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    • UK citizens will be subject to the same rules as other Third Country Nationals. Keir Starmer to warn of 'major disruption' risk ahead of new UK-EU border checks | ITV News WWW.ITV.COM Ministers will announce measures to try to blunt the impact of the changes, writes ITV News Deputy Political Editor Anushka Asthana. | ITV National...  
    • Oh I see! thats confusing, for some reason the terms and conditions that Evri posted in that threads witness statement are slightly different than the t&cs on packlinks website. Their one says enter into a contract with the transport agency, but the website one says enter into a contract with paclink. via website: (c) Each User will enter into a contract with Packlink for the delivery of its Goods through the chosen Transport Agency. via evri witness statement in that thread: (c) Each User shall then enter into its own contract with the chosen Transport Agency. Packlink does not have any control over, and disclaims all liability that may arise in contracts between a User and a Transport Agency I read your post at #251, so I should use the second one (and changing the screenshot in the court bundle), since I am saying I have a contract with Evri? Is that correct EDIT: Oh I understand the rest of your conversation. you're saying if I was to do this i would have to fully adjust my ws to use the consumer rights act instead of rights of third parties. In that case should I just edit the terms and stick with the third parties plan?. And potentially if needed just bring up the CRA in the hearing, as you guys did in that thread  
    • First, those are the wrong terms,  read posts 240-250 of the thread ive linked to Second donough v stevenson should be more expanded. You should make refernece to the three fold duty of care test as well. Use below as guidance: The Defendant failed its duty of care to the Claimant. As found in Donoghue v Stevenson negligence is distinct and separate to any breach of contract. Furthermore, as held in the same case there need not be a contract between the Claimant and the Defendant for a duty to be established, which in the case of the Claimant on this occasion is the Defendant’s duty of care to the Claimant’s parcel whilst it is in their possession. By losing the Claimant’s parcel the Defendant has acted negligently and breached this duty of care. As such the Claimant avers that even if it is found that the Defendant not be liable in other ways, by means of breach of contract, should the court find there is no contract between Claimant and Defendant, the Claimant would still have rise to a claim on the grounds of the Defendant’s negligence and breach of duty of care to his parcel whilst it was in the Defendant’s possession, as there need not be a contract to give rise to a claim for breach of duty of care.  The court’s attention is further drawn to Caparo Industries plc v Dickman (1990), 2 AC 605 in which a three fold test was used to determine if a duty of care existed. The test required that: (i) Harm must be a reasonably foreseeable result of the defendant’s conduct; (ii) A relationship of proximity must exist and (iii) It must be fair, just and reasonable to impose liability.  
    • Thank you. here's the changes I made 1) removed indexed statement of truth 2) added donough v Stevenson in paragraph 40, just under the Supply of Goods and Services Act 1982 paragraph about reasonable care and skill. i'm assuming this is a good place for it? 3) reworded paragraph 16 (now paragraph 12), and moved the t&cs paragraphs below it then. unless I understood you wrong it seems to fit well. or did you want me to remove the t&cs paragraphs entirely? attached is the updated draft, and thanks again for the help. WS and court bundle-1 fourth draft redacted.pdf
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    • 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
      • 162 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
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Hi all,

Got the copies of my statements on Saturday (2 days to spare!!).

I worked out they have charged me £1,246 +interest. Since Nov 2001

Just getting my prelim letter ready and have 2 questions;-

1. Do I send the prelim letter to the guy who answered my request for the info?

2. As I have always had an overdraft on this account I get charged interest on my account every month usually £2 ish. But some months it's up to £19 after the months with charges in. How do I know which part is the interest for the charges and what is for the overdraft? This is made harder as the take the interest on the last day of the month (the same day I get paid) so I’m not usually overdrawn so the interest is not totalling up in the spreadsheet.

Hope you guys can help

Thx Tom

-----------------------------------------------------------------------------------------------------------------------

Data PAct halifax 19/6

Conf letter 22/6

£10 Fee taken 30/6,

List of charges recived 29/7

Prelim sent 31/7

LBA sent 15/8

Court action start 30/8

Offered £160 & then £482 as full settlement 6/9 LOL

19/09 Full settlement of part 1 £710 charges, £200.88 interest & £39 costs. :lol:

2nd cout action started 27/09 paid in full 29/11:smile:

MEAF Reclamed X2 £75 Halifax & £175 from C&G here's how http://www.moneysavingexpert.com/reclaim/mortgage-fees

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Tom you should send to their Trinity road address.

 

As for your questions on the interest....have a look at this.

 

 

http://www.consumeractiongroup.co.uk/forum/general/6964-spreadsheet-interest.html

 

Although it deals primarily with the spreadsheets,there are lots of posts there about your questions.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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1 - you can do, but it's not essential. I used 'Customer Relations' for mine.

 

2 - You have to look at the interest debited. If it says just that then take the lowest balance (highest overdrawn) in the month up to the interest. If it says Interest debited as notified, then go back another month and take the lowest balance from that month.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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I sent mine to the trinity road address. As for interest used the spredsheet template and make sure you send a list of charges you are claiming back I did mine like the spreadsheet template.

 

hope this helps.

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All Sorted now thx for the help :)

 

Prelim Letter sent 31/7/06

 

Just waiting now to see what they do.....

 

 

Tom

-----------------------------------------------------------------------------------------------------------------------

Data PAct halifax 19/6

Conf letter 22/6

£10 Fee taken 30/6,

List of charges recived 29/7

Prelim sent 31/7

LBA sent 15/8

Court action start 30/8

Offered £160 & then £482 as full settlement 6/9 LOL

19/09 Full settlement of part 1 £710 charges, £200.88 interest & £39 costs. :lol:

2nd cout action started 27/09 paid in full 29/11:smile:

MEAF Reclamed X2 £75 Halifax & £175 from C&G here's how http://www.moneysavingexpert.com/reclaim/mortgage-fees

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  • 2 weeks later...

Well they did nothing :mad:

 

So LBA sent today 14 days to go more waiting..:) :)

 

Fingers still crossed Tom

-----------------------------------------------------------------------------------------------------------------------

Data PAct halifax 19/6

Conf letter 22/6

£10 Fee taken 30/6,

List of charges recived 29/7

Prelim sent 31/7

LBA sent 15/8

Court action start 30/8

Offered £160 & then £482 as full settlement 6/9 LOL

19/09 Full settlement of part 1 £710 charges, £200.88 interest & £39 costs. :lol:

2nd cout action started 27/09 paid in full 29/11:smile:

MEAF Reclamed X2 £75 Halifax & £175 from C&G here's how http://www.moneysavingexpert.com/reclaim/mortgage-fees

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Stick with it Tom

 

If you are familiar with the Halifax ways of doing things recently then you will know..........not too lohg to go now !

 

;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 2 weeks later...

Hi Guy's off to court to file my claim, well the 1st one anyway as i'm in Scotland and will be breaking my claim into two..

 

Wish me luck :)

 

 

Tom

-----------------------------------------------------------------------------------------------------------------------

Data PAct halifax 19/6

Conf letter 22/6

£10 Fee taken 30/6,

List of charges recived 29/7

Prelim sent 31/7

LBA sent 15/8

Court action start 30/8

Offered £160 & then £482 as full settlement 6/9 LOL

19/09 Full settlement of part 1 £710 charges, £200.88 interest & £39 costs. :lol:

2nd cout action started 27/09 paid in full 29/11:smile:

MEAF Reclamed X2 £75 Halifax & £175 from C&G here's how http://www.moneysavingexpert.com/reclaim/mortgage-fees

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Hello :)

 

Got a phone call from Michael Davernport (customer relations) today

 

His Direct phone number is 01212541068 (another for the list:D )

 

He offered me £160........ LOL then £482 still no chance..this was in response to my LBA, better late than never.

 

I also got a letter from Dundee Sheriffs court, Return Date 9/10 hearing date 16/10. Looking forward to it, Not long to go now.

 

Will keep you all updated

 

Tom

-----------------------------------------------------------------------------------------------------------------------

Data PAct halifax 19/6

Conf letter 22/6

£10 Fee taken 30/6,

List of charges recived 29/7

Prelim sent 31/7

LBA sent 15/8

Court action start 30/8

Offered £160 & then £482 as full settlement 6/9 LOL

19/09 Full settlement of part 1 £710 charges, £200.88 interest & £39 costs. :lol:

2nd cout action started 27/09 paid in full 29/11:smile:

MEAF Reclamed X2 £75 Halifax & £175 from C&G here's how http://www.moneysavingexpert.com/reclaim/mortgage-fees

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Share on other sites

Is it worth rining the Halifax to try to speed up my Claim??

 

 

or do i just have to wait???

 

 

Tom

-----------------------------------------------------------------------------------------------------------------------

Data PAct halifax 19/6

Conf letter 22/6

£10 Fee taken 30/6,

List of charges recived 29/7

Prelim sent 31/7

LBA sent 15/8

Court action start 30/8

Offered £160 & then £482 as full settlement 6/9 LOL

19/09 Full settlement of part 1 £710 charges, £200.88 interest & £39 costs. :lol:

2nd cout action started 27/09 paid in full 29/11:smile:

MEAF Reclamed X2 £75 Halifax & £175 from C&G here's how http://www.moneysavingexpert.com/reclaim/mortgage-fees

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Is it worth rining the Halifax to try to speed up my Claim??

 

 

or do i just have to wait???

 

 

Tom

 

You just need to wait......it's a pain but as it's in the courts hands now then things will be moving.

Halifax Plc - £1,956.00 + £360.15 interest = £2316.15

Preliminary Letter Sent - 7/8/2006

Standard blah, blah Letter arrived - 12/8/2006

LBA Letter Sent - 21/8/2006

Filed Moneyclaim - 04/09/2006

Moneyclaim Issued - 05/09/2006

Moneyclaim Acknowledged - 06/09/2006

**Settled in Full** - 11/09/2006

 

Barclays Bank Plc - Statements arrived - £250.00

Preliminary Letter Sent - 12/9/2006

 

 

Step-by-Step Instructions

A Good Place to Start

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Thx will do

 

Tom

-----------------------------------------------------------------------------------------------------------------------

Data PAct halifax 19/6

Conf letter 22/6

£10 Fee taken 30/6,

List of charges recived 29/7

Prelim sent 31/7

LBA sent 15/8

Court action start 30/8

Offered £160 & then £482 as full settlement 6/9 LOL

19/09 Full settlement of part 1 £710 charges, £200.88 interest & £39 costs. :lol:

2nd cout action started 27/09 paid in full 29/11:smile:

MEAF Reclamed X2 £75 Halifax & £175 from C&G here's how http://www.moneysavingexpert.com/reclaim/mortgage-fees

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  • 3 weeks later...

Hi All,

I've been on holiday in Turkey :)

 

I checked my bank account while i was away and.............

 

£949.88 credit from Halifax :lol: :lol:

 

I WON !!!!

Part 1 down part 2 on it's way to court in the next few days..

 

Thx for all the help and advice i'll do the survey and a donation is on it's way

 

 

Tom

-----------------------------------------------------------------------------------------------------------------------

Data PAct halifax 19/6

Conf letter 22/6

£10 Fee taken 30/6,

List of charges recived 29/7

Prelim sent 31/7

LBA sent 15/8

Court action start 30/8

Offered £160 & then £482 as full settlement 6/9 LOL

19/09 Full settlement of part 1 £710 charges, £200.88 interest & £39 costs. :lol:

2nd cout action started 27/09 paid in full 29/11:smile:

MEAF Reclamed X2 £75 Halifax & £175 from C&G here's how http://www.moneysavingexpert.com/reclaim/mortgage-fees

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2nd cout action started 27/09

 

 

Here we go again

 

Tom

-----------------------------------------------------------------------------------------------------------------------

Data PAct halifax 19/6

Conf letter 22/6

£10 Fee taken 30/6,

List of charges recived 29/7

Prelim sent 31/7

LBA sent 15/8

Court action start 30/8

Offered £160 & then £482 as full settlement 6/9 LOL

19/09 Full settlement of part 1 £710 charges, £200.88 interest & £39 costs. :lol:

2nd cout action started 27/09 paid in full 29/11:smile:

MEAF Reclamed X2 £75 Halifax & £175 from C&G here's how http://www.moneysavingexpert.com/reclaim/mortgage-fees

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  • 2 weeks later...

Hi all,

 

Just joined you today and boy are you lot helpful !!

Hoping you can help me on this one. I am going to be trying to claim back from Halifax. I have opened a new account today with NatWest so not worried about Halifax closing my account. Problem is, I have a loan with the Halifax - could they use that against me in anyway??

 

Thanks guys

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Shouldnt do as the loan will be a separate agreement to the account.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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