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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.
      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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won CCa now withdrawn overdraft.


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As some of you know I got LLoyds/tsb to discontinue with their £11,000 claim against me. Which really ****ed them off as they attended 3 hearings with barristers.

 

I signed non disclosure documents.

 

They agreed to pay me all my fair and reasonable costs immediately! If I reduced my costs, which I did.

 

While waiting for the payment which took 6 weeks I went over my overdraft limit by £120.

They have now withdrawn my overdraft and put it in the hands of moorcraft. There is no option to get back under my limit the total overdraft is £3,120.

 

I am sure the delay in payment was no coincidence! I have no proof of course. If they had paid on time I would not be in this position. Lame excuse I know ,but true. Absolutely skint. Apart from my Costs check but that will not cover it.

 

Not sure how to go about this.

 

Regards Jack

WON lloyds walked away after second hearing £10,000 2014

 

WON Mbna after 3rd hearing £5,000, 2014

 

WON Barclaycard 1st hearing £2015, 4,500

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Thanks Rebel11, thats what I was looking for.. Have a good read tonight. Just want my overdraft back really. Seems they were a bit spiteful after losing.

 

I kept phoning them and asking for my cheque ..the standard reply was "we have requested it there is a back log". My reply was "we had an agreement I would reduce my costs and sign a non disclosure on the basis you sent me out a cheque straight away. An Estoppel has been created and you have breached it".. only when I threatened to pull out of my non disclosure agreement.... they sent it straight away.

 

By that time moorcraft had taken over my overdraft... me thinks no coincidence.

 

 

Regards Jack

WON lloyds walked away after second hearing £10,000 2014

 

WON Mbna after 3rd hearing £5,000, 2014

 

WON Barclaycard 1st hearing £2015, 4,500

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These are the key principles that apply:-

 

A firm must pay due regard to the interests of its customers and treat them fairly.

 

A firm must pay due regard to the information needs of its clients, and communicate information to them in a way which is clear, fair and not misleading.

 

A firm must manage conflicts of interest fairly, both between itself and its customers and between a customer and another client.

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I will draught a letter along those principles. I will leave out any of the proceedings except to say I was waiting for a cheque from your bank.

Offer to get back under my limit and £10 PM

 

What about interest charging etc.. does that have to stop now as they must realise I am in financial hardship?

WON lloyds walked away after second hearing £10,000 2014

 

WON Mbna after 3rd hearing £5,000, 2014

 

WON Barclaycard 1st hearing £2015, 4,500

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Include financial hardship in the letter, you can ask them to freeze it.

 

If your suffering financial hardship, they certainly shouldn't be closing the 'Overdraft Facility', they should be helping you. But to claim financial hardship you may need to send them an Income & Expenditure form.

 

Here's some info:-

 

http://www.lloydsbank.com/help-guidance/money-worries/managing-debt.asp

 

I will draught a letter along those principles. I will leave out any of the proceedings except to say I was waiting for a cheque from your bank.

Offer to get back under my limit and £10 PM

 

What about interest charging etc.. does that have to stop now as they must realise I am in financial hardship?

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Include financial hardship in the letter, you can ask them to freeze it.

 

If your suffering financial hardship, they certainly shouldn't be closing the 'Overdraft Facility', they should be helping you. But to claim financial hardship you may need to send them an Income & Expenditure form.

 

Here's some info:-

 

http://www.lloydsbank.com/help-guidance/money-worries/managing-debt.asp

 

 

Thanks again rebel11, On it over the weekend...

WON lloyds walked away after second hearing £10,000 2014

 

WON Mbna after 3rd hearing £5,000, 2014

 

WON Barclaycard 1st hearing £2015, 4,500

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  • 1 month later...

Had letter back from tsb as my account had transferred over to moorcrap. Tsb will not be bringing it back in house.

 

It transpires I was with lloyds for over 20 years, In July 2014 I was supposedly sent a default notice (they admit in a letter I didn't receive) saying I had to pay £103 to bring the overdraft into credit by the 14th of July. Coincidently I paid in £100.

 

However Tsb cancelled my account in September 2014 when I was £103 over drawn ... £100 was interest accrued since the DN was sent. The only reason I was over the overdraft limit was because I was awaiting my costs back from my lloyds victory. Lloyds promised payment within 7 days but never paid until after tsb closed my bank account. I am thinking conspiracy theory, lol

 

I now have no bank account but still have my LLoyds costs Cheque that I can't cash. GRRR

 

I did a dsar on my account and it is there in black and white; LLoyds knew I was in financial trouble and had promised to stop interest rates after I had put my income out goings expenditure in writing to them march 2011. They did not stop the interest so clearly misled me. The £3000 overdraft was made up purely of interest by September 2014.

 

I feel I need to complain but have never done this or know what to say or how to say it. Surely they have breached some rule or regulation BCOBS etc.

 

All input welcome..threads to read where to complain etc.

WON lloyds walked away after second hearing £10,000 2014

 

WON Mbna after 3rd hearing £5,000, 2014

 

WON Barclaycard 1st hearing £2015, 4,500

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Have you made a formal complaint to their Head office ?

 

Rebel has already provided you with the sections of BCOBs that you should be using.. or am I missing the point and you need help drafting the complaint :lol:

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Have you not set up another bank account somewhere, where you can bank your LTSB cheque ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Have you made a formal complaint to their Head office ?

 

Rebel has already provided you with the sections of BCOBs that you should be using.. or am I missing the point and you need help drafting the complaint :lol:

 

 

Hi CB.. help drafting complaint or link to similar. I cant let them get away with it I now have no f''ing bank account. All for going over £3 after 20 years.

 

 

I used Rebels great points in my complaint letter .. which I felt was good. I even nailed the BCOBS correct numbering for their easy reference.

 

So now to battle.

 

(A pointer on where is easiest to start a new basic account would also be good.)

 

 

regards Jack

WON lloyds walked away after second hearing £10,000 2014

 

WON Mbna after 3rd hearing £5,000, 2014

 

WON Barclaycard 1st hearing £2015, 4,500

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Have you not set up another bank account somewhere, where you can bank your LTSB cheque ?

 

No! going to get on it this week. Not sure if a building society or bank will be easier?

 

Will try Fords suggestion CO-OP.

 

I thought this problem may have come up quite a lot given our general bad credit history.

WON lloyds walked away after second hearing £10,000 2014

 

WON Mbna after 3rd hearing £5,000, 2014

 

WON Barclaycard 1st hearing £2015, 4,500

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Hi Jack

 

You still have an option of going to the FOS, they don't understand BCOB's, but they do acknowledge the 'Lending Code'.

 

It sounds like they have withdrawn your overdraft because you won. It' sounds like a 'retaliatory' action, unless there are very good reasons.

 

Send them a SAR, before you complain, that way you can 'nail down' exactly why it was closed.

 

http://www.lendingstandardsboard.org.uk/docs/lendingcode.pdf

 

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/59/59-banking.htm

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...

 

Will try Fords suggestion CO-OP.

 

I thought this problem may have come up quite a lot given our general bad credit history.

 

barclays is another one mentioned on mse site for eg as being 'easiest-to-get'. there are other providers though, see what you think re yr circumstances.

 

an eg with comparisons https://www.moneyadviceservice.org.uk/en/articles/basic-bank-accounts

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