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    • Unsure what would be classed as appeal I first contacted the applicant then IAS. I am not aware I could appeal again as Bank state I was informed that is news to me. I would have to look through the paper work, I apologise I forget so much due to my caring duties wish I had quality time to get so much done. Will try and look tomorrow, appreciate everyone's time and input.
    • Hi, I've been reading the invaluable advice on this forum and reading about the problems with Evri and lost delivery of items.  From what I gather the initial steps after having exhausted every's own lost item claim process is to draft a Letter of Claim, I think it is called and to register with the government Money Claims.  I have got a login for Money Claims and have made an initial stab at the letter but I'm not certain I have got it right. Am I right to assume that having exhausted Evri customer service's claims process and having received the denial of any compensation because the laptop I was sending is on the non-compensatory list that my next step would be to send the Letter of Claim to them? Let me provide some basic details which I hopefully have addressed in the letter. I purchased a laptop through Amazon.co.uk which a business in Belfast sold refurbished laptops through.  They had a 30 day money back guarantee for a full refund if you have any issues with the laptop.  I have the invoice from Amazon showing the purchase.  On 27 April, 2024 before the end of the 30 day period I used their ParcelShop (inside a Tesco) to send the laptop back and have the tracking reference mentioned in the letter.  As mentioned in the letter there was they advised they could not give me or sell me any insurance because laptops are on the non-compensatory list so I just paid the normal delivery cost.  It was scanned as leaving the ParcelShop on 29 April and the tracking has been like that ever since.  After a 28 working day Evri claim process they gave the expected response that they could not provide any compensation and simply could not proceed with my claim. I was hoping to get some advice on whether I go ahead now and email this to Customer Services straightaway and should I send a hard-copy to the Evri address as well?  Or are there any steps I have missed out on first?  I believe 14 days is the reasonable period of time for them to respond so if I were to send it tomorrow, for example 12 June then I should expect a reply by 26 June, is that correct and fair?  And assuming they don't reply with a full refund then I would then go down the government Money Claims site to proceed with that? Sorry for all the questions, I want to make sure I go about it properly.  I'll continue to read through other cases on here so I can get an even better handle on the process. I attached a LOC, happy for any edits or updates that will make it even better. Thanks so much for anyone's help! Regards, Matt Evri letter of claim.docx
    • The date was 3 June. Get on MCOL now. The legal principle is that, even if you defence is late, if the other party hasn't requested judgement, then your defence takes priority and is accepted. You might be in time. When I say now I mean now.  Recently we had someone who was nine days' late and this was pointed out to them at 5:30pm.  They faffed around till 11pm.  When they went on MCOl they saw that judgement had been entered at 7pm. Every minute is vital. File the below standard defence if you still can - 1.  The Defendant is the recorded keeper of [motor vehicle]. 2.  It is denied that the Defendant entered into a contract with the Claimant. 3.  As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance.  The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner.  Accordingly, it is denied that the Claimant has authority to bring this claim.    4.  In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5.  The Claimant is attempting double recovery by adding an additional sum not included in the original offer.  6.  The Particulars of Claim is denied in its entirety.  It is denied that the Claimant is entitled to the relief claimed or any relief at all.
    • Hi friends,  I’m a bit worried I may have got confused with timings here. I thought I had 33 days from my acknowledgment to submit a defence but the date added above says 3/6/24.   have I missed the date?   if so how can I apply for an exception due to my disability and problems with deadlines and dates etc (ADHD)?   what should I submit as a defence?   I’ve had no reply from BW so far    just been back on MCOL and it says 28 days from service if I completed an acknowledgment of service so does that mean 28 days from that of acknowledgement (I.e. 16/5) which would make deadline for defence 14/6?   Thanks! Panicking here.
    • Normally we don't advise playing your cards early in a snotty letter, but as you have appealed we might as well use what you wrote in the appeal against them. There is no rush, you have until 6 July to get it to them.  See what the other regulars think too. How about something like this? -   Dear Rachael & Sean, cheers for your Letter of Claim.  I rolled around on the floor in laughter at the idea you'd actually thought I'd take such tripe seriously and would cough up! As usual you'll have been too bone idle to do any due diligence.  Had you done so you would have seen that I appealed to your client.  Indeed the driver on the day is a textbook example of having done exactly what you should do when you do not wish to be bound by the T&Cs in a private car park. Of course none of that mattered to the spivs you represent but do you really want to put such a useless case in front of a judge? To be fair, your clients are very useful members of the human race - as comedians.  How I loved the page turner of their antics at The Citrus Building in Bournemouth.  It was chuckle after chuckle reading about them, letter after letter, month after month, insisting they were legally in the right, even through someone who had done just the first day of a GCSE law course could have told them they weren't.  Until the denouement - BOOM - an absolute hammering in court.  In fact - SLAM, BANG - managing to lose twice against the same motorist for the same car park in front of two different judges. Your client can either drop their foolishness now or get yet another tolchocking* in court where I will go for an unreasonable costs order under CPR 27.14(2)(g) and spend the dosh on a nice summer holiday, while every day laughing at your clients' expense. I look forward to your deafening silence. COPIED TO COUNTRYWIDE PARKING MANAGEMENT LTD   *  This word is used under licence from Brassnecked
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First Direct - Started the ball rolling, first letter


carled
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Be prepared to go to court if they should defend.

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Hi Carled. Look at my thread in other institutions. I'm in the same boat. My deadline runs out monday 13th march after giving them an extra 10 working days at their request. They then replied on thursday saying they need another 10 working days to investigate. Seems they're taking the pi@s of us both. Maybe we'll both be the first, hey!!!!! Just my luck too.

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If you find this site helpful and if you reclaim your charges please donate by clicking the button at the top of the page

 

First Direct 1 - settled

First Direct 2 - settled

RBS 1 - claim made 8/5/6

RBS 2 - claim made 8/5/6

GE Capital - counter claim 6/5/6

Halifax - settled 31/5/6

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  • 2 weeks later...

Well... I decided to use the proper court forms to allow me to structure things properly and sent off the court forms last Wednesday. Not yet heard back with a case no. or anything, but will contact admins when I hear.

 

Yesterday (more than 7 days after previous letter saying they would definitely respond within 7 days) I got a letter from them... guess what? It's taking longer to investigate than they thought, they appreciate my patience (hah!) and they'll be in touch "definitely" within 7 days... :lol:

 

They're going to have little surprise when the court forms reach them shortly, aren't they? :D

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Court forms received back stamped. Dave PM'd with details for litigation section.

 

On dates, can someone please clarify what the timescale is as I'm a bit confused by this. On the court form, the official date of issue is 15th March. However, First Direct won't have received the forms on that day. Do I assume they got the documents yesterday (the same as I did) and the 14 days to respond goes from then?

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I think that it is normally 2 working days for deemed service.

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Got home today to find a letter waiting from First Direct written by Sam Farrell in Customer Relations... obviously they wrote this before getting the court documents served on them!

 

 

 

Thank you for your letter dated 21 February requesting a refund of £3579.31.

first direct does not agree with your contention that the charges which have been applied to your account constitute a penalty and are therefore unenforceable. The contract between the bank and its customer is governed by our Account Terms and Conditions. In respect of overdrafts, l would refer you specifically to Part 2: Operating Your Account, Clause 6.9,

which states: -

 

''If your account goes overdrawn without an agreed overdraft, or you go over an agreed overdraft limit, we will charge interest at our Unauthorised Overdraft Interest Rate on the amount of unauthorised borrowing. We will also charge you an Overdraft Fee for any statement Month-when the balance on your account exceeds your limit-, whether for one day or more. An Excess Overdraft Fee will also be charged for any day where there are subsequent increases in the excess or a reoccurrence of an excess during the statement month. Our Overdraft Fees are published in our Interest Rates and Charges leaflet.”

 

Our fees and charges are clearly stated in our published Interest Rates and Charges leaflet and the circumstances in which these charges apply are clearly set out in our terms and conditions which you will have been provided with a copy of when you opened your account.

 

We are therefore unable to agree to your request. If you wish to escalate your concerns to the next stage, you can write to Robert Kernaghan, Customer Relations Manager, at the above address.

 

If we do not hear from you within the next eight weeks, we will consider matters resolved.

 

Complaints we cannot resolve may ultimately be referred to the Financial Ombudsman Service, further details of which can be found in our 'listening to your comments' leaflet.

 

Simply astonishing to find that they took some 21 days to come up with the same letter they have written to loads of other people, isn't it?

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Identical to the letter we recieved today!!!!!!!!!!!!!!

If you found this post helpful please click on the scales, top right. Thank you.

 

If you find this site helpful and if you reclaim your charges please donate by clicking the button at the top of the page

 

First Direct 1 - settled

First Direct 2 - settled

RBS 1 - claim made 8/5/6

RBS 2 - claim made 8/5/6

GE Capital - counter claim 6/5/6

Halifax - settled 31/5/6

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Simply astonishing to find that they took some 21 days to come up with the same letter they have written to loads of other people, isn't it?

 

Is it just possible they have checked their position with their Legal bods and have decided to challenge you guys? Like you said, it has taken them over 3 weeks to decline your requests. It may be they know (or think) they are going to be safe and are happy to defend their corner. Just a thought!

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As I said on another thread, do you think that they send all these letters then the final one to deter the majority of people from persuing it further?

If you found this post helpful please click on the scales, top right. Thank you.

 

If you find this site helpful and if you reclaim your charges please donate by clicking the button at the top of the page

 

First Direct 1 - settled

First Direct 2 - settled

RBS 1 - claim made 8/5/6

RBS 2 - claim made 8/5/6

GE Capital - counter claim 6/5/6

Halifax - settled 31/5/6

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Yes. They will delay, obfuscate and generally try to make you go away.

 

Don't give up. You set the agenda not them.

 

Just keep to the timetable.

 

They will, in the end get the message.

The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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Of course they do. Most of the banks aren't prepared to risk things in court but they will try to grind you down, put you off, divert you down blind alleys, suggest that you make irrelevant complaints to the ombusdman, say they accidentally dropped your letter in the office fish tank, claim they don't know you, say the guy you need to speak to you has gone backpacking for six months in the Andes... you get the picture.

 

The banks do not have your best interests at heart. They do not want to "investigate your complaint" and "resolve it to your complete satisfaction". They want you to go away so that they can extort unlawful penalty charges from some other sap.

 

Take control. Set the agenda and take your money back!

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  • 2 weeks later...

Latest update... no news is good news I hope...

 

I have the court docs in my possession from when they were issued - the court states that First Direct have "until the 6th April to respond" making that Thursday. Now onto semantics... "until Thursday"? Is that by Wednesday evening or by Thursday 6th at, say, 5pm? So far there's not a dicky bird in response, so I hope the barstewards have managed to overlook the court form and I can slap in a default judgement on them.

 

I bet they get in a response to extend their time limit JUST in time...

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Thats interesting mate, i'm just about to file my claim.

 

To answer your question I believe its Thursday at 4pm. Thats when the court staff finish.

First Direct, £4031 Recovered

Halifax, £953 Recovered

MBNA Credit Card, £120 Recovered

American Express, £160 Recovered

Coming Soon......

Blackpool Council, £190 in unlawful parking tickets

Carstoppers. £50 from the cowboy clampers

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OK... I suppose that the phrase is, "Wahoo!" Just spoken to the county court and they have confirmed that First Direct have failed to file any acknowledgment or defence by the end of yesterday... she said, "you can now apply for default judgement."

 

Can I just clarify, before putting in the claim, that I can add on x days worth of interest (at 68p per day as specified on my claim) now? It'll add another 24 days, which is £16.32.

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Well done mate, they acknowledged mine this morning :(

First Direct, £4031 Recovered

Halifax, £953 Recovered

MBNA Credit Card, £120 Recovered

American Express, £160 Recovered

Coming Soon......

Blackpool Council, £190 in unlawful parking tickets

Carstoppers. £50 from the cowboy clampers

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hope this isn't the start of them going to defend all the claims!

 

In light of the OFT statement, I eagerly await the defence!

First Direct, £4031 Recovered

Halifax, £953 Recovered

MBNA Credit Card, £120 Recovered

American Express, £160 Recovered

Coming Soon......

Blackpool Council, £190 in unlawful parking tickets

Carstoppers. £50 from the cowboy clampers

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Mondeo - where are you based? i.e which court will the hearing be at if FD dare to let it go that far?

 

Reply by PrivMsg is you wish.

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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Started the ball rolling, first letter

 

Bet this seems like a long time ago. Well done and congratulations. Have a drink for all of us!!!!!

 

Just out of interest, in case they do the same to us, and by then you'll be sworn to secrecy, what do you recon is a fair price to keep your gob shut.

 

Keep your fingers crossed for us, please!!!!!!!

 

Will keep you informed.

If you found this post helpful please click on the scales, top right. Thank you.

 

If you find this site helpful and if you reclaim your charges please donate by clicking the button at the top of the page

 

First Direct 1 - settled

First Direct 2 - settled

RBS 1 - claim made 8/5/6

RBS 2 - claim made 8/5/6

GE Capital - counter claim 6/5/6

Halifax - settled 31/5/6

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Further update (good grief these things drag on!)

 

Spoke to court today and apparently "judgement was entered" yesterday (19th April). Apparently this means that a letter has been sent out to both me and the bank. I will give them until the middle of next week to cough up and then go to the enforcement people to try and sort out the next step...

 

Hopefully FD will roll over now and just pay up, although it does appeal to my twisted sense of humour to have a bailiff knocking on their door... :-)

 

I bet that if/when they finally pay up, it'll be accompanied by a letter telling me to close my account forthwith...

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Excellent news!

 

The worst thing about all this, for me at least is that [apart from their unlawful penalty charges] they're a really good bank to deal with in my opinion!

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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