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    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took pictures of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? Appreciate any assistance - Thanks for reading. Al.  
    • its not a good thing or a bad thing its ongoing. mines gone the same route. these new notifications are equally meaningless.
    • Shein has been linked to unethical business practices, including forced labour allegations.View the full article
    • Hi I have to agree with @unclebulgaria67 post#3 For the funding side of moving to a new area and it being private supported accommodation I would also suggest speaking to private supported accommodation provider about funding but also contact the Local Council for that area and have a chat with them about funding because if you are in receipt of Housing Benefit certain Supported Accommodation that meets a certain criteria is treated as ‘exempt accommodation’ for Housing Benefit purposes but you need to confirm this with that relevant Council in your new area especially since it is Private Supported Accommodation as each Council can have slightly different rules on this. If you have a certain medical condition look up the charities and also have a wee chat with them as they may be able to point you to different Grants to assist with moving costs and your question about funding for private supported accommodation as well.
    • Hi Just to be clear a Notice to Quit is only the very start of the Housing Association going down the Eviction route there is a long process to go. Also to be clear if you leave at the Notice to Quit date only and go to the Council claiming you are Homeless they will more than likely class you as Intentionally Homeless therefore you have no right to be given temporary housing by the Council. The only way that works is when the Court has Granted a Possession Order then you can approach the Council as Homeless with the Court Order. As for the Housing Association issuing the Notice to Quit because there investigation has proved it's not your main residence but you have witness statement to prove otherwise. From now on with the Housing Association you need to keep a very good paper trail and ensure to get free proof of posting from the post office with anything you send to them. You now need to make a Formal Complaint to the Housing Association and please amend the following to suit your needs:   Dear Sir/Madam FORMAL COMPLAINT Reference: Notice to Quit Letter Dated XX/XX/2024, Hand Delivered on XX/XX/2024 I note in your letter that you stated that the Housing Association has carried out an investigation into myself and came to the conclusion that I am not using this property as my main residence and have evidence of this and have therefore issued a 'Notice to Quit' by XX/XX/2024. I find the above actions absolutely disgraceful action by the Housing Association. 1. Why have I never been informed nor asked about this matter by my Housing Officer. 2. Why have I never been given the opportunity to defend myself before the Housing Association out of the blue Hand Delivered a Notice to Quit Letter. 3. I have evidence and witnesses/statements that prove this is my Main Residence and more than willing provide this to both the Housing Association and the Court. I now require the following: 1. Copy of your Complaints Policy (not the leaflet) 2. Copy of your Customer Care Charter (not the leaflet) 3. Copies of your Investigation into this not being my main residence.    As well as the above you need to send the Housing Association urgently a Subject Access Request (SAR) requesting 'ALL DATA' that simple phrase covers whatever format they hold that in whether it be letters, email, recorded calls etc. The Housing Association then has 30 calendar days to respond but that time limit only starts once they acknowledge your SAR Request. If they fail to respond within that time limit its then off with a complaint to the Information Commissioners Office (ICO).     
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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.

      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.
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      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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HSBCrusher v HSBC - The Battle continues.. claim 4 ready to go!


HSBCrusher
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hi. i just used the 0.00022 calculation for interest on 7942 and it comes up at 5101.94. can this be right???

 

This confused me originally.

 

However you need to to this: 7942 x 0.00022 = 1.74724

 

So,the daily rate of interest is: £1.75

 

Hope this helps!

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Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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oh, ok - no prolem!!

 

It took me ages to get my head around it at first, lol.

 

glad you're sorted now!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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glad its sorted chilli.

 

anyway, just been on the phone.

I had a letter from everybody's favourite listening bank.

I changed over all my dds 3 weeks ago, but a load of them have just been taken from this account, and then returned. Que- loads of charges. In fact I have had (wait for it) £520 worth of charges since I had my first refund, most of them in the past 3 weeks!

So, and this might be BAG history, I have claimed for the 3rd time from one bank account!

The account is to be closed, so I have offered to pay up the remaining overdraft minus charges and call it even. They will get back to me tomorrow.

I will be having a bit of fun with HSBC, watch this space.:D

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  • 2 weeks later...

Hi you mentioned you are negotiating paying back the overdraft minus the charges, what if they where all charges on the overdraft? do you still have to pay it back when presumably you have been given the charges back in your claim. Sorry to be vague but I would like to make it clear in my mind.,say for example your overdraft is £1000 made up of charges and intrest, they repay you the charges and intrest via their solicitors are you then liable to pay back the overdraft using the money they have refunded to you?

Many thanks for your patience.

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I used the 0.00022 calculation, it works fine, about 75p per day on three and a half grand.

 

I've added up all my charges, and I'm ready to send the request for money back tomorrow. I've never had an authorised overdraft - so is it still ok to charge the above for interest?

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Simon, you need to start your own thread and post any questions there , saying that the 0.00022% calculation is the interest on the amount you are claiming plus the 8% interest from the date you file with mcol

 

hope this helps

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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so hsbc crusher your claim was settled in just a month or am I being a bit thick here

HSBC - 11/9/06 - prem letter sent

19/9/06 - lba sent £3391 requested

5/10/06 - MCOL

17/10/06 - offer for £1600 on one account recieved

28/11/06 - Full offer recieved

 

Capital one - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent for £640

 

Lloyds TSB - 13/9/06 -letter asking for statements sent

17/10/06 - prelim sent fro £732

Lloyds TSB - 26/9/06 - prem letter sent - £391

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any luck with the latest Crusher?

 

and what happened with spiceskull and his over 6 year claim ?

 

am watching your thread with interest :)

HSBC

Prelim sent 1st aug

LBA sent 15th aug

MCOL issued 31st aug

offer recieved and rejected 5 sept

second offer recieved 3rd oct

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My claim took about 6 weeks start to finish. I still await a letter from the bank confirming or not confirming they will accept my offer to pay back the OD minus any charges. I am going to have to write another letter about that methinks.

 

I also have a bit of a plan I have put into action. I have sent off a new data request asking for details of all manual interventions concerning the closing of the account! There must be some records, and I have requested any notes, emails or other written correspondence. We all know that these accounts are being closed on the second claim, so the reason for closure isnt "commercial", it's because a complaint has been made a second time. As I assume they have not been expecting this request, I am expecting some quite "juicy" information, which I will have to use according to its content when it arrives.

 

I have been keeping this secret, so dont tell anyone;)

 

(I expect the letter any day now as the 40 days are up!)

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did you get it yet then? have read your thread with interest, ( also PMSL at illegal a sick bird *snort* ) am impressed that they let it get to a third claim tho just how stooopid are they?

me against the abbey Paid in full (donation made)

me against the woolwich Paid in full(donation made)

me against HSBC Paid in full(donation made)

 

 

beware the scrapbooker, for she has a long memory and sharp knives :lol:

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  • 2 weeks later...

OK, latest.

 

cant get any sense out of anybody I have talked to.

 

I have an OD to clear, I wanted to pay up less charges, they are not wearing that.

 

So, I have decided to pay it all up, and have let them know I will be claiming back the £700 or so charges inposed in the past couple of months.

 

In fact, this is going to prove to be lucrative for me because I will be charging the contractual rate of interest on what they have taken, and I recon there will be enough extra to take my wife out for dinner;)

 

Its all a bit long winded, but I wasnt getting anywhere fast, and they will still have to cough up these rediculous trumped up charges. Ooh, they make me mad :mad:

 

So, here we go, a third claim against one account, gotta be some sort of record I recon.

 

Oh, dont think the data protection issue has gone away.... it hasnt!

 

Crusher:D

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Hello there,

 

I am chasing HSBC not only for £1500 on my personal account but now started to action my business account. Does anyone know my alternative account is with first direct, will HSBC try to shut that account down also?

 

And am i right in saying that after my no response from spreadsheet and letter step i fire a warning shot across their bows (with letter before action) before filing with small claims court?

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If there is just the one claim on each account you should be OK, of course you never know.

 

If 14 days have passed, then its time for your LBA.

 

All the best with your claim, You are about a month or so away from your money, sooner if you are lucky.

 

Crusher:D

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  • 2 weeks later...

I have got a bit behind with this claim, but I have managed to get going with it again.

 

I have just sent this letter....

 

Dear Sir/Madam

 

 

ACCOUNT NUMBER: xxxxxxxxx

 

You have failed to comply with my Data Protection Act Subject Access Request dated 4 September 2006.

 

If you do not comply within the next 7 days I shall seek a Court order obliging you to do so together with damages at the discretion of the Court and without any further notice.

 

After notification of closure of my account I requested data relating to that closure, which is a reasonable request.

 

I require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evidence of that manual intervention in relation to my banking business with you over the past 6 years. I do not require bank statements as I have all this information already.

 

I am sure that you do not need reminding that it is a legal requirement for you to provide this information. I do not think the bank can take such an action as account closure without any internal emails or other communications, and I am entitled to see them according to the data protection act.

 

 

Yours faithfully,

 

love

 

Crusher XXX

 

 

Also, confirmation the account is closed arrived today, so a prelim has gone in for the 3rd claim against the worlds local bank.

 

har har

 

cough cough

 

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Looks like our 'friend' are getting lax with the 'provision of information'.

 

Due to my lack of Credit Card response, I'm looking for time this weekend to fill in the N1 form against them.:!:

 

Threads on this matter seem to be few and far between. If you've come across a few I'd appreciate a pointer. (Yes - I've got the template, etc - but I'd like to see how they tend to progress ;) )

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Yes, you are right, they are becoming very lax indeed. I understand that they do not really want me to have this information because it is likely to be dynamite.

 

There is a very distinct lack of threads about this.... I wonder why.

There was this from barracad about HSBC a while ago...

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/8922-hsbc-admit-they-profit.html?highlight=dynamite+barracad

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  • 4 weeks later...
Yes, you are right, they are becoming very lax indeed. I understand that they do not really want me to have this information because it is likely to be dynamite.

 

There is a very distinct lack of threads about this.... I wonder why.

 

I have a similar complaint to yours ongoing.

 

http://www.consumeractiongroup.co.uk/forum/smile/37708-has-happened-you.html

Smile:-The Ethical Bank:- Settled July 2006

HSBC:- Pre-lim sent 09/10/2006

LBA sent:-26/10/2006

Court papers issued:- 13/11/2006

Citifinancial/DLC:- Ongoing since 21st August. Now part of an OFT investigation into Debt Collection Practices.

I am only a Doctor of Love NOT Law. Don't blame me if me advice goes belly up!

:D (I will try to help all the same)

 

If i've helped, use the scales at the top to tell me how great I am!

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