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    • Please will you upload the defence in a PDF format document
    • Afternoon All - after 3 weeks of silence, this morning I received an email from HMCTS advising that P2G have rejected my claim. Decide whether to proceed Parcel2Go.com has rejected your claim. You need to decide whether to proceed with the claim. You need to respond before 4pm on 25 June 2024. Your claim won’t continue if you don’t respond by then. This is their ‘defence’ Their defence Why they disagree with the claim When choosing a service on the Defendants website, the Claimant chose to book their order with Evri and selected to take out £20 parcel protection which comes with the service. On the first page of the booking process, the Claimant entered the value of £265 for the contents and was offered parcel protection for loss or damages against their goods for £13.99 + VAT. The Claimant selected no, which then produced a pop up which explained 'We strongly recommend that you protect the full value of your item(s).' however, the Claimant still did not take this protection out and instead continued with the booking process. At the end of the booking process, the Claimant was offered this again which was refused and the Claimant continued with the booking by accepting the terms and conditions which re-iterates the information provided in the booking process. The parcel was sent, however, seems to be delayed in transit. The parcel finally started to track again, however, when delivered the parcel was empty with no contents. As such, the claim was re-opened and attempted to be settled for the £20 protection taken out in the booking process. This was refused by the Claimant as they felt they should be paid the full amount of the value entered when booking. Unfortunately, due to the refusal of the parcel protection in the booking process the Defendant is not liable to settle the claim to the value and only to the parcel protection taken out. The Defendant shall rely on the Terms and Conditions of carriage in particular section 9. The Defendant understands that the contents have not be handled with due care and attention, which is not being disputed, however, they are disputing the amount they are liable to. They have requested mediation, I’m sure not least to drag the case out even longer, but I can see no benefit to me in this and so shall reject it. As ever, I’d welcome your thoughts guys. g59   
    • I doubt HMCTS holds any data on whether arrests by AEAs required police assistance.  They couldn't or wouldn't provide data on how many of warrants issued were successfully executed - just the number issued!  In my experience, arrest warrants whether with or without bail are [surprisingly] carried out with little or no fuss.  I think it's about how you treat people - a little respect and courtesy goes a long way. If you treat people badly they will react the same way. Occasions when police are called to assist are not common and, having undertaken or managed many thousands of these over the years, I can only recall a handful of occasions when police assistance was necessary. On one occasion, many years ago, I arrested and transported a man from Hampshire to Bristol prison on a committal warrant. It was just me and he was no problem. I didn't know the Bristol area (pre Sat Nav) and he was kind enough to provide directions - seems he knew the prison.  One young chap on another committal warrant jumped out of his back window and I had to chase him across several garden fences.  When he gave up (we were both knackered) I agreed to drive by his girlfriend's house to say farewell for a while.  I gave them a few moments and he was fine. The most difficult are breach warrants but mainly in locating the defendant as they don't want to go back to prison - can't blame them.  These were always dealt with by the police until the Access to Justice Act transferred responsibility from them to the magistrates' courts. The fact was the police did not actively pursue them and generally only executed them when they arrested someone for something else and found they had a breach warrant outstanding.  Hence the transfer of responsibility.
    • thats down to mcol making that option available for you to select, you cant force it. typically if there are known processing delays at northants bulk it will be atleast 14 days later if not more.
    • Thanks   Noting the day to apply for default judgement if necessary
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    • 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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GaryH vs Halifax


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I have as a matter of course kept my last six years of statements. I have been setting up a business in the last four years and have an authorised overdraft of £2000. I have incurred many costs to the tune of nearly £1000 - what interest can be claimed. Do i include interest debited at the end of each month as well as all the charges in my prelim letter?

 

kind regards - brilliant website!

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Hi gary and welcome to the site.

 

There are 2 options to you here with regards interest.

 

The first is to wait until you fill in your court claim and then claim 8% (as under s 69.) If you send the bank a letter before you have given them time to pay up demanding 8% APR they will know that you do not know what you are doing and this will more than likely end up with you NOT getting your money back.

 

 

Or claim at the interest rate they charge you from your first letter.

 

I am now doing the latter with my credit card and storecards.

 

Hope this helps

 

Natalie

If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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  • 4 weeks later...

Have sent preliminary leter to halifax claimimg charges and interest amount as in prelim template letter, got the standard response - offered me £37.50 out of total of £675 + £69 interest charges. Have now replied with lba as not response i required am i right to include the schedule of charges and the interset again. this is a little confusing as some threads state dont send interest amount unti court claim but the prelim letter and lba have the said amounts as £XXX's. Assuming that because they have made me an offer they know they are in the wrong. They also state that there will be no more refunds. Have I cocked things up by sending the template letters with interest calculated? Have sent LBA today.

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You can't legally claim the 8% interest until you get to the stage of issuing county court proceedings but don't worry too much about it.

 

Make sure you do give them enough time though ie 14 days prelim and 14 days lba.

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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Have sent preliminary leter to halifax claimimg charges and interest amount as in prelim template letter, got the standard response - offered me £37.50 out of total of £675 + £69 interest charges. Have now replied with lba as not response i required am i right to include the schedule of charges and the interset again. this is a little confusing as some threads state dont send interest amount unti court claim but the prelim letter and lba have the said amounts as £XXX's. Assuming that because they have made me an offer they know they are in the wrong. They also state that there will be no more refunds. Have I cocked things up by sending the template letters with interest calculated? Have sent LBA today.

 

What interest have you asked for the 8% you add on when you submit the court claim? or interest that they have charged you for having failed direct debits or whatever? If its the 8% then that is only added when you take out the court summons.I suggest you read the FAQs and spend a few days reading some of the threads before going much further otherwise you are going to get yourself in a pickle

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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I have read threads until they come out of my ar*e, the interest i have mentioned is 8% of overdrawn charges i.e £25 8% over XXX number of days since the charge - is this correct? The prelim letter has blanks to fill these in and encourages you to send a schedule, reiterated in the LBA template.My prelim letters and LBA focus on the charge refund issue mainly as the templates state. I sent LBA today as I got a reply from prelim today stating that the offer of £37.50 was final and no further refunds would be offered. If we do not here from you in the next 8 weeks we will close the file, blah.....

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You have threads coming out of your arse? I'd get to the doctors mate, I had a dog with that problem once....

 

Forget the 8% interest for the time being... that was my fault for mis reading the question... You can claim the interest that has been charged to you as a result of these charges from the outset. If you sent the LBA today it doesn't really matter anyway... wait the 14 days then start your county court claim (at which point you can add the 8% interest to the total amount). Have you used the excel spreadsheet to work out your figures... this should include the formula to make this calculation for you.

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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Funny haha or funny I'm going to headbutt you?

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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'I calculate that you have taken £675 plus £69.67 which you have charged me in overdraft interest for the sum which you have taken. Total £744.67.

I am enclosing a copy of the schedule of the charges, which I am claiming. I have already sent you a copy of this in my original letter of the 23rd June 2006'

 

 

Yes have used the excel spreadsheet to work the figures for charges and interest which i have included in the LBA. I have stuck to the LBA wording rigidly so this focuses on reclaiming the charges plus interest if they continue with negative action. Hope i'm right the letter has gon recorded delivery now!!

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It'll be reet fella... they know the score by now.

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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  • 2 weeks later...
Can anyone help me with my court claim for my Halifax Credit Card based in Dunfermline Fife KY99 4BS. I live in England and have got to the stage where they have ignored my LBA deadline - do i file in uk or scotland?

 

If you live in England, you file in England. BTW, the UK also includes Scotland.:D

BOS Prelim : 19/06/06 Owed : £382: offered £90.LBA sent 02/07/06, Delivered: 04/07/06. Offer increased to full £382 but with condition. Settled 4/11/06.

Data Protection Act sent to BOS CC : 19/06/06. Acknowledged : 03/07/06 Statements Received : 11/07/06 owed £845

Statements received for closed BOS account: 27/07/06, Owed £2596.52

First claim on closed BOS account now started - £735 Prelim received 7/11/06 LBA sent 5/12/06, Offered Full £735 but with conditions. Claim filed 22/01/07

CapitalOne-£1247, settled in full.

LloydsTSB- £910, sttled in full.

 

LET BATTLE COMMENCE

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Ive gathered so much, dont know why i put that on the end. I cant use moneyclaim can i, the defendant being in scotland. Am i right in saying i have to use small claims procedure?

 

You havent given us much to go on have you, how much are you claiming?

 

We used the Trinity Road Adress for our credit card claim

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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I am claiming £770 back from Halifax Credit Card corresponding to Fife in Scotland. Have been through prelim, LBA etc and their time was up on Friday (after offering various low amounts). Although letter header is for Pitreavie, Dunfermline, Fife (where statements came from) it also shows Halifax head office address in Halifax at the bottom, do I file a claim through moneyclaim or small courts. Ive heard moneyclaim addresses have to be in England or Wales for both claimant & defendant, or do I file against Halifax address and let them pick up the pieces? Any help appreciated.

 

gary. :confused: :confused: :confused: :confused: :confused:

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4 Halifax threads merged

 

Your question has already been answered in another thread (now merged).

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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You have a choice. Moneyclaim is considered more convenient by some, but doing it in person can allow you more details on the Particulars of claim, and also allows you to include a copy of the spreadsheet of charges with the claim, something you can't do with the online version.

 

Both cost the same.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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