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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
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    • 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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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
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H.O.L Test case appeal. Judgement Declared. ***See Announcements***


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NEWS RELEASE FROM BOB EGERTON (BOB THE BANKBUSTER)

 

FOR IMMEDIATE RELEASE: 11 January 2008

 

OFT/BANKS TEST CASE TO BE HELD IN SMALL ROOM - OFT SPOKESMAN "DID NOT REALISE" ROOM ONLY BIG ENOUGH FOR 6 MEMBERS OF PUBLIC

 

Next Wednesday 16 January, the OFT and Britain's high street banks are due to meet in a High Court battle which will decide whether or not the banks are operating an unlawful charging regime. The case is of great public interest as it could result in the banks having to repay £20 billion or more to about 10 million customers. It has now been revealed that the case will be heard in a room at the International Dispute Resolution Centre in Fleet Street and that there will be space for precisely 11 members of the press and the public. A spokesperson for the centre said that entry will be on a first come first served basis but that the space will be divided roughly equally between the press and the public; and passes will be issued separately for morning and afternoon sessions. This means that, at most, 6 members of the public will be able to attend and no-one will be able to attend a full day. It will be impossible, therefore, for any one person to obtain a complete picture of the proceedings. It will also mean that many newspaper and television/radio reporters will excluded.

 

A spokesperson for the OFT claimed today that he "did not realise that the room would only hold this number of people".

 

Bob Egerton, bank charges campaigner, said, "This case is a great embarrassment to the OFT. It has exposed the institutional weakness within the OFT where it is effective at curbing unlawful behaviour by small businesses, but it does not have the stomach for a fight against the big corporations like the banks. By holding the case in such a small room, no member of the public will be able to sit through the whole case; and much of Britain's media will be excluded. The OFT is no doubt hoping that the case will receive little press coverage and that it will all quietly fizzle out. However, I and the many other campaigners will ensure that this issue does not die. We will continue to fight the banks over this issue whatever the outcome of a meeting in a tiny room in London."

 

 

Rob Williamson, leader of the case team at the OFT

International Dispute Resolution Centre, who can confirm the details of the room, 020 7936 7000

IDRC - Dispute Resolution, Arbitration, Mediation & Conferencing Facilities

 

 

More news and proposed action to follow!

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In order to bring to the attetion on the media about the unfairness of having limited space for public and press, Penfold has come up with an e-mail which needs to be sent by as many people to the press.

 

Newspaper contact emails:

 

The Times - [email protected]

 

Sky - [email protected]

 

The Sun - [email protected]

 

The Mirror - [email protected]

 

The Telegraph - [email protected]

Not sure that is right, but it is a correct email anyway…

 

The People - [email protected]

 

ITV - [email protected]

 

Something on the BBC website: BBC NEWS | Business | Key test for bank overdraft fees

 

Watchdog - [email protected]

 

That’s a start others can add on this thread…Do we want to do this straight away or wait until the Petition is online???

 

Prabs (Penfold)

 

something like tjhis should be easy enough for everyone to send off...

 

Dear Sir or Madam,

 

I would like you to be aware of something that came to my attention yesterday that gives me great concern. It has come to my attention that even though this Court case was due to be heard at the High Court it is in fact being held at the International Dispute Resolution Centre in Fleet Street and that there will be space for precisely 11 members of the press and the public. A spokesperson for the centre said that entry will be on a first come first served basis but that the space will be divided roughly equally between the press and the public; and passes will be issued separately for morning and afternoon sessions. This means that, at most, 6 members of the public will be able to attend and no-one will be able to attend a full day. It will be impossible, therefore, for any one person to obtain a complete picture of the proceedings. It will also mean that many newspaper and television/radio reporters will excluded.

 

A spokesperson for the OFT claimed today that he "did not realise that the room would only hold this number of people".

 

As a Press Member with National Reach I hope you will investigate this matter further and publish your findings? It is important that we all ensure Justice will prevail. Since no one person or the media will get the full picture, will the public's interest will be upheld? Surely you appreciate that this matter concerns the majority of people in this Country and is a National Issue. There will be others emailing to express their concerns as we are all concerned that this could be construed as almost behind “closed doors” and therefore potentially not in the interest of the General Public.

 

Yours faithfully,

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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I think if the press read sites like Penalty Charges which is Stephen Hone's site they would have been aware of the change in venue on THURSDAY when he posted it on his site. Do you not visit other sites for information?

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I cant believe they actually expect us to believe they did not know where this case was going to be held until the very last minute and also stating that not one person of the public or press will be able to verify the true picture of events from beginning to end due to the size of the room.

 

I believe this a stitch up! The banks have no intention of revealing anything and I for one dont believe the outcome is not going to be for good of the customers who have lost £££'s but for the good of the banks and institutions and alike.

 

What can I say, the ombudsman put out a "stay" on all cases when they could have should been heard and now we are not even going to get the true picture of events!!

 

We as a customer could have and should have had our chances in court and the banks should have been made to reveal their true costs incurred,

that this matter would have been resolved after all not one of the banks intended to argue their case and now they are behind closed doors with limited reporting details of the case.

 

Oh my how they are all rubbing their hands with glee!!!!!

Ladidi

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Im surprised that anyboby is actually surprised.

Money talks at every level.

And with this cartel standing to lose so much, just lift up the edge of your carpet.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Thanks guys, I have just sent all mine off to the above newspaper links. If I think of anymore I will copy them in too. Fingers crossed something will happen in our favour.

28-05-2007--Received Schedule of Charges.

03-06-2007--Prelim sent.

12-06-2007--Reply - Thanks but charges lawful!

19-06-2007--Sent L.B.A. & Schedule of Charges

NOTHING RECEIVED AFTER 14 DAYS

05-07-2007--Phoned Halifax to discuss account. Still standing by charges.

13-07-2007--Filed N1 in Hull Court :wink:

20-07-2007--Halifax deemed served.

25-07-2007--Received offer £280 as Full and Final settlement.

27-07-2007--Sent rejection letter recorded delivery

03-08-2007--Rang Hull Court, nothing received from Halifax

04-08-2007--Sent Pre Judgement letter.

10-08-2007--Defence received from Halifax

13-08-2007--Judgement Request sent

24-08-2007--Claim stayed at Hull Court

31-08-2007--Applied for stay to be lifted

12-10-2007--Hearing for removal of stay on 31/10

31-10-2007--Removal of Stay struck out

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I would have thought that with the money that is involved in this case they could have used Wembley Stadium instead of a little room holding just 11 people at the I.D.R.C.........SELV....;)

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with the money that is involved in this case

 

Thats the very reason that they have wangled this.

They REALLY dont want to go public.

 

Its an absolute disgrace, but not one that surprises me.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Emails have gone to everyone of those bar the Sun.

 

Thanks for the template and all of the addresses, hopefully it'll make a few people think about looking into it.

 

Cheers,

 

KA

Prelim letter received by Barclays: 26/03/07

**************no reply***************

 

LBA received by Barclays: 10/04/07

**************no reply***************

 

N1 filed at court: 25/04/07

N1 received by Barclays: 04/05/07

Offer of £1,885.00: 04/05/07 (turned down)

Offer rejection received by B'clays: 08/05/07

Barclays Acknowledge Claim: 11/05/07

Barclays Defence Filed: 18/05/07

 

Directions Hearing Date Set: 06/08/07

Case Stayed Until Feb '08

 

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missed most of it but apparently Martin Lewis was doing a good job of bringing this to everyones attention ( well those who listen to radio two) by quite rightly having a good rant and rave about this :)

 

jan

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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The Office of Fair Trading: OFT test case delayed

 

OH, What a surprise !!!!!!!!!!!!!

They have spent an estimated £1million each in preperation for this case.

Nothing like forward planning then.....

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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The trial Judge for the test case cannot be expected to force a jury into returning a verdict JUST because there is an OFT test case, that he has been given to handle, can he?

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Jury ?

 

This will all be concluded by men with a funny handshake.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Hi Does anyone have any idea how the case is going?

NatWest : £857.00 won! March/07

Natwest : Witholding my statements & adding defaults etc , S.A.R sent Jan/08

Natwest for my partner : £2,101.00 won! Feb/07

Studio Cards : Refund for admin charges £108 Won! Dec/07

Complaint made to FOS for P.P.I Jan/08

Nationwide: S.A.R - (Subject Access Request) sent for statements Nov/07 ( waiting to see what happens in the OFT test case )

Littlewoods : defaulted on CCA request Feb/07

DCA's that crawled out from the woodwork and have crawled back : 28 so far!!

My favourite link on CAG:

Click here: Can't Find What You're Looking For? Here's A Complete A-z Index - The Consumer Forums

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OFT test case delayed

 

7/08 15 January 2008

The OFT's test case on unauthorised bank default charges has been delayed.

 

The case was due to begin tomorrow at the International Dispute Resolution Centre, but has now been postponed due to the Judge's prior commitments running over. It is hoped that the case will start before the end of the week.

(hmmmmmmm I just found that press release);)

NatWest : £857.00 won! March/07

Natwest : Witholding my statements & adding defaults etc , S.A.R sent Jan/08

Natwest for my partner : £2,101.00 won! Feb/07

Studio Cards : Refund for admin charges £108 Won! Dec/07

Complaint made to FOS for P.P.I Jan/08

Nationwide: S.A.R - (Subject Access Request) sent for statements Nov/07 ( waiting to see what happens in the OFT test case )

Littlewoods : defaulted on CCA request Feb/07

DCA's that crawled out from the woodwork and have crawled back : 28 so far!!

My favourite link on CAG:

Click here: Can't Find What You're Looking For? Here's A Complete A-z Index - The Consumer Forums

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the case is starting today at 10.30.

=======================================================================================================

[sIGPIC][/sIGPIC]

 

 

 

Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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