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    • No this was the letter that Nationwide sent me earlier in the year - the PDF is a scan of the ‘judgement letter’ or whatever you might call it, which includes: ‘evidence’ (i.e. copies of documents) correspondence between Mr Hickman and his bank, correspondence between his bank and mine - saying the chargeback is invalid   The three documents I have for the following reasons: The bill of sale was provided to me by the garage when I bought the vehicle The V5 I was sent by the DVLA The report from the Volvo specialist was given to me when I took the car to them. The reason they had them is because I provided them to the chargeback team at Nationwide when I originally raised the chargeback, I did not submit an SAR. As far as I can see I already have all the information Nationwide have relating to the chargeback, and an SAR would not yield further.   This is not an insurmountable problem, I was just saying I think it might be beyond my ability in Acrobat to keep everything as single document by substituting in more legible copies of certain page BUT I will have a go.   If not, I can annotate the original to point to the cleaner copies. I will try that later this morning  
    • Yes please. Please could you put together a file of documents as legible as possible. Those which you can't replace with legible versions, simply include the illegible ones so that we can see what you have got and what needs replacing. Then I think a complaint to nationwide about the quality of the documents they have given you. How did you get these documents? Did you send them an SAR?
    • Thanks for the reply, I think I explained in the post I made yesterday that the letter which was posted to me by Nationwide obviously consists of printed copies of scans, which I have then scanned at the highest DPI available.   I can try scanning it again but the quality of the original is so poor in places I don’t think it will make any difference.The quality of the original is already poor. There isn’t anything I can do about that, sorry.   That being said, the documents which have degraded significantly I do have originals of - so I could scan those to get clearer copies. Again this is something I did say I could do in my earlier post I think    The documents which are scanned and printed into oblivion that are probably illegible are:   The bill of sale from Netherton Car Sales The V5 The report from a Volvo Specialist   All of which I can scan and include as separate attachments. Substituting them into the document (rather than just uploading them) to keep the integrity of my document might be beyond my Adobe Acrobat skills - the redaction took me a very long time in itself. But if that is what is required I can try?   Thanks for your time, it is appreciated. 
    • I'm trying to look through the PDF which you posted above relating to the chargeback. A lot of the documents in that file are pretty well unreadable and I don't know if this is because of a poor quality original or a poor quality scan. Please can you let us know
    • Good morning everyone   I thought it would be worth mentioning my next intended step to see if anyone thinks it is a good idea please?   As Nationwide’s letter seemed to have an air of finality about it, I didn’t think I was in a position to challenge it, even though I can see several lies have been told by the other party. So my next step I guess will be to write to them setting out the evidence from my side.   Does this seem like the best course of action at this time?   Has anyone else been successful in getting a chargeback decision over-turned like this? Is there a time-limit for doing so?   By the way, one thing I didn’t mention - there is an error in the letter above from Nationwide - the time of the incident is not April 2020, I do not know why they put that, as the car was not even in my possession until August.
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    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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Urgent Help Required - Court Case Monday ***WON***


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Wondered if anyone could help me at the last minute as I am in a major panic. I sent in my court bundle- both a copy to the Yorkshire Bank and the courts on time but have recieved no bundle from the bank. The court case is Monday morning at 10am and I have had not one single offer or letter regarding this case since the first standard letter they sent me over 3 months ago.

 

I have just returned from holiday hoping to recieve some kind of offer in the post on my return but they have sent nothing. As both the banks and courts are closed now over the weekend and my case is first thing monday morning I do not know what to do. Looks like I am going to have to attend the court with my bundle and hope they do not turn up to defend. Any help anyone can offer will be great.

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Looks like I am going to have to attend the court with my bundle and hope they do not turn up to defend.

Even if they do, you can request that their defence be struck out on the basis that they have not complied with the court direction to submit their court bundle 14 days prior to the hearing
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If you have not received nothing from them do not worry. I appreciate it is easy for me to say do not panick but I estimate that when they do attend it is equivelent to 1 in 3000 so be assured you will more than likely be alone with the judge.

 

Prepare all your paperwork so that it is easy to locate.

 

For me personally, I want the bank to turn up and defend their claim. I will make sure personally they do not leave the court until they have left a copy of CYNthesys!:D

 

Also note that if you are claiming in the small claims court then the procedure is like attending a job interview. Just be courteous to the judge and you will be fine.

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Yeah, echoing Gogivit you'll probably be there alone, how can the bank turn up when they haven't complied with the Judges directions and submitted a bundle.

 

Stay strong, you are so close and good luck in the morning (not that you'll need it).

 

Let us all know how it goes :D

My YB account: S.A.R. 11/10/06: Prelim 09/02/07: LBA 17/02/07

Wifes YB account: S.A.R. 11/10/06: Prelim 23/11/06: LBA 27/11/06: Offer Rejection 17/12/06: MCOL 09/02/07

Joint YB account: S.A.R. 11/10/06: Prelim 09/02/07: LBA 17/02/07

My FD account: Settled

Wifes FD account: Settled

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Yeah, echoing Gogivit you'll probably be there alone, how can the bank turn up when they haven't complied with the Judges directions and submitted a bundle.

 

Stay strong, you are so close and good luck in the morning (not that you'll need it).

 

Let us all know how it goes :D

 

From personal experience I know that the big companies & to lawyers etc get away with a lot with the Courts.

 

On three occasions I was given my opponents bundle just minutes before going in and only on one of the three times was I given 3 hours to read it before trial started ( I did win though)........so don't be too suprised if they do turn up, give you bundle and judge allows it in.

 

However I would think it is more likely that they will not turn up but take care when you do go in before judge that if he asks you if you believed you breached contract with the bank by bouncing cheques etc that you say YES not NO like Kev did in the LLoyds case fiasco.

 

Have you pm'd one of the mods to get them to give some tips for presenting it to the judge??

 

But don't worry - the judge should be helpful to you as you are a LIP and may as in majority of cases where the banks don't turn up give you judgement by default

 

Good Luck anyway

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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This may help.

 

http://www.consumeractiongroup.co.uk/forum/guidance-notes/641-case-guidance-notes-going.html

 

If they turn up with a bundle (which I doubt), and you really don't want to proceed, ask the judge if you can have an adjournment. As a litigant in person you will need time to read and digest the bundle, so that will give you a bit of breathing space to prepare. I think it unlikely to happen though.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Court case was 10am and at 9.30am I recieved a special delivery through the post - a nice cheque for £1800 which I banked immediately so never had to go to the dreaded court room!!! Talk about leaving it to the last minute. So a great result thanks for all the advice and support you guys and good luck with future claims - Im gonna go for the Halifax now!

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Hope you let the court know.

 

Congratulations by the way.:p

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Congratulations ! And good luck with your next one..................:p :p

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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From personal experience I know that the big companies & to lawyers etc get away with a lot with the Courts.

 

On three occasions I was given my opponents bundle just minutes before going in and only on one of the three times was I given 3 hours to read it before trial started ( I did win though)........so don't be too suprised if they do turn up, give you bundle and judge allows it in.

 

However I would think it is more likely that they will not turn up but take care when you do go in before judge that if he asks you if you believed you breached contract with the bank by bouncing cheques etc that you say YES not NO like Kev did in the LLoyds case fiasco.

 

Have you pm'd one of the mods to get them to give some tips for presenting it to the judge??

 

But don't worry - the judge should be helpful to you as you are a LIP and may as in majority of cases where the banks don't turn up give you judgement by default

 

Good Luck anyway

My court date is looming and i am sending off my court bundle now, but if i am asked if i breached contract and i say YES, do i just say that it's the charges that i find unlawful?

nervous.

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Great news................congrats!:D

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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