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    • @bankfodder I will redo and attach once I've done school run thank you x
    • To add to the above, I think you are going to find it very difficult to challenge something like survey which to a certain extent is going to be a statement of opinion. In order to challenge it, you're going to have to get a corroborative opinion which means getting someone else to assess the property, says the survey report which you have received and to tell you whether or not it is flawed in the way that you think. I don't see any other way to do it. More complicated than that – if you do find that an independent evaluation of your report confirms your view that it is of poor quality, then probably you will need to get a second view as well. These independent assessments won't come for free and you may well find that you are having to pay the same amount again and again. Also, I can imagine that independent experts may be rather low to start contradicting fellow professionals. In terms of not paying off your credit card, you are getting into a very sticky position because the credit card company will turn on you and rapidly blight your credit file and turn it into a debt collection process. This means that you will find yourself in conflict not only with the surveyor, but also with your credit card company. If you want to do this, then you should pay off the credit card company so that there is no issue on that score and then get the necessary evidence before mounting a challenge. If you do any other way, you're going to find yourself with an accumulating assortment of problems which you will find it very difficult to deal with
    • Morning, I received confirmation from the court, a day after sending my defence to the court. It gives them 28 days to reply as standard. However, a few days ago I received a letter from SM, dated 22/4/21 but only arrived at the weekend? I’m confused, because it’s not asking me to make an arrangement to pay, and would have been sent before I sent the defence, but the wording doesn’t make sense. It’s sent after the claim was lodged by them, by about 3 weeks I’d say, but asking for me to make an arrangement to pay.  I’m assuming I don’t contact them, because then I’ll be liable for the whole amount?  Also, I had to acknowledge and defend the claim before this arrived, so are SM right to have sent this to me when they did? It seems strange that this is only the first letter I’ve received from them, which they send some time after sending me a claim form and after the deadline for replying to the claim. PS redacted this time! SM letter .pdf
    • Personally I would skip all the outrage of finding things amusing and insulting et cetera. As my own personal style but I would tend to keep the emotion out of it simply states actually that you consider that the requirements are intended to place a deliberate obstacle in your path and probably a breach of the data protection rules as they clearly have all the necessary information to identify you because they have been writing threats et cetera for some considerable time, not to mention correspondence with the FOS. I think I'd then point out that if they do exceed the deadline that not only will you bring an action on that basis but also that they have raised unlawful obstacles. I will try to keep it deadpan
    • BazzaS, My brothers life is ruined by Gp negligence, it should never have happened. Justice for my brother. Gps involved need to be investigated by approproiate medical bodies. If that means the Gp's involved need to be repremanded then be it. If it's happened to my brother, how many other people has the same thing happened/happening at the Gp practice involved. Maybe other patients in a similar situation have not raised the issue?   I've seen the entries online which show Gps name, date sleeping tablets were presribed, reason poor sleep, and possible agitation etc. This is the Gp's reasoning.   The pharmacy which sent the medication is also negligent by not providing medical instructions with the medicine. If medical instructions were provided. There is possibility his family would have read the instructions and seen urinary retention as warning and not given the medication.   BazzaS, The sleeping tablets precipitated pushed foreward urinary retention, it was going to happen sooner or later given the prostate issue. The sleeping tablets just made the urinary retention happen quicker. If it wasn't going to happen now it would have happened maybe in a few weeks/months time. The consultant said this. Does the below letter need more tweaking before its sent to the Gp asking for an explanantion?   Please can you provide an explanation why GP1 (name here) on xx/xx/xx, GP2 (name here) on xx/xx/xx and GP3 (name here) on xx/xx/xx prescribed (medication) to my brother? What was the reasoning behind the prescripton?          
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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
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jubaxt v cooperative-here we go-fingers crossed


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just a new thread to say i've sent my prelim off for £136.50 today-when do i count the 14 days from folks?

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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From receipt of your letter. If you have sent it by first class recorded delivery you can check Royal Mail online and see when the letter was signed for. When I sent my prelim, I calculated next day delivery and counted 14 days from then. I wrote in my diary the date the 14 days ended.

 

I have multiple claims and always write in my diary the organisation, the stage I'm at with them and end date, ie, 'Coop prelim 14 days up' or CapOne SAR 40 days up. This keeps me right on track ... :D

 

HTH

'Fortune favours the brave.'

 

 

 

 

 

 

 

Any advice given is purely on the basis of my own views and opinions and offered in good faith.

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If you sent it by special or recorded delivery count it from tomorrow. If not, give them a couple of days. You will get a standard letter back saying that someone will be in contact with you within 4 weeks. don't worry about this, if you have no reply within the 14 days, file in court.

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don't i have to send the lba first?

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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Hey Bolton1 not so fast on the trigger ;) Coop are miles nicer than other organisations I've come into contact with.

 

If no reply to prelim, send LBA before rushing straight to court. Letters work at this stage, you'll see ...:)

'Fortune favours the brave.'

 

 

 

 

 

 

 

Any advice given is purely on the basis of my own views and opinions and offered in good faith.

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thanks for that-not claiming a huge amount but have just sent sar to lloyds for £5000 ish-theyve hounded me over the last year whilst mum has been critically ill-so i hope what goes around comes around-payback

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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how far are you bolton?

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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I've read you thread and can see your perspective but my point is that Coop by comparison to others, ie Barclays who are absolute stinkers, are much easier to deal with.

 

Sorry that you had to file in court with Coop :( , could we continue this on your thread rather than hijacking jubaxt's as I'm really interested to hear what lead up to your claim.

'Fortune favours the brave.'

 

 

 

 

 

 

 

Any advice given is purely on the basis of my own views and opinions and offered in good faith.

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  • 2 weeks later...

got usual 4 week blah dee blah response to prelim letter back from coop this am-Lba will be winging its way on friday.lol

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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lba now flying by pigeon post to co-op-posted it recorded on 4th may-here we go waiting for another 2 weeks -then........

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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no news as yet-yawwwwwn

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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no news as yet-yawwwwwn

 

You'll get your money no worries :-D

'Fortune favours the brave.'

 

 

 

 

 

 

 

Any advice given is purely on the basis of my own views and opinions and offered in good faith.

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stilll no news-yawwn

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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stilll no news-yawwn

 

 

14 days from the date it was signed for. So, if you sent it on Friday 4 May it would not get to them 'til Mon 7 May which makes the 14 days expire on Sun 20. I should hazard a guess that you'll hear from them from Mon 21 May ... IMHO :rolleyes:

'Fortune favours the brave.'

 

 

 

 

 

 

 

Any advice given is purely on the basis of my own views and opinions and offered in good faith.

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a little concerned-sent lba to coop at balloon st on 4th may-checked with royal mail-surprised!-no record of delivery as yet.

concerned as my prelim was also sent recorded but arrived the day after posting-am i back to square one?

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

Link to post
Share on other sites

Don't worry about it. With recorded delivery many items will be received each day and only one is signed for, so fret not - it has been delivered. Wait 14 days and then proceed to court. This used to be unusual. Co-op used to cough up after 2 letters but they can't have the staff available to cope with us now!!

If my advice has been helpful tip the scales

 

West brom SETTLED

 

Halifax current SETTLED IN FULL

halifax curent (2nd) stayed. Visa - SETTLED

2nd visa LBA sent

halifax for the 3rd time. LBA sent

 

Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice

 

Sainsbury's - Awaiting court date

 

Co-op cc SETTLED IN FULL 2nd claim. Settled in full

 

 

National Westminster Settled in full. 2nd claim. N1 submitted

 

 

HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL

 

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hi-just been looking at mcol temolate-confused-it all makes sense except where is states not to incluse the blue bit in your claim????-i am claiming £4950 +(at the MO) about £700 which will be the 8% interest.

do i write in-return of the amounts debited of £4950;Interest per S.69 county courts act 1984 0f 8 %-£700 continuing at 8%...........-cant understand why its in blue and not red-am i dense?

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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Co-Op Bank is also a wing or part of the Coperative Whole sale Society which is merging or taking over United Cooperatives So at the mo there will be paper work all over the shop you may find they might just might

forget to do anything and you may win by default:cool:

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yawnnnnnnnnn-still nothing from coop and recorded delivery lba has not been signed-next step?-do i proceed with mcol or should i send another lba-how can i prove they received the original?

don't want to end up with egg on face

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

Link to post
Share on other sites

bump

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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Don't worry about it. With recorded delivery many items will be received each day and only one is signed for, so fret not - it has been delivered. Wait 14 days and then proceed to court. This used to be unusual. Co-op used to cough up after 2 letters but they can't have the staff available to cope with us now!!

 

Time to file using MCOL I would say. All the best, Sally

If my advice has been helpful tip the scales

 

West brom SETTLED

 

Halifax current SETTLED IN FULL

halifax curent (2nd) stayed. Visa - SETTLED

2nd visa LBA sent

halifax for the 3rd time. LBA sent

 

Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice

 

Sainsbury's - Awaiting court date

 

Co-op cc SETTLED IN FULL 2nd claim. Settled in full

 

 

National Westminster Settled in full. 2nd claim. N1 submitted

 

 

HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL

 

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just a tidge worried-if it goes to court i cant prove my lba was ever deliverd

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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if you sent it via recorded to a po box address it will not show as being signed for, you have already had a reply from the after the prelim letter so they can't argue they never recieved anything. I'm at the point where i am ready to file a claim, but i wil give them a bit longer, i am off on holiday next week and would rather wait 'til i get back to do the mcol.

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