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    • 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.   
    • 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. 
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    • If you are buying a used car – you need to read this survival guide.
      • 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
      • 161 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
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citi A word of encouragement for citi claimants


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:) I will sort it now.

 

Thanks for letting me know.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I'm currently in the fight with CitiCards, I see from many other threads they have already started to quote their win, in this case.

 

I agree we need to be a bit more carefull in what we post here with you know who watching.

 

Can someone PM me with if there is any news that maybe useful to my case with them.

 

http://www.consumeractiongroup.co.uk/forum/other-institutions/26041-rbphot-citicards.html?highlight=rbphot

 

Thanks

My Cases

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/14777-rbphot-lloyds-tsb.html?highlight=rbphot

 

My useful posts

 

http://www.consumeractiongroup.co.uk/forum/general/26095-bank-credit-charges-eec.html?highlight=rbphot

 

;) The Masses Will Always Prevail

 

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Lloyds TSB, (£2.5k) Data Protection Act-150606, Prelim letter-050706, 2nd LBA-140706, Money Claim submitted 010806(6QZ51069), Claim Agknowledged 040806:D , AQ submited today-070906

Lloyds TSB Amex, (£60) Data Protection Act-150606, 1st LBA-110706, 2nd LBA - 040806, SETTLED 50% of amount.:D

Citi Cards, (£995) Data Protection Act-110706, Prelim letter-210806, LBA - 040906

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  • 2 weeks later...

Hey peeps, any news that you can tell me without giving anything away to these "watchers" . I sent my LBA as suggested and am awaiting a response. Is there anything I should do or know before filing my MCOL?? Can someone PM me if you cannot disclose details to the prying evil eyes of the men in black. These banks are certainly puting up a fight now.

BRING IT ON I SAY!00020059.gif

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You are at an early stage yet......anything you do need will already be here.

Its a little later that perhaps you will need the pms

by which time the info here will be out of date if Citi carry on changing their tacs......:rolleyes:

 

We will of course keep changing ours too.......But at the end of the day they are penalty charges and they are unlawful......its up to Citi to change those !!

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Martin you are so mean!!!!! This is like letting me have a christmas pressie to shake and then taking it away and making me wait til christmas!!

 

It's just not in my nature to be kept in the dark. I am not nosey - just interested (wink, wink). Oh well, suppose I will have to go twitch the curtains then and see what the neighbours are upto until I am far along enough with my claim to hear the secrets!!

 

0002006E.gif

 

ok, on a serious note, I totally understand the need to keep your info underwraps and away from the enemy. I bet Citi Love you! Keep up the good work! ;)

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Martin you are so mean!!!!! This is like letting me have a christmas pressie to shake and then taking it away and making me wait til christmas!!

 

It's just not in my nature to be kept in the dark. I am not nosey - just interested (wink, wink). Oh well, suppose I will have to go twitch the curtains then and see what the neighbours are upto until I am far along enough with my claim to hear the secrets!!

 

0002006E.gif

 

ok, on a serious note, I totally understand the need to keep your info underwraps and away from the enemy. I bet Citi Love you! Keep up the good work! ;)

 

 

You are very very nosey........how can I be sure you are not one of Brians informants :o ......the 007 also relates to spy ??????????:rolleyes:

 

In due course Mr Bond ..........in due course........:grin:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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0002005F.gif oooh, how spooky! I nearly wrote that I wasn't a spy for the other side but decided to delete it as I thought it might make people wonder! Anyway, gotta go, I have a nice martini waiting for me - it's been shaken not stirred!
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:lol: :lol: :lol:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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sorry to barge in but can anyone help me out with my thread below?

i want to get a letter out today but and stumped what to do??

thanks

http://www.consumeractiongroup.co.uk/forum/other-institutions/37327-citi-court-help-urgent.html

Halifax

Settled in Full

Cap One

Settled in Full

Citi Card

Settled in Full

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Just to let everyone know-stage 2 now begins in earnest.There is no point in concealing this from them on here,because they will know in a couple of days anyway when they get the documentation.I have taken advice from a number of quarters,and we are now ready to proceed. I look forward to getting this sorted once and for all!!

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Wahey!!!!!

 

Best of luck....by the way have you noticed the huge increase in Citi claims recently? Seems your case had the opposite desired effect for Citi!

 

Either that or they're all Brian Smith desperate to get some advice lol

 

Zoot

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Just to let everyone know-stage 2 now begins in earnest.There is no point in concealing this from them on here,because they will know in a couple of days anyway when they get the documentation.I have taken advice from a number of quarters,and we are now ready to proceed. I look forward to getting this sorted once and for all!!

 

Good Luck - glad Citi's little game is about to be squashed.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Excellent news - been looking forward to seeing the next eagerly anticipated stage rolling into action!!!

Abbey - Claim 1

full hearing 22 Feb 07 - Settled in full £710 :D

Abbey (Claim 2)

full hearing 22 Feb 07- Settled in full £4000 :D

Abbey (Claim 3)

Court date 27 June -

Capital One (claim 1)

£467 Settled in full 20 Sep :D

Capital One (claim 2)

£72 refunded 19 Aug :-D

Associates (Citicards)

claim 8 Aug/judgment by default 30 Aug/set aside hearing 9 Oct/Stay denied, ordered by Judge to reveal breakdown of charges andfull hearing 24 May/FULL DISCLOSURE ORDERED BY 8 MARCH/JUDGE TO STRIKE OUT DEFENCE AS NON-COMPLIANCE/DEFENCE STRUCK OUT PAYMENT IN FULL REQUIRED IN 14 DAYS

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Yes best of luck to you - dont think its you that needs the luck though! I've sent my prelim off 4 compounded interest, the first of my claims, and will be sending off my mums S.A.R - (Subject Access Request) soon - hers got passed to a DCA after they more than doubled her debt with charges - she paid it all so will be getting a nice windfall back in 2-3 months. was going to leave it and a loan I had with them for a while as have a few kettles on the boil but their cockiness has changed my mind.

 

Look forward to hearing of your victory!

Nikkiandmidgets Vs BOS (3) - S.A.R sent 11/09/06

 

Nikkiandmidgets Vs Capital One (2) - S.A.R sent 11/09/06, Prelims sent 20/10/06, LBA's sent 16/11/06

 

Nikkiandmidgets Vs Citi credit card - S.A.R sent 11/09/06, Prelim sent 9/10/06, LBA sent 28/10/06

 

Nikkiandmidgets Vs Halifax - S.A.R sent 11/09/06

 

Nikkiandmidgets Vs Egg (4) - S.A.R. sent 20/10/06

 

Nikkiandmidget Vs Littlewoods (3) - S.A.R sent 20/10/06

 

Nikkiandmidgets Vs Blackhorse - Prelim sent 20/10/06 requesting £125 charges to be refunded. LBA sent 16/11/06.

 

Nikkiandmidgets Vs Welcome Finance (Macadam Finance) - S.A.R and C.C.A request sent 20/10/06

 

My Mum Vs Halifax - S.A.R sent 11/09/06

My Mum Vs Capital One - S.A.R sent 20/10/06

My Mum Vs Citi - S.A.R sent 20/10/06

My Mum Vs SLC - S.A.R and C.C.A sent 09/10/06

 

Husband Vs BOS (3) - S.A.R sent 20/10/06

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thanks to Empire Strikes Back,I have been alerted to the fact that Citi are sending our personal,court and financial information to other people in an attempt to back up their attempts to deter further litigation.I have concrete proof of this,as ESB has provided this for me.They sent my details to him along with the letter referring to our juduicially mishandled claim.They grovelled to the court for confidentiality as to their charges,and send ours all over the place.The judge concerned has been alerted to this in writing

 

And as Citi are reading,I have alerted as many statutory bodies as possible,as well as Mohammad Sawar MP in order to get them in as much hot water as humanly possible.

 

This leaves us open to ID theft,and I hope Citi get a real good roasting for it!!!

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thanks to Empire Strikes Back,I have been alerted to the fact that Citi are sending our personal,court and financial information to other people in an attempt to back up their attempts to deter further litigation.I have concrete proof of this,as ESB has provided this for me.They sent my details to him along with the letter referring to our juduicially mishandled claim.They grovelled to the court for confidentiality as to their charges,and send ours all over the place.The judge concerned has been alerted to this in writing

 

And as Citi are reading,I have alerted as many statutory bodies as possible,as well as Mohammad Sawar MP in order to get them in as much hot water as humanly possible.

 

This leaves us open to ID theft,and I hope Citi get a real good roasting for it!!!

 

What your details like name address and amount of claim etc - they really need stopping and soon. They think they are invinciable and above the law. Hope they grt a good rap over the knuckles for this.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Thats bad.

 

In addition can add to this that I was sent someone else statements at the SAR stage.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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In addition can add to this that I was sent someone else statements at the S.A.R - (Subject Access Request) stage.

 

Now that IS unlawful. (they will probably claim - "user training issue")

 

They have a duty of care as a data controller - report them to the IC straight away.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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just subscribing

:-x Royal bank of Scotland :-x

£2391.82 + 8% + legal costs £220.00 = £2911.88

Data Protection Act request - 01/07/06

Prelim Request - 25/07/06

LBA - 08/08/06

Claim filed - 22/08/06

Acknowledged - 25/08/06

Defence filed - 25/09/06

AQ sent 10/10/06

AQ Received by court 12/10/06

Copy of RBS AQ received 14/10/06

Now We Wait ................

 

:-x Capitol One MasterCard :-x

 

Data Protection Act Request - 15/10/06

 

:-xCiti Bank Visa Card :-x

 

Data Protection Act Request - 15/10/06

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