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    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
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    • 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.

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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi I have recently begun the process against Barclaycard, they own me £447 in total (partly estimated due to lack of information). I have received a letter back from them saying that the OFT have now declared £12 to be a fair charge so they are refunding me the difference between £12 and the charges I received which totals £141 (actually they are incorrect - it totals £153, but that's by the by!). So what do I do next? Do I continue as normal and send LBA? Any ideas?

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Hi,

 

carry on to the LBA, unless Barclaycard have sent your proof that it costs them £12, they cant charge you even that amount (and the OFT only said an amount over £12 is where they would get involved, not that it is fair!)

 

 

 

 

 

 

 

 

 

  • Haha 2

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Would it be a good idea to mention this in the LBA? I need to accept the partial settlement (they have already credited my account) and let them know that I intend to continue with my claim for full amount of £447. Any ideas how I can word this incorporating the information about the OFT???:-?

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I note that you have failed to respond in a satifactory manner to my letter of the >.

 

Whilst I will gladly except your offer of > as partial payment, I shall proceed as previously advised if I do not receive the full amount requested.

 

Please also note that I object strongly to your misquote of the OFT, in that the OFT merely stated above £12 was the level in which they would get involved, not that £12 was a fair amount.

 

 

I now understand that the regime of 'fees' which you have been applying to my account in relation to late payments, exceeded limit and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

As you have failed to provide me with any proof that the charges are a true indication of the costs you have incurred in the administration of my account, I require repayment in full of this money.

If you have not replied with full payment of this amount within 14 days I shall proceed to make a court claim without further communication, this claim will include interest and court costs.

 

.............

 

 

Hope this helps!

 

:)

 

 

BTW - Have you requested contractual interest on your claim?

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Hi Thanks for this... Sounds good. Their initial 14 days are up on Monday so will use this then.

 

I have read quite a few threads on contractual interest and have found it difficult to get my head around. Not sure how to find out the contractual rate etc. Would it be too late to claim as I have already sent my prelim? Can you direct me to a thread that will explain things clearly?

 

Thanks

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Hi,

 

sorry for the delay, work 'net connection has been down today :eek:

 

Basically, for contractual you take (in this case) Barclaycard cash rate (think mine is about 27.9% apr) and add that to the amount owed in penaltys

 

So, if the penalty was charged on 2nd March 2003, you calc interest at (for example) 27.9 apr from that date

 

Amounts to quite a bit, and I've been succesful on 2 claims so far with that

 

I'm yet to take BC on, they are really messing me about over statements

 

I've now issued a court claim for Data Protection non compliance so we'll see what they make of that!

 

:cool:

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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could someone please clarify the contractural interest thing, are we within our rights to claim it, will it screw our chances if we do? confused!

 

I have had the standard barclaycard, we will pay the difference letter and will be sending my amended LBA tomorrow.

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Going for contractual interest cannot 'screw your chances'

 

The whole thing is based on 'mutual reciprocation' - basically meaning if they can charge you that rate then it should follow that whenn they have unlawfully taken money from you, you should be entitled to do the same!

 

The worst the court will do is knock you back to 8% section 69 interest, they will NOT throw out your whole claim

 

 

 

See here for info:

 

http://www.consumeractiongroup.co.uk/forum/general/18313-why-no-one-claiming.html

 

and here for an example:

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/26172-mindzai-lucid-lloyds-tsb.html?highlight=claiming

 

 

 

 

 

 

 

 

 

 

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Have already sent my prelim with some estimated charges as they did not fully comply with my SAR:mad: . Now Barclaycard have sent the rest of the information through, how do I amend my LBA accordingly? Any ideas on how to word it?:confused:

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Type the additional charges on a seperate spread sheet with a covering letter and send LBA with both sets of shedules and ameneded figures:)

 

AL:wink:

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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benn refunded the difference between £12 and their charges and gone onto the remainder of the fees? Just want to know what will be the likely outcome of my claim...

 

This is a standard tactic they use to try and fobb you off, just continue to reclaim the whole amount. They will settle in full.

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  • 1 month later...

I entered my claim on MCOL and it was aknowledged by Barclaycard on 07/03/07 I haven't heard anything since. Am I correct in thinking that if I do not hear anything by Wednesday (when the 28 days are up) that I can ask for a judgement for payment and that is the end of it??? (assuming they pay promptly)

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You should look here before making any decisions about default judgement.

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html?garpg=13

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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  • 2 months later...
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