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    • Thank you very much for your letter in regard to the above mentioned shipment.  Due to the high volume of parcels coursing through the courier network each day, undergoing continuous processing and handling, certain packages may experience delays or even can get lost in the course of this journey. Please note that due to the time that has passed, this shipment has been declared as lost.  I have today processed the claim and made offers to the value of £75 as a goodwill gesture without prejudice. I do acknowledge that you have mentioned in your letter that the value was higher, however, you did not take out any protection to that amount. The protection for this shipment was £20 and we will not be increasing our goodwill offer any further.    Please log into your account online in order to accept our offer. Once accepted, our accounts department will process the claim accordingly. The claim payment will be processed and received within 7 working days.                                  In addition, a refund of the carriage fee will be processed as a separate payment and will be received within 3 working days.  If I can further assist, please feel free to contact me.   I have also just noticed that yesterday afternoon they sent me an email stating that "after my request" they have refunded the cost of shipping. I did not request the refund so will mention that in my letter as well.
    • Hi I had to leave Dubai back in 2011, during the financial crisis. And only now have I received a letter from IDRWW. Is this anything to worry about about as I have 2 years left until it’s been 15 years(statute barred in Dubai). Worried as just got a mortgage 2 years ago. Could they force me in to bankruptcy? Red lots of different threads on here. And unsure what true and what isn’t. 
    • Not that TOR will see this now he's thrown in the hand grenade. Rayner has plenty of female supporters on X, for a start. As for the council and HMRC, fair enough and I thought Rayner was already in touch with them. That's where it should be dealt with, not the police force. @tobyjugg2 Daniel Finkelstein thinks the same as you about tax. The Fiver theory. How the Fiver Theory explains this election campaign ARCHIVE.PH archived 28 May 2024 17:36:51 UTC  
    • Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
    • So Rayner who is don’t forget still being investigated by the local council and HMRC  is now begging to save her seat Not a WOMAN in sight in this video other than Rayner  Farage is utterly correct this country’s values are non existent in her seat   Rayner Pleads With Muslim Voters as Pressure From Galloway Grows – Guido Fawkes ORDER-ORDER.COM Guido has obtained a leaked tape from inside a meeting between Angela Rayner and Muslim voters in Ashton-under-Lyne...  
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    • 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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

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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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tina_cool v HSBC


tina_cool
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Hi - only came across this site yesterday - have already successfully opened a parachute bank account today with Nationwide in case I need a buffer. Have just been through my FD statements and since Sep 2001 I've been charged > £2000 - this is for O/D and XS O/D fees - think of the fun I could have had with that. Seriously though, looking at other posts I'm assuming I can make a claim against these charges. Please can someone confirm whether this is the case before I make prat of myself, and what is my next step.

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Hi and Welcome

 

yes you can claim them back but before you do anything you must spend a few days to read around the forum and read the FAQ's .You need to become aware of what you are undertaking.

 

 

 

You have posted the same question in 2 different places ,please keep to your original thread

  • Confused 2

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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I can only find statements back to Sep 2001 but have had my account with FD for about 9 years. Do I need to make a money claim for a full 6 years or can I just go back as far as Sep 2001. I'm keen to start on this a.s.a.p. before my courage goes!

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Threads merged - please stick to one thread.

 

You could just claim back to Sep 2001, but why do that when you can claim for the whole 6 years?

 

I would claim for the whole lot.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Have just completed the request for repayment letter to send with a schedule of charges - have £2132.41 in o/d and excess o/d charges. Letter will be sent recorded delivery tomorrow. Will keep you updated with progress..or not. Thanks to all the posters for helpful info.

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Well I just knew it would have to be me! Sent my prelim letter first class recorded on 19/6 and according to Royal Mail customer services it's still not been delivered. Guess I'll have to send the info again just in case it has been lost in the post - this makes things a bit confusing with the dates especially if my original letter eventually turns up. Good old Royal Mail, you can always rely on them to c..k things up.

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There is no need to obtain proof of delivery, or even proof of posting.

 

As long as you keep a copy of the letter you have sent the court will assume it has been delivered.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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I guess Royal Mail aren't too good at updating their records - just had post delivered and lo and behold have a reply from FD so they've obviously rec'd my letter. Anyway, it was the standard don't agree with your claim, write to Robert Kernaghan so will check on other postings to see what my next course of action is. Cheers.

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  • 2 weeks later...
  • 2 weeks later...

Well, I've still not received a reply from FD following my LBA so guess it's almost time to make the moneyclaim. The only query I have is that when I made my initial claim, as well as claiming the O/D and XS O/D charges I also claimed the charges which had appeared on my statements as 'interest'. Was this the correct thing to do? If not, when I complete the money claim should I disregard these and just claim for the O/D and XS O/D charges. Having got this far I don't want to jeopardise my claim. Thanks for all the help so far.

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HELP!! I'm in the pocess of completing moneyclaim on line as FD have now replied and advsed me to refer to Ombudsman etc etc. My question is , when completing the moneyclaim on line you are not able to send the schedule of charges with it as an attachment - is this likely to be a problem? FD have already seen my schedule of charges twice so they're well aware of the charges I'm claiming for - is it sufficient for me to put the totals only on the moneyclaim. please would some kind person be good enough to reply urgently as i'd really like to complete this tonight. many thanks.

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If you have already sent the schedule of charges twice there is no need to include it with your claim.

 

They would look rather foolish if they said they didn't know what you were claiming for or how you arrived at your total figure.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Thanks for the prompt reply - just one last thing - the moneyclaim site advises that you must include the 'daily rate' of interest you are charging and gives a formula for calculating it - I've tried applying this formula on the amount I'm claiming but it doesn;t look right. Maths was never my strongest subject , is there an easy formula?

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I assume you've already calculated the 8% interest using the spreadsheet?

 

To work out the daily rate of interest:

Claim amount (excluding costs and interest) x 0.00022

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Hi Tina,

 

Looks line we're on similar timescales as I submitted my moneyclaim on Monday. I sent a copy of a breakdown of the claim to the County Court and a copy of the claim form and particulars of claim to First Direct, both by Recorded Delivery. I want my money back asap and am therefore trying to prevent them from delaying by saying they don't have the full information.

 

Let's see who gets to the finishing post first!:)

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As far as I'm aware the court will advise FD of the claim against them - if you've already been through the steps of the prelim letter and LBA they'll already have details of what you're claiming.

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Hi guys, congrats to all those who's claims have recently been settled. Filed my money claim and it shows as issued on 19/7/06 but haven't had any response from FD yet. Being a 'glass half empty' sort of person I hope mine isn't going to be the test case at court. Will keep you posted.:(

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