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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • 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.   
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    • If you are buying a used car – you need to read this survival guide.
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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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Martin vs CREATION ***WON***


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SAR sent out last week for 2 accounts i have with them, ive paid a fortune in £20 charges with these, time to get my own back! quick question do i add the 8% interest on when im asking for charges back? or do i only add this if it gets to the court stage?

Edited by marts_uk
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The 8% is statutory interest so you can only claim this as part of your court claim. However you may wish to claim contractual interest (the rate of the interest on the card) which you can add when approaching them for the charges back.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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  • 1 month later...

well i sent the SAR to creation on the 1st of December and still no sign of my statements, it has been more than 40 days now. I have just spoken to their customer service and they are saying they havnt received any letter from me, what should i do now?? is there a follow up letter for this?? cheers

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Hi, marts.

 

You'll find one in here...........

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I'm hoping that aftre you have spent this money that you sent it recorded delivery. If you didn't they will swear black is white that they never got it.

If you did send it recorded, track when it was delivered. Alternatively check with the post office as to when the postal orders were cashed.

 

fox

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hi i rang the post office and they said that they cant check if the postal order has been cashed, they said i would have to go to the building in cheshire in person to do this? They said i can fill out a p58 form if i think that the postal order has not yet been cashed?

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ive just spoken to creation again and they have taken the reference number from my postal order receipt and gave it to the missing payment department, has anybody had the same thing done to them before?

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arrrggghhhh!! Right the £10 postal order i sent in with my SAR letter has been credited to my account, they really are taking the **** now. So they are either extremely thick or trying to do their best not to send me my statements. Just spoken to a guy from creation now and he actualy seemed a decent person for once, he new what the score was and is trying his best to solve the matter, but he said that they cant find the letter that was in the same envelope as the postal order! Now im having to wait until they have solved the mixup

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Hi,

 

Did you send your SAR recorded post or anything.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Sound, I'd give them the ten days and see if they come back to you.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Ive just been on the phone to creation again to see what the score is with my statements. By now they should have received the DPA reminder i sent last week. Dont forget my original letter was sent out on the 1st of december so ive already gave them enough time to send me them. The guy on the phone said somebody is gonig to phone me other the next couple of days to sort it out but this is what they have said to me twice before in the last 14 days or so, so im not expecting a phone call this time, i dont know what to do now, should i give them another week? If so and still no statements what is the next step for me? Do i claim for estimated amount?

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I would keep them as seperate accounts for your preliminary letter but just send the one letter with both of them on it with the individual amounts claimed for each account and then state a total amount claimed (by adding the two together). Include the spreadsheets for each account.

 

If you have to file at court you can combine them so that you just have one claim to file as they are both creation accounts.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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I received a reply to my preliminary letter this morning. It simply says that they are investigating the matter fully and will contact me with their findings within the next 20 working days.

 

Is this the standard reply from creation? cheers

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Hi,

 

It's the standard reply from them all, stick to your timetable.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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As Scott says, stick to your timetable - not theirs. If you don't they'll just continually mess you about and probably never get anything back.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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  • 2 weeks later...
  • 2 weeks later...

I sent my LBA on the 17th recorded delivery and the only reply i have had so far is a letter saying that i have informed them that i am having difficulty in making payments on my account and that a financial statement has been sent to me for me to complete. Why have they completely ignored the letter? Don't they read them properly!!

 

I HATE creation, has anybody WON their money back yet from creation as i am finding them very hard to deal with. I have decided to give them until the 6th march to respond properly to my LBA, then i start the court process

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Hi to my surprise i had an offer this morning from creation! They have offered the difference between the charge and £12 plus interest, this totals £1099.85 but my original claim for both accounts was £1647 plus £336 in interest. They said they have credited the money onto my accounts, this now means that one account has been cleared and the other has around £200 left.

 

Should i reject this offer and claim the full amount??? cheers

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Hi,

 

Tell them you'll take that as 'part payment' and continue to claim for the remainder, here's the letters...........

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers-j.html

 

If they are offering you that, you will get the lot.

 

 

Regards.

 

Scott

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 2 weeks later...

Received a final letter this morning saying they will refund all charges, so thats my debt with them cleared and a few extra quid in my pocket :D. Cheers for the help guys1! now onto my next claim :)

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Wow that was easy. Good for you :D

 

 

fox

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If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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