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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Also, I continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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      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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I take it by the forum you are in that the FOS did you wrong. If so, why not tell us about it.

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Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Total whitewash. Disregarded some points. Made up other points to reject complaint.

Satan's bank can, apparently, decide to sign you up to a credit account AGAINST your express wishes.

Its purely a commercial decision on their part.

Then they can charge you when their system sends you over drawn with charges.

And its all above board according to my complaint rejection today.

 

Does anyone know if the Consumer Rights Act apples to bank accounts?

I don't always believe what I say, I'm just playing Devils Advocate

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Total whitewash. Disregarded some points. Made up other points to reject complaint.

Satan's bank can, apparently, decide to sign you up to a credit account AGAINST your express wishes.

Its purely a commercial decision on their part.

Then they can charge you when their system sends you over drawn with charges.

And its all above board according to my complaint rejection today.

 

Does anyone know if the Consumer Rights Act apples to bank accounts?

 

Is this the Ombudsmans final decision or a decision from an adjudicator? If the adjudicator, you can ask the Ombudsman to look again at it.

 

You can always reject the Ombudsmans final decision and go to court but you have to understand that the Ombudsman does not use the law when making decisions, that is for the court. they take the evidence, make of it what they will and make a judgement based on that.

 

In my opinion, the Ombudsman can be hit and miss most of the time so if you are sure of what you are saying, the best route is via the small claims court which is relatively cheap.

 

Having said that, a bit more background. How can Santander sign you up to a credit agreement?

 

I would think this case would be covered under BCOBS rather than the CRA 2015

 

https://www.handbook.fca.org.uk/handbook?text=BCOBS

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Its from an adjudicator. I think I'm going to reject her conclusion and pursue a more aggressive challenge.

Starting with a SAR and find out if they have a copy of my original application that specifically stated there was never to be any credit facilities.

And I guess I may as well put the Ombudsman on notice whilst I'm at it.

I don't always believe what I say, I'm just playing Devils Advocate

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You only have so long to escalate it upwards. When you do so, give your reasons as clearly as possible.

 

A good idea to SAR Santander however make sure that you don't give them any reason to delay.

Proof of ID

Proof of signature

Proof of address

 

Send them a cheque if you can (£10)or a Postal Order if not. Do not say that they can help themselves to a tenner from your account.

They have 40 days to comply. You would be surprised at how many times I have seen where a bank has sat on a request and then with a few days to spare demand more proof of ID. They don't have to start the 40 days until they are confident you are who you say you are.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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