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    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
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    • We have finally managed to obtain the transcript of this case.

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Federer Vs Bank Of Scotland


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Hi all,

 

Came across these forums through an other bank chagres site, happy to be a part of it!

 

my current situation is that i have just recieved the standard fob of letter yesterday, a couple of useful pamphlets...haha & a 2 page photo copied letter trying to throw me off the scent.

 

I am currently reclaiming around £2000 in charges from the HBOS after 3 nightmare years with this bank resulting in failed payments to loans etc after the ridiculous amount of charges i would recieve each month. I am overdrawn though, what would be the likelyhood they close my account down IF they do decide to pay up?

 

Also, whats the estimated time etc after sending the 2nd letter (today) threatening to take them to court etc

 

any help and a rough idea of where to go from here would be very much appreciated!

 

:)

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first of welcome to the site you will get all help you need here you send your lba and its 14 calander days then you start to file court being overdrawn shouldnt make any difference i was and i still won if you need any help just shout

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Thank you Tilly! i'm a bit naive here but i'm gueesing the LBA would be the second letter "i'm dissapointed you have decided not to refund my charges....i wish to hear from you within 7 days or i will take the following action....small claims court...FOB etc"

 

or...

 

The LBA being when i get the financial obsduman involved?

 

Cheers!

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perfect! right i think i know where i stand now, which is ideal...just a case of waiting to see what their next move is then?!

 

one thing i have noticed by looking around though is that i never included interest charges in my claim...

 

i'm also hazarding a guess that they will try and put this off for as long as possible?

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seems a bit crazy that i'm going to file a court claim against...a bank!

 

 

Maybe we should issue default notices on THEM!

 

evilgrin0044.gif

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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Hi again everyone

 

right i'm now wondering if i should maybe give the bank a call to see where i'm at,i've sent my LBA well a letter very similiar to the bank which would have been delivered monday/yesterday latest. with my threat to issure further action in 7 or 14 days respectively.

 

should i call or shoul i wait...i just don't want to sit around twiddling my thumbs!

 

hope everyones cases are going well

 

 

oh and heres an interesting fact. i got a notice from a collection company!? today asking for payment of £200 from my account...i do not have any loans! I paid of all outstanding debt last year....very strange

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If you have sent your lba, then im afraid it is twiddling your thunb time for 14 days.

 

You can read up on the next stage, have you decided wether to do mcol or N1.

 

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html#post614610

 

Also which debt company contacted you?

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Hi sea-side lady!

 

masterloan, on behalf of...Alliace & Leicester! whom i have never dealt with. which i find unreal, considering they have gave me 48 hours to pay this sum and this being my first correspondance!

 

thanks, i'll start preparing for the final stage :D

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ok...........

 

just called the HBOS to confirm my 2nd letter had arrived, it had. but the woman in customer relations pointed out to me they now have until the 16th of august to reply?!?! i beg her pardon. i was sure they had only 14 days!

 

any idea why they would give themselves that amount of time?

 

sorry about all these questions!

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You need to stick to your time scales. 14 days is plenty.

 

They are trying to drag it out, but you know better..;)

 

It does look like it might be a mistake for the debt company if you have never had an account with A&L.

 

This is the forum that deals with this, it is worth posting in there.

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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SSL is, of course, again, as ever - CORRECT!

 

Your time-scales - not theirs!

  • Haha 1

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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tick tick tick!

 

haha. getting there now, Actually looking forward to the next step! i take it once i send over my complaint to the FO i send a copy to the bank to let them know i am pressing further action, i've been waiting years for this..!

 

Cheers for the help so far folks :)

  • Haha 1
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Wouldn't do any harm correcting their misinformation by calling them.

 

The more you add to your *file* with them - the better.

 

Be polite:

 

"I'm just calling you to correct something said to me on the phone on DATE. You should, of course be aware that you have 7/14 days (delete the wrong one) to reply."

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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  • 2 weeks later...

okay doke!!!

 

their time is up. still no reply and i've waited at least 16 days between the two lbs i sent. do i call the FO first?

 

thanks for the help everyone, the finishing line is in sight!!

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right...

 

haha next step completed.

 

just off the phone to a very helpful at the FO. my complaint form to open an independent investigation will be sent to me in the next few days.

 

now....i'm about to call the bank and let them know off this? all sound ok so far?

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still keep getting fobbed off! "we have until the 14th of august...blah blah blah...8 weeks blah blah blah"

 

the girl on the phone from the bank there seemed like a genuinely nice person and has now e-mail a senior manager etc with the stage i'm at as i said my first letter with enclosed bank charges etc came through sometime in may so how can 8 weeks be august 14th?!.

 

Is this good or bad?!

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Whoops! I think so! This was to the posting before your latest one!

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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Is this good or bad?!

 

It's good from your point of view ..... Bad from theirs!

 

In fact, it just goes to show the pressure they are operating under. Well, tough cheese! They put US under enough pressure in the past!

 

REMEMBER: YOUR TIME-SCALE - NOT theirs!

 

 

PS. Thanks for tippin me scales, kind sir! If I hadn't given out a lot of lovies today, I'd reciprocate!

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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:)

 

the ball is well and truly in motion now. once i get the letter from the FO i'll feel a lot better, dusary since this case is in scotland what happens once the FO get involved?

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Same as it would in England or Wales or N Ireland!!

 

It IS an UNITED KINGDOM!

 

happy0032.gifhappy0032.gifhappy0032.gifhappy0032.gif

 

 

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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