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    • Alright DX, will do. Re 30 days, I thought that was the standard for these letters i.e. giving you 30 days to reply before court action?
    • so this was an email not a royal mail letter. they use email as a free way to p'haps scam mugs that know no better. not sure what this 30 days is you are going on about? send the SB by surface mail get free proof of posting. dx  
    • The firm said this month that its founder would sell up to 50 million shares over the next year.View the full article
    • Thanks DX, will aim to do that asap. A thought that came to my mind. The letter they sent doesn't have a 30 day deadline and I received it by email. Is that against the rules or have I got it wrong?  
    • Martin Lewis was one of the people who set up Money Saving Expert - and their site, like ours, takes great pains to point out that the parking companies issue invoices, not fines. A private company has as much right as me or dx or you to issue a fine - i.e. none. I haven't seen the programme but I'm damn sure Martin Lewis wasn't so stupid as to talk about non-existent "fines". I don't know what you mean by "unqualified".  Dx, Honeybee, Brassnecked, LFI and the other long-term Caggers have been here for 18 years dealing with about 22,000 of these cases.  The vast majority don't reach court, and of those that do about 85% are won.  Seems pretty "qualified" to me.
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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.
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      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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Can i have a go

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Just been put onto this site by a family member.


I was charged by Abbey last year for going ever so slighly over my overdraft


the situation was:


i did not have an overdraft at the time and i spend £30 over the limit as an oversight.


these transactions were for 2.70, 3.24 etc. In total there were 6 seperate transactions totally just over £30 for that honour Abbey charged me over £300


they then charged me again as it was done over a month period period before it was picked up. And i obviously didnt have an overdraft.


I then had to take out an overdraft of £500 to cover the charges as i couldnt afford to lose +£300 just like that.


Then also chaged me £120 for missed DD's due to the charges being over the amount i pay in to cover bills/. I did compain at the bank and followed it up with a letter at the turn of the year. The letter was not responded to and the oral complaint was dismissed by trying to sell me a loan to cover my costs as i obviously ' couldnt manage my money effectively'


What actions should i take. Do i need to start the process again formally??


any help will be great.




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Hi Luke


To put it simply, the answer is YES!!!!


You should send the DPA requesting all statements and charges for the period you wish to claim for, or better still if you have the statements it will save you time. Then send your prelim letter which they will try and fob off, give them 14 calender days (not work days) and then hit them with the LBA. Allow them a further 14 days and if they don't (and they won't) offer your full refund, then it is time to put in a formal claim. I know it is a little intimidating, i put my claim in against them on friday of last week. But the main thing is to stick to your guns, and not let them try and fob you off or scare you out of what is yours.


Good luck



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