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    • New thread started as you & LFI suggested.  It's best to have one ticket per thread, if not people get confused about which ticket they're giving advice for. Firstly, you have every right to be absolutely fuming at MFG.  You go twice and spend money - and what do you get?  A demand for £100!  Do the people who caused this mess resolve it?  No, they lie and mess you about.  No wonder you're so angry. However ... we're worried you’re leaving yourself open to accusations of theft (even though you made it clear the goods would be returned) and criminal damage.  If you take the initiative and approach the garage politely, (a) that covers yourself at least a bit regarding any possible criminal accusations, and (b) if the manager has a brain you two can easily sort everything out. I say if the manager has a brain.  They might try and play the hard case and stupidly put the blame on you.  Who knows. Anyway, how about sending this 1st class post on Monday?   Dear Manager, I am the person who temporarily took some non-perishable goods from the BP shop on Wednesday and left a letter. I have since calmed down and am writing this letter in a friendly, amicable way between adults without abuse or at all costs apportioning blame. What happened is that some time back I visited your premises at 3.15am to buy fuel.  I then revisited at 8.30pm the same day to use the shop. Afterwards I received an invoice from Euro Car Parks for £100 (discounted to £60 if paid within 14 days). What happened is that the ANPR cameras joined the two visits together and ECP issued the invoice for me staying an absurd 17 hours.  I mean you provide a good service but who would stay 17 hours! If you Google "double dipping" you will see that this is a continual problem in the private parking industry and the industry’s own Code of Practice highlights how steps should be taken to avoid issuing invoices in these cases. When I brought this to MFG's customer services' attention you refused to have the invoice cancelled.  I also visited you and again you were unhelpful. Please "take a step backwards" and put yourself in my position.  Say you visited a supermarket on a Saturday evening.  You also visited on a Sunday evening. Later you got a demand for £100 from a private parking company.  You politely asked the supermarket to intervene but they refused.  I think you would consider the matter unfair and you would be extremely angry with the appalling customer service. Anyone who has even a rough knowledge of the law knows that ECP are your agents, you called them in.  You are the organ grinder.  They are the monkey.  You can easily tell them to cancel this invoice. So i am writing to request an appointment with you in order firstly to return the goods which are yours and of course which I should never have taken.  I would like us to be able to speak in a friendly, adult manner. However, secondly I am not prepared to take all the blame for this matter.  I also request confirmation from you that you have had this unfair invoice cancelled. Yours,
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    • well post it to youtube or facebook. so we can look at it.  
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      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.  

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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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willy v abbey


Wilarm1711

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I sent my Data Protection Act & £10 to Abbey on The 01st October 2006 by first class post, they stated they never received it until 23rd Octobber, where they sent me a letter stating they were investigating my complaint and will respond by November 19th. They have not deducted the £10 as to date.

 

I have received nothing from them since i never sent a letter to complain as all i wanted was my full statements, as i do not have any statements except my most resent one, what should my next step be, please advise.

 

Should i try and estimate the charges as they say i owe them £2285.95, when my limit was only £1300, therefor their is an overwhelming amount of charges that go back well over 6 years should i send the prelim letter.

 

please help, checked most of the other forums, but at least they seem to have some statements,havent even had the microfich letter yet.

 

willy

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I sent my Data Protection Act & £10 to Abbey on The 01st October 2006 by first class post, they stated they never received it until 23rd Octobber, where they sent me a letter stating they were investigating my complaint and will respond by November 19th. They have not deducted the £10 as to date.

You still need to go by the 40 day time limit even if they haven't debited the fee. Also don't think there's much you can do about the receipt date of 23rd unless you can prove they did receive it before that date. make sure everything you send is recorded delivery, wait a few days, print off the proof from the Royal Mail website.

I have received nothing from them since i never sent a letter to complain as all i wanted was my full statements, as i do not have any statements except my most resent one, what should my next step be, please advise.

Unless you can prove they got your S.A.R letter earlier, then you can only go by the date given (23rd) which by my reckoning means the 40days are up on 1st Dec. If you still haven't received anything then I'd complain to the Information Commissioner, send Abbey a 7day letter and if still nothing,take them to court.

Should i try and estimate the charges as they say i owe them £2285.95, when my limit was only £1300, therefor their is an overwhelming amount of charges that go back well over 6 years should i send the prelim letter.

its up to you. if you can work out the average charges per month then you can go down this route and if Abbey disputes this then they'll just have to provide you the statements however, at this stage (if a claim has already been lodged) you may have to amend this and there is a charge for this which is non-refundable

please help, checked most of the other forums, but at least they seem to have some statements,havent even had the microfich letter yet.

 

willy

Hope i've helped.

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  • 2 weeks later...

Recieved letter from abbey dated the 16th November offering a gesture of goodwill payment for £720, though they say i owe them £2235, bringing it down to £1515 where i will still be recieving overlimit charges, now £12. They say i have 8 weeks to respond before matter shut and final from date of letter 16th november.

 

I have also received all statements from 31/may2002 - 02/may/2006, in total charges £1309, when you add on th 8% interest comes to £1490.70.

 

As i live in scotland and the most i can claim from any one period is £750, should i accept this token payment as goodwill, but not for full settlement of the charges and pursue for the rest of the amount separetly. I have not sent prelim letter of lba yet.

 

Did you know they abbey have changed their policies regarding charges from £25 to £12 overlimit fee as they had no choice to agree with Office of fair trading regarding charges commencing on 28th june.

 

Heres another question as ive made several payments in month before charges spiraled out of control, think they make up their own payment date as their is never a payment for arrival of payments on seperate statement, just thought id mention this

 

Below is the charge and interest charges, please advise

 

CLAIM DATE:22-Nov-2006INTEREST RATE:8.00%TOTAL CLAIM AT DATE OF SERVICE:1,490.70JUDICIAL INTEREST RATE:8.00%DATE OF JUDGEMENT OR PAYMENT:22-Nov-2006TOTAL DUE:1,490.70DAILY INTEREST RATE IN PENCE:32.67TOTAL AMOUNTS1,309.00181.70Charge ReasonCharge AmountCharge DateInterestLate Charge20.0022-Jul-20035.34Over limit fee balance £1304.1120.0022-Jul-20035.34Over limit fee £1301.2520.007-Oct-20035.01Over limit fee balance £1335.6925.006-Nov-20036.09Late Charge25.0022-Nov-20036.01Over Limit fee balance £1439.0725.008-Dec-20035.92Late Charge25.0022-Dec-20035.84Over Limit Fee Balance ££1359.4225.006-Feb-20045.59Non sufficient funds fee charge25.009-Feb-20045.57Late fee Charge25.0021-Feb-20045.51Overlimit Fee balance £1532.7825.008-Mar-20045.42Overlimit Fee Charge £1595.3425.006-Apr-20045.26Late Charge25.0022-Apr-20045.17Overlimit Fee balance £1685.8825.007-May-20045.09Late fee Charge25.0025-May-20044.99Overlimit fee charge25.0023-Jun-20044.83Late fee Charge25.0023-Jun-20044.83Overlimit Fee balance £1859.9925.0024-Jul-20044.66Late fee Charge25.0024-Aug-20044.49Overlimit Fee balance £1729.5825.0024-Aug-20044.49Overlimit Fee balance £1826.0425.0023-Sep-20044.33Non sufficient funds fee charge25.0023-Nov-20043.99Late fee Charge25.0023-Nov-20043.99Overlimit fee charge £1784.3825.0024-Jan-20053.65overlimit fee charge on balance £1759.7325.0021-Feb-20053.50Overlim fee charge on balance £1727.5625.0024-Mar-20053.33Overlim fee charge on balance £1697.9325.0023-Apr-20053.17Non sufficient funds fee charge25.0024-May-20053.00Late fee Charge25.0024-May-20053.00Overlimit fee charge £1666.4525.0024-May-20053.00Overlimit fee charge £1786.4425.0023-Jun-20052.83Overlimit fee charge £1757.2525.0023-Jul-20052.67Overlimit fee charge £1727.3025.0024-Aug-20052.49Non sufficient funds fee charge25.0025-Aug-20052.49Non sufficient funds fee charge25.0023-Sep-20052.33Late fee Charge25.0023-Sep-20052.33Overlim fee charge on balance £1823.7525.0023-Sep-20052.33Late fee Charge25.0024-Oct-20052.16Overlim fee charge on balance £1886.3025.0024-Oct-20052.16Late fee Charge25.0023-Nov-20051.99Overlim fee charge on balance £1898.5425.0023-Nov-20051.99Late fee Charge25.0022-Dec-20051.84Overlim fee charge on balance £1998.8325.0022-Dec-20051.84Late fee Charge25.0024-Jan-20061.65Overlim fee charge on balance £2099.9225.0024-Jan-20061.65Late fee Charge25.0021-Feb-20061.50Overlim fee charge on balance £1997.0225.0021-Feb-20061.50Late fee Charge25.0024-Mar-20061.33Overlim fee charge on balance £2096.8025.0024-Mar-20061.33Late fee Charge25.0019-Jun-20060.85overlimit fee charge on balance £2182.6125.0023-Jun-20060.83Overlimit fee charge on balance £2289.9525.0024-Jul-20060.66Late fee Charge12.0018-Aug-20060.25overlimit fee charge on balance £2371.1912.0023-Aug-20060.24

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  • 1 month later...

sent follwoing letter this morning

Abbey National PLC

Abbey National House

2 Triton Square

Regent’s Place

London

NW1 3AN

04/Jan/2007

 

Dear Mrs Claridge

Thank you for your letter of 16th November 2006, where you offered me a goodwill gesture of £720, having checked over the statements received on 16th November, I have also attached your letter to confirm this in which you gave me 8 weeks to respond, this date would have been 11th January. This letter has been sent by first class recorded delivery, and therefore should have reached you by 05/01/2007

 

Whilst I appreciate your offer of £720.00, which I can see from current statements has been credited to the above account in settlement of this action, regretfully I cannot accept this offer as it stands as full settlement, I have however only accepted this as a partial payment and will pursue for the full settlement of charges on my account as confirmed at the bottom of this letter and on the attached spreadsheet, where you have levied from my account over the last 4 years since 31/may/2002 – 02/nov/2006. I have also maintained payments during this dispute bringing my account under the £1300.00 agreed credit limit to £1247.67.

You should be aware that in this instance, action would still continue on the disputed balance of £1.503.03 , as you have refunded me £720, this now leaves in dispute £783.03 in charges & interest I have included a copy of the charges & the breakdown of this attached.

Immediate full & final settlement of this action can be achieved in either of the following ways:

A cheque for remaining charges + interest of £783.03 being issued directly to me or being credited to my account.

 

If the above actions haven’t taken place by Friday 19th November 2007, I shall begin a County Court claim against Abbey National for the full amount plus my costs, without further notice.

 

 

your faithfully

Wait on response

 

 

 

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