Jump to content


  • Tweets

  • Posts

    • Seems OK, except that you must provide your details (as the driver). Include your name, address, DOB and driving licence number. This is to comply with s172 of the Road Traffic Act. Keep a copy and get a free Certificate of Posting from the Post Office.
    • Dear all, some information/advice required please.   I recently received a Further Steps Notice about a fine from 19/03/2018 which I knew nothing about. It was regarding a vehicle parked on the street without tax ( It was covered up and there because the only key to it had been stolen, I had been away from home  and I was having trouble getting a new key cut and coded to the vehicle )  I had not made a change of address to DVLA which would be why I knew nothing about the fine until receiving the final steps notice dated 29th April 2024 and giving me 10 working days to pay, although the notice did not arrive till May 9th 2024. I emailed the London Collection and Compliance Centre on May 13th 2024 asking for any information and they sent me a copy of the original fine. It is for  £390 back vehicle tax, £85 cost and £600 fine.  I now have received a Notice of Enforcement dated 7th June 2024 demanding payment ( total £1036)  or an arrangement by 6am 15th June ( tomorrow )  My question is is it tool late now to question the £600 fine part of the total amount to be paid ? That amount seems punitive.  Would making a statuary declaration regarding having no knowledge of the original court date apply ? And any other advice gratefully received. I am on Universal Credit and apparently they have already taken £177 via benefit reductions which I wasn’t aware of, but does make it seem strange that they were also unable to contact me.    Many thanks for any assistance 
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • You're right of course, just jarring when an actual man child is knocking on my door so close to the end. Anyway, I'll keep this thread updated if ever any exciting does actually happen. Thanks again.
    • Yes I think you are right. I have to say I think most people would be honest and you would be unlucky to be with somebody who was going to rip you off
  • Our picks

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

lloyds tsb


herbs
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6250 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

Please

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

Hi there I recently started my claim for charges with lloyds tsb.They sent me back a really patronising letter stating their charges were fair, so i strated legal procedings and asked for an additional £1000 in damages, not sure if that was the right thing to do, but i have a bad credit rating because of defaulting my overdarught due to their chargs, and i am really peeved.

Link to post
Share on other sites

Guest louis wu
Hi there I recently started my claim for charges with lloyds tsb.They sent me back a really patronising letter stating their charges were fair, so i strated legal procedings and asked for an additional £1000 in damages, not sure if that was the right thing to do, but i have a bad credit rating because of defaulting my overdarught due to their chargs, and i am really peeved.

 

 

Herbs, you really need to have a rethink on what you are doing. You say you have started proceedings, what stage is that?

 

Give some details and we'll help.

 

Louis

Link to post
Share on other sites

Hi to you all, this is my first (nervous!) post with CAG. I really look forward to making a positive contribution in this forum as well as gaining help in making a successful claim. I have had an acceptable settlement offer from one bank so far, a private account. My quest here is in connection with a Lloyds TSB business account and and a claim approaching £2500 inc interest. I have taken all appropriate steps and have already proceeded with action in the HMCS Money Claim on line. I have been notified that the bank has until May 22 to respond. However, this being a business account I believe that I have dropped a clanger(:oops:) because the proceedure I followed was for private accounts. So..... Should I cancel this action and proceed according to what I am learning here? I am pretty certain on research that the banks defence will be that Unfair Contracts Terms Act 1977 and Unfair terms in consumer Contracts Regulations do not apply to business accounts. Or at least that my proceedure is incorrect. I would appreciate your comments please.

Link to post
Share on other sites

Guest louis wu
i have filed a claim with the small claims court 1 week ago

 

Herbs, thats no good, you've got to give proper details as to how you came about submitting your claim.

 

Amounts, dates, all previous correspondance etc,

 

Louis

Link to post
Share on other sites

Guest louis wu

Diego,

 

You need to start a thread of your own

 

Go to the Lloyds forum and find the 'new thread' button and away you go.

 

Its essential you read the FAQ's as you need to know what the process of claiming back your charges is all about, and the only way to do that is to read everything you can.

 

Louis

Link to post
Share on other sites

Hi Louis. I sent my 14 day letter on 6 th april, lloyds responded on 16th april stating that their charges were fair and they wouldnt be refunding them, so i phones them up and a customer service representative told me i should take them to court. So i wited for the fourteen days to elapse and filed my claim with money claim online on 26th april served on 1st may. for £2773.19 + £221.85 interest and £1000.00 damages and a daily rate of interest of £0.13. The damages are because i have a bad credit rating because of their charges and im really fed up with being bullied by big corporations, have i messed it all up.

Martin

Link to post
Share on other sites

Guest louis wu

The procedure is

 

preliminary approach...14 days

LBA...14 days

N1/MCOL for the claim plus interest.

 

In my opinion, you have no chance of the £1000, but I dont know the implications of it on the rest of your claim.

 

If you have a default due to charges then you could add the removal to your claim, if thats the case I will look up the correct way of doing it for you.

 

You need to have a read of the FAQ's just to get familiar with this process, as the bank will defend and you still ave a fair amount of work to do. If you don't know what your doing at this stage, it could get very costly for you.

 

I notice you have lots of issues going on at the moment, Lloyds, barclays, aol, so it is imperitive you do some serious research as to whats involved, dont forget, its your claim and its involving court action against huge multi-national institutions. You must realise any mistakes will be spotted and you will have a hard time arguing a lost cause against experienced solicitors/barristers in court. So, make sure you know what your doing and that you do this properly. Its not too late, but you must learn fast

 

Louis

Link to post
Share on other sites

I'll move this thread to Lloyds for you....

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

Link to post
Share on other sites

Cheers Louis, i looked at the FAQ very helpfull, with my lloyds tsb claim i am paying off a loan through their debt recovery office and have a "no lending" tagged onto my account which has proved really awkward. My barclays claim has a default for missing the first payment of a loan made up of paying back an overdraught on a business account and has been passed to a credit recovery agencie. i expect you are right about the £1000 damages,I will do some more research and keep you informed thanks for the advice,its not at all simple is it.Martin

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...