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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.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • 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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    • 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 
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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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Me against the Natwest X2 **I'VE WON, I'VE WON!!!**


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First of all can I just say that until I found this site I had no idea that there were so many people in the same boat as I am in. It has now been a great help and inspiration to read that so many people are taking on the banks and winning. I have now started the ball rolling and will now hopefully get something back at a time where I really could use a helping hand.

 

I did read the FAQs although some of the information went right over my head... I need to find a brain at some point.

 

I have opened another account in another bank and hopefully that will be the start.

 

I sent two DPA's on the 20th March, I have had statements back from one of the accounts, and have phones to query where the other set are and there is no record of them recieving my letter... thank god for recorded delivery!

 

Im now debating whether to send them a reminder letter or just let the 40 days elapse and report them... think Im going to let the 40 days elapse.

 

I have gone through the set of statements now from the first account, and found much to my amazment that I was charged a whopping £568 for a period of 12 months. Now that is an awful lot of money to me that Equates to a months mortgage or other bits and pieces I have had to do without over the last 12 months.. and I know there is another charge of £28 to go on there. Im now waiting for my statement to come through to show me where this has come from.

 

Thats one account down, Im now waiting for all of the other information to come through. I know the next account is going to be horrendous... Im fighting a loosing battle at the moment to keep afloat and its not easy.

 

However, all of the information here, and reading about everybody else's results has really helped to put determination to complete this effort.

 

Thanks to everybody this is just what I need.

 

Lynne

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Hi Lynne,

 

Welcome aboard the same boat...

 

Regarding DPA requests - you have made the request, and are not obliged to send a reminder. However, contacting the bank after about 30 days does 2 things:

  • Reminds them to get the info to you, so you can make a more accurate estimate of the refund you request
  • Demonstrates that YOU are making as much effort as possible to resolve the issue

However, if they don't comply, then you should report them.

 

As for the rest of it, you seem to have a reasonable handle on how the timetable works. Keep checking the following FAQ link, just to make certain that 4 weeks down the line everything is crystal clear:http://www.consumeractiongroup.co.uk/forum/showthread.php?t=243

 

Good luck.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.

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  • 3 weeks later...

Just another update, sent two more letters to the Natwest, one asking for my charges back the other saying that their 40 days was up, I hadnt heard from them therefore, I was going to report them and I would like my statements.

 

got a letter back 4th of May saying nope you cant have your charges back... onto the next step now...

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Well I got all of my 6 yrs worth of statements, and I waded through them with a highlighter pen, then put them onto the spreadsheet... and I can't believe the amount at the end... a whopping £3553.50.. Im still in shock but my first request for payment is going off tomorrow, and also a letter before action for my other acount which doesn't have anywhere near that amount.

 

Im still in shock that I have paid so much in charges. Oh what could I do with that kind of money now...

 

spend it of course....

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  • 2 weeks later...

Ah well it had to happen, I seperated my claims for my charges back and now have had a nice letter... from Stuart Higley saying I have all ready said that there is nothing at all I can do... go away and by the way I have informed the litigation team that of your intentions... thought it was too good to be true so... Ive started my money claim, saying that the combined total including interest is mind numbing, its over the £5k. Im still in complete shock now, I hope that this works I have faith and I will keep going with it... but a little bit nervious now.

 

I do have faith, I will win...

 

keep telling myself that as yet another £38 charge hit my account for what being over my overdraft limit by pennies.

 

Here goes

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Nat west aknowledged my claim today...

 

I think its a bit ironic it being 06/06/06 wonder if they are the devil...

 

ah well 26 days and counting

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In rbrears thread ('My claim against Natwest') they waited until the allocation questionnaire stage before giving in and refunding the whole amount. So stick with it and keep us posted.

If you found this post useful please click on the scales above.

 

Egg - £400 - Prelim sent. On hold.

Mint - On the list Est £800

GE Capital - On the list (3 accounts!) Est £4000

 

MBNA - £545 Prelim sent 13/11/2006

LBA sent 1/12/2006

£350 partial payment received 18/12/2006.

Full settlement received 20/1/07

 

NatWest - Est £4000 not incl interest

Data Protection Act Sent 10/1/07

Statements received 24/1/07

Prelim sent 3/2/07

Full Settlement received 22/2/07

 

The contents of this post are the sole opinions of The Cornflake and not necessarily the opinions of any other members of this group. They do not constitute sound legal or financial advice and if in doubt you are advised to seek advice from a qualified professional

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In rbrears thread ('My claim against Natwest') they waited until the allocation questionnaire stage before giving in and refunding the whole amount. So stick with it and keep us posted.

 

Im sticking with it... its strange I would have been panicing by now, but by keep reading the site, and sticking to the proceedures have actually given me confidence that I would normally not have...

 

My Mum on the other hand went into a huge panic when I told her what I was doing, shes 72 and thinks that the banks cant be wrong... but since shes never ever paid a bank charge, she also cant understand how Ive ended up in this mess.

 

But I have time, the clocks ticking and well I know its all going to turn out well.

 

thanks everyone for your help

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Ah well it had to happen, I seperated my claims for my charges back and now have had a nice letter... from Stuart Higley saying I have all ready said that there is nothing at all I can do... go away and by the way I have informed the litigation team that of your intentions... thought it was too good to be true so... Ive started my money claim, saying that the combined total including interest is mind numbing, its over the £5k. Im still in complete shock now, I hope that this works I have faith and I will keep going with it... but a little bit nervious now.

 

I do have faith, I will win...

 

keep telling myself that as yet another £38 charge hit my account for what being over my overdraft limit by pennies.

 

Here goes

 

Was the claim over £5k excluding the interest? If it was, I'm just wondering if this is why they are defending it, as this would entitle them to claim costs if they win.

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Was the claim over £5k excluding the interest? If it was, I'm just wondering if this is why they are defending it, as this would entitle them to claim costs if they win.

 

My whole claim was for £5092 including interest and charges, I had an extra set of charges that pushed the claim over the £5k and decided not to include those. I have not at this time heard anything from them, or had the questionaire yet so heres hoping...

 

Mind you I have had a letter from them telling me my account was being charged a referal fee, thats the first one in years... it got me wondering why?

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  • 2 weeks later...

Just a quick update...

 

heard nothing at all, no questionaire nothing... ah well patience is a virtue I have been told...

 

But I want it to happen NOW!!

 

well they have until Friday to sort it all out...

 

weeee what a week this is going to be

 

I can hear that ticking clock

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Hi, well this weeks dragged, however, my claim was accepted on the 2/6 and that means that today is the last day for the natwest to file a claim. I need help because I have heard nothing at all, no phone calls no letters nothing, I keep logging onto the Moneyclaim site to see if they have logged a defence but nothing, not court questionaire...

 

Now the help bit, Is anybody at all out there in the same boat as me, Im hoping that I can get a default judgement as they havent filed. Also are the 28 days from me filing or them acknoweldging... I sort of know its from me filing but wanted to be sure...

 

I think it must be just me... i must smell or something and they dont want to talk to me...

 

thanks if advance for anybody that can help

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I phoned moneyclaim thought that they would be able to answer my question. I looked on the Faq and other posts and couldnt really find an answer... but money claim said that the 28 days started when they recieved the papers... thats 5 days after I submitted the claim... which means if they dont do anything before the 5th of July then I can win the judgement by default... which is all well and good... but its been 28 days since they acknowledged the claim... so really they have more time... ah well another 5 days to wait... takes me to wednesday next week... oh how I wish that time wouldnt drag...

 

eeek forwards and onwards, its not like i couldnt do with the money...

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Well today is the last day for natwest to file a defence... but watching others on here I reckon natwest will have either served the defence today or will late tomorrow... nothing is ever straight forward....

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natwest filed their defence today at the last possible moment... deadline midnight, so Im now waiting for my questionaire and letter from Corbetts... or should that be ronnies

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Just want to say good luck :)

Initially owed £76

Phone call to NatWest - £19 refunded

Now claiming £57

Visit to local branch - Nothing done

Initial letter - Standard refusal letter from Mr. Higley

LBA - Another refusal letter from Mr. Higley

Action filled Monday 7th August - court costs £30

Now claiming £87

10th August - Natwest acknowledge the claim, intend to defend in full

23rd August - Received a latter and cheque from RBS for the full amount

24th August - Send letter to RBS accepting payment on the condition that payment is not confidential

30th August - Payment cleared.

Case closed!

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Hi Lynne,there 's about 4 of us at this stage in our claim,Cobbetts will have sent you the same doc as us.Turn the last page back(crafty) on itself...does it say?

 

claiment ****

and

defendant NWB

 

CPR PART 18 REQUEST

 

Part 18 does not apply to the small claims track.(CLAIMS UNDER £5,000)

Barracad says

There is no need to respond to part 18 requests other than to point out that you consider that the inquiry is intimidatory as part 18 is excluded and that you intend to bring the intimidation to the notice of the court.>

hopefully you will get your money back soon

Tim

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Hi Lynne,there 's about 4 of us at this stage in our claim,Cobbetts will have sent you the same doc as us.Turn the last page back(crafty) on itself...does it say?

 

claiment ****

and

defendant NWB

 

CPR PART 18 REQUEST

 

Part 18 does not apply to the small claims track.(CLAIMS UNDER £5,000)

Barracad says

There is no need to respond to part 18 requests other than to point out that you consider that the inquiry is intimidatory as part 18 is excluded and that you intend to bring the intimidation to the notice of the court.>

hopefully you will get your money back soon

Tim

 

Hi Tim

 

well mine doesnt say any of that however, im going through everything and i really dont think that the cpr18 rule applies either... however, trying to read round the posts to see if anyone esle is having that problem.

 

My brains trying to leak out of my ears at the moment, but Im not going to let this go now at this stage. The court is not far away so will be off there to hand in my questionaire in person if I can get it finished.

 

Lynne

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Well after battling my way though the cpr18 part i ditched it and sent corbets a nice letter saying that i imagine that because my claim not including costs was under (just under) the 5k I didnt need to send them the reply to their cpr18... so Im now waiting for a bog standard letter....

 

i am getting excited... but also I now can see a small blinking light at the end of the tunnel....

 

I so hope it works out ok....

 

it will I know

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Good luck

I'm about to do battle with NatWest as well so I shall be especially interested in where this goes.

 

Donethat

 

Do it ... dont be put off by them, they will try everything they can but in the end have faith in everyone on here thats WON!!

 

if nothing else you have the experience... and well its not going to throw you again...

 

Im amazed at just how much this site has helped in other areas... its great... I feel armed and dangerous....

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  • 2 weeks later...

Thanx for your help Lynne... Fingerz crossed for you - this is an exiting read!!

Good luck ;-)

[SIZE=1] [SIZE=1][COLOR=royalblue][COLOR=black][B]NatWest [/B] Offer accepted - 24/07/06 - £615[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=black]-----------------------------------------------[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=black][B]Cap One [/B] Prelim - 22/08/06[/COLOR][/COLOR][/SIZE] [SIZE=1][COLOR=royalblue][COLOR=#000000]LBA sent - 06/09/06 [/COLOR][/COLOR][/SIZE][SIZE=1][COLOR=royalblue][COLOR=#000000] MCOL issued 06/10/06 Served 11/10/06. Acknowledged - Deadline 25/10/06 [COLOR=Red] Offer of full settlement via personal cheque accepted £269. Wait 14 days in post for cheque from - 07/11/06 [/COLOR] [/COLOR] [/COLOR][/SIZE][SIZE=2][COLOR=magenta][B][COLOR=darkslateblue]Hit the [/COLOR][COLOR=darkslateblue][URL="https://www.paypal.com/cgi-bin/webscr"][COLOR=red]DONATE BUTTON[/COLOR] [/URL]and give 5% back to support this site! And don't forget the [COLOR=red]survey ;) [/COLOR][/COLOR][/B][/COLOR][/SIZE] [/SIZE]

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WEll....

 

The postman today delivered a nice missive from Corbetts... asking me if I would like to accept a 50% offer of what they owe me...

 

Im in the middle of compiling my "you have to be kidding" reply to them...

 

They have also asked if I would keep my mouth shut.... and not tell anyone... but Im not going to do that am I?

 

Well Im now starting to see the light at the end of a very long tunnel.... but you know... I now have both my sisters starting right now on their DPA's its amazing what a letter saying I can have money can do:D

 

so .... let you know what they have to say in the next couple of days....

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