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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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    • 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.
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forgot to take money out of cash machine


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I've just withdrawn thrity pounds from a tesco cash machine using my natwest card, on getting to tesco (10 seconds) I realised i hadn't got the money. Ran back the slip was there but no money. does anyone know how to get the money back or is it automatically repaid to my bank account ? very worried...

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It's really worth checking with Your Bank & Tesco, or whoever is responsible for the ATM.

 

After X amount of seconds I believe the Money if not removed is sucked back into the ATM, the slip isn't, but your bank should be aware of this. It's also worth checking if the ATM is covered by an internal or external CCTV, soonest.

 

It seems as if in your case though that the cash has been removed by a.n. other, therefore CCTV maybe your best bet, oh and inform the police (soonest) after you've checked with your bank and confirmed the withdrawal.

 

Good luck

 

Just for interest:

[please do not post advocating fraud]

 

Sorry - But several years ago I spoke with a HSBC Banker. 1st Party fraud, especially at ATMs was a problem, and this was pre Chip & PIN days, i.e. before PINs were automatically issued with credit cards. But your right and I do apologise. On the other hand unless we know how these crimes are committed, we can't combat them.

 

(On the other hand you could give people ideas how to commit fraud - I understand your thinking but please refrain from posting it again)

I won't, but I'm glad that SHELL held up their hands when their PIN entry devices were hacked, and millions lost.

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Hi

My mum did this a few years ago after the death of my stepfather and her mind was all over the place. What happens at ATM's in my mum's case anyway is that if the money is not taken from the ATM the ATM pulls it back in. She had no problem with the bank and the money was credited back into her account very quickly.

24th August 2006 Template letter to Argos demanding late payment fee of 17.50 is returned.

 

Argos late payment fee of £17.50 is returned.

 

22nd Nov £5 late payment fee returned by BT.

 

Virgin credit card 2* £12 overlimit fees, LBA issued early Nov..... awaiting news

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This happened to me and my statement just showed the money as being debited and then recredited.

HSBC

7th October 2006 - Prelim for £3078

24th October - LBA

7th November - Claim filed

11th November - Acknowledged with intent to defend

11th December - Defence filed

16th December 2006 - Offered full amount but no default removal. Rejection letter sent.

 

Halifax

7th October 2006 - Prelim for £3427

24th October - LBA

3rd November - Offered £913

3rd November - Accepted as partial payment

7th November - Claim issued

21st November - Acknowledged with intent to defend

11th December - Offered full amount but no late payment removal

4th January - SETTLED + removed adverse credit info

 

A & L

19th October - Prelim for £540

26th October - Offered £358

2nd November - Accepted as partial payment and LBA

27th November - SETTLED + removed adverse credit info

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I had the same problem. Had to wait for the bank to check the ATM at there usual time. Evidently it wasnt drawn back in and it wasnt covered by CCTV so they claim it must have been me or ANother that took it. £40 lost

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You will need to go into your bank and complete an ATM dispute form. If it has been sucked backed into the machine you should get the funds back into your accont within 5-6 weeks. If someone was behind you at the atm they may have taken the money which means you are 30 quid out of pocket.

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Karne, if I explain it in full it would be a bit long winded. What effectively happens is that the form goes to an ATM claims team who make further investigations, they then contact the atm supplier who have 10 working days to respond and then the money should be credited back. I do feel embarrassed having to explain this process to customers who may have had only £10 deducted, but you have to advise the timescale involved.

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  • 4 years later...

i was in preston lancashire and used the lloyds tbs cash machine to withdraw 300 pounds but i took the card and left without taking the cash. I checked with the bank and the 300 has been debited. I think some one behind me took it

 

i have reported to the police and i am waiting for a appointment to explain it

 

hopefully the cctv on the atm would have caught it

 

the atm was on lancaster road preston

 

im gutted!!!!!!!!!!!!!

 

Ps any ideas how i can go about getting my cash back any one helppppppppp

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immmy its gone! nobody responsible but you, just as if you dropped it and somebody piked it up.

illegal but thats what happens unless they hand it in to police or back to the bank; not likely tho.

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Which bank are you with? I did something similar a few weeks ago - withdrew 30 quid, took my card and left the money!!

 

I spoke to hsbc who raised a dispute with the ATM owner (lloyds) and organised for me to be recredited with the £30 in the meantime. It got me out of a hole at least!!

 

Hsbc then wrote back to me a few weeks later telling me that the machine reconcilliation didn't show a discrepancy so they took the £30 back but I didn't mind so much as by then I had been paid again and wasn't down to my last few quid!!

 

It is annoying when it happens but there may be something you can do x

"In this situation, you know what you have to do? Just keep swimming, swimming, swimming." Dory - Finding Nemo.:wink:

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Hi All

 

Thanks for all your advice, but i have managed to retreive my money . what happened was that the money was suched back in to the machine and the banks cash machine did not balalnce and as result i recived a call and my money was credited back into my account

 

A really lucky escape.

 

regards

 

immmys

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