Jump to content


  • Tweets

  • Posts

    • Yea but the annoying this is that they're not based in england so they won't even come. Just a 2mo delay for no apparent reason.
    • Hi dx, thanks. Yes actually, that is the case with this one! I've taken tomorrow off work, I need to review the whole binder for each of these and I'll refrain from further questions until I do just that. Just on hold for court ref Claim #2
    • 1. who knows... 2. not the whole A/C vanishes from your file on the DN's 6th b'day ...already carefully explain this. 3.yes 4.already carefully explain this.
    • if i remember rightly, long ago in one of the first drafts of the old proposed gov't overhauls, there was a listing of recommended 'charges' that inc wrong reg = £20. some PPC's implemented such changes in advance. then later as it looked increasing likely the new code was never going to be implemented after it's 1st review and another set of codes was to be debated they all quietly revert back .......... dx
    • Potentially it may not even get sold on? Just the default left for 6 years then gone? but if it is sold on ill get a letter from the DCA which is the notice of assignment? Sorry what is the different between a default notice and a default cal marker? yes, i may try and work arrangements out with the OCs after the breathing space but I'll see my circumstances then thank you again for all your help and patience, I really appreciate it and apologies If i am too fast or repeating myself.
  • Recommended Topics

  • Our picks

    • 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
        • Like
  • Recommended Topics

Ironman20082006v LloydsTSB


ironman20082006
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6156 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

hi everyone I ve just had back from LLoyds Tsb an acknowledgement thet are looking into my claim for £3000.Kerry Parfitt Andover

 

Theyclaim they will respond in a further 2 weeks.Having already given them 2 weeks to pay in full I presume I should send a second letter given them 7 days or legal action?

 

Or can you just go straight to legal action.?

 

I ve also got a business account with -did nt realise you could claim for charges there as well

 

Cheers

 

everyone:rolleyes:

Link to post
Share on other sites

  • Replies 57
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Ironman,

 

Don't let Lloyds dicate the timescale. Stick to the timescales mentioned in your letters. It is not your fault Lloyds cannot respond.

You should have given them 14 days to respond when you sent your preliminary request. If that time has expired, go ahead and send your letter before action. Then, if they have not refunded your charges after 14 days, then start legal action through the courts.

 

regards,

 

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! :-)

Link to post
Share on other sites

Thanx Barty just had in post letter back from lloyds blah blah refusing to cancel and refund charges

'oft has published guidlines which we are reviwing ......guidlines are for default charges as this doesnt apply to you as you have nt broken agreemnet these are prices for services in these excess overdraft situations'

 

Presumably this is a standard letter? My 14 days lba runs out next wednesday i still have to wait until then

 

Any guidance much appreciated

Link to post
Share on other sites

 

HI everyone read this in times today:D

 

New probe into UK bank charges

 

OFT to initiate a full-scale investigation, saying it has "real concerns" over level and frequency of bank charges

 

Robert Lindsay

 

 

The Office of Fair Trading (OFT) said today that it would be mounting an in-depth study of bank charges on current accounts after a five-month investigation determined that there were issues of "real concern" to customers.

The OFT revealed in September that it was to carry out a "short preliminary study" into current account bank charges, usually imposed when customers go beyond their overdraft limits.

John Fingleton, the OFT chief executive, said today: "The issue of bank current account charges is a matter of real concern to the banks' customers, and raises wider questions about competition and transparency of pricing."

He added: "The initial scoping work we have undertaken has demonstrated to us that this is not only an issue for those people who are being charged, but also for customers who are not defaulting on their bank accounts."

He gave warning that "a quick-fix solution is not the answer" because it could have far-reaching consequences in the long term.

Last April the OFT set out new principles over credit card charges after widespread public outcry over high charges for defaulting.

There has been mounting public concern over the high charges banks impose on customers for going temporarily overdrawn.

However, in a concession to the high street banks, Mr Fingleton said: "The UK retail banking market performs well in many dimensions, especially relative to international norms."

Link to post
Share on other sites

Looks like your in the same boat as me with Lloyds. I'm going to send LBA out first post 2moro haha

 

I think i should quote some of that stuff above in the LBA cos they obviously tried to blag me in the last letter.

*Court date set for 20th Aug*:eek:

*Lloyds TSB defence filed 14th May 2007*:mad:

*LBA sent 2nd April 2007*:cool:

*Prelim sent 5th March 2007*:D

*SARS sent 26th January 2007*:rolleyes:

Link to post
Share on other sites

was the mcol thing hard to do? I might have a look around the website so i know i have everything covered before the 14 days are up.

 

Good luck with your case mate! If they dont reply then you win automatic right? *fingers crossed*

*Court date set for 20th Aug*:eek:

*Lloyds TSB defence filed 14th May 2007*:mad:

*LBA sent 2nd April 2007*:cool:

*Prelim sent 5th March 2007*:D

*SARS sent 26th January 2007*:rolleyes:

Link to post
Share on other sites

hi Kevin

 

mcol was easy took about 10 minutes total.Only fiddly bit was getting within the charchter length

 

I cut and paste from this site the claim ,altering it for my account no etc

 

hopefully with easter coming they will overlook this and as u say automatic judgement

 

cheers

 

8)

Link to post
Share on other sites

Hi, Why are you only claiming 4 and half years. You know you can claim 6?

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

Link to post
Share on other sites

Hi

 

You do not have to submit your evidence (copy statements etc) until such time as you are preparing your bundle in advance of a hearing. At this stage you need only provide the schedule of charges.

 

John

  • Haha 1
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...