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    • Well, that's it then. Clear proof of the rubbish cameras. Clear proof of double dipping. G24 won't be getting a penny. Belt & braces, I would write to the address LFI has found, include the evidence of double dipping, and ask Fraser Group to call their dogs off.
    • LOL. after sending Perch capital a CCA request with a stapled £1 PO attached (x2) Their lapdog Legal team TM Legal have sent me two letters today saying "due to a recent payment on the account, your account is open to legal/enforcement action" so i guess they have tried to apply that payment to the account to run the statue bar along. dirty tactics lol.
    • I have initiated the breathing space so ill wait. from re reading everything this what i understand BS gives me 60 days break from the creditors during these 60 days they may contact me and will most likely default I need to wait until after a default notice to see whether the OC will keep the debt or sell it off If kept by the OC then i should attempt a plan or pay some token payment? If sold to DCA then don't pay and after 6 years it will leave my credit report once the DN is registered with a date. DCA may start a CCJ but unlikely, if they do come back here. last question, do you know roughly how long this will all take? in terms of defaults/default notice, potential CCJ? Would you say I have 12 months plus from when the BS ends?
    • Well, it's up to you. Years & years & years ago the forum used to suggest appealing to POPLA, but then AFAIK POPLA's remit was changed and it became much more biased in favour of the PPCs. One of the problems with taking that route is that the onus will fall on you to prove your appeal, while if you do nothing the onus is on MET to start legal action which experience teaches they are very, very reluctant to do. If you go down the POPLA route I would think your ace would be insufficient signage.  Are you able to go back there and get photos of their rubbish, entrapping signs?
    • The first clearly visible sign as you pull in to the car park states “McDonald’s Customers Only 60 minutes” The next clearly visible sign is an almost identical sign outside Starbucks which states “60 minutes free stay for customers only” There are other signs towards the rear of the car park (away from the outlets) that have the terms and conditions on them in very small print.
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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. 
       

      Many thanks 
      • 81 replies
    • 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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Just starting out ***WON***


tjinuk
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Hi to everyone here

 

I have been pondering this for many weeks an saturday i decided enough was enough. Iv sent two letters to Lloyds tsb, 1 for my statements and 1 on behalf of my daughter. Her costs amount to £1455.34. Im not sure about mine until i get the satements back.

Thankyou to all for giving all the advice needed an template letters. I will keep you all updated as to what happens.

Bye for now

Tjinuk:-)

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Hi Ellie

 

Thankyou for the welcome. I have been reading lots and lots and some of it gets really complicated especially if it goes to court but im trying not to think that far ahead yet. Its weird how people who bank with the same company (llyods) have completely different outcomes. Sometimes the amount is near enough the same but the procedure can be completely different in each case.

Well i will keep you posted and ask any questions if i get stuck. Thankyou

Tjunuk :)

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Hi tjinuk and welcome to CAG,

 

Unfortunately Lloyds do tend to hang things out as long as possible before settling.:(

Stick to your guns and the procedures set down on this site and you'll get the money back. Don't be afraid to ask any questions you may have. People are only too happy to assist you, as you will find out.:)

 

Good luck with your claim, you made the right decision!

 

Pondfish

LloydsTSB - Current Account claim £5,554 settled unconditionally 25.4.2007 :D

If the Pondfish has helped click his scales! ;-)

 

Please donate to this site if you can! :-)

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tyinuk, i know what you mean about things being scary my first letter to lloyds was sent on 8th jan and i've just sent my allocation questionaire to the courts cos they are not playing ball, but i think as long as you stick to your guns seen as this money you are claiming is yours by law then fingers crossed you'll get the outcome you want. good luck and i hope things go well for you

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Hi Steph

 

Thanks for that and coincidentally iv just been reading all your thread and todays post!!! (p.s. i know how it is with kids around..lol.)

I hope your case will be coming to an end for you soon. I look forward to seeing the post saying..yay...full setlement. Please hang around as i have a gut feeling im going to need advice along the way.

Tjinuk..:)

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Hi All

 

Just wondering if anyone can help me. I sent my letter off with a £10 postal order requesting my bank statements for the last 6 years. I sent it recorded delivery. This was a week agao and its still not been delivered as nothing as come up on royal mails site. At the same time i sent my daughters letter to her bank asking for refund of charges and this letter has been signed for. do you think the other one has been lost? If it has what do i do about it? Any help would be appreciated. Thankyou.

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Hi

 

Iv made a boo boo. Rushed around on Saturday to get the next letter off (LBA) and just realised that it wasnt signed. I have had no letter off them regarding the first letter i signed. Now im wondering if that was signed, im pretty sure it was? How do i stand on this? Do i need to send the same one again..The LBA one? this timed signed.

Also, i sent a letter SAR for my account, with a £10 postal order. Again iv heard nothing. But whats strange is i use recorded delivery and its still not showing up online as having been signed. This was 2 weeks ago. I have got a claim form from Royal mail and sent letter yesterday.

Shall i send them another or what to see what royl mail say first?

Thanks, cant believe i was so stupid!!Its my daughters account and i completely forgot to get her to sign it.

Tjinuk

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Hi

Have you tried ringing LTSB on the number I gave you about your SAR?

The Royal Mail Track and Trace is not always reliable.

Sorry I'm not sure about the not signing the letter thing.

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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  • 2 weeks later...

Hi All

 

Just an update on my daughters account. Had a letter today from andover...the usual sorry to hear blah blah. Do i now go ahead and claim online? this is the first response off them in 3 letters and nearly a month!!

The address i use in the MCOL is lloyds registered address..is that right??

I emailed regarding my closed account and someone got back to me and said i would hear within 5-10 working days..so just waiting for that.

Thanks for all advice, its much appreciated.

Tracie

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Hi Tracie,

If the 14 days you gave them in your LBA is up, you can start your claim through the courts. You can use MCOL or fill out an N1 form the choice is yours.

Yes the address you use is the registered address:-

 

Lloyds TSB Bank plc,

25 Gresham Street,

London,

EC2V7HN

Pondy :)

 

LloydsTSB - Current Account claim £5,554 settled unconditionally 25.4.2007 :D

If the Pondfish has helped click his scales! ;-)

 

Please donate to this site if you can! :-)

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Hi all

 

Well had another reply today saying they are looking into my complaint and should get back to me within 4 weeks. Well thats very nice but im still starting the court claim this Thursday when iv got the funds to pay for it...:) . I think this is another way to make you stall but having read all the other threads i'm not falling for it!!!

Have a great weekend all.

Tracie

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Hi All

 

Just starting to get my N1 form ready and not sure where to put the interest im claiming...i dont want to get it wrong..i know how to work out the daily rate..bt where do i put the 8% interst of £101.63

Thankyou

Tracie

 

Charges £1,410.00

Overdraft Interest £?

Interest under s.69 County Courts Act 1984 £?

Court Fee £xx.xx

 

TOTAL £ xx.xx

 

Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £xx.xx per day {(enter daily rate here - (CHARGES+OD interest)x 0.00022 = pence per day) }OR at such rate and for such periods as the court deems just.

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Hi All

 

Just starting to get my N1 form ready and not sure where to put the interest im claiming...i dont want to get it wrong..i know how to work out the daily rate..bt where do i put the 8% interst of £101.63

Thankyou

Tracie

 

Charges £1,410.00

Overdraft Interest £? This is the overdraft interest incurred as a result of charges, I dont think you are claiming this.

Interest under s.69 County Courts Act 1984 £? this is your 8 % interest.

Court Fee £xx.xx

 

TOTAL £ xx.xx

 

Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £xx.xx per day {(enter daily rate here - (CHARGES+OD interest)x 0.00022 = pence per day) }OR at such rate and for such periods as the court deems just.

 

 

hope this helps

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Hi Livelylad

 

no im not claiming the over draft interest(is that the contractual interest??)..

Thanks for that..i thought thats what it might be but wanted to know for sure.

Thankyou

Tracie :)

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Hi again

 

Another question. My claim is for £1,410.00 + 8% interest of £101.63 which equals £1,511.63.. The problem i now have is this..its over the £1,500 which means the court costs will be £250.00 and not £120. I understand you get costs back if/when you win but i dont have £250.00 spare until then. Would you suggest tweaking the costs so it does not amount to that much. With my 1st 2 letters i did not include £50 of charges they have taken today so if i leave that off it will be below...any ideas which way is best??

Thankyou for any help beforehand.

Tracie

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Sorry to hijack your thread but I recently did a claim through small claims and providing it's under £5k then it only costs £120, or have I missed something? I recently sent my LBA off and have diddly squat, they have taken the £10 but haven't sent any info on my statements so can't even get that information, now they are really peeing me off, I can't wait to file a court action, god they deserve everthing they get. Good luck tho, reckon it's going to be a long slog for us. x

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Hiya

 

Yes your right, thankyou. Im such a plonker, panicking and making sure everythings right!!! From £1000.01 - £5000 = £120.

There is so much to think about when filing, i dont want it thrown out for something iv done wrong...thankyou once again.

Tracie

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