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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.
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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.   
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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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      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.

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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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SBC v Virgin Card (MBNA) **WON**


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I got charged £12 for a late payment. I phoned and asked for a refund on the charge but they were only willing to give £6 back, so I said I'd write and get it back.

 

My first letter was ignored. Got no reply at all.

 

My LBA has also been ignored. I explicitly stated the 14th day (3rd Jan) by which I expected payment, but I've received nothing. The tracking code shows the letter was received by them on 24 Dec.

 

What should I do? Technically I should file with moneyclaim, but for £12 I'm not sure I should? I really thought they'd have paid up.

 

Should I phone them and ask why they've not replied and explain I'm about to file a court claim if they don't credit me by the end of the day?

"Be reasonable, demand the impossible"

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Should I phone them and ask why they've not replied and explain I'm about to file a court claim if they don't credit me by the end of the day?
You could try that. Otherwise, moneyclaim (or file using a form N1 in your local court) is the way forward. Alternatively, you could complain to the FOS.

 

 

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Hmm.. I got back home on the day I posted above to find a letter from MBNA saying they were looking into it and I'd get a reply by 20th Jan.

 

I know the normal protocol is to stick to your own timelines, but given it's only for £12 do you think I should hang on to hear their reply?

"Be reasonable, demand the impossible"

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Curses..... I have received a reply saying that they're not going to give a refund (for £12 flippin' quid!!!).

 

So, given the low claim amount and the fact they didn't reply to the prelim letter, I've drafted up one final request with a little sting in the tail - that I will cancel my account with them (which I will gladly do). It's all standard text at the top of the letter - I put my own wording in about half way down.

 

Please could someone glance over it before I send it tomorrow, I don't want it to go against me if I have to take it to court (which I will do if I get rejected again) - please let me know your thoughts. :-)

 

Thank you for your letter dated XX.XX.XX explaining that you are not prepared to refund the £12 late payment charge you applied to my account on XX.XX.XX.

 

I now understand that the regime of fees which you have been applying to my account in relation to late fees are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am writing to ask you one final time to refund me this charge. I require repayment in full of this money.

 

Failure to comply will result in me cancelling my card and account with you. Regardless of the OFT guidelines and your own standard policies referenced in your letter, if you do not see maintaining good customer relations as motivation enough to refund a £12 charge then perhaps my custom is better suited with one of your competitors. As I'm sure you are aware there are hundreds of lenders besides VirginCard/MBNA who I can swap to and this is something I will do without hesitation.

 

Additionaly, if you do not comply fully within 14 days (i.e by XX.XX.XX), I shall begin a court claim against you for the full amount plus interest, plus my costs, without further notice.

 

I am confident that like many thousands of others I will win such a case. A favourable outcome for me would only go to highlight the unnecessary nature and futility behind your decision.

 

Yours sincerely, etc......

"Be reasonable, demand the impossible"

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  • 3 weeks later...

Not heard a thing back from MBNA on this, and it's several days past the 14 day deadline, and I built in a 14 day extension from my prelim start daye, just to try and get it resolved. Tsk....

 

I'm gonna get the Claim ready over the weekend and file it first thing Monday if nothing has turned up.

 

Is it still possible to use MCOL for this?? I saw big notices saying 'STOP' for the bank charges - does this apply to Credit Card claims too?

"Be reasonable, demand the impossible"

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Don't use MCOL. Firstly, the case will get stayed automatically even though it is not a bank charges claim and, secondly, there is not enough room on the form for a proper particulars of claim and you can't attach your schedule and it gets transferred to your local court anyway. Much better to go straight to your local court.

 

 

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N1

 

Warning - you can fill it in on your computer but not save what you have filled in. My advice is do everything in word and then cut and paste onto the form and print. THe Particulars of Claim can be done on a seperate sheet and the word 'attached' written on page 2 of the form.

 

 

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Hi Crimz,

 

I've been using:

Virgin Card

PO Box 1004

Chester Business Park

Chester

CH4 9WW

 

It's the same as the MBNA address, and the letters are even coming back headed as MBNA, not even a whiff of the Virgin logo.

 

Well... I WON this little victory! I phoned them to find their previous reply (apparently sent 2 weeks ago) 'got lost in the post'.

 

But they sent a duplicate saying whilst they don't agree with me they're refunding the fee + interest to maintain their relationship with me. Weirdly the money only got credited to me the day of this second duplicate letter. It's almost as if they didn't send the first one at all (otherwise the money would've been credited two weeks ago). :roll: hmmmm....

 

Whatever... I won, and they are idiots!

"Be reasonable, demand the impossible"

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  • 11 months later...
  • 1 year later...

No, I still kept the Virgin Card in the end as they did refund me albeit through gritted teeth.

 

I'd previously had an actual MBNA card where the same sort of thing happened but they steadfastly refused to refund £12 even as a gesture of goodwill, so I did dump that one, then successfully claimed it back, then wrote them a letter saying 'you just lost a 10yr customer over £12, and you didn't even get to keep the £12, ha haa' sort of thing! :D

"Be reasonable, demand the impossible"

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