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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • Madmart58
      Lost items sent through Parcel2Go and EVRi

      By Madmart58 · Posted

      Thank you very much for your letter in regard to the above mentioned shipment.  Due to the high volume of parcels coursing through the courier network each day, undergoing continuous processing and handling, certain packages may experience delays or even can get lost in the course of this journey. Please note that due to the time that has passed, this shipment has been declared as lost.  I have today processed the claim and made offers to the value of £75 as a goodwill gesture without prejudice. I do acknowledge that you have mentioned in your letter that the value was higher, however, you did not take out any protection to that amount. The protection for this shipment was £20 and we will not be increasing our goodwill offer any further.    Please log into your account online in order to accept our offer. Once accepted, our accounts department will process the claim accordingly. The claim payment will be processed and received within 7 working days.                                  In addition, a refund of the carriage fee will be processed as a separate payment and will be received within 3 working days.  If I can further assist, please feel free to contact me.   I have also just noticed that yesterday afternoon they sent me an email stating that "after my request" they have refunded the cost of shipping. I did not request the refund so will mention that in my letter as well.
    • Angryman1404
      IDRWW letter and email received this week

      By Angryman1404 · Posted

      Hi I had to leave Dubai back in 2011, during the financial crisis. And only now have I received a letter from IDRWW. Is this anything to worry about about as I have 2 years left until it’s been 15 years(statute barred in Dubai). Worried as just got a mortgage 2 years ago. Could they force me in to bankruptcy? Red lots of different threads on here. And unsure what true and what isn’t. 
    • honeybee13
      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

      By honeybee13 · Posted

      Not that TOR will see this now he's thrown in the hand grenade. Rayner has plenty of female supporters on X, for a start. As for the council and HMRC, fair enough and I thought Rayner was already in touch with them. That's where it should be dealt with, not the police force. @tobyjugg2 Daniel Finkelstein thinks the same as you about tax. The Fiver theory. How the Fiver Theory explains this election campaign ARCHIVE.PH archived 28 May 2024 17:36:51 UTC  
    • London1971
      Lowell/Overdales Claimform - old Cap1 Debt

      By London1971 · Posted

      Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
    • theoldrouge
      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

      By theoldrouge · Posted

      So Rayner who is don’t forget still being investigated by the local council and HMRC  is now begging to save her seat Not a WOMAN in sight in this video other than Rayner  Farage is utterly correct this country’s values are non existent in her seat   Rayner Pleads With Muslim Voters as Pressure From Galloway Grows – Guido Fawkes ORDER-ORDER.COM Guido has obtained a leaked tape from inside a meeting between Angela Rayner and Muslim voters in Ashton-under-Lyne...  

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Claiming beyond 6 yrs - important new information!!!

BankFodder

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Mendipman1

Mendipman1

Posted
Posted

BANKFODDER

 

We laity require some direction, pace The Times, 27 April 'OFT to examine service & fees'. Presumably The Consumer Action Group, a principal consultee?

 

Have you considered, a electronic link ten-plate for your membership to similarly engage?

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lincsman

lincsman

Posted
Posted

Just received my statements from Lloyds and had originally requested statements for past 6 years from the date of my letter.

 

The letter they have sent with the statements states:

 

"Please find enclosed details of charges going back to the date you opened your account, or 1st September 2001, whichever date is most recent.If you do feel you need further statements, this will take longer to access our archived data. Please let me know by returning this letter in the attached pre-paid envelope and I will order them for you.

 

*Please send any remaining statements prior to 1st September 2001."

 

Looks like they are expecting people to claim further back than 6 years doesn't it. Anyway sounds too good to be true.....but will have to wait and see!!!

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Glenn UK

Glenn UK

Posted
Posted
Dear Bankfodder

 

Please!! Please!! Please!! I am really hoping you will be able to advise us.

 

We put in an S.A.R - (Subject Access Request) for six years at the end of March 2007. Thanks to you and this excellent site we have now found out we can go back further. Can you advise us how to go about making a further request for the remainder nine years??

 

Many thanks and regards

Deeks

 

If you used the SAR template from this site you have already asked for the info for the while account history not that last six years.

 

If you used somoene elses SAR and it stated six years, you copy it and change it to say from the opening of the account up until six years ago from when you submitted your SAR.

 

HTH

 

GLenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Glenn UK

Glenn UK

Posted
Posted
Just received my statements from Lloyds and had originally requested statements for past 6 years from the date of my letter.

 

The letter they have sent with the statements states:

 

"Please find enclosed details of charges going back to the date you opened your account, or 1st September 2001, whichever date is most recent.If you do feel you need further statements, this will take longer to access our archived data. Please let me know by returning this letter in the attached pre-paid envelope and I will order them for you.

 

*Please send any remaining statements prior to 1st September 2001."

 

Looks like they are expecting people to claim further back than 6 years doesn't it. Anyway sounds too good to be true.....but will have to wait and see!!!

 

YOu could use the templates from the library reminding them they have xx days left for complaince of your origianl SAR, if you used the template from the site then you have already asked for all your info and you are entitled to it. This letter they send allows them to argue you didnt want your data if you dont send it back sharply.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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lincsman

lincsman

Posted
Posted

Did send the template letter from site but only requested six years info as thought that is all could claim for at time...lesson learnt.

 

The letter they sent with my INCOMPLETE statements (given as far back as Sept 01, so missing 6 months) stated if I wanted any further statements it would take longer as they are archived and "under the terms of the Data Protection Act, we are allowed up to 40 days to fulfill your request"

 

As I originally only asked for 6 years info I would like to tell them that I expect the rest of the missing data immediately as their 40 days is up or should I give them a further 14 days to send it all ??

 

Has anyone else done this??

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Perseus

Perseus

Posted
Posted

Hi lincsman,

I also received this 'fill in and return' form from lloyds.

I returned it, with a covering letter, telling them that I specifically requested ALL info for the account history, and their use of the microfiche arguement has been received as a deliberate attempt to frustrate and delay my legal right to that information.

I gave them 7 days on receipt. Received 8 days later!

Be firm.

 

Pers

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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noomill060

noomill060

Posted
Posted

In bankfodder's opening post on this thread he states:

 

"In the case of the Yorkshire and Clydesdale (and presumably the Northern bank as well, as they use the same CYNthesys system)banks we would suggest that even where claimants have accepted full and final settlements or have accepted compromise settlements that they should now go back for anything outstanding on the basis that the Whistleblower disclosures show that there has been concealment and that any full and final agreements are now vitiated by that concealment."

 

I wonder if this clear concealment also be used to vitiate a refusal to comply with a SAR?

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noomill060

noomill060

Posted
Posted

If one has written evidence from a bank that transactional data from yonks ago exists, but that it would take disproportionate effort for the bank to supply it, under your S.A.R - (Subject Access Request), would it not be simpler just to ask a Court to order the bank to supply it under an injunction?

 

It would cost a lot more, £150 or so, but clearly it would be well worth it, if that data revealed charges from many years ago, with many years contractual interest accrued.

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Glenn UK

Glenn UK

Posted
Posted
If Bong is correct in "Taylors v Nationwide 3rd time" AND If we are now using the Whistleblower information (how solid can we assume that is) as the trigger for s32 based action, AND if the banks have steadfastly refused to justify their costs, and defend themselves in court, since the cases referred to (AND since with due diligence, deep pockets and large legal divisions, the banks COULD have found that their charges were a penalty under common law) does that not give a new degree of credence to our claims of pre 6 years?

 

Personally i don't see Whistleblower as the crux of claims for use in sec 32. read the case law thats been quoted and make your own mind up. Certainly its good for claims against Barclays but other banks will simply say it wasn't me guv.

 

There are three parts to sec 32, and they can all be bought into play.

 

Bong, myself and loads of others have reclaimed charges significantly older than 6 years already before Whistleblower.

 

With a well prepared claim and claimant it should be no bar.

 

Having said all that there are tactics for us to use to make sure we get what we want.

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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PeterAnderson

PeterAnderson

Posted
Posted

lincsman - Many thanks for this. I received the same letter yesterday and never spotted the word OR between when you opened your account....OR 1st Sept. Been busy all day entering my data onto Vampire's SH and it looks like £20k+

 

Many thanks again - another letter, more delays, they sent in the info at 35days, so I guess rather than wait I will split the claim up into bits -;;))

If you think this post has been of help, please click on my SCALES on the left - thanks :-) :-x

 

Peter Anderson

Me Vs Morgan Stanley - WON £490

Me V's LTSB - Private & Bus Acc - £18.8k (since Oct1997)

inc: S.69 Interest (and growing daily) -;)

Please remember to DONATE when you have WON

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Lewt

Lewt

Posted
Posted

hi imgoingtoget allcharges back from hsbc, but the only info i have is the address i used to live at, i know this should'nt be a problem as i have done this with a couple of other banks. but is there a template for this?

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TANZARELLI

TANZARELLI

Posted
Posted
hi imgoingtoget allcharges back from hsbc, but the only info i have is the address i used to live at, i know this should'nt be a problem as i have done this with a couple of other banks. but is there a template for this?

 

 

I would go into your local branch and get them to give you the account numbers etc, HSBC did for me.

 

Tanz

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smiffie

smiffie

Posted
Posted

Hi,

I need to answer a question from Cobbetts, they have said: Witout prejudice to the non-admission set out in the foregoing paragraph, if and to the extent that the Claimant proves the allegation that the Defendant debited charges to the Claimants bank account, insofar as such charges were debited on a date or dates more than six years prior to the issue of the claim, any remedy in respect of the same, whether damages, restitution or otherwise, is barred by the operation of the Limitation Act 1980 and/or the doctrine of laches and the Defendant will apply to strike out this aspect of the claim and/or for summary judgement.

 

Can anyone tel me what they are asking for and what do I need to supply to court for proof.

Any help would be appreciated. Many Thanks

smiffie xxXxx

Smiffie

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Muffintop

Muffintop

Posted
Posted

Anyone claimed more than 6 years from Nationwide?skeggsy

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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dawny10

dawny10

Posted
Posted

I have had a read through this thread as I have an old Halifax account with charges but all are from 1999 and 2000 so more than 6 years ago.

 

As I understand it, claiming solely for charges over 6 years is unlikely to succeed as it hasn't been established in court that the charges are unlawful and they will go to court to argue this? But claiming for older charges along with those within 6 years may well be successful because they won't actually want to go to court in case the court decides they are penalties.

 

If this is the case, would people still recommend attempting to make a claim for charges that are all 6 years+? Whilst I don't mind attending court, I would want to be fairly sure of winning!

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Muffintop

Muffintop

Posted
Posted

hmm I can see how this would be more successfull but how would one guess the charges post 6 years? I guess they would have to disprove you, for example if you took your last 6 years as an average. I would like something more definate on this before I proceed with my next claim.

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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Muffintop

Muffintop

Posted
Posted

Can someone tell me how they get their threads read by other people? started a new new thread as the old one was an old case and so long dont think people will scroll to the end. really need some more advise onthe 6 year thing and cant seem to get any response. nationwide v skeggsy

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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Perseus

Perseus

Posted
Posted

Hi skeggs...

 

Copy and Paste the following in as a new reply in your old thread, asking them to have a look 'please'.

Anyone who is/has subscribed to your old thread will/should get notified of the new post in your old thread, see the link to your new one and click over...

Hope that helps.

 

http://www.consumeractiongroup.co.uk/forum/nationwide/86498-skeggsy-nationwide-claim2.html

Pers

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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AllNancy

AllNancy

Posted
Posted
Hello,

 

I've just read this post and my heart lifted,,,,,,would this apply to a bank account now closed? Also, I had paid hundreds and hundreds of pounds in costs on a regular basis to NatWest over ten years ago,,,would I be able to claim them back? That would actually change my life:) its so much money

 

 

So did mine? I was with Nat.West about ten years ago. I have no idea of the account number.........but I really would enjoy having a go at them. They made my life very difficult through just being inefficient.

 

How the heck do I start?

 

Nancy:eek:

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photoman

photoman

Posted
Posted
Hello,

 

I've just read this post and my heart lifted,,,,,,would this apply to a bank account now closed? Also, I had paid hundreds and hundreds of pounds in costs on a regular basis to NatWest over ten years ago,,,would I be able to claim them back? That would actually change my life:) its so much money

 

 

So did mine? I was with Nat.West about ten years ago. I have no idea of the account number.........but I really would enjoy having a go at them. They made my life very difficult through just being inefficient.

 

How the heck do I start?

 

Nancy:eek:

 

First of all read the Frequently asked questions here

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

DO READ THE STEP BY STEP INSTRUCTIONS !!!!!!

As you go on, you’ll also find this very helpful:

 

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html

You’ll then need to start your own thread;

Go to here:

http://www.consumeractiongroup.c o.uk/forum/

 

Find the name of the Bank your action will be against.

Click on it (the name of the Bank in Bold Blue)

On that page, you will then find a label saying "Forum Tools" (just under the list of page numbers).

Click on it. It will show you some options.

Firstly, it's a good idea to subscribe to the Forum ,as you'll then recieve updates from people in similar situatioins against the same Bank. So click on Subscribe. It will ask how often you want updates (Personally I like Daily).

Once Subscibed to the Forum it will redirect you back.

Hit the same button and choose "Start new thread"

Give your Thread a title eg: yourforumname v whatever bank

(choose how often you want updating by email if anyone posts responses in your thread)

 

Then your up and running !:-)

 

Whilst your there, you might want to take some time to have a look at some of the threads by people taking action against your same Bank, very helpful. Remember, any threads you want to follow, you can either choose the thread tools button, and choose subscribe to thread, or simply whenever you make a post in a thread it will automatically subscribe you to that thread.

On the main page I've posted above, you'll also find lots of highlighted "stickies", which have lots of very informative stuff in them too.

Once your ready to start , you’ll need to do a schedule of charges to submit to the bank, try this one:

http://www.zen122856.zen.co.uk/CompoundSheet_v1.9.xls

 

Best regards and good luck

 

photoman

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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alibobsy

alibobsy

Posted
Posted

I've seen claims on here where people claimed some current "6 yrs" and previous period as well. But has anyone had a claim settled for the current 6 yrs than gone back and claimed for the earlier period? We settled with RBOS for the last 6 yrs, but wonder if there is any point looking into the earlier period. Thanks guys

I've looked through the RBOS forum, but couldn't spot any claims exactly like our situation.

Thanks Ali

Btw I am no expert just give notes based on what I have read on here and other forums/sites, plus my own experiences and investigations.

 

All ccj's now dropped off file, 2 yrs to go to clear file.

All old debts either settled or made unenforcable.

 

RBS MPP-Full offer at 8 wks from first complaint

RBS Overdraft loanguard-full offer at 8 wks from complaint

Citicard ppi-with FOS finally paid 8 months after offer through FOS!

Capital one x2- with FOS

Monument ppi-with FOS

aqua x2 ppi-partialled settled still pushing for the rest

Black horse ppi-offers made and accepted except for one early loan they say no info held-still pushing for payment

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Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
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