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    • Appreciate the time that has gone into replying. I have read so much about this tonight that hopefully I can be a step ahead.  If I gain a reply from the head office I shall let you guys know. 
    • yep. they are all simply trading names of perch to try and scam people into thinking their debt is going up some kind to mystical legal chain...which is BS. all dca's pull these stunts and have done since the late 1970's
    • just type no need to hit quote. what you really need to do is forget about it now they have  just steer clear of THAT ONE STORE for a few months. other B&Q's are OK. even if you do go back in, they'll simple ask you to leave, then if you return again, could invoke trespass laws BUT WE HAVE NEVER SEEN IT HERE. as for getting out of your tree about police, prison, criminal record, arrested, knocks at doors, letter of claim....NONE OF THE CAN EVER HAPPEN. and has not on these joe public low level shoplifting incidence since 2012. you've already got a scary letter ratchetting on about some mystical FAKE civil restoration scheme .  you'll probably get a few more ...NOTHING THEY CAN EVER DO. bin shred burn give to your pet hamster any money people pay CRS/RLP/DEF etc regarding their letters goes straight into their pocket and off they go down the pub and LAUGH at people they mugged. the retailer never sees a penny.  i admire your action of send £5 to B&Q. its done now and its over with....move on with your live. dx
    • 4.  Under The Pre-Action Protocol 201?, a Debt Buyer must undertake all reasonable enquiries to ensure the correct address of a debtor, this can be as simple as a credit file search. The Claimant failed to carry out such basic checks. Subsequently all letters prior too and including ,The Pre action Protocol Letter of Claim dated 7 January 2020 and the claimform dated 14th February 2020 were all served to a previous address which I moved out of in 2018. 9.   The claimant failed to comply with the additional directions ordered by District Judge Davis on the 2nd February 2024 'The Claim shall be automatically struck out at 4pm on 3 April 2024 unless the Claimant delivers to the Court and to the Defendant the following documents.' None were received by the court nor the defendant by that date. re: 13 & 15...they dont need to produce the deed, thats a private b2b document only the judge can demand sight of. i would remove 13 totally as within their WS they have produced the Notice Of Assignment. and delete it from 15 a few ideas. dx  
    • Underp04 (I think it was him) put up the statement IDR used in court from some supposed expert mr edge. can you find it? It stated 10 years was the statute barred limit but also that the laws were very confusing. very much worth digging out!
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like

Bond vs Lloyds ** WON**


Bond007
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because no one has posted on it for the last 6121 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

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Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I've just received the list of charges, (on the 40th day). But I Don't know where to send the preliminary approach for repayment letter to. So can anyone help with an address please. The charges came to just under £5000 so I want to keep the turn around of letters as quick as poss!!!

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Hi Bond007

 

Sent my prelim to

Customer Service Recovery Centre

125 Colmore Row

Birmingham

B3 3SF

 

send recorded delivery suggested.

 

But I belive some people have taken a letter direct to the branch, but you would need the branch to sign a copy of the letter for you to keep as proof of receipt for your records.

 

Brasic

EDIT: Michael Browne beat me to it. I'm not repeating info that was already there!

Brasic and Lloyds TSB

Followed the guidance on the site and won :D

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  • 2 weeks later...

received my very own 'go away letter today' but a part of the letter said that the default charges don't apply because it was my request to go over my overdraft limit (news to me!). is this just a normal reply for them and they're trying to make me think its my fault?

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  • 2 weeks later...

Need some help please!!!!

just filling in the claim form online and it asks for the particulars of the claim, and i'm not to sure what to enter. Because I don't really want to do anything wrong at this stage.

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Hi

I sent off request for refund of charges on 18 April, and receiving no reply sent off LBA letter on 4 May, sending both to head office in London. However on 5 May received a letter from Andover Service Recovery Centre along the same lines of previous posts I have read here - i.e. bog off. Not sure if I should respond to Andover letter or let things go the course and issue claim after the 14 days are up.

Help please

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Hi

I sent off request for refund of charges on 18 April, and receiving no reply sent off LBA letter on 4 May, sending both to head office in London. However on 5 May received a letter from Andover Service Recovery Centre along the same lines of previous posts I have read here - i.e. bog off. Not sure if I should respond to Andover letter or let things go the course and issue claim after the 14 days are up.

Help please

 

Hi

Start the Court claim, make sure you have given them the 14 days first.

If you start up your own thread we can answer any questions you may have on it.

Good luck!

Barty:)

  • Haha 1

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Sent my LBA of on the 26/04 (recorded) but good old royal mail dont know where my letter is (they say either lost or just delayed) :mad: as the banks time would of been up tomorrow do i go straight ahead in filling a claim or do i have to send another LBA so they cant say I havent given them proper warning. (Royal mail said it could take another 2 wks to find where previous letter is)

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Thanks Barty, however do not know how to start my own thread, can you advise please,

 

Hi

Click on here:

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/

Scroll down a little bit until you see a bluey/grey box that says "New Thread", click on that, call your thread "Blackbelt V Lloyds TSB" or something, then away you go. You can ask any questions on there and we can see what stage you are up to.

Barty:)

 

 

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html I WON!!!!:D :D

If I have helped, please click my scales:)

  • Haha 1

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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  • 2 weeks later...
  • 2 weeks later...

Just recieved my notice of issue from Exeter court. Lloyds have untill 13th june to reply. So do I just sit and wait or can I be getting anything ready for when they finally file a defence. (I hate the waiting game!)

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