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    • 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.  

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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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      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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Letter from Lloyds solicitors *WON*


boozed
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Hello all

 

Firstly thanks for all the useful information from the site's creators and contributors. I will cartainly be donating if i win my 1300 pounds back.

 

Second, if this belongs in the Lloyds section then please can a moderator move it. Thanks.

 

Ok, here it is. Only today I sent a copy of my AQ questionaire, with a sheet explaing why I had attached a draft order, to both the court and defendant's solicitors. By coincidence, when I got home I had received a letter from Lloyds' solicitors. I hope you won't mind me typing it here as I'm not sure what to do about it:

 

 

 

We act for Lloyds TSB

 

We have been passed a copy of the proceedings that you have issued against our client in Northampton CC.The bank will be defending these proceedings on the following grounds:

 

1. The fees that you seek are properly incorporated into your contract with your bank; and

 

2. By making payments (whether by cheque, debit card or any other means) from your account where you have insufficient funds to cover them, you are making a request to the bank for an increased overdraft, which the bank may meet or decline. If it meets your request, you must pay the neccessary charges. The issue of penalties only arise as a matter of law, where there has been a breach of contract, and there is no breach of contract here.

 

Looking ahead, a situation which gives rise to a dispute is not one the bank wishes to continue. In view of this you are requested, please, to make contact within the next 14 days with your local bank manger on 0845 3 000 000, to review your account. A review may be useful to consider whether your current banking arrangements are the most appropriate for your needs.

 

We await confirmation from the bank that action has been taken.

 

Yours faithfully

 

 

So, is this going to be call that shuts my account? An 0845 number doesn't seem to be the best way to get through to my 'local' branch manager?

 

Any advice will be gratefully received

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You have no reason whatsoever to call them.

 

Let the courts deal with the case and let their solicitors respond to the court's requests along the way.

 

If you have followed our guides for reclaiming, which you certainly appear to have done, there will be no problem.

 

Should they subsequently make threats of account closure, or indeed actually close it, let us know.

 

Good luck, stick to the plan.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Hi Boozed. .

 

There are some links below to help you. Have a good look around the Lloyds threads..

 

uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Also make an immediate complaint to the Ombudsman that you have been threatened with account closure in these circumstances.

You will need to write to the bank complaining and ask them for a final decision first.

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Only today I sent a copy of my AQ questionaire, with a sheet explaing why I had attached a draft order, to both the court and defendant's solicitors. By coincidence, when I got home I had received a letter from Lloyds' solicitors

 

The next day Without time to reply to the copy of the AQ and draft order I sent them, and just 1 day after they sent me the above letter, the solicitors sent me another letter to tell me they would pay the full sum, plus MCOL costs. There are a few conditions but they all relate to the future safe running of my account etc. etc., nothing really restrictive.

 

So this thread needs to be moved to the successes thread! I will PM a moderator...

 

:D:D:D:D

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