bennyowen
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Martin Kay's memorial fund - now closed. Total about £3000. Thank you
bennyowen replied to BankFodder's topic in Martin3030
Done. Rest In Peace Martin. -
successful appeal at PATAS for Yellow Box Junction PCN
bennyowen replied to dan8's topic in Private Land Parking Enforcement
More example PATAS Case Number for Battersea Bridge Road / Westbridge Road yellow box junction: 210061382A And read the full story in Telegraph here: http://www.telegraph.co.uk/motoring/news/8068422/Yellow-box-camera-raises-1-million-a-year.html -
successful appeal at PATAS for Yellow Box Junction PCN
bennyowen replied to dan8's topic in Private Land Parking Enforcement
More example cases won for Battersea Bridge Road / Westbridge Road yellow box junction: 2100439540 - Unforeseen obstruction 2100446400 - Multiple reasons for winning 2110069641 - Non compliant box 2110138201 - Non compliant box -
GMAC RFC - closing down mortgage operations in UK?
bennyowen replied to Pathway's topic in Mortgages and Secured Loans
http://www.paratusamc.co.uk/ Contact Us Should you like to write to us directly on matters regarding your loan, please use the following address for correspondence: Paratus AMC Limited PO BOX 4189 Bracknell RG42 9LY Tel: 0844 770 8030 Fax: 0844 770 8040 Should you like to write to us directly on general matters please use the following address for correspondence: Paratus AMC Limited No.5 Arlington Square Downshire Way Bracknell Berkshire RG12 1WA -
The main part is the UTCCR 5(1) "A contractual term which has not been individually negotiated shall be regarded as unfair if, contrary to the requirement of good faith, it causes a significant imbalance in the parties' rights and obligations arising under the contract, to the detriment of the consumer." The supplier has failed to deal fairly and in utmost good faith. Schedule 2(1) .. (o) "obliging the consumer to fulfil all his obligations where the seller or supplier does not perform his;" This becomes relevant if the supplier treated you unfairly as it failed its own obligation of fair dealing in levying unfair charges. Schedule 2(1) .. (e) "requiring any consumer who fails to fulfil his obligation to pay a disproportionately high sum in compensation;" This becomes relevant if the charge is disproportionate to the breach. Schedule 2(1) .. (j) "enabling the seller or supplier to alter the terms of the contract unilaterally without a valid reason which is specified in the contract;" This becomes relevant if the 'Referral charges' was not clearly stated in the initial contract. I will also like to refer you to the following Case Law: Director General of Fair Trading v First National Bank [2001] UKHL 52 According to Lord Bingham in Paragraph 17 of the above Case Law: "The requirement of good faith in this context is one of fair and open dealing. Openness requires that the terms should be expressed fully, clearly and legibly, containing no concealed pitfalls or traps. Appropriate prominence should be given to terms which might operate disadvantageously to the customer. Fair dealing requires that a supplier should not, whether deliberately or unconsciously, take advantage of the consumer's necessity, indigence, lack of experience, unfamiliarity with the subject matter of the contract, weak bargaining position or any other factor listed in or analogous to those listed in Schedule 2 of the regulations. Good faith in this context is not an artificial or technical concept; nor, since Lord Mansfield was its champion, is it a concept wholly unfamiliar to British lawyers. It looks to good standards of commercial morality and practice."
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The Unfair Terms in Consumer Contract Regulations 1999 (UTCCR) is always relevant for Credit Card transactions. Example reference: Schedule 2 (1) … (o) obliging the consumer to fulfil all his obligations where the seller or supplier does not perform his;
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That piece of legislation is relevant to your argument. The unfair relationship concept originates from CCA 2006, which is an amendment to CCA 1974. Section 140A(1a-c) of CCA 1974 (as amended) gives description of unfair relationships. Section 140B(1) gives the court a wide power to intervene in the agreement. Section 140B(9) puts the burden of proof on the creditor to show the action they took was fair to the consumer. Also, Section 150 of Financial Services and Markets Act 2000 allows individual consumers to make claims for unfairness in FSA regulated agreements.
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Does Unfair Relationships Test (CCA06) apply?
bennyowen replied to Stressed-and-Floundering's topic in Financial Legal Issues
Read this note from Consumer Direct: Consumer Direct - Hire Purchase -
Does Unfair Relationships Test (CCA06) apply?
bennyowen replied to Stressed-and-Floundering's topic in Financial Legal Issues
If he/she was provided with goods and services for which he was allowed to pay in arrears, that means 'Hire Purchase'. 'Hire Purchase' credit/lending issues has been fully covered under CCA 1974 and as amended under CCA 2006. -
Does Unfair Relationships Test (CCA06) apply?
bennyowen replied to Stressed-and-Floundering's topic in Financial Legal Issues
CCA 2006 is an amendment to CCA 1974. The amended legislation now apply to both regulated and unregulated credit agreements. Lending is the same as credit transaction - such as credit card, overdrafts, loans, hire purchase, payday loan, etc. Also, for FSA regulated credit agreements, individuals can seek redress using Section 150 of the FSMA 2000 (Financial Services and Markets Act 2000 - Wikipedia, the free encyclopedia) if the firm breach the FSA rules e.g. FSA MCOB rules, FSA The Principles. -
frazzledfrau, It is unfortunate that you accepted their 'no win, no fee' arrangement from the start. You could have been able to sort it out yourself using simple letter templates in this forum. I am not sure what else you can do to get out of their trap without paying their fee.
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Glad VS Halifax - Court messed up
bennyowen replied to glad's topic in Halifax Bank and Bank of Scotland
If the court refuse to write back to all parties highlighting the error, you will have to go through the route for Application Notice to set aside the judgement before 14 days. You will then state in the Application Notice that the claim has since been discontinued and the court has not updated its records. -
Glad VS Halifax - Court messed up
bennyowen replied to glad's topic in Halifax Bank and Bank of Scotland
Since the court agreed with you on telephone that it is their error, you should request that they write back to all parties highlighting the error. -
Glad VS Halifax - Court messed up
bennyowen replied to glad's topic in Halifax Bank and Bank of Scotland
If the money refunded to you earlier (£4091) was as a result of "goodwill gesture" and without accepting liability, Halifax will not go back on its goodwill gesture. The court should resolve their own mistake. -
The grand old days. This is a good result. If it gets on Youtube, it will turn the heat on the banks. The press will take notice.
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