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    • 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
    • received a letter from restons  dated 11th september . requesting me to withdraw my defence or they will strike out my defence . they believe that their client has complied with my request and restons have sent me   A copy of letter which allegedly tesco bank sent me on  25/10/2019 ,the letter is supposed to be a letter of assignment . this letter goes on to explain how debt managers services is going to process and use my data.   Restions have also sent me a statement from tesco bank stating balance etc.the date of statement is 26 /10/19 .   Also restons have sent me a copy of the credit agreement dated 30/07/2008 . the agreement is supposed to be electronically signed .      
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Jazzy Vs RBoS


jazzy0769
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Hi, it's very refreshing to see that I am not the only one aggrieved by the excessive charges applied by my bank.

Today, I take my first steps into reclaiming the charges applied to my accounts in the last five years.

I have my statements (which arrived no more than a week after requesting them) and have totalled my charges.

I am about to post my first letter requesting a refund of charges (without interest).

Wish me luck!!:shock:

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good luck jazzy........... just take a quick look at the sheer number of people reclaiming stuff on the CAG opening page and you can see you're definately nowhere near alone!!!! :)

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Thanks for the moral support. I saw on BBC news 24 this morning that a judge in Hull is throwing all of these cases out. Other judges however are calling for a decision to be made once and for all to prevent this inundation. I'm not deterred by this as I believe in the cause. :)

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i'm just being realistic - but if you seriously do want to get your money back (and you're not just fighting the moral cause) then don't hang about - get your letters in and stick to your deadlines and then submit your N1, although ironically with all these claims being thrown out down in England, you'll probably if anything be safer up in Scotland!!!!!!

 

Get things started fast though........... and you should see some money...... because I reckon from everything thats going on now it's only a matter of time before this stops....

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Thanks for the comments, I am serious about getting MY money back btw. I am a student and feel that the banks exacerbate debt problems by charging unreasonable "admin" fees.

It's been no more than a week and I have received a reply from the bank. They say that they are "considering my claim and anticipate they will respond in 6-7 weeks but will endeavour to do so sooner if we are able". From a chap called Sandy Watt.

I strongly suspect this is a time wasting ploy and intend to write to them explaining that I am not prepared to wait that long. I gave them a two week deadline to give a SATISFACTORY reply. I dont think I'm being unfair by saying that this is an unsatisfactory response.

Please let me know if anyone has had a similar response to their claim.

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hi jazzy.....

 

I just saw your location is Scotland.... so as you've got a completely different unrelated legal system then you don't have to worry about the small claims judge in Hull. The Sheriffs court on the Royal Mile, Edinburgh is much more important for you!! ;)

 

As for what you said about Sandy watt - you are right to stay vigilant and be suspicious. You'd almost be crazy not to be, as a lot of the banks have played "dirty tricks", but on the whole from what I have seen RBS and the Scottish banks are less prone to play "dirty" - although I'm only going on what I have read....

 

I also had dealings with Sandy Watt - and sure enough, albeit after a small very polite "prod" email a couple of days short of the mandatory FSA 8 week deadlines (from when the first receive your first LBA) they sent me an offer of *all* my charges back - which I have duly accepted. From what I have seen RBS do respond with a reasonable offer at the 8 week deadline, after first receipt of first LBA..... so for time being hang in there.

 

Of course none of this stops you from sticking to your deadlines and filing anyway..... but the small claims process is a little more tricky in Scotland with the £750 maximum claim limit. I guess every country has it's pluses and minuses: while we down here really are worried about the judge in Hull and mass strike outs you have the 750 limit to worry about...

 

good luck....

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Thanks Atlantic,

This website is fantastic for gaining reassurance from likeminded adults.

I am aware of the small claims procedure in Scotland and have read about how to go about making claims for larger amounts. There is another good website Money Saving Expert: Consumer Revenge - Credit Cards, Shopping, Bank Charges, Cheap Flights and more where a chap named Martin Lewis offers very good advice. Perhaps you know of him and the website.

I was reading yesterday that a judge in London is calling for the law to be changed in order to stop all the bank charges cases being presented.

Anyway, thankyou for replying to my posting. I will write to acknowledge their reply and give them an extended deadline. It's only fair right?

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I think the judge in London made his comments because the situation in England and in particular in London has gone really mad with the small claims legal system being swamped with litigants suiing their banks!! I believe it has got so bad that the Small Claims website that we can log on and use in England and Wales is having to have a technology upgrade because the existing technology simply can't cope with demand!

 

In truth I was a little nervous of all this talk of strike outs and imminent test cases - and I really do think it's only a matter of time before all this bank charges stuff is brought to an abrupt halt - hence when RBS offered a reasonable amount I decided to cash in and accept. I also want to spend more time in chasing the credit cards - as they are really atrocious....

 

If you are in Scotland and don't have access to an "address" in England (says me thinking of brothers, sisters, family, friends, children etc...) then it might be better to wait for an offer from the bank at the end of the mandatory 8 week period from first receipt of your first LBA. Going on quite a lot of the stuff I have read about the small claims procedure in Scotland it is frustrated by the 750 maximum limit and from what I saw seems much much much more complicated than it's English and Welsh counterpart where you either log on to Moneyclaim online or simply nip down to your local court house with an N1 and file it along with the fee....

 

The Scottish banks do genuinely seem less prone to "dirty" tricks though (closing accounts, blocking payments, refusing DD's, sending out dodgy threatening letters about the Berwick case etc...) and RBS seems to have a habit of paying up pretty fast now........ so I reckon you should be ok..... ;)

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Once you've sent you 2 LBA's - don't start going extending your deadlines.............. thats not fair on *you* - never mind them!!

 

Stick to your deadlines and expect them to do the same - but realistically expect an offer after 8 weeks.....

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Thankyou once again for your reply. I initially gave them 14 days to reply to my first letter requesting a refund. What I was going to do is acknowledge their letter and give them 28 days to sort it out before taking them through the sheriff courts. Having read your comments, I may wait the six weeks they stated and see what happens.

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