Jump to content


  • Tweets

  • Posts

    • Well I sent them the letter of claim, the only responses so far was a few emails reopening the claims on the parcels where they asked for information such as proof of value (which I get) but other things like photos of the parcels, which I haven't got as I never took photos of them. It's been well over the 14 days since I sent the letter now anyway, so what do you think I should do now?
    • Know it has already been answered, but? Does not explain why JCI has registered a different default date when they get the information from the original creditor, Virgin
    • Since you were stopped at the time there is no requirement for the police give you anything there and then or to send you anything before they have decided how to deal with the offence.  They have three choices: Offer you a course Offer you a fixed penalty (£100 and three points) Prosecute you in court  The only option that has a formal time limit is (3). They must begin court proceedings within six months of the date of the alleged offence. Options (1) and (2) have no time limit but since the only alternative the police have if you decline those offers is (3) they will not usually offer a course beyond three months from the date of the offence and will not usually offer a fixed penalty beyond four months from that date. This is so as to allow time for the driver to accept and comply with their offer and to give them the time to go to option (3) if he declines or ignores it.  Unless there is a good reason to do otherwise, the action they take will usually be in accordance with the National Police Chiefs' Council's guidance on speeding enforcement. In a 40mph limit this is as follows Up to 45mph - no action. Between 46mph and 53mph - offer a course Between 54mph and 65mph - offer a fixed penalty Over 65mph - prosecution in court So you can see that 54mph should see you offered a fixed penalty. Three weeks is not overly long for a fixed penalty offer to arrive. As well as that, there has been Easter in that period which will have slowed things down a bit. However, I would suggest that if it gets to about two months from the offence date and you have still heard nohing, I would contact the ticket office for the area where you were stopped to see if anything has been sent to you. Of course this raises the danger that you might be "stirring the hornets' nest". But in all honesty, if the police have decided to take no action, you jogging their memory should not really influence them. The bigger danger, IMHO, is that your fixed penalty offer may have been sent but lost and if you do not respond it will lapse. This will see the police revert to option (3) above. Whilst there is a mechanism in these circumstances  to persuade the court to sentence you at the fixed penalty level (rather than in accordance with the normal guidelines which will see a harsher penalty), it relies on them believing you when you say you did not received an offer. In any case it is aggravation you could well do without so for the sake of a phone call, I'd enquire if it was me.  I think I've answered all your questions but if I can help further just let me know. Just a tip - if you are offered a fixed penalty be sure to submit your driving licence details as instructed. I've seen lots of instances where a driver has not done this. There will be no reminder and no second chance; your £100 will be refunded and the police will prosecute you through the courts.
  • Recommended Topics

  • Our picks

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

Seminole v Abbey: £10,235 RECEIVED


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6356 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

  • Replies 285
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Julia

I am really eager to start claim procedings against Abbey (which I estimate to be £1500-£2000). To be honest I'm a bit scared and worried about the them baffling me with bank jargan and me being out of pocket in the end. I'm sending the first letter asking for a summary of my charges but I'm unsure what I can claim back, any help regarding this would be GREATLY APPRECIATED. Also if anyone out there can let me know if you are charged for copy statements, as I imagine this could mount up over a number of years, I would very much appreciate any advise, thanks:confused:

Link to post
Share on other sites

Julia

I am really eager to start claim procedings against Abbey (which I estimate to be £1500-£2000). To be honest I'm a bit scared and worried about the them baffling me with bank jargan and me being out of pocket in the end. I'm sending the first letter asking for a summary of my charges but I'm unsure what I can claim back, any help regarding this would be GREATLY APPRECIATED. Also if anyone out there can let me know if you are charged for copy statements, as I imagine this could mount up over a number of years, I would very much appreciate any advise, thanks:confused:

 

Hello and Welcome I have not been here that long myself but what I have learnt so far is that they will try and frighten you with jargon you dont understand, they will wriggle and fight at every turn but if you keep faith and do everything that is in the FAQ's and standard forms then you will win, because no one has yet lost.

 

If you read the FAQ's thoroughly and read a few of the threads on here (honestly it is better than a soap opera) you will learn what to do and in what order to do it. Your first port of call is to aquire all your bank statements for the last 6 years, you may have to request them from the bank, there is a template letter for you to use, send them £10 with it, this is the maximum that they are allowed to use, and in about 40 days you "should" receive them, there is also an excel template that you can add up all the charges. If you require any more help then, the best thing is to start your own thread and there will always be oneof these wonderful people on here that is around to help you out

 

best regards and good luck

 

Julia

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

Link to post
Share on other sites

Julia

I am really eager to start claim procedings against Abbey (which I estimate to be £1500-£2000). To be honest I'm a bit scared and worried about the them baffling me with bank jargan and me being out of pocket in the end. I'm sending the first letter asking for a summary of my charges but I'm unsure what I can claim back, any help regarding this would be GREATLY APPRECIATED. Also if anyone out there can let me know if you are charged for copy statements, as I imagine this could mount up over a number of years, I would very much appreciate any advise, thanks:confused:

 

Please could you start your own thread. Thanks.

Link to post
Share on other sites

I bet if you owed them some money from yonks ago they would be able to find that bit of evidence in their filing system, what a disgrace mind you I am having much the same from the Halifax, so nothing surprises me

:) 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.

Link to post
Share on other sites

Quick google of Microfiche solutions barclays bank brought up these chaps who it expressly says the supply solutions to barclays bank

 

http://www.e-asl.com/company/about_e-asl.htm

 

It also goes on to describe its service as :

 

Companys achieve many benefits working with e-ASL, some of the many benefits include:

 

Improved customer service achieved by instantly accessing all business documents,

Increase company profits and revenues by improving processing speeds and improved response times to business opportunities

Faster work process cycle times by reducing and eliminating time delays between process steps

Implement business compliance tools and solutions to achieve internal and government compliance standards

Ensure risk mitigation to protect business records from fire, theft, flood, fraud, security exposures, and hackers

Significantly increase productivity and staff morale and professionalism by eliminating the need for manual filing of documentation and the need for searching and misplacing documents

Reduce or eliminate required floor space, storage facilities and microfiche costs

Implement best practices, improve auditability and comply with government and legal regulations by flawless document and workflow control

 

the site talks about IT stored info as well as microfuiche, and this passage seems to be suggesting both as an service that are offered.

 

I think the person who has done this response seemingly crackers.

 

they obviously have not read the act at all.

 

I have a letter before action ready to go on this point from B/card, and the point for me was if I could order my statements from them &pay for them seperately, theyd be available within 14 days ( direct from legal team at B/card) but they dont have 40 days to get it together. I certainly dont believe "its too expensive" for them to do ( after all theyve had my interest on my money for years) and in any case you cant charge a fee for retrieving the data over the tenner.

 

SO they are talking rubbish. BACK OF THE NET!!!

Link to post
Share on other sites

This is a very interesting topic. I received a letter back from Abbey today stating once again that information held on microfiche is not covered under the DPA. This was in reply to the microfiche letter at the top of the forum.

 

Im now stuck with what do do. Do i just sit and wait for them to arrive, write them another letter, or start court proceedings to get my statements?

 

In the meantime, im going to sit here and eagly watch this thread!

 

Good luck to you.

Link to post
Share on other sites

Quick google of Microfiche solutions barclays bank brought up these chaps who it expressly says the supply solutions to barclays bank

 

http://www.e-asl.com/company/about_e-asl.htm

 

It also goes on to describe its service as :

 

Companys achieve many benefits working with e-ASL, some of the many benefits include:

 

Improved customer service achieved by instantly accessing all business documents,

Increase company profits and revenues by improving processing speeds and improved response times to business opportunities

Faster work process cycle times by reducing and eliminating time delays between process steps

Implement business compliance tools and solutions to achieve internal and government compliance standards

Ensure risk mitigation to protect business records from fire, theft, flood, fraud, security exposures, and hackers

Significantly increase productivity and staff morale and professionalism by eliminating the need for manual filing of documentation and the need for searching and misplacing documents

Reduce or eliminate required floor space, storage facilities and microfiche costs

Implement best practices, improve auditability and comply with government and legal regulations by flawless document and workflow control

 

the site talks about IT stored info as well as microfuiche, and this passage seems to be suggesting both as an service that are offered.

 

I think the person who has done this response seemingly crackers.

 

they obviously have not read the act at all.

 

I have a letter before action ready to go on this point from B/card, and the point for me was if I could order my statements from them &pay for them seperately, theyd be available within 14 days ( direct from legal team at B/card) but they dont have 40 days to get it together. I certainly dont believe "its too expensive" for them to do ( after all theyve had my interest on my money for years) and in any case you cant charge a fee for retrieving the data over the tenner.

 

SO they are talking rubbish. BACK OF THE NET!!!

 

Except this thread is about Abbey!!! :D

Link to post
Share on other sites

Had a look back through the printouts that Abbey has sent me and it appears that some of them are actually from microfiche.

 

Have a look see if yours are the same.

 

What you are looking for is what looks like a verticle list of transactions that looks like a computer print out, however at the bottom it will have either:

 

**** ACOUNT CONTINUES ****

**** END OF ACCOUNT ****

 

If you have prints like these then they have already given you some of the information from micofiche, which blows the whole difficulty issue out of water!!!!!!!

 

I'm looking forward to Abbey explaining this one away in court :D

Ex Abbey Staff....

 

Abbey 15/4/06 SAR. microfiche argument, filled for breach DPA. defence rec'd

LBA sent claiming £3180 estimated

 

Capital One - Full refund

 

MBNA Letter sent requesting money back 1st July

Link to post
Share on other sites

This is a great thread and i wish you the best of luck. I find that i too am in a similar position although you are weeks ahead of me. Good Luck :p

Halifax Current Account - Claiming Over £2k

Halifax Card Services - Claiming Over 1K

Capital One - Settled

Citi Cards - Claiming Over £1k

Abbey National - Claiming Over 3K

Link to post
Share on other sites

So you know I have given up reading "books" because this site is more enthrawling than any novel :-))

 

and Seminole, if I do get my statements and you do need a witness statement or even a witness then I will be more than happy to oblige

 

Hi Julia, did you get them through?

Link to post
Share on other sites

Hi Julia, did you get them through?

 

Did I b*gger!!

 

I am just going to ring them and find out where they are, what odds do I get for the "lost in the post" argument?

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

Link to post
Share on other sites

Received this today:

 

I understand that Abbey have now sent you statements of account as

requested.

 

Abbey are not refusing to supply the information requested. Abbey are

simply stating that the information requested is not covered by the Data Protection Act

and therefore there is no requirement upon them to supply the

information within 40 days.

 

As the statements have now been supplied please confirm that you will

agree to discontinue your claim on the basis of no order as to costs.

 

Apparantly there's a package from Abbey waiting for me at home.

Link to post
Share on other sites

Did I b*gger!!

 

I am just going to ring them and find out where they are, what odds do I get for the "lost in the post" argument?

 

Well, I rang them and the lady on the phone said that there was a big delay blah blah blah, and I asked her what that had to do woth me as I was assured that my statements were in the post last Wednesday? She said that she had to not on my file to back this up, I told her that she needed to look on the complaints log as it was on there.

 

She got a little more to the point when she realised that this was a person who understood how these calls were logged :)

 

Well she went off for a while and apologised profusely and stated that she had "found" it in the log and that they werent in the post at all (surprise surprise) so she "promised" me that they would now take priority and that i would definately have them by Friday and she (without prompting) gave me her name and a reference number to get back to her if they didnt arrive!8-)

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

Link to post
Share on other sites

Well done Julia. It will be useful to us all if you do get them.

Did she say how she was able to Abbey's microfiche argument?

;) nn

FAQs: click here: http://READ THESE

 

Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.

 

 

Abbey: SETTLED IN FULL:lol:

BoS M/card SETTLED 27/09:lol:

Aqua CC (Halifax) SETTLED 28/06 :lol:

GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9

First National Mortgage Data Protection Act sent 14/6 Statements 26/7

Cap 1 - SETTLED IN FULL:lol:

Abbey x 2: 50% offer refused AQ filed

Link to post
Share on other sites

Well done Julia. It will be useful to us all if you do get them.

Did she say how she was able to Abbey's microfiche argument?

 

I never mentioned them and neither did she, at this stage, I thought it better not to mention them as I think it might be getting somewhere, if I get them Friday this will be a big plus for everyone who is being battered by the MA and I will be willing to sign an affidavit listing all this should anyone want to go to court.

 

Of course the Information Commissioner might be interested too ;)

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

Link to post
Share on other sites

Received this today:

 

I understand that Abbey have now sent you statements of account as

requested.

 

Abbey are not refusing to supply the information requested. Abbey are

simply stating that the information requested is not covered by the Data Protection Act

and therefore there is no requirement upon them to supply the

information within 40 days.

 

As the statements have now been supplied please confirm that you will

agree to discontinue your claim on the basis of no order as to costs.

 

Apparantly there's a package from Abbey waiting for me at home.

 

 

So are they there, come on man (?) you havnt time to each your dinner and watch emmerdale, what have the Scabbey said? :D

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

Link to post
Share on other sites

Good god woman - you posted EXACTLY what I was thinking... LMAO. I held back... I thought "Let a man get his tea"... but you Couldn't Let It Lie™...

 

Tom, I am a woman used to getting what I want :D

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

Link to post
Share on other sites

and what will you do about the "order as to costs"? I think they should be paying the court costs, for making you get this far in the first place.

 

After all the bluff and threats in the letter sent previously, they obviously sent the info to get out of going to court. As far as I can see, despite their statements to the contrary, they are not as sure of their ground as they would have us think.

 

I'd want me thirty quid back too!

 

I shall be filing form N1 tomorrow unless the postie has a parcel from Abbey for me :)

... 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.

Link to post
Share on other sites

Had to pop in to see my Dad. Yes, they're all here and go back to 1/3/99. I've had a quick flick through and I spotted one month which I think was just shy of £500. I'm going to add everything up this evening and post the total here.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...