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    • Attaching Exhibit A as I would like some validation that this email consitutes indeed a draft defence. If not; i might need to tone down my argument. Exhibit A. Draft Defence Redacted.pdf
    • Appreciate your swift input and amendments! I've reworded some of it (and will likely reformat the page a bit before printing to make it neater) but I've included the majority of your suggestions. Let me know what you think. Would you recommend I email this to the individual who declined the compensation as well as sending it by post? Cheers Switch2 - Letter of Claim v3.pdf
    • I suggest (change in red) -   The Defendant contends that the particulars of claim are vague and generic in nature which fails to comply with CPR 16.4.  The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 1.  The Defendant is the recorded keeper of [car reg no]. 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 Claimant is claiming an unlawful amount of interest.  The dispute between the parties concerns a disputed, unpaid invoice, issued on 6 January 2025, on which it is written "Payment to be made by 06-Feb-2025".  Yet the Claimant is claiming interest from 4 January 2025.  7. 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.
    • Okay. That sounds a lot better. Hopefully you now realise that the third party rights act only applies if you have used a parcel broker but you are trying to sue the courier company directly. So because you contracted directly with the courier, you are going to sue them directly. By using insurance or prohibited items or non-compensation lists, they are seeking to exclude or limit liability for failure to exercise reasonable skill and care – and of course this is contrary to section 57 of the consumer rights act and in fact the insurance that they pressurise you to purchase amounts to a secondary contract under section 72 of the Act because it is a prohibited secondary contract which is attempting also to limit or exclude liability for failure to exercise reasonable skill and care. The prohibited items list is an unfair term as you have already pointed out. Even more significantly here not only are they saying that it is prohibited – but they are saying this despite the fact that they were very happy to take your money in respect of insurance. These people are stupid and dishonest. But also now they will abuse the County Court system by making you jump through the hoops because it costs them scarcely anything at all to use up the County Court system because it is a publicly funded taxpayer resourced system of justice. They don't use this to obtain justice. They use this simply as a means of debt avoidance to try and frustrate their customers legitimate claims.   Okay I've made a few amendments – and also I've added a further head of damage for unfair trading which could give you a next your little bit of money and also an extra little bit of leverage. Please have a look. See if you are happy with it. If you want to take anything away. If you want to add anything. If there is anything which is incorrect – and post up the final draft here please for a last look.
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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.

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Halifax "offer" how to reply?


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Hi everyone

 

I sent my intial demand for £320 to the Halifax around three weeks ago and got their intitial "we are looking into it" have a leaflet letter back. Then today I recieved a letter making me a settlement offer of £88 as long as I sign a settlement agreement.

 

I have read the FAQ's and they say to accept this but demand the rest as well - has anyone done this and been successful, and is there a template letter I can send? Honestly my financial situation isn't great so I don't want to stuff this up and would rather have £88 than nothing, but at the same time I think they should pay me my money back because they shouldn't have taken it in the first place - if that makes sense.

 

Anyway any help with my follow up letter would be gratefully appreciated,

 

:)

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your reply should read as follows -

"I respectfully refer you to the reply in Arkell v. Pressdram"

you can find what that means here but basically its the accepted legal way of telling someone to eff off -

http://en.wikipedia.org/wiki/Arkell_v._Pressdram

Oooh I like that :D I might give them another chance to pay up first though - I'm just nice like that!

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if the charges add up £320 I'd make them a counter offer of £319.50 (but I'm really cheeky)

 

£88 can not been seen as a reasonable offer, so tell them to get stuffed!

The law maybe reason without passion as Aristotle said, but hey, he said nothing about having fun when getting even!

 

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

 

 

Reputation Points Always Welcome

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Here's the letter I'm sending (thanks again Blindman), fingers crossed!

 

Dear Ruth

 

 

LETTER BEFORE ACTION

 

 

Thank-you for your letter dated 27th March 2006 (Your Ref: xxxxx). However, whilst I appreciate your swift reply your offer to partially refund the amount owed is unsatisfactory.

 

As stated in my previous letter (I have attached a copy of this), I calculate that you have taken £352.00 since I opened my account with you, and I require that the full sum plus interest owed should be refunded forthwith.

 

If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

 

 

Yours Faithfully

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"I respectfully refer you to the reply in Arkell v. Pressdram"

I have sent a couple of emails to Private Eye, inviting them to come and look at the site, and then to put the boot in with the banks.

 

Still no mention from them (new Eye out today) but now that their case has been mentioned, they may have another look to see what the fuss is about...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 2 weeks later...

Update - I declined the £88 offer and today recieved a letter offering £174. I was very tempted to take it as I could do with the money, but I decided to call them to insist on the full amount. The person i spoke to was pretty much a stone wall so now I'm annoyed and there's no way I'm going to accept it. So, can anyone tell me where to go to file my claim? I looked on the FAQ section but I can't seem to find anything.

 

Thank-you :D

 

ETA, found the HMRC site but I live in Scotland, can I still use this?

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You can do it online here:

 

https://www.moneyclaim.gov.uk/csmco2/index.jsp

 

Edit: Oops - I guess you edited your post exact same time as I posted this - not sure about Scotland, sorry :)

25/06/08 - NatWest - Prelim letter

09/03/06 - Halifax - Settled 27/4

22/03/06 - Capital One - Settled 24/6

17/04/06 - Nationwide - Settled 8/9

 

 

Hit the DONATE BUTTON and give 5% back to support this site!

 

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Visit your local sherrif court, and ask the staff for Form 1 and 1b for a small claims. You have to return these (if you need help filling them out they might help you, if not come on here and we will try and help)

 

The fee for up to £750 claim is £39 payable upon submitting the claim.

 

Then sit back and wait....they will server the summons etc and advise you of the court date........then watch the bank squirm.........'

 

I am for from an expert, but i am going to submit my claim next Thursday so if i can help in any way pm me .....

 

Good Luck.........

IF YOU FEEL I HAVE HELPED YOU IN REPLYING TO YOUR POST, CAN YOU CLICK ON THE SCALES AND LET ME KNOW

 

Halifax - Total £2116 - Plus approx £300 in interest plus fees for 3 small claims...settled all within 3 weeks of claim.....Now for the mortgage.....

Clydesdale Bank - Credit Card - Sent Data Protection Act - Awaiting statements

Clydesdale Bank - Current Account - Awaiting statements

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i just received a call from a chap in Customer Relations...see my full thread....

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=1922

 

a third of what i am due....lol......i actually laughed...which made him go kind of quiet......then told him to expect court papers next week

 

Enjoy your holiday.....dont miss us all too much !

IF YOU FEEL I HAVE HELPED YOU IN REPLYING TO YOUR POST, CAN YOU CLICK ON THE SCALES AND LET ME KNOW

 

Halifax - Total £2116 - Plus approx £300 in interest plus fees for 3 small claims...settled all within 3 weeks of claim.....Now for the mortgage.....

Clydesdale Bank - Credit Card - Sent Data Protection Act - Awaiting statements

Clydesdale Bank - Current Account - Awaiting statements

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  • 2 months later...

I finally handed in my papers at the Sheriffs Office (Scottish small claims) and today I got all my money back! No phone call or letter, just opened my online account and there it is :D

 

Thanks to everyone who has helped and this site, have donated to help everyone else. Please keep up the fight :D

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  • 12 years later...

This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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