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    • Hi dx It's with Step Change. Yes that is the balance outstanding plus interest.
    • Hi All, I don't want to keep asking unnecessary and daft questions but as I read up on on stuff to prepare my defence and tthink about my witness statement, I am perusing the following: The BPA Code of practice states under 13. Consideration and Grace Periods: 13.1 The driver must have the chance to consider the Terms and Conditions before entering into the ‘parking contract’ with you. If, having had that opportunity, the driver decides not to park but chooses to leave the car park, you must provide them with a reasonable consideration period to leave, before the driver can be bound by your parking contract. The amount of time in these instances will vary dependant on site size and type but it must be a minimum of 5 minutes. 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place.   Let's say a motorist spends a minimum of 5 minutes to decide, then decides to park, that 5 minutes now doesn't apply? That doesn't make sense to me. So now that a motorist has parked after consideration, thus commencing the parking period, the decision time doesn't apply and parking time commenced when? .... on entry to the car park? This, as far as I can see is not stated in the [Withdrawn] Government document which says: The Code also makes clear that the consideration period ends at the point when the driver has parked and is therefore considered to have accepted the terms and conditions, which could be within the five-minute allowance. Doesn't say anything about it not applying if a parking event takes place.   [Withdrawn] Private Parking Code of Practice: explanatory document – how was it developed and what will it change? - GOV.UK WWW.GOV.UK So, according to the BPA, if a motorist inadvertently overstayed by 12 minutes for example, they have the 10 minute grace period but because they decided to park, they don't have the 5 minute consideration period because they decided to park and have overstayed by 2 minutes? Sorry if there's something I'm missing here.  
    • there are several threads here already whereby the judge in such cases only made an order to pay the required sum, the registering of a criminal record is at their discretion or not. dx  
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    • 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.

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      Many thanks 
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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
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Clydesdale bank charges


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hi there I was looking for help with my own bank charges complaint around 6 years ago I applied to clysedale bank for my bank charges back due to hardship that I was experiencing . I applied through the advice shop in Musselburgh and to this date have never heard back from the bank regarding my bank charge complaint. can someone please help me with advice on what I should do now . I know I had lots of bank charges as I was always getting my d d dates mixed up due to medication that ive been on all my life and I know I had lots of bank charges over about 8 years worth . I am unemployed now and could really be doing with ant cash that's due to me .

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Hi Derek,

 

This claim is for credit card charges, I understand that bank charges are approached in a different way.

 

It might be an idea to start your own thread so that you can get assistance.

 

Cheers

BP

Many of life’s failures are experienced by people who did not realize how close they were to success when they gave up. - Thomas Edison

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hi there I was looking for help with my own bank charges complaint around 6 years ago I applied to clysedale bank for my bank charges back due to hardship that I was experiencing . I applied through the advice shop in Musselburgh and to this date have never heard back from the bank regarding my bank charge complaint. can someone please help me with advice on what I should do now . I know I had lots of bank charges as I was always getting my d d dates mixed up due to medication that ive been on all my life and I know I had lots of bank charges over about 8 years worth . I am unemployed now and could really be doing with ant cash that's due to me .

 

 

You would be better off starting yor own thread.

 

While bank charges are fundementally different to credit card charges there are still avenues that could be explored

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Hi Derek and welcome to CAG

 

Your post has been moved from the BC forum to the relevant bank forum.

 

Unfortunately, reclaiming bank charges was knocked on the head back in 2007, pending the result of the case of The OFT v Various Banks decided by the Supreme Court a few years later.

 

The only remote chance of reclaiming bank charges is if you are still experiencing financial difficulty, particularly if you are into an overdraft. Read up about The Lending Code here - https://www.bba.org.uk/download-file/?f=eyJ1cmwiOiJodHRwczpcL1wvd3d3LmJiYS5vcmcudWtcL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMTNcLzEyXC9UaGUtTGVuZGluZy1Db2RlLU9jdG9iZXItMjAxNC11cGRhdGUucGRmIiwibmVlZGxvZ2luIjpmYWxzZSwidXNlciI6ZmFsc2V9

 

See Section 9 about Financial Difficulties, particularly s.224 to 227.

 

:-)

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