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    • So, Sunak has managed to get someone to 'volunteer to go to Rwanda hasn't he? .. for just £3000 payment to the person plus 5 years free board and lodging isnt it? - cost to UK taxpayer over £300M+ (300 million quid+) isnt it? - Bargain says Rwanda, especially with all the profit we made privately selling those luxury chalets Bravermann advertised for us   I wonder how many brits would jump at that offer? Thousands? Hundreds of thousands? Lets see, up to 5 years free board and lodging and £3k in my pocket .. I'd go - and like that person - just come back if/when I get bored. First job - off to Botswana for a week to see the elephants.   Of course the paid volunteers going to Botswana are meaningless - Rwanda have REPEATEDLY said they wont take any forcibly trafficked people in breach of international law eh? Have they actually got any civil servants to agree to go yet - probably end up as more massive payments to VIPal contractors to go and sit there doing nowt shortly eh?    
    • Hi Wondered if I could get a little advise please. I entered into a commercial lease (3 years) and within a few months I had to leave as the business I was trading with collapsed. I returned the keys to the landlord and explained the situation and no money, also likely to go on benefits but the landlord stuck to their guns. They have now instructed solicitors to send letter before action claiming just over £4000. The lease was mine and so the debt. I know this. I have emailed the solicitors twice to explain I am out of work and that with help from family I could offer a full and final settlement figure of £1500 or £10pw. This was countered by them with an offer to reduce the debt by £400, or pay off the amount over 12 months. I went back with an improved full and final offer of £2500 or £20pw. This has been rejected with the comment 'papers ready to go to court'. I have no hope of paying the £4000 and so it will have to go to court. Pity as I have no debts otherwise but not working is a killer. I wondered if they take me to court, could I ask for mediation? I also think that taking me to court will result in a pretty much nothing per week payment from my benefits. Are companies just pushing ahead with action even if a better offer is on the table? Thanks for your help.
    • Hi all, Many thanks for the advice! Unfortunately, the reply to the email was as expected…   Starbucks UK Customer Care <[email protected]> Hi xxxxxx, We are sorry to read you received a parking charge after using our Stansted Airport - A120 DT store. Unfortunately, the car park here is managed by MET parking. Both Starbucks and EuroGarages who own and operate this site are not able to help and have no authority to overturn any parking charges received. If you have followed the below terms then you would need to send all correspondence to [email protected], who will be able to assist you further. Several signs around the car park clarify the below terms and conditions: • Maximum stay 60 minutes, whilst the store is open. If the store is closed, pay to park applies. • The car park is for Starbucks customers only who make a purchase in our store, a charge will be issued if you left the site. • If you had made a purchase and required additional time, you must have inputted your registration number into the in store iPad which would have extended your stay up to 3 hours • To park in a disabled bay, you must have displayed a valid disabled badge. • If Starbucks was closed, you must have paid for parking as charges still apply, following signage located on site. • If you didn’t use the store, you must have paid for parking, following signage located on site Please ensure all further correspondence is directed to MET parking at the above email address, and accept our apologies that we cannot help you further on this matter.  Kind Regards,  Lora K  Customer Care Team Leader Starbucks Coffee Company, Building 4 Chiswick Park, London, W4 5YE
    • Thanks HB edited and re-uploaded. Thanks for the heads up 👍
    • Am in the middle of selling my house but it's been held up as still showing a change on the property from welcome finance, have not had any contact from them for years or prime credit and need this sorting asap
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Smiley Scouser 27 v barclays


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  • 3 weeks later...
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Got a letter back within a week, basically saying 'We've got your letter but we won't be getting back to you within 14 days'.

Anyway, the 14 days have gone by, they haven't got back to me so I have sent them a letter before action.

I await their reply by 14th June.

Smiley Scouser v Egg : WON!!!!!:D

Smiley Scouser v Natwest : WON!!!! :-D

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  • 2 weeks later...

Oh Dear. Silly Barclays I got a letter from the court today saying that they've entered a defence regarding my claim of non compliance with the Dpa. They want proof!!! Where do I start? My letter from the ICO? Unbelievable, I have all the proof, they are not scaring me.

Smiley Scouser v Egg : WON!!!!!:D

Smiley Scouser v Natwest : WON!!!! :-D

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  • 2 weeks later...

UNBELIEVABLE!!!!! I received a letter today from Barclays addressed to a different name than myself, I opened the letter and it said "We are investigating a complaint that you made to The Information Commisioner about us but we cannot trace you by your account number or address, please give us more information".

I have sent a letter back basically saying "The reason you can't trace my name to an account number or address is because you are looking under the wrong name!!!

I have checked my reply from The Information Commisioner and they have used the correct name so if Barclays come back and say that The Information Commisioner sent them the wrong information then i'll just say "Well, isn't it strange that they addressed their letter to the right person!!!".

Smiley Scouser v Egg : WON!!!!!:D

Smiley Scouser v Natwest : WON!!!! :-D

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  • 3 weeks later...

I love it!!! It was Barclays last day tomorrow to file a defence & i've just checked Mcol & lo & behold, they have submitted a defence!!!

I now have to wait for it to be allocated to a court.

BRING IT ON!!!!!!!!!!!!

Smiley Scouser v Egg : WON!!!!!:D

Smiley Scouser v Natwest : WON!!!! :-D

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  • 2 weeks later...

I received a notice of Transfer of proceedings today from the court.

It says Case No : 13456

Between : Ms Anon

And Barclays Bank Plc

Before District Judge Murdoch

Sitting at Northampton County Court

 

Without Hearing

 

Date order drawn 12th July 2007

 

 

 

Barclays have put in their standard defence.( I won't bore you with it )

 

I am sending my Schedule of charges to Barclays Litigation Team tomorrow.

What do I send to the court or do I just wait,they haven't asked for anything.

 

HELP!!!!!!!!!!!!

Smiley Scouser v Egg : WON!!!!!:D

Smiley Scouser v Natwest : WON!!!! :-D

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Send a covering letter to the Court and Barclays, or,

you could just do the one letter to the court and c.c. it to Barclays Legal department level 29, one churchill place london. etc...

and say something to the effect that you are sending a 'further copy' of your statement of charges to the court and to the Defendant, re their defence.

 

Odd, usually the court ask for documents to be relied upon to be supplied 14 days before court date.

Comply with anything you are to do by the court, and in plenty of time. If you are in any doubt you could always ring the court for confirmation/clarification.

 

please note, any advice given is without predjudice and without liability. If in any doubt please consult a qualified legal practitionner.

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2 threads merged. Pleased post all of your progress on one thread as it makes it easier for other to advise, particularly if you have any problems.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Yeh I know it, you know it but i wanna check that the defence doesnt state the crud about the particulars etc..

Ole Scouse may have a 'standard defence' but might be std in the way that they are claiming insufficient POC's

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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Point taken... we must be careful... i put a comment on another thread that the POC's that are causing probs are from the other site

Yes ive noticed A LOT coming from the other siteS [not just Lewis's] are cutting serious corners.

Also MCOL are causing huge headaches, either losing or delaying claims......AND. AND the POC's used in MCOL are now deemed unsuitable cos they do not allow enough room to elaborate.

I'd suggest new claimants go straight to N1 forget MCOL.

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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lol...yep... but won't it cost £35 to change poc's?

 

I have heard some have been charged the fee but many are allowed to simply update the original, esp if originated from MCOl

 

Cases entered locally

 

If you find you have made an error in your particulars of claim, or you need to amend them for any other reason, after you have started proceedings but before judgment has been entered, you can only do so with either

  • the written consent of all parties to the claim or
  • permission of the court.

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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In a Nutshell :

 

1, POC do not provide details

2, POC are summary in nature

3, The defendant is entitled to charge the claimant for unathorised borrowing as per T&C's

4, The defendant's T&C's give the claimant a fair and transparent view of the terms and charges applicable

5, the charges are what the claimant agreed to pay via the T&C's

6, the charges are not in breech of the unfair terms in consumer contracts reg 1999

7, therefore, charges were not unlawfully debited

8, charges were incurred when the claimant went into overdraft without agreement

9, the charges are lawful enforceable

10, if the charges is incorrent then the claimant cannot claim for any charges before 2001 as per limitation act 2001

11 In the alterative and without prejudice to matters stated above, if (which is denied) the said charges and interest or any part thereof are unlawful or unenforceableas alleged by the claimant or at all, and the charges were a consequence of the breach of contract by the claimant, the defendant has nonetheless suffered loss & damage as a consequence of such a breach of contract in allowing the account to go into an unauthorised overdraft. Accordingly, in the event that the defendant is unable to rely on it's express entitlement to enforce the charges as set out above, it will seek to recover to the extent necessary such loss and damage as it actually suffered, which will not necessarily be limited to the value of the said charges, and the defendant seeks to set off such sums against any liability owed hereunder to the claimant.

 

(Very confused by the last bit, that's why i've typed it word for word)

Smiley Scouser v Egg : WON!!!!!:D

Smiley Scouser v Natwest : WON!!!! :-D

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