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    • deal with it IF it ever happens...
    • Hi everybody else who has suffered from this terrible trader! I will post all of the details that I have found out about him - sorry, I got carried away by my rant. I need to look them up in my book, so will do it this evening. I have created a new thread - thanks for the advice.
    • Well, we have also been done by Yewtree Cars/James Harrison! We bought a Land Rover Discovery from him off a dealer site on 28th December 2020. He advertised it as 1 loving owner (true, I tracked him down on Facebook, really nice guy!)   throughout the advert WOW full dealership service history, WOW new cambelt, WOW new MOT, WOW full valet including decontamination clean WOW, WOW, WOW!!!   We paid £4500 for the car plus £280 for delivery from Solihull to Winchester. He sent 3 texts reminding us to ‘look after the delivery guy cuz he’s a top man’! Soon worked out that HE was the delivery guy!   They dropped the car off and scarpered. It was dark when it arrived, initial thoughts were it was disgusting inside. I have never seen such a filthy interior. He even left his sweet wrapper inside.   He drove the vehicle down to us (we thought that we were paying for a transporter). It was running on fumes, so we took it out to get fuel. Straight away noticed automatic gearbox slipping. Not a good start.   Next day messaged dealer asking for the receipt, twice, he said that he was in Dubai (in his dreams!) for 2 weeks but would send it when he got back. Before he delivered the car, he said that if we weren’t happy he would personally come and collect it.   Sent him a message (I like to keep proof of conversations) to say that we certainly weren’t happy and wanted to return it. His reply was - SOLD AS SEEN, YOU GOT A CHEAP CAR!   Thinking we would have to cut our loses, we had a new gearbox put in, only to find that the crankshaft had also gone and then the bottom part of the engine had to be replaced. Also the suspension at the front was leaking oil (mentioned as an advisory on the previous mot, which he said had been done). He forged an entry in the service book saying that it had just had a cambelt change (false Land Rover stamp), confirmed by previous owner and Land Rover.   So, after 8 weeks of being at the garage and £7000 - YES £7000! later we certainly did get a cheap car from him. Are we going to let this go? NO!   I have found out his real name and I am going to pursue him through the court until I get this money back. He is the worst kind of confidence trickster, a liar and a thief.   We will have no hesitation in scouring Solihull for him, whatever it takes.  
    • So for various reasons, which 'm happy to discuss and debate, largely driven by the available sites apparently being O/AZ, and with the 2nd dose being 10-12 weeks after the first O/AZ apparently giving very little protection from the new strains appearing O/AZ efficiency apparently being about 55-65% with one dose and Pfiser giving much better and wider protection from a single dose I'm NOT going for the O/AZ and giving up the chance of faster better protection from pfiser even if it means waiting a couple of weeks.    
    • @Andyorch   I didn't know that. Thank you.
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

The issues raised by Llloyds bank defences and claiming beyond 6 yrs


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Seems good to me

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Hi all! can someone help me out? i filed the papers with the court towards the end of May for £2200 in charges against LLoydstsb. they had untill 6 June to reply to the Court. spoke to the court today, they have not heard from LLoydstsb. does that mean i have won? sorry to sound dense............

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Hi, I have just received a response from Lloyds Bank to my bank charges reclaim letter. Their letter states that I am not receiving my claim as my charges were charges for "extra services" and they feel it is fair to make these charges as it "causes them extra work". They also claim that they are completely open about their charges to new customers by giving them a guide to their charges. The letter goes on and on about only applying to credit card charges and that the guidelines are about "default charges" that people pay when they have broken their agreement and that I have not broken my agreement with them. My charges are for unauthorised borrowing, unpaid direct debits etc.! They finish off by stating that they cannot agree to cancel my charges and that they will put me in touch with the Financial Ombudsman if I do not agree.

 

Could somebody please advise on my next move..... Help!

 

Many thanks to everybody for the information on this site!

that sounds exactly like the reply I received from lloyds today, so its probably a standard response.

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Hi Everyone, I have a copied this post from my other thread as I think I need some preety quite advice. from some very sharpe people. here goes.

 

I am back in court in 7 days over this blooming disposal hearing and although I have searched Google high and low I still haven't a clue what will happen. how can anyone go to a hearing and not talk:D :D :D from what I have read, if I want to rely on any evidence then it needs to be in court 3 days before the hearing due, that's tomorrow. I don't just want a monetary award from the courts I want my DI so unsure what he will direct. I also read on Google that the judge can change the track at this hearing if he thinks it should be allocated to a higher one :-| The reason I want my data is to not only claim all pre 6 yr chargers, I would like to prove that the loan given to me to consolidate my other loan and chargers was forced onto me due to them using my loan payments to pay unlawful chargers. Also I would like to know what happened to our PEP and Scottish Widows insurance policy and endowment policy that was mis-sold, we had loads going on with LTSB that I want to know what happened to all. Soooo at the hearing I don't just want to be awarded a small lump sum and that's the end of it, do you get what i mean? I need to be able to say that by not providing me with this info i have or will suffered a great financial loss. ( you only have to look at O/Hs loan, to prove this point, he would have paid this had it not been for the banks not providing a LA and Gary's help in sorting it)

Who has to supply the onus of prove, me or the bank.

what should I write which I will need to rely on in court to prove I have suffered a finacial loss by not having all my data documants.

any ideas?

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Hi Daz, I think It's under a thread called wayback machine by mastermind, sorry MM if it's not yours.

 

pen

 

My cousin mastermind is on hols, so I might as well answer for him. He is not guilty, he wasn't there, he has an alibi.

 

To research any topic, e.g. wayback machine,

click SEARCH

ADVANCED SEARCH

set keyword to wayback

show results as posts

 

And Robert is your father's brother.

 

 

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sorry mm

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Oh well, the day's arrived. I am in court this morning for my dispoosal hearing hopfully the judge will direct LTSB to povide me with all my S.A.R - (Subject Access Request) information so I can start claiming beyound 6 years and everything else they have deprived me off.

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Hi Eric.

I have wrote it all done on my thread pen-v-Lloyds Tsb, well worth a read.

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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  • 2 weeks later...

Hi guys ive been reading all the threads on the lloyds forum and i have a court date for the 27th of July which means i have to submit my domuments on or before the 13th. Now im a bit confused as to what i need to send in. Do i need to send in my full bundle now? it says that i need a signed witness statement which i must serve with the court in support defence of my claim. Is there anything else i need?

 

Also ive been reading about people submiting their allocation questionnaire. At no point can i remember anyone asking this of me. Have i missed something out? is it very important that i submit this?

 

Am i right in thinking i dont need to submit the full bundle just a basic one because its only its just the 'Notice of allocation ot the small claims track (hearing)? If so what should i include in this basic bundle???

 

 

Regards, Nathan.

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  • 1 month later...

Hi everyone.

Just a quick question.

 

does anyone know how much LTSB charged in bank chargers during the 70s and 80s.

 

thanks

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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  • 11 months later...
  • 1 year later...

Hi I have just managed to get statements dating back to 2001 from the Lloyds although they made me wait 76 days. What I am confused about is where I go from here, as I have told them I wanted to claim in 2008 & they said it had to wait until the court outcome. How do I now tell them that I want to go back to 2001, is it simply a letter or is it more technical.

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  • 7 months later...

Lloyds TSB refer to the Forced Lending as an 'unplanned overdraft'. They try to argue that you request an 'unplanned overdraft' whenever someone requests payment for funds that you don't have. Does anyone Know the consumer credit act in relation to Forced Lending. Can a regulated body such as Lloyds TSB force a person to borrow without that persons consent. Must they not sign a credit agreement before the loan can be enforced upon them, with the relevent cooling off periods etc.?

What happens when a loan is made without the recipients consent, can such a loan be recognised in law or is this illeagle?

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