Jump to content


  • Tweets

  • Posts

    • The Letter of Claim information is not absolutely essential, but it would be useful for two reasons. Firstly, judges take a dim view of companies or individuals who rush to court without giving the other party notice and a chance to settle - the Letter of Claim.  If they didn't send it we could include this point in your defence and it would be detrimental to them. Secondly, we know Countrywide.  They are a very small cowboy company.  The are reluctant to do court, simply becasue they are very bad  at it.  Their record of beating Caggers in front of a judge is exactly 0%.  They have lost every time.  They send the Letter of Claim also to look for people who don't reply, thinking that the person might not reply to a claim form either, giving them an easy default win.  Conclusion - always best to reply to a Letter of Claim and ridicule the PPC's case.
    • Any update here? I ask as we have someone in a similar situation.
    • Thanks!  I already sent the acknowledgement as i panicked and thought today was the last day to respond.  Then i remembered this wonderful forum.  I'll follow the steps in the sticky next.
    • It's possible.  I suffer from ADHD and also anxiety and depression currently and struggle with paperwork.  I'll have a search around to see if i can find anything.  If they did send something I haven't replied.  I thought there's no way that they will pursue this because I know for a fact i didn't park in a private space and the evidence they have sent is so ridiculous.  What impact does this other paperwork have?
    • The particulars of claim doesn’t mention statement of accounts.  Should I include that in the cpr letter?
  • Recommended Topics

  • Our picks

    • 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
      • 161 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
        • Like
  • Recommended Topics

Clydesdale Bank Nightmare


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6124 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi everyone, im relatively new to this site but have found it very interesting and its brilliant how many are getting their bank charges back - i'm really pleased to have found this site. Hope someone can help me with this problem I've been having with the Clydesdale Bank. The basic outline is: I applied for a current account + offset mortgage 13 months ago and had an interview with mortgage manager. I left him our personal documents (passports, bank account statements, bills, driving license) which he promised to send by end of week. 6 weeks later still no documents and heard nothing re mortgage. A further 6 weeks later he admitted he had lost our documents and had done nothing re: our mortgage. I finally got passed to someone else who apologised and said she would take care of it. One blunder followed another and the end result was that it was finalised in Feb 07 but the current account offset part still was not set up, so we were not getting our mortgage offset by savings we had in bank. They set up a direct debit with our old bank and were taking their payments from our old account. We had no bank cards and no account (they had been opened - but then closed) but nobody knew who was responsible. After many more setbacks we finally got the product we applied for two weeks ago. All of this cost us a lot in interest rates, phone calls, working time, stress, frustration and we did not get our summer holiday last year because we had no passports! A senior member of the complaints department told me I would get compensatet for the trouble and expense we had been out, but I heard nothing more. I phoned the other day and he asked me how much I was looking for. I did not give him a figure - he promised that they would be in touch with a final offer next week (there has not been any other offer - so dont know why he was going on about final offer. I think I should have given him a figure of what I was expecting as I think they are going to offer a mediocre amount. What is my rights here? Can anyone tell me what I should/can claim for? It really has been a nightmare. What should take 6 - 8 weeks took 13 months. Grateful for any advice.

Link to post
Share on other sites

Found your post, and hello to you!

 

This seems like a bit of a nightmare for you at a stressful time. It has also been hugely inconvenient.

 

I am not an expert on what appears to be unrelated to bank charges etc. This is general incompetence which has caused you upset and inconenience and possibly financial cost.

 

They are obviously running scared. Have you got the right products now ie mortgage and accounts.

 

You need to work out what you are out of pocket and what suits you. I am hoping that someone with experience in this type of case will contribute and help you.

 

Remember to increase the sum you are out of pocket, including all expenses and stress/ inconvenience. The banks won't negotiate upwards, only downwards, so start high and be prepared to give a little.

 

Have you put in a formal complaint. Have you considered some other action?

Link to post
Share on other sites

Thanks Kennythecelt. I have been made an offer but I dont think its enough for what Ive been through and the gross incompetence - 13 months before it was set up, tut tut. They mentioned that this is my final offer (although it is the only offer they have made) and told me if Im still not happy to go to the ombudsman. It covers most of what Ive been out but not any of the stress, frustration etc. I dont want to accept this figure - I want more for what we've been through. Any thoughts. Thanks

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...