friday and try not too lose too much sleep. What an anxious annie I am!!

FIRST DIRECT:

CLAIMING £2053.00 + court fee £120

Data Protection Act SENT 6/5/06

PRELIM LETTER 23/5/06

LBA 06/6/06

REPLY REC'D 9/6/06

MCOL FILED 26/06/06

Half offer received and declined 3/7/06

Full offer and fees received 7/7/06

Credit rec'd in bank 12/07/06 Yippee!

BANK WITHDRAW BANKING FACILITIES!! 1/11/2006

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I've just received my First Direct statement and I'm furious with the £66 of bank charges for being over our overdraft limit by £3!! This happened at the end of May and was due to our automatic trfs from other banks crediting slightly later than usual and during this time a DD came out. I've complained by phone but they were not interested. Outrageous...from the bank that loves to promote itself as the most recommended!

 

To clarify there was a bank holiday at the end of May which caused the credits from my partner and I to go in 1/2 days later than usual.

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Hi tcakes

 

I'll be submitting my claim against First Direct on Moneyclaim at the end of next week so I'll be comparing progress!! ;-)

 

Mine is also a joint account & I'll be submitting in my name.

 

Cheers!!

FIRST DIRECT: £4751.86 SETTLED IN FULL 5/07/06 :-)

 

TESCO VISA CARD: £90 SETTLED IN FULL 12/08/06 :)

 

LLOYDS TSB: £4403.59 SETTLED IN FULL 17/08/06 :)

EGG: £451.52 SETTLED IN FULL 18/01/07 :)

 

 

Opinions and advice of kazzaw are independent, offered informally, without prejudice, without liability, and not endorsed by the Bank Action Group. If in any doubt, seek the advice of a qualified, insured professional.

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Thanks for all of the support.

I'm back and eagerly composing the money claim form. One thing that has thrown me (so far) is the date that my contract commenced with FD?????? Does everyone else know this date for themselves - I haven't the foggiest. Do I need to go back to my bank and ask them?

FIRST DIRECT:

CLAIMING £2053.00 + court fee £120

Data Protection Act SENT 6/5/06

PRELIM LETTER 23/5/06

LBA 06/6/06

REPLY REC'D 9/6/06

MCOL FILED 26/06/06

Half offer received and declined 3/7/06

Full offer and fees received 7/7/06

Credit rec'd in bank 12/07/06 Yippee!

BANK WITHDRAW BANKING FACILITIES!! 1/11/2006

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Thanks for all of the support.

I'm back and eagerly composing the money claim form. One thing that has thrown me (so far) is the date that my contract commenced with FD?????? Does everyone else know this date for themselves - I haven't the foggiest. Do I need to go back to my bank and ask them?

 

I didn't bother putting it in. They don't need to know, it's not relevant to the claim.

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Notice of Issue received today!! Northampton County Court. It confirms that the court sent it to the defendant by first class post on 26th June 2006 and it will be deemed to be served on 1st July 2006. First Direct have until 15th July 2006 to reply! Eeeee well, I wait with baited breath and will be waiting at my door for the postman like a snappy little puppy!

FIRST DIRECT:

CLAIMING £2053.00 + court fee £120

Data Protection Act SENT 6/5/06

PRELIM LETTER 23/5/06

LBA 06/6/06

REPLY REC'D 9/6/06

MCOL FILED 26/06/06

Half offer received and declined 3/7/06

Full offer and fees received 7/7/06

Credit rec'd in bank 12/07/06 Yippee!

BANK WITHDRAW BANKING FACILITIES!! 1/11/2006

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Letter from DG solicitors received today offering half of my claim. I've prepared the reply - thanks but no thanks - which will be posted tomorrow.

 

Watch this space for the further news!!!!!!!

FIRST DIRECT:

CLAIMING £2053.00 + court fee £120

Data Protection Act SENT 6/5/06

PRELIM LETTER 23/5/06

LBA 06/6/06

REPLY REC'D 9/6/06

MCOL FILED 26/06/06

Half offer received and declined 3/7/06

Full offer and fees received 7/7/06

Credit rec'd in bank 12/07/06 Yippee!

BANK WITHDRAW BANKING FACILITIES!! 1/11/2006

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