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    • I haven't heard of them asking for photographic evidence in this way before – but I don't think it will really pose a problem. Have you got a history of sending parcels which were then lost and you had to claim for? When you send your letter of claim? Was the item properly declared? Was the item correctly valued? Please answer these questions and then take at least a couple of days reading very thoroughly the stories on this sub- forum. There are lots of them. Read some of the pinned topics at the top which will explain the principles and then read the stories to see other people's experience. Post up your letter of claim in PDF format so we can see what you sent.  
    • Just to clarify - it was the lender who undertook works, not me.  They racked up huge huge sums in refurb costs - which were completely unnecessary.  They have been trying to charge all the costs to me.  Of course, I refuse to be held accountable - in my defence and counterclaim.   (I refuse to  be held liable for these works costs whether vat was or wasn't added - I maintain its the lender that must cover the costs).  It was a ridiculous sum of money and made no difference to their ability to sell either.  As its still unsold.    I can see - from disclosure paperwork - that the lender ceo uses this contractor all the time on other properties - for himself and for the bank.  The payer may not be responsible for the contractor's failure to add vat - but the ceo can clearly see it's not being charged - and again and again on all his jobs.  So he is complicit even if not guilty of the actual fraud.    I admit I'm angry with them. The sheer injustice and arrogance (that they could/ can do whatever they want and get away with it - has been astounding.  It's why I have fought so hard to get justice.  This particular issue is just another niggle.  They think they are above the law; can circumvent it - with no consequences / repercussions.    Thank you dx for pointing me to the link. I will now follow that up
    • 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
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      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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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2 letters sent and still nothing


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hi all

 

i have sent the first 2 letters from this site (rec del) and the time is up tomorrow.

 

To date I have not had a reply an acknowledgement or anything.

 

Do I just proceed to court action now??

 

and am I right that I use Lloyds Tsb registered address on court forms??

 

any advice must appreciated.

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Well, you may have to fill in the form, but probably unlikely to see the inside of the courtroom! I think everyone feels like that when it gets to this stage, so first, you are definitely and positively not alone! And second, just keep coming back on here with any questions, and you will get all the help you need.

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Don't worry jodes, it's not as bad as you think. Whether you are going to use MCOL or file and N1 you'll find all the info you need in the Bank Templates Library. Also MCOL has very good explanations of the procedures there, and if you file an N1 I think I've only ever heard good things about how helpful the staff are in court offices.

 

Good advice from Ladybird too.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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i mean't to put street, sorry.

 

managed to find out where to send the charges for MCOL from looking at threads.

 

Any idea what I am to expect now, from what I understand they will file a defence and then something about AQ's??

 

not sure I understand that.

 

Will I get something through the post or will I just be ignored as Lloyds tsb have yet to answer a single letter that I have sent.

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Hi

Right they have 14 days form when the claim is served (it is served about 5 days after you have filed it, so 5 days from today) and 28 days form when the claim is served to enter a defence. You will be told when both of these have happened on the MCOL website and you'll get a letter in the post.

When they defend, you will get a copy of their defence and an Allocation Questionnaire to fill in. These couple of links should help you with that:

http://www.consumeractiongroup.co.uk/forum/general/57708-draft-order-allocation-questionnaires.html

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

 

Good luck, let us know how you get on.

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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i mean't to put street, sorry.

Just making sure they have no excuses to stall!

 

managed to find out where to send the charges for MCOL from looking at threads.

 

Any idea what I am to expect now, from what I understand they will file a defence and then something about AQ's??

 

not sure I understand that.

 

Will I get something through the post or will I just be ignored as Lloyds tsb have yet to answer a single letter that I have sent.

 

 

Yes, they will no doubt file a defence (don't think they have ever not!) and then the court will send you an Allocation Questionnaire (AQ). This basically is so that the court can allocate a set amount of time for your case/you let them know if you are not available on certain dates etc .So that you can be prepared for this read the FAQs and Basic Guide - shout if you need help but I am also at the same stage as you although I filed an N1 (the paper based version similar to MCOL).

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send 2 coppies of your charges to the court manager with this covering letter

 

The Court Manager

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

 

Dear Sir/Madam

 

name –v- Lloyds TSB Plc

Claim No: (claim no)

Date Issued: date

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(amount of claim).

 

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

 

Yours sincerely,

 

you will receive a notice of issue in the post with a date in which they will respond this notice has guidelines on how they will respond. for me they have untill the 16th of april. if you receive an acknowledgment from the bank you need to send a copy of the charges to there soliciter which is kS&M although i dont know there adress as yet

 

smudge

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hi all

 

my claim was issued on the 2nd april, there is a little box at the side of my claim saying judgement - start.

 

i am really curious but daren't click on it in case i start something with it, what is it??

 

anyway a day after claim is issued we finally got the standard fob off letter from alan burgess.

 

i guess i'm just a little relieved that they eventually replied and that we wasn't being ignored, even if its not the response we wanted.

 

i suppose all we have to do is wait now.

 

no longer anxious at all now i just can't wait.

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  • 2 weeks later...

Hi Jodes

 

In total they have 28 days from when the claim was served in order to file a defence. You filed on 30th March so they have until around the start of May

 

skb

Victory over Lloyds £890

Click!

Victory over Vodafone: default removal

click!

Victory over Lloyds PPI claim £2606 click!

Barclaycard lazygoing - £580 + £398 contractual int at 17.7 % click! (Received partial payment £110 21/11/06)

The GF's battle against RBS click! stayed awaiting the end of the world

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it said on my form it was served on the 7th april, really confusing.

 

i expect i will receive something through the post, i don't know.

 

3 kids off school wi chicken pox, no sleep, i've got brain freeze.

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In that case deadline is 5th May. I would expect you to receive their standard defence somewhere around then, give or take a couple of days.

Are you sure its chicken pox and not 'dont want to go back to school after easter pox'

 

skb

Victory over Lloyds £890

Click!

Victory over Vodafone: default removal

click!

Victory over Lloyds PPI claim £2606 click!

Barclaycard lazygoing - £580 + £398 contractual int at 17.7 % click! (Received partial payment £110 21/11/06)

The GF's battle against RBS click! stayed awaiting the end of the world

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In that case deadline is 5th May. I would expect you to receive their standard defence somewhere around then, give or take a couple of days.

Are you sure its chicken pox and not 'dont want to go back to school after easter pox'

 

skb

 

 

lol, no definitely chicken pox, definitely brought a smile to my face for the day.

 

cheers for that.

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