Jump to content


  • Tweets

  • Posts

    • 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.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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

Can i claim for the interest from Loan


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6306 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Can anyone help.

I had £2770 of charges from The Royal Bank of Scotland and they offered a loan at a very high Apr to pay off these charges.

I was successful in claiming charges back and would not of had this loan if it were not for the bank charges.

My question to anyone is,

1. Can i claim back the interest for the loan which i feel was forced upon me?

2. If so how do i go about it and how do i put it in writing so that they will stand up and listen?

3. Is there some kind of act or law which i can quote at them to assist me with this?

4. Do i need to go to court over this and if so would i have a chance of winning?

I have tried speaking to someone at the bank but all i get from them is, "you were offered the loan and you accepted it". It did not matter to them that it was down to there charges that forced me into a corner to have it otherwise my wages, which went into the same account would have been swallowed up by them from the account where the charges were.

The staff are so annoying and seem now to be even more uncaring then before i claimed back my bank charges.

Please can anyone help and if so put a basic letter together for me to copy, on how to get the interest back.

 

Thanks to anyone who can help me with this matter. I will be in your debt forever. Debt of "LOVE"

 

gerarddobbin:rolleyes:

Link to post
Share on other sites

I did ask this question previously but I couldn't progress with it because the answer didn't help me. The answer was:

 

Yes you can and there is a case for doing so, providing that the sole reason for the loan was for bank charges ie the £2770 was made up solely of bank charges.

 

Mine wasn't so didn't progress it. Can't answer your other questions as a result, but can't see why you can't use the same process as you have done to get your charges back.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

Link to post
Share on other sites

You can claim the proportion of the interest on the loan that related to bank charges - ie if loan is £10k and £5k of that is charges then you can claim bacl 50% of the interest charged. I have a claim in for just this with Nat West and they have applied to strike out that part of my claim. I am in court on 22/02 with this.

 

Story here - http://www.consumeractiongroup.co.uk/forum/natwest-bank/11431-nat-west-3-claims-11.html

Consumer Health Forums - where you can discuss any health or relationship matters.

Link to post
Share on other sites

gizmo111

 

Thank-you for your help and everyone else who replied. I will be watching your case and hope you are successful. Good luck.

 

They only gave me this loan to pay off the charges because i was refused a loan every time in the past. Thats why also the loan is from another section of there bank where the loan is at a very high APR.

After they took the charges from my current account they then closed that account, took my cheque book and debit card back and left me only the use of the Royalties Gold account. They left me with only a basic bank card which could only be used to take money out of the hole in the wall.

I have e-mailed Tommy Mclean and written to him to give him the chance to return my interest along with £38.00 which they have just charged me over Xmas because of this unwanted loan.

This is his e-mail address in case you need it [email protected]

Another e-mail address i have if you need it is [email protected]

I got these e-mail addressess from this site.

Once again good luck with your claim and i watch with great interest.

If you would like to update me personally by e-mail i would be most grateful. My e-mail address is [email protected]

 

Cheers gerarddobbin

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...