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    • 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.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
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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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    • 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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Mafflondon V Barclays ***WON***


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Hi,

I suppose I am halfway through my battle with Barclays. I am demanding £1690 taken in so called paid referral fees over 6 years. Today Barclays offered me £830, more or less 50%. I will of course only accept it as partial payment and again demand the full amount or I will take court action. Will update my progress regularly.

 

I have a question if someone would be so kind to offer advice please:

 

My LBA was dated 31.10.2006. Barclays reply received today but dated 08.11.2006 with partial offer. When I reply to say I am claiming full amount do I await a new reply or do I remind them of the looming 14 day deadline I gave them in my LBA that expires on 14/11/2006 and then make a claim via court? Will the courts view this as unreasonable on my part?

 

Thanks

__________________

Prelim for £1690 12.10.2006

B'clys standard reply 17.10.2006

LBA 31.10.2006

Partial offer £830 08/11/2006

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Thanks for that. Rejection letter to be sent to today.

Another question that I cant find on FAQ's:

The partial settlement letter from Barclays was issued from "Retail Banking Customer Relations, Swansea" but my prelim letter and first response was to and from Barclays Head Office Customer Relations, 1 Churchill Place, London. Obviously I should reply to Sawnsea but shall I copy HQ as well?

When I enter a money claim online I assume I use Barclays HQ address?

Many thanks, great site, will continue with updates.

____________________

Prelim for £1690 sent 12.10.06

B'clays standard response 17.10.06

LBA 31.10.06

Partial Offer £830 dated 08.11.06

Rejection Letter sent 10.11.06

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Yes , reply to wherever the letter came from. No need, in my opinion, to send a copy anywhere.

 

Yes, use their Churchill Place address when filing.

 

Good Luck

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To follow my case progress, click here to see where I'm at right now.

 

Welshman

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Hi all,

 

Following my letter accepting partial offer of £830 but maintaining demand for full amount of £1690, Barclays the next day (received today) wrote back again offering the £830 with apologies that I remain unhappy. However, they did say that they are unwilling to pay the partial amount as an interim payment adding:

 

"If you do not wish to accept our offer in full and final settlement, it would appear we are unable to reach a mutually acceptable resolution... I trust I have fully explained the Bank's position".

 

Has anyone else received this response? I suppose it is expected but it seems a little strange they replied again offering a partial amount and also they replied a day before I go to court! What does everyone else think?

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Hi, an update...

Have made my MCOL against Barclays today. Will also post on the litigation thread. Please can someone advise how and which moderator I PM to do this.

Also, can someone please advise what I now need to send to Barclays and the Court and when? I assume I send the schedule of charges with a covering letter? What do I need to say in that letter and what do I need to say to the court?

Thanks

 

____________________

Prelim for £1690 sent 12.10.06

B'clays standard response 17.10.06

LBA 31.10.06

Partial Offer £830 dated 08.11.06, received 09.11.06

Rejection Letter sent 10.11.06

2nd partial offer letter (again £830) received 13.11.06

MCOL 15.11.06

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Hi, an update...

Have made my MCOL against Barclays today. Will also post on the litigation thread. Please can someone advise how and which moderator I PM to do this.

Also, can someone please advise what I now need to send to Barclays and the Court and when? I assume I send the schedule of charges with a covering letter? What do I need to say in that letter and what do I need to say to the court?

Thanks

 

____________________

Prelim for £1690 sent 12.10.06

B'clays standard response 17.10.06

LBA 31.10.06

Partial Offer £830 dated 08.11.06, received 09.11.06

Rejection Letter sent 10.11.06

2nd partial offer letter (again £830) received 13.11.06

MCOL 15.11.06

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Send 2 copies of your schedule of charges, clearly marked with your claim no. + a brief covering letter asking for them to be filed with your claim to:

 

The Court Manager,

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

 

Dear Sir/Madam

 

(Your Name) –v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

 

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

 

Yours Faithfully

 

When you receive the Notice of Acknowledgement send a copy to the bank’s solicitors.

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All was going smoothly...

Please can someone advise.

I had submitted by MCOL on 15.11.06. Issued against Barclays on 16.11.06.

Just about to send of the letter and schedule to the court and then to Barclays Solicitors and noticed a tiny tiny but significant error in my schedule.

The charges tally is correct - £1690 but on one "date incurred entry" I put 14/12/2000 and not 14/12/2001. Therefore "days since offence" is incorrect and total interest amount is incorrect.

How can I rectify and will it cost me?

Many thanks

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Hello,

I'm stuck.

I think my schedule of charges has major errors and I am getting so confused when checking and rechecking via the speadsheets. Basically im getting differnt figures all the time. The excel simple spreadsheet website defaults to current date. How can I get it to work out charges, days since occured and interest calculation up to 15/11/2006 (the date of my MCOL claim). Once I have done this I can be sure of my figures and submit an amendment if necessary.

Hope you can help

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Hi,

My MCOL is officially issued against Barclays today (submitted on 15.11.06) I still have not resolved my schedule problems. I will do the whole spreadsheet from scratch tonight and following Michael's advice reset my clock on my pc to 15.11.06 to get an accurate figure.

Is there anyone here i can email my spreadsheet to if i still have problems?

Also, where on MCOL should I look for Barclays formally acknowledging claim?

I need to move fast on this I know as I have yet to submit my schedule to the court, do I have time?

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  • 2 weeks later...

Hi,

Barclays have until end of tomorrow (05/12/06) to enter an acknowledgement of my MCOL. In the very unlikely event they do not, when can I request a judgement by default? Do I have to phone MCOL on the 6th to be sure they did not enter an acknowledgement.

I know this is fantasy land and that Barclays will acknowledge at last moment but I want to move fast in the hope that if they are late I may just beat them to it.

Any advice appreciated.

Thanks,

Maff

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If tomorrows the date, then the deadline is 4pm. Press the apply for judgment button before 9am the next day and it will be dealt with that day. If you apply after 9 then they'll deal with it the next day. I think you will have to wait until after midnight before applying though.

 

Having said that, and I know it seems unfair, if they respond before 4pm on the day you apply, they will continue as normal.

To follow my case progress, click here to see where I'm at right now.

 

Welshman

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Thanks welshman for the advice. There is actually a bit of conflict on CAG over this issue. Some are saying as Welshman says and indeed CAG official step by step guide. Others on the forum are telling me not to apply for a judgement immediately as this can result in the bank applying for the case to be stayed.

Instead I have been told i could write to Barclays informing them that that they did not seek acknowledgement and that if they do not pay full amount in 7 days I will then seek judgement by default.

Apparently, this shows the court you are willing to negotiate in the litigation claim and winning the case on merit rather than by judgement.

This was all said last night in the chat room and provoked quite an intense debate.

Any other views?

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  • 2 weeks later...

Something fishy going on?

 

On 05/12/2006 Barclays acknowledged my claim. Later that week I signed up for online banking. Having a browse through the site I noticed I had various pre-approved offers i.e. overdraft limit of up to x, loan available for x etc. I knew about the overdraft limit I could have as previously I was informed when I contacted them back in August.

 

However, last Friday, on logging on, all the offers had disappeared with messages I should contact branch if I wanted a loan or overdraft increase. I called the bank to ask why and they denied I ever had a pre-approved overdraft limit!! They also said I would be declined any extension and that I should obtain my credit file!! I asked if this had anything to do with reclaiming charges and of course they denied. ( I obtained credit file and nothing untoward)

 

I went in branch the next day and she said my account was reviewed like everybody elses on a monthly basis. She said it was probably due to the fact that I reach my limit every month but agreed with me that loads of people do that. She also noted that I had not exceeded my limit for 6 months and that I have a regular, fixed income every month.

 

Call me a conspiracy theorist but this seems like dirty tricks. When I exceed my limit (as I obviously did plenty of times in past 6 years) Barclays kept on increasing my overdraft. When I keep my account in good order but take them to court all pre-approved offers are removed and Im told any overdraft increase is likely I will be declined.

 

Any thoughts?

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Mafflondon, going back to your post on the 5th of december. They do this most of the time. You wil also find that they leave it to the last min to put in there defence. They did this to me when i thought id won by default. I read somewhere on here that barclays removed someones overdraft facility altogether ( i think). They may be playing dirty, thats because they seemed worried about the whole thing. Can this go on and on with thousands of people claiming money back? I wonder if eventually there will be a certain time to claim back unfair charges like endowments. Good luck with your fight.

 

brummie65

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Following acknowledgement of service I need to send a brief covering letter to Barclays Litigation (Ruffhead!) with my schedule of charges. Is the following ok?

 

Dear Mr Ruffhead,

Re. XXX V Barclays

Claim XXX

Barclays Ref XXX

Please find enclosed a schedule of charges relating to my claim for full refund of charges amounting to X plus interest of X continuing at 8% until judgement or settlement at a daily rate of X plus court charges (currently £120).

Yours sincerely,

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