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    • No to mediation 1 wit you  Rest is obv     did you send cpr 31.14?   Can we have date of the  claim form and incident location   I notice you've filled out the debt claim form questionnaire ???? Why.....please use the correct one on the home page of this private parking forum.   Dx      
    • Please don't use hosting sites. Read upload and use  pdf dx          
    • Just read the terms and conditions, Interesting read.   My contract is with Parcels 2 go, and not DPD.   15. ADDITIONAL PROTECTION For goods Transported within the United Kingdom and Internationally, if we cause the physical loss of or physical damage to any goods while we are Transporting them, and storage other than storage under Condition 11(c), we will pay you as follows:- a) Where you have paid or agree to pay our charge for Additional Protection and we have agreed to the this: - i) The most we will pay is £5000 per Consignment. We work this out by referring to the actual value of the Consignment as set out in Condition 15(b). ii) Where "Additional Protection" is taken out and a Consignment is partially lost or damaged, we will only pay for the part, which is lost or damaged. Depending on Condition 15(b) nothing in this Condition will limit our liability for damages below £50 for any one Consignment. iii) We will work out the actual value of any goods lost or damaged by referring to their repair, replacement, resale or market cost at the time and place of collection, whichever is less. The value we work out will not be more than the original cost of the item you have actually paid for, plus 10%. b) If you ask for "Additional Protection", you must tell us the nature of goods to be carried. We will decide in our discretion whether "Additional Protection" will apply to any Consignment.   I paid an additional fee of £2.50 ex VAT, for protection to the full value £100. However in the terms above, it states above that the most they will pay is £5000, as i've paid the additional protection yet it doesn't actually detail the service price paid. They will set the price regardless of how much additional protection you pay for, is the way i am reading this.   So, i say the value is £100, and i pay £2.50 ex VAT. The above means i'm covered for £5000 irrespectively of what sum of money was paid. I gave them a value (Not disclosed as Inc or Ex VAT), yet they will decide the value worth. However, how will they know what 'plastic electronics' value is worth!?    
    • 1st Post,   So i needed to send back some goods to a ManF in the UK. Bit time conscience so decided to go with DPD Local as it's a fair price based upon 24hr delivery.   Sent 3 items within the same box, wrapped up in a Cardboard box, decided to use digital label (Retailer sticks a thin self adhesive Barcode on the box!) knowing from previous experience, i decided to print out a letter inside with Address of Sender and Receiver,  plus another sellotaped within a transparent wallet on the outside of the box, with receiver address shown.   All 3 items are actually faulty, so i declared them as 'Plastic Electronics' which they are, PCBs housed in plastic. Due to the fact they were faulty, DPD standard is £50 cover, so i boosted this to £100 only. In reality, 1x Good is worth £400 working, 2x Goods no longer manufactured but can be repaired which was the desired outcome est £1000. Plus insurance is 10% of the items declared sum, meaning £1000 is £100 fee inc the 20% VAT, expensive gamble either way.   DPD tracking stopped, so made a phone call and played dumb that i couldn't find my tracking number (Only given at point of drop off) and gave them my online DPD Reference number, Operator said this is useless. Only then i gave them my tracking number, then they asked me to repeated everything i have declared verbally, to start an investigation.  Operator said they started an investigation and i should call back in 5 days...5 working day? No reference numbers, no nothing...take there word for it!   I can't seem to understand why we fill out paperwork, have to repeat ourselves, I packaged the box perfectly suitably including adding postage addresses in and outside the box. Gave it to DPD to delivery, yet they have no clue of the parcels whereabouts once collected.   Why would they ask me for the contents? Does this mean they have the authority to open any box within there possession? Feels like i've sold DPD my package, and i have to do all the legwork to get a service which is now late/delayed, written and verbal chasing and potentially filling out claim form. Doesn't make sense when we are told what our side of the contact is, wrap, stick, drop off..   What can i do now?    I called Monday 20th Sept, and have to wait 5 days before chasing, again i chose DPD for trust and time..  
    • @BankFodder just a quick update I have been informed by my sister in law her husband was arrested by the police tonight after being circulated as wanted, she rang me threatening on the phone etc this has been logged with the police. Also need to write a letter to the independent assessor by 8th October im really sorry im really struggling with this x
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A & L Disclosures


martyjon
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I have read a number of postings on this site, in particular the claims being made against The Alliance and Leicester Bank.

 

I note that many posts indicate that the A & L will be defending the claim.

 

This site states that these charges are UNLAWFUL as they do not represent the actual costs to the bank of the customers indiscretion, i.e. not having enough money in account/overdraft remaing to pay a cheque, standing order or direct debit.

 

When there is a defence submitted by A & L would it be in order for the plantiff to ask the bank for a disclosure on how these charges are made up.

 

I have submitted a claim using template letters from a national daily and in my claim I have included ;

1. the cost of secretarial duties in preparing the initial claim, printing same and attending Post Office to send by Recorded Delivery the letter plus cost of A4 paper and printing the letter, the envelope cost and recorded delivery postage;

2. the cost of secretarial duties in preparing the letter before action, printing same and attending Post Office to send by Recorded Delivery the letter plus cost of A4 paper and printing the letter, the envelope cost and recorded delivery postage;

3. the cost of secretarial duties in preparing the online claim.

(Secretarial Duties claimed at £5.35ph (Statutory Minimum Wage) and charged at 1 hours time for each of above actions)

 

I am at the stage where I have received from the court the Acknowledgment of Service where the bank state they intend to defend all of the claim.

 

The bank now has 28 days to file a defence to the claim which the court should send me a copy of after it has been received by them.

 

Can I, if the situation arises, request the bank, through the court or otherwise, for a disclosure of how their charges are made up along the lines that I have in claiming MY expenses.

 

I note from many sources that investigators state that the costs to a bank of returning a direct debit / refusing to pay a standing order is around £2-50.

 

 

Any help on the subject of disclosures by the bank will be gratefully received.

MARTYJON

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Hi Martyjohn.

 

I have submitted a claim using template letters from a national daily and in my claim I have included ;

The problem with using letter templates from sources other than CAG is that they give you the templates, but no back up if things don't pan out the way you expected.

 

Can I, if the situation arises, request the bank, through the court or otherwise, for a disclosure of how their charges are made up along the lines that I have in claiming MY expenses.

You cannot order full disclosure in the small claims courts, only the higher courts, which also carry the risk that if you lose then you would be liable for the defendant's costs (including, possibly, barristers)

On a straight forward penalty charges case, the banks have not yet set foot in the court-room, preferring to settle before to avoid disclosure.

 

I note from many sources that investigators state that the costs to a bank of returning a direct debit / refusing to pay a standing order is around £2-50.

In reality, it's probably lower than that. As the banks consistently refuse to disclose their costs, we claim for the whole lot of the charges, not part.

 

Spend a few days reading the FAQs and the step by step guide in the library section. That will answer most of your initial questions.

 

Good luck.

Regards, Rooster.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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