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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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    • 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.

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      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.
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      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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SK v A&L **WON**


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Hi everybody,

 

I have got quite far down the road on this, the story so far is:

 

1. Sent first polite request letter 22nd May. I have all my statements for last 6 years, so was easy to add up the charges from them. Gave them 14 days to respond before I would begin a claim against them. The total claim is just under £600.

 

2. 10th June - Got long, but no doubt standard, reply from A&L basically saying there's no error on their part, and 'hoping they'd resolved the situation'!

 

3. 24th June - I replied expressing disappointment, and enclosing copy of my completed N1 Claim Form to show I mean business and offering a further 14 days before submitting it for them to settle. I haven't done the interest sums because I didn't want to risk doing it wrong and being thrown out for that reason and it's not much. However, I have included 'and interest at such rate and for such periods as the Court deems just' to my N1 form.

 

4. Today, received letter saying that they are looking into it and will respond in another 28days.

 

So, I am prepared to stick to my schedule and submit the claim in a couple of days when the second 14 days are up, and have written telling them so, and pointing out that they've already had 6 weeks to respond.

 

Does this all seem OK to you guys?

 

BUT I also have a teensy question - I've filled out the form in .pdf format and printed in out, and very nice it looks too - but I don't know where to send it or how I get a Claim Number. I've tried searching every thread I can but I must be a bit blind! Thought I saw it a few weeks back, but can't find it now...and I think I have to enclose a fee with it, is that correct?

 

Thanks for your help, the site has been brilliant so far. And yes I will make a donation when/if they cough up.

 

Steve

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11/7 Quick update:

 

7 July - ANOTHER letter saying they'd reply within a FURTHER 28 days (strong smell of delaying tactics!)

 

9 July. I sent letter telling them I am going ahead with the court claim (and giving them an extra week just to show I'm being reasonable) and that after that there will be no further communications from me. Will take the form to court on Friday (14th)

 

11 July. Letter from A&L almost word identical the one they sent 1 month ago. Some paragraphs are word-identical, including "I must advise that if I do not hear from you in the next eight weeks our file will be closed" and "I do hope that we have now resolved this situation"!!!!! Do they expect me to reply with "Oh, right, that's OK then, you have completely convinced me of the righteousness of your position, how foolish I have been, I'll shut up now and go away" ?

 

Only 3 days til I submit the claim.

 

And yes, I have set up parachute account (with Smile) and also got a GE credit card that gives 3% cash back on food & petrol. Looks good to me.

 

Anyone slightly further down the road than me able to tell me what to expect after the submission of the court form and what the the timescales are likely to be?

 

Thanks

 

Steve

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I'm checking this site almost daily - and there seems to be plenty of people starting new claims, and sending their LBA's, but I haven't seen anything recently about the part where you get to filing the County Court Claim form and A&L's actions in settling (or not).

 

Anyone done it recently? How long did it take? Did it get as far as court? If so what did they use as defence? Or is it simply that the stalling tactics have worked?

 

Thanks in advance to anyone who can supply this info.

 

2 days til I file the claim at court!

 

Steve

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Hey Steve.

From reading around the forum, the routine seems to be:- claimant files in the court; A&L write back saying they will defend; then they almost always settle before court date.

Apparently once the papers have been served, and a court action is up and running, the court case has to follow a prescribed route and be brought to a conclusion.

This can only be done by the bank/b.s. saying it will defend; turning up in court to receive a judgement or settling; then the claimant writing to the court acknowledging receipt of the monies.

Only then can the court draw a line under the case and put it away.

I've not noticed anyone saying that it is a long drawn out affair once it reaches the moneyclaim stage.

Hope this helps a bit. 8)

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Many thanks for that. I just hope that I'm one of the 'almost always' that doesn't get to court!

 

I'm not worried about doing the stuff in court - I'm plenty used to public speaking, dealing with senior people, etc - BUT I am worried that they (A&L) defend those cases where they find a mistake or problem with the claim. If I've done something wrong in my court claim, not only would that be a bit of a disappointment but it could make it more difficult for other claimants by setting a precedent.

 

Probably worrying unneccessarily. Let's just hang on in there and see what happens.

 

Steve

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Hey, Steve.

Have a look at Weaver440's thread ["Ohmegod!!!!!" I think it's called].

She was nervous as anything, as she thought she'd made an enormous error in her Moneyclaim. Turns out it wasn't unsurmountable if it had had to go all the way into court - but A&L didn't take it that far.

I may be wrong, but I'm not sure they particularly want to fight. Seems to me they want to make it difficult, but if victims insist they pay up then take their revenge by closing the account.

As I advised Weaver - cross your bridges as you come to them dude, no point anticipating trouble. :cool:

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Thanks again.

 

Claim form has been sent today to the County Court, with the fee of £80 (my claim is around £500).

 

Now for the interesting bit! Will add any details as they appear.

 

Am I right in thinking that after the court allocates a case number, I cease to use this thread and start a new one in 'cases pending' (or similar title that I can't quite remember)?

 

Steve

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Carry on posting here, but PM your case number which will be allocated to you by the courts, along with details, to a mod to post in Litigation in Progress. Take a look there and you will see the type of thing that is there. Have you taken a peek in the Statutes Library? All of the Acts you are quoting in your claim can be found there. You could either read up on them, or just pick out the sections you are quoting. This might help your confidence, but A&L have stated on the radio that they won't go to court, so I shouldn't worry too much on that score.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks Caro,

 

Will do - but, please excuse my ignorance - what is "PM" and and what is "a mod to post"? I have been following this site for a long while now, but sorry I don't understand those terms.

 

Steve

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Thanks Caro,

 

Will do - but, please excuse my ignorance - what is "PM" and and what is "a mod to post"? I have been following this site for a long while now, but sorry I don't understand those terms.

 

Steve

 

Sorry Steve. If you click on User CP (Control Panel) on the toolbar at the top of every page, you will find Private Messages (PM), basically like an email can be sent. Mod is moderator, eg me or anyone with a green light by their name. Only Admin and moderators can put details in the Litigation in Progress section, so we have to post the details of your claim for you in there for you. Hope that clears it up.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thank you Karnevil. It is late you know. I seem to be making a mess of things today.:smile:

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 2 weeks later...

Well, here's the good news we all hope for: A&L have settled in full!

 

Cheque arrived Saturday - exactly one week after notifying that they intended to defend. Of course they never will, since if they lost (which they would) it would set a precedent and they'd rather make people do it the hard way. They appear to have added interest too, as well as the court fee. I've seen somewhere on this site something called an Allocation Questionaire. NOt sure if I have to fill one of these in (and if there's a charge?) Anyway, presume not as I have my sticky hands on the funds already.

 

I expect we all get to the point after sending in the claim when we think 'what if they decide to make a test case out of me?'. Well, I was quite looking forward to the prospect of appearing in court - especially as there are SO MANY cases detailed in this site where they have already settled that it would be very difficult to justify why one case could be any different. SO, if you are in the middle of this, my advice is - hang on in there, go through the right steps and don't be fooled by their delaying tactics, stick to your timescales and they WILL pay up!

 

But do open a parachute account. So far I'm very pleased with smile. Also very pleased with new GE Money credit card that gives THREE PERCENT back on all food and petrol purchases.

 

 

Thanks to everybody for your help.

And yes, I have already made a donation to the site.

 

Best wishes

 

 

Steve

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:):D:razz: CONGRATULATIONS STEVE :razz::D:)

A&L Data Protection Act sent 8/6/2006 - Statements received 27/7 - Prelim request for payment sent 28/7 - LBA sent 8/8 - MCOL 21/8 - Settled in full £3317.66 20/9:lol:

MBNA Data Protection Act sent 8/8 - 14/9 Offer of £2,247.35 accepted. (£1,160 charges plus compound interest). Second account = offer of £1,182.30 (£436 charges plus compound interest) :lol:

Morgan Stanley Data Protection Act sent 8/8:) Total of £875 charges.

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Congratulations Steve and thanks for the thanks in your PM. Also thanks for the donation. There is a survey you can access right at the top of the page to add your winnings to the total.

 

You certainly won't be needing the Allocation Questionnaire though as that is for the courts, and we all know you won't be going there now.:p

 

Good luck in the future.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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