Jump to content


  • Tweets

  • Posts

    • it is NOT A FINE.....this is an extremely important point to understand no-one bar a magistrate in a magistrates criminal court can ever fine anyone for anything. Private Parking Tickets (speculative invoices) are NOT a criminal matter, merely a speculative contractual Civil matter hence they can only try a speculative monetary claim via the civil county court system (which is no more a legal powers matter than what any member of Joe Public can do). Until/unless they do raise a county court claim a CCJ and win, there are not ANY enforcement powers they can undertake other than using a DCA, whom are legally powerless and are not BAILIFFS. Penalty Charge Notices issued by local authorities etc were decriminalised years ago - meaning they no longer can progress a claim to the magistrates court to enforce, but go directly to legal enforcement via a real BAILIFF themselves. 10'000 of people waste £m's paying private parking companies because they think they are FINES...and the media do not help either. the more people read the above the less income this shark industry get. where your post said fine it now says charge .............. please fill out the Q&A ASAP. dx  
    • Well done on reading the other threads. If ECP haven't got the guts to do court then there is no reason to pay them. From other threads there is a 35-minute free stay after which you need to pay, with the signs hidden where no-one will read them.  Which probably explains why ECP threaten this & threaten that, but in the end daren't do court. As for your employer - well you can out yourself as the driver to ECP so the hamster bedding will arrive at yours.  Get your employer to do that using the e-mail address under Appeals and Transfer Of Liability.  
    • good you are getting there. Lloyds/TSb...i certainly would not be risking possible off-setting going on if a choice were there, but in all honestly thats obv too late now..., however..you might not never be in that situation so dont worry too much. regardless to being defaulted or not, if any debt that is not paid/used in 6yrs it becomes statute barred. you need to understand a couple of things like 'default' and 'default notice' a default is simply a recorded D in the calendar section/history of a debt, it does not really mean anything. might slightly hit your rating. the important thing here is a default notice , these are issued by the original creditor (OC) under the consumer credit act, it gives you 14 days to settle whatever they are asking, if you don't then they have the option to register a defaulted date on your credit file. that can make getting other credit more difficult. and hits your rating. once that happens, not matter what you do after that, paying it or not or not paid off or not, the whole account vanishes from your credit file on the DN's 6th b'day. though that might not necessarily mean the debt is not still owed - thats down to the SB date above. an OC very rarely does court and only the OWNER of a debt can instigate any court action (Attempted a CCJ) DCA's debt collection agencies - DCA's are NOT BAILIFFS they have ZERO legal powers on ANY debt - no matter what it's TYPE. an OC make pass a debt to a dca as their client to try and spoof people into paying through legal ignorance of the above statement. an OC may SELL on an old debt to a DCA/debt buyer (approx 10p=£1) and then claim their losses through tax write off and their business insurance, wiping their hands of the debt. the DCA then becomes the debt OWNER. since the late 70's dca's pull all kinds of 'stunts' through threat-o-grams to spoof a debtor into paying them the full value of the debt, when they bought if for a discounted sum (typically 10p=£1). you never pay a dca a penny! if read carefully, NONE of their letters nor those of any other 'trading names' they spoof themselves under making it seem it's going up some kind of legitimate legal 'chain' say WILL anything....just carefully worded letters with all kinds of threats of what could/might/poss happen with other such words as instruct forward pass... well my dog does not sit when instructed too...so... DCA's SOMETIMES will issue a court claim, but in all honesty its simply a speculative claim hoping mugs wet themselves and cough up...oh im going to court... BIG DEAL DCA - show me the enforceable paperwork signed by me...9/10 they dont have it and if your defence is conducted properly, most run away from you . however before they do all that they now have to send a letter of claim, cause the courts got fed up with them issuing +750'000PA speculative claims and jamming up the legal system. so bottom line is two conclusions.... if you cant pay a debt, get a DN issued ASAP (stop paying it!) make sure it gets registered on your file then it stops hurting your file/future credit in 6yrs regardless to what happens (bar of course a later DCA CCJ - fat chance mind!)  once you've a registered DN , then look into restarting payments if the debt is still owed by the OC, if SOLD to a DCA, don't pay - see if they issue a letter of claim (then comeback here!).        
    • Any update here?  I ask as we have someone new being hassled for parking at this site.
    • Any update here?  I ask as we have someone new being hassled for parking at this site.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 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

SolidChris vs RBoS


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6441 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

Hi there, been reading the site on and off for about a month now (damnable heatwave kept me out of the attic where the computer is!).

 

Going to send my prelim letter in the morning to my branch - charges of £468 from back in 2003. Lucky i kept all the statements even though i panicked about identity theft!

 

Thought i'd best start this thread in order to keep track over the course of the claim. Wish me luck folks!

 

Chris.

RBS in my sights.

 

Prelim sent - 02/08/2006 for £468.83

Link to post
Share on other sites

good luck? why? lol

OK I GIVE IN

 

Halifax £3600 charges, won with C/I £6400

 

NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.

 

Link to post
Share on other sites

he means you wont need luck, as you WILL get your money back.

It's not the size of the dog in the fight, but rather the size of the fight in the dog..:D

MBNA SETTLED IN FULL £216.00

Preffered Mortgages Ltd MCOL going in for £3.5K

Nationwide £702.00, SETTLED IN FULL.

Link to post
Share on other sites

Oh I know i will, i'm the dogged type.

But like i said - i wouldn't trust the fools at RBS to add up how many world cups England have won.

 

I'll keep y'all abreast of the situation.

RBS in my sights.

 

Prelim sent - 02/08/2006 for £468.83

Link to post
Share on other sites

  • 2 weeks later...

Alright, 14 days from the initial letter are almost up and i've had zero by the way of a response (typical!). I'll be sending the next letter out in the next day or two - i was just wondering about a couple of stray details.

 

Does everyone use recorded delivery? I didn't for the first letter and am slightly worried that they will claim they never received it.

 

I sent it to the branch where my current account is held. Searching the FAQ's didn't seem to say anything different and i'm sure an efficient and established financial institute like RBS would be able to get the piece of post replied to in 14 days even if it went to the Timbuktoo branch. But i want to be sure this is the right thing to do.

RBS in my sights.

 

Prelim sent - 02/08/2006 for £468.83

Link to post
Share on other sites

Guest BlueRuby
i'm sure an efficient and established financial institute like RBS would be able to get the piece of post replied to in 14 days even if it went to the Timbuktoo branch.

 

You think? :rolleyes: :rolleyes:

Link to post
Share on other sites

I mailed both the prelim and lba to my branch, july 24th and august 8th. Heard nothing! I sent this email to tommy mclean, ccing margaret king and carol stickland on Monday:-

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxx Sort Code xxxxxx

 

I am writing to you to express my extreme disapoinment in regards a claim I have filed against my branch and yourselves.

I sent a letter requesting a refund of all charges levied against my Interest Paying Current Account on July 24, 2006. I then sent another letter requesting again all charges be refunded on August 8th. Please note that both of these letters were sent via recorded mail and both were signed for at my branch, 45 Head Street, Colchester. I have attached a copy of both letters as well as the schedule of charges for your reference. The total I am claiming is £792.00

To date I have recieved no response or even recognition of my claim. I feel extrememly undervalued as a customer and am shocked at the lack of customer service I am recieving. I have always recieved prompt and polite service from my branch and from RBOS Telephone and Internet Banking.

However, due to recent media coverage, I now believe that your charges are a Penalty, penalty charges being irrecoverable at common law. It has been held that a contractual party can only recover damages for an actual loss or liquidated losses. It is clear that your charges do not reflect any actual and or real loss.

 

However, if you say that your charges are not penalties, I would be interested if you would demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs. I would be more than happy to receive this via email: missm

I look forward to hearing from you and to a resolution of this. I will wait for until August 22nd as outlined in the letter dated 8 August 2006 then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

Please contact me at the above address or by email.

Thank you,

MissM

Link to post
Share on other sites

  • 3 weeks later...

Well well well - the plot thickens like a tepid cream of chicken soup. I need a bit of guidance here.

I'm fully prepared to go to court with this bad boy as i'm a little more flush than usual right now but after i sent my LBA on the 23rd August i've been confronted with this...

 

"Blah blah apologies for the non reply to your letter dated 2nd August 2006 this was due to non receipt of the original letter.

 

Blah blah our charges are fair, reasonable and transparent (stifle laughter). We are committed to ensuring the transparency of the information that we give to our customers about the operation of our products (keep stifling).

 

Against the background, we must differ to the views expressed in your letter (i know, that is their grammatical mess). Accordingly, the charges that have been applied to your account must stand.

 

I have unsuccessfully tried to contact you by phone, however if you do wish to contact me please telephone me on xxx. If i do not hear from you within the next two weeks I will assume that this matter has now been closed.

 

Thank you again for taking the trouble to write."

 

The matter is certainly not closed but as i expressed fears about earlier - they claim not to have received the original letter. Should i go ahead and move to court action or send a final letter giving them one last chance - i'd really like a moderators advice as the 14 days from 23rd August is up on Wednesday and i want to be really pro-active about this. I thought you might like the letter as a bit of a chortle at their own delusion that they have been 'fair' to me.

 

I certainly won't be contacting them via phone as i work office hours unlike those lazy types. My half hour lunch is mine and i don't give it lightly.

 

Please help!!!

RBS in my sights.

 

Prelim sent - 02/08/2006 for £468.83

Link to post
Share on other sites

get the claim in, stal, stall, stall, they do that bit the best. GL

It's not the size of the dog in the fight, but rather the size of the fight in the dog..:D

MBNA SETTLED IN FULL £216.00

Preffered Mortgages Ltd MCOL going in for £3.5K

Nationwide £702.00, SETTLED IN FULL.

Link to post
Share on other sites

Hiya I'd just file the claim thats the standard letter they use to reply to LBAs.

 

I stuck to all my deadlines and just received full payment from RBS!

NatWest - Settled in full 22/05/06

 

RBS- Prelim sent 9/05/06 £1,147

£500 offer 27/05/06, rejected 30/05/06

LBA sent 25/05/06 :razz:

MCOL 15/06/06

Defence received 20/07/06

Settled in full 01/09/06 wahey!!!!!!!!!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...