Jump to content


  • Tweets

  • Posts

    • 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.   
  • Recommended Topics

  • Our picks

    • 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
        • Like

challenging Bank of Scotland


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6229 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I sent Bank of Scotland the standard "can you please refund the charges applied to my account" and a mere branch manager responded with the following irritating and patronising communication:

 

"with reference to t and c's of your current account.......funds must be in the account before transactions are made....charges will therefore remain on your account..".

 

Wait for the best bit: "I understand your frustration" (do they really????!!) "as no one likes paying charges, please contact us if you need advice on how to manage your account." I think my branch manager needs to contact me for advice on how to manage customer accounts!!!!

 

As you may have gathered from the above, i am rather unhappy with the response i have received. Therefore i will be requesting all account details for the past 5 years and calculating exactly how much i have been forced to pay in unfair charges. I am fully prepared to take BoS to court over this, in fact i'd love the media to get involved and make a spectacle of the entire affair. However, after reading a lot of the posts and information on here, i am guessing they will settle out of court.

 

I'm not so much irked by the money being taken from my account, more the reason and strategy behind the blatant profiteering! It's ridiculous, we give them our money to look after (how grateful we are to them for doing so), but they dip into our accounts and use our cash to invest and generate huge profits for themselves.

 

Anyway, rant over........ :D

Link to post
Share on other sites

PLEASE START YOUR OWN THREAD, YOU'RE HIJACKING SOMEONE ELSE'S! IT MAKES THINGS HARD TO FOLLOW FOR EVERYONE!

 

I must have paid over £500 in bank charges over the years and after paying £39 for a bounced £14.00 direct debit I am sick of it.

 

I used to work for business banking (BOS) in Speke and had a staff account but stopped working there years ago.

 

I have just requested 6 years bank statements from them and I want every last penny back.

 

Please keep me informed on how you get on and I will do the same!

 

Perhaps we can help each other!

Link to post
Share on other sites

  • 1 month later...

Well, i sent off my letter requesting 6 years of statements on 16/03/06 and to my surprise received a huuuge envelope today containing 6 years worth of statements!

 

However, it seems BoS haven't taken kindly to my complaint regarding their charges. The accompanying letter reads as follows:

 

"Thank you for your recent letter........

 

I'm sure you will appreciate that like other organisations we incur costs for every transactio made. When we pay an item against an unauthorised overdraft or return an item unpaid, we incur extra costs regardless of the shortfall involved. We believe it is fair to pass these costs on to the accounts affected, rather than absorb them into other areas of our operations, penalising all our other customers as a result.

 

We clearly outline our charging policy in the terms and conditions that apply yo your account. In addition, we are committed to complying with the Banking Code, which sets standards of good banking practice for banks and building societies to follow when dealing with personal customers. The terms and conditions of your account state that you must have funds in your account to cover your transactions. We cannot be responsible if you have authorised payments against funds that were not available."

 

Blah blah

 

"Ultimately it is your responsiblity to amange your account. However, as a gesture of goodwill I am prepared to refund £136.00 of charges in full and final settlement of your complaint. I must stress that future valid charges will stand and we reserve the right to close your account if you do not manage it correctly. If you are prepared to accept my offer, please sign and return the enclosed acceptance form in the prepaid envelope."

 

They kindly totted up the changes i have incurred and it comes to a total of £312.50, although i have yet to check this. Looks like they are trying to appease me with £136 on the condition that i close my complaint and never complain about charges ever again. Reading a couple of other posts on this forum it looks as though i should continue with my complaint and attempt to gain back all of the charges i have incurred. The letter contained a name and direct number of a Customer Relations Manager; i shall be contacting her tomorrow morning and demanding a full refund. I am also considering contacting the OFT regarding the account closure threat.

Link to post
Share on other sites

  • 11 months later...
Guest xipetotec46
Posted another letter to the Customer Relations Manager today stating that i am not prepared to accept settlement of £130 odd pounds and that i wish a full refund of £548. Will just have to wait and see what the response is!!

 

To get your money you must do the math side first and give them a schedule of the charges along with dates then apply statutory interest as opposed to contractual interest statutory interest is what the courts will allow you to charge you can find the INTEREST CALCULATOR HERE:

http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632,

pointless informing the OFT they will not deal with complaints about banks you need....

Financial Ombudsman Service,

South Quay Plaza, 183 Marsh Wall, London E14 9SR

Telephone: 0845 080 1800

E-mail: [email protected]

Website: www.financial-ombudsman.org.uk

 

But only get in touch with FOS if the bank say they are closing your account, you must get a deadlock letter from the bank to say negotitions are at en end. Nationwide were closing my daughter in laws account on 12th March I asked them for a deadlock letter so I may complain to the FOS, it cost a bank £250 paid to the FOS to investigate a complaint and you would probably be compenstaed to the tune of £125 if the FOS found the closure of the account to be a vindictive act brought by the bank because you claimed back charges from them... however I digress... Nationwide have still not closed the account 26 days after they said they would, all they said was we are still investigating the letter to them about a deadlock letter about the account closure. food for thought.

Link to post
Share on other sites

  • 11 years later...

This topic was closed on 03/06/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6229 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...