Jump to content


  • Tweets

  • Posts

    • Apologies in replying, I was up for 30 hours and had to catch up on sleep. And I don't have my laptop right now either.    I already sent in the defence on Tuesday  as that was the only day I could before the 24th. I did use the defence from CAG, I did try rewrite as best as I could removing a lot of the waffle, making the set points with the evidence.    When I hear from the court next - I believe a questionnaire and direction of some sort- I will update you and see what the next steps are.    Thanks a tonne!! For all of your advice! I wouldn't have been able to even get close to what I have with setting aside the ccj and the defence without you. I am very lucky to have the help I've been given from you all out of your own time. You are awesome!
    • this is a normal contract for when you forget your wallet and fuel up your car and then promise to pay them later. If you return righ5t away you dotn pay any extra and you can even demand your paperwork back from the garage as they then have no lawful reason to process it. Now is it a fair contract? well, yes and no, if you dotn have the means to pay for your fuel before you fill up then you are committing a criminal offence by doing so but as i many cases of this nature the company would rather farm all the aggro out to a third party who then screw you out of money rather than invoke the available law. So, as you werent offered the contract to consider before you fuelled up then none of it is enforceable and the petrol companies should get their heads around this rather than allow the third party just coin money out of the unfortunate or forgetful   what I fail to understand is why you didnt just pay for the fuel with the card that you were going to use to get the cash? As for the rest of your story listing your afflictions , that doesnt make any difference to a contract, if you are not capable of entering a contract you shouldnt be driving either.
    • Their Order is somewhat confusing...yes you get your set a side and they will not object.   No defence has ever been submitted so it can't stand.(unless you submitted a defence with your application ?) They then state Directions Questionnaires be issued (goes to allocation) and then the next paragraph states the claim is stayed.   Anyway the " Schedule  " is irrelevant it's the " ordered by consent " part that matters.....claim is stayed.     Typical Robbers Way     Andy    
    • Yes thanks both  Have been on the phone to a UC call centre today  to help someone in my Council ward, they said that there is NO paper based system, but if someone is blind or has a vulnerability that makes it difficult to access  then what TomTom has linked to is a way to do it.  That mythbuster link is very useful indeed. DWP are known for pushing easy options  (for them) but will help at a Jobcentre if no other way.
    • UKDomains that's a great shout, I'll open a support ticket on LBC & hopefully they can provide that information.   I've just spent 2 hours in branch, it turns out the fraud dept. never received the proof of entitlement that the branch scanned & emailed to 2 separate email addresses given. That has led to the 3 chargeback amounts, & once again the girl on the other end of the phone had "no idea" about the £685.16, & said "it must be a calculation" well that's good & vague. I have the name of the person in branch I've been dealing with (who has been great btw, & has suffered through this this with me).   Also, by sheer coincidence, she was dealing with the very same rude woman in the fraud dept. who refused to give me her name the other day, but did provide it to the lady in Branch. So now I have that in full, & her employee ID.    I did query with the woman in branch, why TSB aren't backing a customer who has proven beyond any doubt that the transaction was legitimate. Her response? "I got the strong impression when I called the Fraud  dept. on Monday, that we've already reversed the funds to Monzo Bank, this is why they want you to pay the money back into your account."   Well how stupid is that, based on what can only have been a verbal claim by Monzo's customer, this has led to TSB saying "here you go".  & then asking me to kindly underwrite their own stupidity.   I have also just received this by email:   Hi Gavin   Thank you for your note and for contacting me about the difficulties you’ve encountered with TSB.     I have passed your note on to my Head of Customer Service and asked her to ensure that either she, or one of her team, contact you as soon as possible.     Thank you once again for contacting me.     Kind regards     Debbie    Debbie Crosbie CEO, TSB         
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies
TheDebtor

Recorded Delivery to Banks going Undelivered

Recommended Posts

I have made DPA requests to both Lloyds and Barclays, both recorded letters (sent seperate days) have never been shown as delivered.

 

Is anyone else experiencing these problems?

 

I will send everything Special Delivery in future (£3.85), I advised everyone to do the same!

Share this post


Link to post
Share on other sites

Yes there has been some discussion of exactly this problem in recent days.

 

You are quite right, Special delivery is the best solution


Share this post


Link to post
Share on other sites

They may well have been delivered, but just put in with the normal post. If you can be bothered, you can claim 12 first class stamps in compensation from Royal Mail.

 

From my experience, Special Delivery is no more reliable. Sorry to be bitter! Seems to be slightly less likely to be shoved in with the post though - just disappears completely.

Share this post


Link to post
Share on other sites

If you want to be 100% sure they get your letter, take it in personally to your local branch, get the name and signature of the person who takes it off you. can't go wrong 8)

 

So far i've just used recorded/signed for delivery and not had any problems at all!

Share this post


Link to post
Share on other sites

If you push hard enough you can do better. I got £30 cheque for lost document.


The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

Share this post


Link to post
Share on other sites
They may well have been delivered, but just put in with the normal post. If you can be bothered, you can claim 12 first class stamps in compensation from Royal Mail.

 

From my experience, Special Delivery is no more reliable. Sorry to be bitter! Seems to be slightly less likely to be shoved in with the post though - just disappears completely.

 

Sorry, but i work for Royal Mail and special delivery is the best performing next day service of any UK courier. Special deliveries don't just get 'lost' in the post, they are scanned every step of the way and go seperate from the normal mail. Every one has to be signed for by a postman/woman when they go out on delivery.

 

In 9 years at Royal Mail i know that the number of special deliveries lost by postmen in my office in that time is under 5, and this is at a large city centre delivery office.

 

Put the right address on, in handwriting that is actually legible (sounds obvious but you wouldn't believe the state of some of the writing and the amount of incomplete addresses we get) and it will get there, simple as that.

 

Incidentally, i have never had a single item of mail i have posted go 'missing', nor does it seem to happen to any of my colleagues very often.

 

With any mail, make sure the full CORRECT address and postcode is on the envelope, put your name and address in small letters on the back, and seal the envelope with sellotape, as quite a few come open during transit.


Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

DON'T FORGET TO DONATE!

Share this post


Link to post
Share on other sites
If you push hard enough you can do better. I got £30 cheque for lost document.

 

I have just checked on the Royal Mail Website under Track & Trace for the proof of delivery of my Data Protection Act letter to HSBC on 16 March 2006.

 

This is the message that I get.

 

'The system is currently unable to confirm the status of your item with reference DKXXXXXXXXXGB. Please try again later'. Bearing in mind it is now 21 June 2006 and the letter was sent on 16 March 2006.

 

I have e-mailed Royal mail asking for a copy of the recipients signature as proof of delivery. If they are unable to provide this then I will be submitting a claim into Royal Mail, I may well need this signature as proof of delivery should HSBC take the matter to Court.

 

Richardc, when you wrote to Royal Mail to claim did you tell them that the contents of your lost package/letter were documents, I ask this as if Royal Mail ask how do you put a 30.00 value on a document(s). Would a appreciate a copy of the letter you wrote if this would be possible for me to use as a template.

 

Regards

 

Switch

Share this post


Link to post
Share on other sites

the Royal Mail website was showing my recorded delivery letter as still in the system as too was the automated reply on the phoneline, but I carried on and spoke to an advisor who said it had been delivered. Hve you checked your reference number with a 'real' person?


Bank of Scotland round 1: £740 + costs settled, still sore over the 8% grrr

Bank of Scotland round 2: £629 +101.15 interest +£39 costs settled.

Share this post


Link to post
Share on other sites
the Royal Mail website was showing my recorded delivery letter as still in the system as too was the automated reply on the phoneline, but I carried on and spoke to an advisor who said it had been delivered. Hve you checked your reference number with a 'real' person?

 

I have had an automated e-mail back from the Royal Mail saying that they will look into it and get back to me within 3 - 5 working days.

 

If the Royal mail can tell me that my letter was delivered that's fine, but what I require is the proof of delivery i.e. the recipients signature as HSBC are presently claiming they never received my Recorded Delivery letter.

 

The way I see it is, if the Royal Mail are unable to provide me with proof of delivery with a recipients signature, which is the service I paid for then the letter in my opinion is deemed undelivered. Given that it was sent in March and it is now June I would consider it lost in transit whilst in Royal Mails possession.

Share this post


Link to post
Share on other sites

Had two recordeds go missing in as many weeks. Not good. Would love to use special, but why in gods name should I pay over 10 times as much as a normal stamp just to make sure it gets there? Not being funny or anything, but if a stamp isn't enough to make sure it gets there, why do I have to pay for it? I add another 68p to add a bit of tracking, and that fails.. where does it stop?

 

See, I'm slowly turning into a Daily Mail letters page writer.. :)


If my reply or advice was helpful, please click the scales!

-------

DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

-------

Share this post


Link to post
Share on other sites
Guest Alison82

I ended up having to order my statments in person in my branch, I think this is a goo option now as they can't then say that you wasn't there make a receipt and get a member of staff to sign it.

Share this post


Link to post
Share on other sites

Royal mail also "lost" my DPA request,I also used to work for Royal Mail I think the problem is with the sorting machines and recorded are only classed as normal mail they are bundled together with 1st and 2nd class mail during the automated machine sorting ,therefore the code sorted bundles are not sorted by a human,just delivered by one!!

 

I have worked out that if you sent your letter sandwiched between 2 slabs of polystrene it cant go through the machines so is sorted by hand and would only cost an extra 50p

 

I did however send a copy via email too on the same day and get a response within 24 hours

 

Maybe the mods could have an thread for email and Fax numbers for CC and Banks


Lloyds TSB - N1 claim issued 18/07/06 - £3440 Offered unconditional settlement 23/08/06

Vodafone-Information Commisioner assessment -default removal -25/07/06

Share this post


Link to post
Share on other sites

I've now got 6 recorded letters that don't show as delivered, and one that Royal Mail have told me has been lost :rolleyes:

 

One of these meant starting a whole procedure again, so I'm miffed to say the least. I would like to put in a claim - how do I go about putting a value on SARs, LBAs and CCA requests?


... a little

Mahala is a powerful thing ...

 

If you like my advice, please click the scales.

All advice is offered informally. If in any doubt, seek professional advice.

Barclays:claiming £908. Defence filed

Simply Be: settled in full

Abbey: Claim issued for DPA compliance order

GE Capital: Claim issued for DPA compliance order

Aktiv Kapital: Failed to comply with CCA disclosure. Debt unenforceable.

If this site has helped you, please make a donation to help keep it going.

Share this post


Link to post
Share on other sites

Norvernrob Quote=Incidentally, i have never had a single item of mail i have posted go 'missing', nor does it seem to happen to any of my colleagues very often.Unquote

 

Flies in the face of my experience with the mail. I have had at least 4 letters

undelivered and one parcel from the USA, during the past year. I don't doubt

that in some cases that some banks may be saying that they have not received

our claims when in fact they have. Until the Post Office gets it act in order, the

only way it seems, to know our letters are received by the banks is to pay the £3.85 service. We can include that in our claim against the banks in any case.

Share this post


Link to post
Share on other sites

Me Too!

Have posted a DPA and £10 cheque to Time Retial Finance (by recorded delivery of course).

No Record of delivery, spoke to royal mail who have confermed the letter as lost, however today I recived my bank statment which shows the cheque as cashed by Time Retail. But still not recived a reply (close to 40 days now).

Royal mail has now requested I send them the Royal mail has now requested I send them the orange recipt as proof, they will then contact the resipant to cheak if they recived, if they havent I will be eleigable for compensation of upto £32, depending on the value of the letter.

Lets see what answer the Royal Mail get from time Retail. LOL

As to the value of the letter?? I had 10 x £15 charges in JUNE 2000 of which may now be deemed out of 6 year date, which I may now lose.

 

So what they gona say about that????? (royal mail V time retail)

Share this post


Link to post
Share on other sites

The simple fact of the matter is that the only service that comes with a guarantee is special delivery (what was registered) I never use recorded as its just not worth the paper its printed on they can deliver with no signature if they like and the only come back is a book of stamps.

 

Special delivery may cost £4 but its worth every penny

Share this post


Link to post
Share on other sites

Just tried something.. walked an extra 5 minutes to the nearest other post office. My usual post office insists on typing in the recorded delivery and smartstamp numbers into the computer, whereas the other place just stamped the Just tried something.. walked an extra 5 minutes to the nearest other post office. My usual post office insists on typing in the recorded delivery and smartstamp numbers into the computer, whereas the other place just stamped the orange forms and voila.

 

Could be an interesting experiment, wonder if the narky unhelpful bloke in my local post office is losing stuff since I stopped giving him any money? He does seem very cheesed off everytime I go in waving pre-stamped stuff..


If my reply or advice was helpful, please click the scales!

-------

DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

-------

Share this post


Link to post
Share on other sites

Hi Guys

 

I posted two letters, one to Natwest In London and one to Halifax in Yorkshire. Both letters were posted on the 8th June via recorded delivery.

 

Yet again there is no record of these letters being signed for either using the online tracking facility or by speaking to Royal Mail by phone.

 

So at this point in time I have no idea whether these letters were delivered or not!

 

Royal mail said they would not investigate the matter until the 27th :(

 

Cheers

 

Y


Credit Cards

Barclaycard -WON! Amex - WON! MBNA (x2) - WON!

Mint - WON! Monument - WON! Morgan Stanley - WON!

Egg - WON! Halifax - WON! Sainsbury's Bank - WON!

Citi Cards -WON!

 

Banks

 

08/06/06 Claim against NatWest started.

01/11/06 Case Closed :)

 

08/06/06 Claim against Halifax started

24/08/06 Case closed :)

 

 

Visit my forum: http://www.planet-watch.org/forum

Share this post


Link to post
Share on other sites

I sent 2 recorded delivery letters... the first was to a home address and was received and signed for the next day, the other was to Lloyds and never arrived ... ask yourself, where do all these bank/building society recorded deliveries go to.

 

Also, the woman in the PO had a couldn't care attitude ... no wonder they are closing POs !!!

 

I wish someone like Richard Branson would come along and give RM a run for their money !!!

Share this post


Link to post
Share on other sites

This topic was closed on 03/06/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Share this post


Link to post
Share on other sites
Please fill in your quit date here
Guest
This topic is now closed to further replies.

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...