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    • Yup, well so far they have lied to me about responding to a CCA,  are threatening me with a default notice that they don't have, produced a knocked up version of my NOA, sent me 29 pages of spew for an agreement. No wonder they pay 5 p in the pound for that crap.
    • Paragraph 2. I think there should be further down and also you should make the point that the payment to was made unilaterally and without the imposition of any conditions. Paragraph 3 – this is unnecessary because you are not claiming as an entitled third-party. This worries me because it makes me feel that you haven't fully read around because this is a paragraph which you would include where you were suing EVRi as a beneficial third party because you had actually made your contract with Packlink or some other broker. I think you need to revisit and do some more reading. I'm afraid I have a sense that you have simply copied this from somebody else's witness statement without understanding that it wasn't necessary. Please can you post the amended draft. Other than the suggestions above, it looks okay – but let's see it again for a further appraisal. In terms of the evidence, parties bundle, I think it might be an idea to start off with the correspondence with EVRi and then go onto the other evidence. You will have to amend the index page accordingly. You could shorten this bit. Take 19 is pretty well blank and you may as well miss it out also, there seems to be some repetition of emails and the email chain. I think will be worth going through and getting rid of duplicates if you can. 49 pages is a bit long and it would be a good idea to try and reduce the number. I have a feeling that 50 pages as the County Court limit anyway. The judge will be happier with you if the bundle is smaller. Maybe you could reduce the size of some of the images or messages et cetera. You have got several messages which straddle onto a second page so that things like sign off information and standard confidentiality information become orphans. A bit of manipulation and they could be joined to their parents I think. Page 31 as an example. So is page 19. You may only be up to shorten the whole thing by 56 pages – but I think it would be a good idea. 56 pages is, after all, 10%. If you can do more then so much the better
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      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.

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Help Needed Please!! No reply too 40 day request for charges


Constak23
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Hi There,

 

Can anyone help me please? I am trying to reclaim my bank charges and my dad's and boyfriends. (I am with Lloyds and they are both with barclays.)

 

I have sent off to the banks £10 postal orders with the letter requesting for all of my statements, but haven't heard anything....However I have just read that you needed to enclose a stamp addressed envelope..which unfortunatly i didn't do...

 

Is there a chase up letter I can send, although i have just read my letter that i sent and it does say that i will be happy to collect from my branch?

 

Any help or advice anyone could give would be greatly recieved!!

 

Thanks x

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Hi, In my opinion and from my own personal experience I dont think a stamped addressed envelope really matters to be honest. Some banks take the £10 and charge whilst others will happily order them over the phone for you or you can order online. My bank didnt bother replying to my first letter even though they banked my cheque. All I did was call them and complain and re-order them stating they had cashed my cheque and 40 days was ample time to order them. They apologised and sent me the statements in dribs and drabs and even though I was 3 months missing I had to call them again and complain again. Eventually that time I got all the statements and they even enclosed a printout for me of all my charges. When you have them all - you can then send the 2nd letter. Good luck !

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Hi there,

 

I am so sorry to keep asking you all questions about these and i have read the FAQ's but i am just a little bit hazy with the 8% interest apr column?

 

This will be my prelim letter back to the back trying to reclaim charges after recieving my statements.

 

On the calculation spreadsheet do i send this with the letter with the & column on it? or do i remove it? but then on the letter it sayes:

 

What I require

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX .

I enclose a schedule of the charges which I am claiming with this letter

 

If i do keep the 8% interest, do i put the total in the paragraph too?

 

I am sorry if these questions are obvious, and frequently asked i have read though but i am a little confused and nervous.

 

Many Thanks for your understanding.

 

:) x

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Thank you! Just my last couple of questions....sorry I know I am a pain...

 

Do you send the letter & spreadsheet recorded delivery? And if so, do you do it to the first address that I sent my DPA letter too?

 

Thank you again in advance.....!:)

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Hi there,

 

I am so sorry to keep asking you all questions about these and i have read the FAQ's but i am just a little bit hazy with the 8% interest apr column?

 

This will be my prelim letter back to the back trying to reclaim charges after recieving my statements.

 

On the calculation spreadsheet do i send this with the letter with the & column on it? or do i remove it? but then on the letter it sayes:

 

What I require

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX .

I enclose a schedule of the charges which I am claiming with this letter

 

If i do keep the 8% interest, do i put the total in the paragraph too?

 

I am sorry if these questions are obvious, and frequently asked i have read though but i am a little confused and nervous.

 

Many Thanks for your understanding.

 

:) x

 

Hi

If you use the complex spreadsheet it calculates how much interest you have been charged on your charges.

This is the figure here, NOT the 8% interst

 

Hope this clears it up for you

 

Paul

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Thank you! Just my last couple of questions....sorry I know I am a pain...

 

Do you send the letter & spreadsheet recorded delivery? And if so, do you do it to the first address that I sent my Data Protection Act letter too?

 

Thank you again in advance.....!:)

 

In My Opionion just use standard delivery and get proof of postage.

It has never failed me.

 

Others may prefer recorded or signed for, but these dont always get there.

 

In the eyes of the court, the letter is deemed to have arrived 2 days after sending by first class

 

Hope this helps, Paul

 

...

"Wisdom Begins In Wonder"

My advice is based on my personal experience and should be taken as such.

If I have helped you, Please click the Scales

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Thanks for replying so quickly! Just to confirm, should I send this to the address where i originally contacted lloyds sending my Data Protection Act letter?

 

Here you go

 

Customer Care

Lloyds TSB

125 Colmore Row

Birmingham

B3 3SF

 

Paul

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  • 2 weeks later...

Hi...

 

I am hoping someone will be able to offer me some advice? I am at the stage in claiming back my bank charges when i have sent the first letter with how much it is calculated to be on it..and they have until weds 27th June to answer within the 14 days.

 

But today i have recieved a letter from The customer service recovery centre telling me that: Office of fair trading have published new guidelines and that my account will need a more detailed examination and i need to send £10 for my statements...and they hope i am happy with the way they have dealt with my complaint and it will be closed if i do not answer by the 15.08.07.

 

I am right in thinking to carry on with the next claim request letter, which gives them another 14 days to reply, and if they don't then i complete the small claims forms to take them to court? and that this letter is a stalling attempt and try to confuse me to not take any further action?

 

All replies are greatfully recieved..thank you..and sorry to ask its just this letter has worried me/ confused me a little bit..thanks

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Hi

That is a standard reply from Lloyds, nothing to worry about.

Give them the 14 days from when you sent the Prelim letter, then send the Letter Before Action, give them another 14 days, then start the Court claim.

Good luck, let us know how you get on.

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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  • 1 month later...

Hi all,

 

So I have been in contact with Lloyds as they have just sent me a letter stating that due to the test case they are suspending all bank charges claims. I will have to wait until after the case and they will contact me then.....Is this the case?

 

It seems so unfair if so, I have applied for my fathers and Boyfriends charges at the same time (back in April/ May) and they are with barclays but they have both within the last few days had an acceptable offer made and paid into their accounts..

 

Any replies or advice is greatfully recieved!!

 

Many Thanks

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Constak23 - Lloyds cannot unilaterally stay cases, just carry on with your claim, business as usual for now:

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/107584-oft-test-case-what.html

 

http://www.consumeractiongroup.co.uk/forum/general/108430-stays-info-guidance.html

If I have been helpful please click on my star and add a comment.

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