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    • 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.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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
        • Like

Successful Claims


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If you have been successful in your claim with Bank of Scotalnd or Royal Bank of Scotland but the thread title doesn't show **WON** or **SETTLED** can you please send a private message to one of the mods to change the title and put it in the successes sub-forum.

 

This will give other users an at-a-glance guide to other cases that have been won and may just give them that extra little bit of confidence needed to pursue BOS or RBOS themselves.

 

If you can't PM a mod for whatever reason then just reply to this thread.

BEFORE starting your claim read through the FAQ's and if there's something you aren't sure of then ask.

If you win, donate to this site

Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.

 

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  • 2 months later...
  • 2 weeks later...

Me too please :)

 

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/36087-sweetrevenge-rbos.html#post437340

 

Could you add "won at lba with contractual interest"

 

thanks!

:lol: Sweetrevenge :lol:

Don't get mad - get even!

If I've helped you please hit my scales 'n' bump my rep!

 

RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12

WON at LBA with compound contractual interest £607

 

RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, £1,278, £4,279 and £7,250(!) all with contractual interest.

 

 

This is now very out of date!!!!

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  • 1 month later...

Hi everyone

 

I posted a note yesterday, however, think wrong place.

 

i have just been successful in pursing RBS and they have said they will refund all my personal charges, approx £3580. I am waiting to here about my business charges.

 

I only applied for a refund on my excess charges and didn't look at any interest, this just seemed to hard.

 

Maria

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To mtm0066

I am in the process of claiming the interest from a loan they used to pay off charges. This RBoS loan was at a very high Apr rate from a department within there organisation after they refused me a loan at there normal rate of interest. They stung me very badly indeed. Tommy Maclean has passed my claim onto someone called Patrick Burke who is going to deal with it because Tommy says he is only dealing with peoples bank charges. I will try and keep you updated.

 

gerarddobbin

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mtm0066

Hi, Patrick Burke who Tommy Maclean is his manager is looking into my claim. can you believe that i have in my possession three signed copies of loans from RBoS which show different amounts of loans over one thousand pounds which i know did not have and another which shows on a bank statement which was used to pay of the bank charges. All these loans are signed between the 2-06-2003 and 6-06-2003. With one of these loans one of there staff members came to my place of work to sign it. If thats not harrassment in getting me to sign for this loan then i don't no what is.

Have you ever had anyone come to your place of work or know anyone who has?

Have you ever known a bank to give anyone four loans between the times i have shown you above?

At the same time as claiming back the interest for the loan that was used to pay off charges which i have proof on a statement i am also asking them to look into the loans issue as fraud could be going on here.

On one piece of A4 paper it shows that i had a loan of £3400 and the total amount to pay back is nearly £7000. is that normal for me to pay back nearly £3500 or more in interest. I would expect that from provident but not a bank.

I will keep you updated of my progress and what Patrick Burke has to say after he has investigated.

Cheers for your reply and good luck with yours.

 

gerarddobbin

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  • 2 weeks later...

Hi

 

I am due in court this Thursday :eek: but have been told by various helpers on this site that it is doubtful that it will actually get to us having to attend due to hopefully settlement beforehand. I am preparing my court bundle just in case, but need to know if I get an offer prior to Thursday should I still attend? [dodgy.. as money won't be in my account] If they make me an offer on the steps of the court buildings 10 minutes before hearing do I accept or continue with going before the Judge? HELP! :confused:

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I CAN'T BELIEVE IT!!!:-):-):-)

I've received an offer in the post today for the full amount of my claim over £2500 (no interest)

I was giving them a few days over my deadline and was going to to start MCOL next Monday, but I don't need to now. :-):-):-)

 

 

Request for statements - 16th Dec 06

!st letter - 2nd Jan 07

LBA 7 day deadline - 18th Jan 07

LBA extending deadline by 7 days -27th Jan 07

Full offer received today!!!! 7th Feb 07

 

GOOD LUCK TO EVERYBODY

If I can do it anyone can.

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Anyone else having trouble posting on the survey of total successful claims (on the opening page of the site)?.

There are no banks listed in the drop down menu of the bank, so details of refund cannot be entered.:-?

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8 weeks agoe, i sent off letter number 1 requesting all my statements from 2000 to 2006. They promptly sent them to me. 2 weeks ago, I sent a letter off to my local royal bank branch requesting £4,800 which had been applied to my account. I advised them that if they settled now, I would not pursue interest charges. The above charges were applied to my account over the last 6 years, whilst we were impossibly trying to live off one wage. The bank caused my near demise and also vast mental pressure, stopped me wanting to sleep and tape up th eletter box. This morning I have received a letter from the bank advising that although they believe their charges are fair, as a gesture of goodwill, they will pay the full amount of £4,800. I feel so happy.

 

I want to thank this website, martins money saving expert and all you people out there who have helped me with your kind advice aiding me and probably thousands of others, in the stance against a banking attitude that is crippling people normal folk on average incomes.

 

If I can help anyone at all, please mail me @ [email protected] or [email protected].

 

Please use the templates provided on this site AND DO IT.. do not put it off until tomorrow.

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Hi all sent prelim letter of on 25/01/07 got reply back today 10/02/07 offering full refund £3,667 just got to sign now and bingo ,thanks to every one who helped me and good luck to everyone just starting,will send a donation soon as it is in my account

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  • 2 weeks later...

hi, everbody, just had a letter back from RBOS, have been offered £100 short of my total charges, so i have acepted

only took 6 weeks from sending out 1st letter , really pleade, now staring on the other banks too!!!!

settled £1404, charges were £1500, so i am happy with that

just wanted to let people know that it is possible

a BIG thank you to this website and all the people for all ther advice, thanks:)

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Bank: RBS

Amount Claimed: £2,842

Amount offered: £2,412

The Story: Sent first letter off claiming back charges 6th Feb, heard nothing so sent 2nd letter saying that i would take it to court if I did not hear from the 22nd Feb and the next day I recieved a written offer of £2,412. Theconditions are - "Any charges that properly accrue in the future will be applied to your account in line with our published tarrif....should you be unwilling to accept any such charges, then we may need to consider if we are prepared to continue to provide you with your existing banking facilities. Instead we can offer you a simple account that does not offer borrowing facilities or other services that can result in charges". Shall I accept this offer but not their terms? Does anyone have a template letter I can send that says this in a more legal matter?

 

I am happy with the offer even though it is not for the full amount as it was very easy to do and I would encourage everyone to claim back their charges.

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Congats! Having got mine back we are waiting to hear about my husbans charges, also having a go at NatWest. Capital One (husbands), GE Money( husbands), Nationwide and Creation Finance.

My GE Money is settled £501

My RBS settled as you have seen.

Husband has an offer from NatWest £1700 (£96 less than claimed) he is going to accept.

 

Waiting to hear about the rest!

 

I can't wait for the post each morning!!!!

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Mine settled too before MCOL (though I left massive gap after LBA due to personal circumstances). Settled full amount of cgharges but not the contractual interest but am happy to accept.

 

Not sure how to link my thread...

7-11-06 Requested statements from bank

11-11-06 Statements received

3-2-07 Finally send letter demanding repayment of £1,993.81

8-2-07 received first bog off letter - 'sorry to hear you are dissatisfied - passing you to customer services...'

21-3-07 letter ofering full refund of charges (£1037) less the contractual interest. As have NOT filed to court yet, am accepting payment of charges.

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  • 3 weeks later...

Hello,

Now in a quandary here.

One week after LBA letter sent I have now received the 'blah de blah' letter from RBS. But as a goodwill gesture they are offering me £4,xxx.xx to be paid into my account. This is just £350 short of what I asked for! As I am unemployed at the moment this is a godsend ( or should I say a CAG send ). Tell all the people that you see that if I can do it, anyone can. I have at least half a dozen friends who were sitting waiting to see the outcome of my claim, to scared to take up the challenge themselves. I think this will change now. Of course the bank still has to actually put it into my account. One thing that is annoying though is that the bank responses come without a date actually on their letters. Is this more incompetence for something so important!

 

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