Jump to content
We are now - The National Consumer Service ×


  • Tweets

    No tweets were found.

  • Posts

    • 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.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 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
        • Thanks
        • Like

Recommended Posts

Hi Guys,

 

I have been trading forex market for year now but have had big losses. Then During april i started getting call from a rep from Onetwotrade.com and he said how they can get back my losses with Binary Options trading. Initially i hesitated bu kept getting from call from Onetwotrade rep. Rep suggested putting £2000 deposit to start doing this effectively.

 

I put in £1000 in May. Rep wanted me came put £1000 more, i didnt. Because I became suspicious when i came across their terms of serice. After reading their terms of service for withdrawls made me really worry. They never mentioned any of that when i put in my money,

 

In fact i was told by sales guy that you put £2000 and we gve you insurance if you loose that much in 1st month they will credit that money back. but that credit has its own issues for ex you can't just withdrawl that credit.

 

Below is transcript of their terms of service withdrawl without bonus.

 

"Withdrawal Conditions and Fees - Accounts with no Bonus

 

In order to qualify for a withdrawal with an account at OneTwoTrade that has not been awarded any bonus, the funds deposited must be turned over once. By way of example, if Client deposits £1000, client must achieve a turnover of £1000.00 or more in order to be eligible to withdraw any funds. Turnover is defined as the sum of the value of all bets made excluding the value of any bets that have been cancelled either by the Client or by OneTwoTrade.

 

Furthermore, subsequent deposits must be turned-over before any funds from the account can be released, regardless of previously achieved turnover. By way of example, if a Client initially deposited £1000 and achieved a turnover of £10,000, and then deposited a further £1000, Client must achieve a total turnover of at least £11,000 before any funds can be withdrawn.

 

If turnover requirements are met, client may withdraw funds from the OneTwoTrade platform.

 

The Client will be charged a 1% processing fee of the withdrawal amount, or £/€/$50, whichever is bigger.

 

Furthermore, any withdrawal that must be completed by international wire transfer will be charged a £22 transfer fee. OneTwoTrade’s withdrawals are processed in the United Kingdom and Malta.

 

If the client wishes to withdraw funds from the account where the turnover requirement has not been met, for either initial or subsequent deposits, client may do so, however they will be charged a 20% Anti-Money Laundering fee of the withdrawal amount, in addition to any transfer fees.

 

If, at any point, client elects to take a bonus on a deposit, the withdrawals terms and conditions in section 14 will apply. "

 

So what i have to pay them £50 plus 20% for withdrawing my money, that is criminal. none of this was mentioned by sales gut when he started calling me to deposit money. Their bonus scheme is even more dubious bcz i think if u agree to their agreement you become trapped.

 

I hope to recieve reply and how i should now approach Onetwotrade to withdrawl all my £1000. Any suggestion appreciated

 

So upon my request for withdrawal they have emailed me back the only way they can process my withddrawal is if i put the money i deposit to work by waging it for full amount or 20% will be taken off my money.

 

This is unbeliveble and cannot be legal. Any suggestion what should i do now. If i wage that £1000 i risk loosing it, i dont want to do that anyway bcz i lost trust on them.

 

Also rep was calling me regulalrly and now whenever i call his mobile number there is no reply. And i have tried Onetwotrade office number many times almost daily and there's no reply. I did visit their office based in aldgate, london afer depositing £1000 and spoke to my rep. He kept insisting me to deposit another £1000 and how he will look after me.

Link to post
Share on other sites

Thanks for the reply.

 

Yes i researched this but found that it is NOT FSA regulated but LGA which stands for lottery and Gaming Authority which is based in Malta. In fact company address is also in Malta.

After emailing them twice I got the following reply;

 

Dear NAME

 

We received the withdrawal request you made on 4/6/2013 for £1000 Unfortunately, we are not able to process this request.

 

Why we couldn't process your withdrawal

Clients cannot withdraw funds unless the deposited funds have been wagered at least once.

 

If you require to withdraw funds where the above requirements have not been met we can waive these requirements by adding a 20% fee for anti money laundering purposes.

 

I hope that this email has been useful. I apologise for the inconvenience caused by being unable to process the withdrawal.

Kind regards,

 

 

 

Kerry Holmes

Office Manager

Link to post
Share on other sites

Thanks for the reply.

 

Yes i researched this but found that it is NOT FSA regulated but LGA which stands for lottery and Gaming Authority which is based in Malta. In fact company address is also in Malta.

After emailing them twice I got the following reply;

 

Dear NAME

 

We received the withdrawal request you made on 4/6/2013 for £1000 Unfortunately, we are not able to process this request.

 

Why we couldn't process your withdrawal

Clients cannot withdraw funds unless the deposited funds have been wagered at least once.

 

If you require to withdraw funds where the above requirements have not been met we can waive these requirements by adding a 20% fee for anti money laundering purposes.

 

I hope that this email has been useful. I apologise for the inconvenience caused by being unable to process the withdrawal.

Kind regards,

 

 

 

Kerry Holmes

Office Manager

 

Thank you for this. I've flagged your thread for site team attention in case anyone can help.

 

HB

Illegitimi non carborundum

 

 

 

Link to post
Share on other sites

There are a lot of complaints of all of these Gibraltar and Maltese cons, type it into the search at the top and also into Google.

 

Malta is a member of the EU, so you can use EU rules and regulations to take them to court should that need arise.

Link to post
Share on other sites

If you require to withdraw funds where the above requirements have not been met we can waive these requirements by adding a 20% fee for anti money laundering purposes.

 

 

Right. So their answer to money laundering is to take a cut of that money, thereby profiting off it and committing a criminal offence. :???:

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

how did you pay them?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

I paid them via wire transfer amount of £1000.

 

I will be visiting their office at Aldgate, london this afternoon. How should i approach this, what to expect, should i be threatening, demanding, etc.

 

Look forward to how i should do this.

I wanna tell them i no longer have faith and trust with onetwotrade and have my money back pls the full amount. I have also seen if you dont trade at least once a month they may charge you something like £5. How ridiculous.

Link to post
Share on other sites

Any update after the trip to the Aldgate office.

 

This looks highly suspicious to my sceptical mind.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Actually i didn't go, hope to attend tomorrow. still no email or phone replies from them. there is no way they can lawfully withold my money.

 

i may have to take some sort of legal action but dont how to go about doing it. never had to do it before, never had this situation. Assistance in this process much appreciated.

Link to post
Share on other sites

there is no way they can lawfully withold my money.

 

No, but they may just withhold it unlawfully ! :sad:

 

I hope I'm wrong but legal action sounds like good money thrown after bad. The folk behind such schemes will have moved on before you can catch up with them, trading (that's far too kind a word for their ways) under a new guise.

 

See what tomorrow brings but I'll be surprised if you find anyone in Aldgate to talk to.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Yes attended their office today.

 

Met with another agent. they are making out now that the original rep looking after me/dealing with me does not work here now. The rep and i sat in room. This rep went out the room to what he say call the main boss and came back to tell me they can't give me money back unless i wage that money fully. That was his decision and i was expecting him to say right we will give your money but dropped this bombshell.. i Contested that and demanded my money withdrawal. but he said they will get fined and giving me BS about Lottery gaming authority and money laundering. How their term of service stipulates once you put money you need to wage it at least once. Plus how they can't withdrawal my money until i do this otherwise they face fine or charges.

 

I tell him in his face that you are bad company and will be exposed for doing this with your client. I say i put my withdrawal request after few days i deposited my money and i explain him my reason that i could not continue. He said send him email off that, i will do this. He tried to encourage me to wage the deposit on trades and how he will assist me but i said i am not interested and only in my full money.

 

I told him i do not have any faith or trust in onetwotrade and cannot wage my money risking the lot.

Link to post
Share on other sites

Hi Supacool,

 

Well, I'm amazed anyone was actually there but it sounds like you failed to get the result you wanted.

 

Did you record the conversation as suggested.

 

Have you had any response after your complaint to Action Fraud.

 

I would make a formal complaint to Trading Standards.

 

When you send them the email you agreed to re-send, I would add that you require your money to be returned in full as per your request of xxdate within 7 days, failing which you'll make a full complaint to the police without further warning.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Yes i did not get any hints for money withrawal. As adviced phone was recording.

 

i have had no response from action fraud except email of confirmation and link to update new info

 

I attended CAB they gave me list of names lke trading standard, will make contact next week.

 

I have send the rep email of my withdrawal request as he desired. I will send them anther email as you suggested this week, A warning email but before I want to approach trading std and speak to a legal rep. Legally they cannot withold my deposit and cannot force me to wage that deposit risk loosing it all.

 

They are totally out of order, i even made threats to their reputation when i met the rep and warned him off reporting them but the rep still argued they cannot give my money as stipulated y their terms of service.

 

I even argued i only made deposit withdrawal request few days after depositing money and reasons bcz i could no longer risk my money and that i needed to withdrawal bcz my kitchen appliances were out of order and needed change (in fact i bought two new kitchen appliances) b

Link to post
Share on other sites

Hi Supacool,

 

Well, I'm amazed anyone was actually there but it sounds like you failed to get the result you wanted.

 

Did you record the conversation as suggested.

 

Have you had any response after your complaint to Action Fraud.

 

I would make a formal complaint to Trading Standards.

 

When you send them the email you agreed to re-send, I would add that you require your money to be returned in full as per your request of xxdate within 7 days, failing which you'll make a full complaint to the police without further warning.

 

I have only got I acknowledgement of my complain from Action Fraud where i can add more details. I contacted Trading Sandards, not much advice there and not much they can do about it, just had a lengthy conversation with a caller without any outcome. They did recommended getting in touch with LGA or Maltese auhority.

 

I will send them email next week with warning as you stated, I would really appreciate if there is a template you know of i can use.

 

I will be making contact with LGA in malta as well and may even call Maltese authority. And I have made appointment with solicitor next week for 30 mins free advice.

 

I am also looking at Small claims county court.

Edited by Supacool
Link to post
Share on other sites

Hi SC,

 

No such template letter exists, to my knowledge.

 

Draft one yourself and post it here for comments. Keep it short and simple and don't try using "legalese" or complicated language.

 

:wink:

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

  • 3 weeks later...

Hello,

 

I am writing to you in regards to the £1000.00 pounds that I have in my account in your trading platform that I have asked for back. Having requested you for my balance on my account to be paid back to my bank account, I was left disappointed by your actions. I am therefore giving you seven days 19 July 2013 to have your organisation take the corrective step of granting my money. I hope you can act on this promptly.

 

I look forward o you reply.

 

 

How about this, I am hoping to email them something on monday to get the ball rolling and at same time researching small claims court.

Link to post
Share on other sites

Dear sir or madam,

 

I write regarding the £1,000.00 that I have in my account with your trading platform.

 

I now require this amount to be repaid to me in full immediately.

 

I have made earlier requests about this but you have still failed to return my money, giving me a range of reasons/excuses. Even when I called at your offices, my request was turned down.

 

You have 7 days from receiving this letter to return my money, failing which I will involve the police, Trading Standards and the court system without further warning.

 

Yours faithfully,

 

Supacool

 

Use Royal Mail Signed For delivery so you'll know when the letter was received.

 

Have you spoke to Trading Standards local to the offices you visited.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

I forgot to add warning of court action if they fail to reply with the time specified.

 

Should i allow 14 days instead, what do you think of this and letter generally. I intend to send letter on monday.

Link to post
Share on other sites

My suggested letter gives them 7 days before you take further action.

 

If you DO intend to take court action, keep it in the letter. If you DON'T think you'll do it, don't threaten to.

 

Make a formal written complaint to the Trading Standards office where their offices are based.

 

Chase up the case with Fraud Action and ask what is being done to help you.

 

Forget using the FOS. If this company works the way it does, it'll pay no attention to the FOS.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...