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    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS polled FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the and the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
    • Please go back and read my message posted at 10:27 this morning @jk2054. I didn't say that I wasn't going to provide documents, only that I will upload them to an online repo that I am in control of, and that I would share links to these. You shall still be able to read and download them no different from if they were hosted here. And, the issue I have is not so much with hosting, but using an online pdf editor to create a multi-page pdf, again I have discussed this that same message.
    • Thanks ,DX, I'd forgpotton about that letter and can't remember sending a SB letter. I must have left it and they did not chase. Unclebulgia. Yes several periods of no contact. Think its time for the SB letter . 
    • well if your not going to upload documents because you are too scared of your data being stolen and someone rocking up to you we are going to struggle to help you peoples energy data breach has nothing to do with a hosting site...
  • 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
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empowered vrs Lloyds **I've WON!!!!!**


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Prelim letter now ready to post on Monday. What a fantastic site this is chaps and chapesses - many thanks to all who have made it so informative and friendly. Have spent the last week researching and reading all posts and have found that you have to have tenacity and make sure everything is checked and treble checked! Worked through the statements and saw how much I have made for Lloyds shareholders - crikey, wish I was one!

But knowing my luck I will end up being a test case in court - however nothing to lose ...! Will keep you posted of results (if any!) as I know I will need a lot of handholding and reassurance along the way. Incidentally, is it possible to make further claims later for other Lloyds accounts, PPI on loans etc or do you shoot yourself in the foot with starting one action - any advice would be gratefully received! Oh boy, what fun this is going to be - this worm has turned!:p

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Hi

Yes you can do as many claims as you like, just make sure you that you don't sign anything saying otherwise when this claim gets settled.

Good luck, and if you need any help, just ask.

Barty:)

  • Confused 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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Thank you very much!:oops: I do try my best to help where I can, if it wasn't for this site I wouldn't have been able to get my boyfriend's charges back for him, so I want to give a little back.:)

Barty:)

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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  • 3 weeks later...

Have had reply from Andover to my prelim dated 29 Jan (signed for on 5 Feb) saying sorry about complaint etc but unable to trace my account with the details I have provided - what more do they need other than account number and sort code! Question is, if I reply today and send them a copy bank statement as requested , shall I redate and resend my prelim letter and start the 14 days again?

Thanks Debs :confused:

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[Looks like they're trying to fob you off.

 

Hi Barty - Hmmm... my thoughts as well! However will send them what they want in their kindly enclosed pre addressed envelope and stick to MY timeline. Funny though, because they managed to find my details to let me know today that I am a massive £1.61 overdrawn!

 

Debs

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  • 4 weeks later...

Little Lloyds must be rushed off their feet! Had this today in reply to my prelim

"As you know it is now four weeks since you told us about your concerns and ordinarily we would have hoped to have resolved this by now. I am sorry to say that despite our best efforts, we have not been able to do so yet. We will write to you again within the next four weeks, either with our response to your complaint or with an estimate of when you can expect it.

 

Thank you for your continuing patience."

 

Patience actually ran out yesterday when I sent my LBA:D

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HELP! Spready advice needed - have spent the last 3 days going round in circles! Am using the simple Excel spready in the bank templates library. Got on well entering info until I hit row 117 when the formulae stopped, so I opened another copy and entered details from the date when the first one stopped working (if you see what I mean). I now have two schedules with two totals, obviously for different periods of time. Is this OK for my N1 to just add the two totals together and send the 2 shedules or is there an easy peasy way to just add on the second schedule details to the end of the first one? Sorry if it is an obvious answer but have trawled through this site looking for answers and have never used spreadys before. Thank you so much! Debs x:eek:

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Hi Debs,

 

You can insert more lines into your first spready as follows:

 

At line 117 left click on '117' (its in grey on the left). This should highlight the entire row. Now right click on the '117' to bring up a pop down menu. On this pop down menu go to 'insert'. This will insert a new row.

Repeat this process until you have inserted enough rows for the rest of your charges (you can insert more than 1 row at a time but lets keep it simple shall we?).

You now need to copy the formulas from cells E116 and F116 down through the rows you have just inserted. To do this highlight both cells by left clicking on E116 and moving right onto F116. Release the mouse button and move the pointer to the bottom left corner of cell F116. The pointer should change from a white cross to a black cross. With the pointer showing as a black cross left click the mouse and drag the pointer down through all the cells you have previously inserted. This will put the appropriate formulas in E and F columns.

 

This should sort it for you. Check that the totals in C and F column update correctly, if not post back here for help

 

skb

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Victory over Lloyds £890

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Victory over Vodafone: default removal

click!

Victory over Lloyds PPI claim £2606 click!

Barclaycard lazygoing - £580 + £398 contractual int at 17.7 % click! (Received partial payment £110 21/11/06)

The GF's battle against RBS click! stayed awaiting the end of the world

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N1 posted to court on Thursday. Received Notice of Issue today (Tues), deemed served 21 March (tomorrow) and Lloyds have until 4 April to reply.

That was quick! Am so surprised with myself that I've got this far - very nearly bottled out a couple of times but husband doesn't believe I will get repaid - that's what spurred me on and reading all the success stories!:D

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  • 2 weeks later...

Yay! a partial success. Have received letter saying they "are prepared to reduced charges by £750 and waiving £70 of charges to be applied" "Please treat this letter as our final response" . At least some payback for the time being. This is for my personal account which will now have the rejection letter sent and start court action.My business claim is already at court stage. I rang the recovery centre to find out when it would be paid back (in my account tonight) on 01264 832238 as the other number on their letterhead is totally engaged.

This is getting quite fun now - have even got my old boss to start claiming back from HSBC. She asked her manager for a refund and he said to do the standard letter that everybody is doing so she is joining the merry band of CAGers!:D

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Notice of Acknowledgement of service received today from court - Llloyds defending (now there's a surprise!) Lloyds solicitors are Martineau Johnson in London. Are these any better/worse than SC&M?

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  • 2 weeks later...

Hey, thanks for contributing to my thread. I'm going to watch yours and see how it goes. I'm with SC&M and haven't heard of the Martineau lot. well GOOD LUCK!

 

Dee

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Have today recieved defence from Martineau Johnson. As my account is me t/a........ (sole trader business a/c) could somebody please cast an eye over the defence and reassure me that this standard!

 

1. The Defendent, Lloyds TSB Bank plc (the Bank) is a bank. It is admitted that the Claimant has been a customer of the Bank at all material times.

 

2. By opening a business account with the Bank, the customer enters into a commercial arrangement with the Bank for the provision of banking services. The Bank is entitled, as part of that arrangement, to charge for those services. At account opening a customer is provided with a Welcome Pack, which includes the Bank's charges leaflet. By using the account, the customer acknowledges that the charges are incorporated into the contract.

 

3. In the leaflet, in the section headed "Unauthorised Borrowing", the Bank explains that "if you overdraw your account or exceed an overdraft limit without prior agreement, a higher rate of interest is charged on this unauthorised borrowing. The Rate is displayed in all branches. We may cover the additional work involved in monitoring your account by charging the fees detailed below.

 

Unauthorised borrowing fee

We charge this when you first overdraw your account, or go above the agreed overdraft limit by £50 or more. There will be a further charge each time you increase the amount borrowed by £50 or more, unless a higher limit is agreed with us or until the account is within its existing limit or in credit. This fee will apply, for example, if you draw against cheques which have not fully cleared and this takes you overdrawn or over an agreed limit. £12.50 Unpaid item

 

We charge each time we have to return a cheque unpaid, or cannot pay a standing order or a direct debit, because there isn't enough money in your account. £30 for each item not paid"

 

By a letter of June 2005, the Bank gave notice of an increase in these charges to £15 and £35 respectively.

 

4. If the customer fails to ensure that there are sufficient cleared funds in the account to cover payments, whether by cheque, debit card, standing order or direct debit, the customer makes a request for payment to be made from the Bank's own funds. If the Bank makes payment, or returns the payment, it provides a service as specified in the leaflet and makes a charge in accordance with the terms of the contract.

 

5. There is no breach of contract; the charge cannot therefore be a penalty, consequently there is no requirement that the charge be a pre-estimate of the Bank's loss. It is denied that the charges are punitive or that they unduly enrich the Bank.

 

6. The customer is given advance warning of charges being imposed; customers are warned by letter when they go overdrawn or over their agreed limit without arrangement with the Bank, that items will not be paid and that charges will be incurred. Statements show the charges, if any, the customer has incurred during the course of a month, and which will appear as debits on the following month's statement.

 

7. It is denied that s15 of the Supply of Goods and Services Act applied to this claim, since the Bank provides details of all charges which are incorporated into the contract are pleaded in paragraph 2 above.

 

8. Without prejudice to the matters pleaded above it is averred that the charges are fair and reasonable, and it is denied that they are unlawful.

 

9. Without prejudice to any other pleading in this Defence, it is not admitted that the sum claimed for charges and interest is correct.

 

10. In the premises:

 

10.1 the charges are for banking service, and are not damages nor a penalty;

 

10.2 the bank is entitled by contract to impose the charges, which are fair and reasonable;

 

10.3 it is denied that the charges are unlawful or contravene any statute or regulation.

 

11. The Claimant's Claim is denied.

 

 

any comments much appreciated!

Thanks Debs

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Seems pretty standard to me - is slightly different from the SC&M defence - but says pretty much the same thing

 

Thanks Nicsussex - breathes a sigh of relief! If it had been from SC&M I would have been a bit more comfortable but didn't want to take any chances:D

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Have today received AQ from court enclosed with a defence (not enclosed!) to be returned by 8 May. Court sending me the defence copy they have on their file. Shame about the AQ - I was hoping that it could have been dispensed with - just have to find more money for the fee!:D I presume we are still using the New Strategy?

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I'VE WON! I'VE WON! I'VE WON!

yipeeeeeee!!! Had 2 letters today from MJ. The first saying why the bank are defending and the second offering full payment!! Was just starting to fill out AQ and wondering where I was going to get the money from! Husband (who wasn't convinced I'd get a penny) has nearly crashed the car with excitement. Oh, there'll be some celebrating tonight. Hold on everybody for what is yours - if I can do it, anyone can! Donation on its way to CAG once funds in account and onward and upwards with a multitude of other claims! Thank you to everybody who has offered support, handholding and advice - love from one very chuffed Debs x:D :D :D

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