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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
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    • 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
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Had an ongoing dispute with this bunch of wasters for 6 months now. They increased my credit card rate by 7% so I told them to transfer the outstanding balance straight onto a loan. I was asking for no more money, I just wanted to clear the outstanding amount and structure the payments so they couldn't alter the interest rate. Anyway, they declined to do this so I reported them to the FOS who wrote today and informed me they agree with MBNA so I am left with the extortionate interest rate on the card.

 

SO, I have requested all of my statements etc last Wednesday. I am going to get ALL of my credit cards charges back (or refunded to card) and then tell the whole world about it so everybody can do it ! Oh, and as for a secrecy agreement, yeah, I'll sign it just as soon as they get rid of the whole amount outstanding on the card and pay for a full on jolly for me and the family !

 

As I say - THIS IS WAR !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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During my recent telephone conversation with the advocates office at MBNA, I was informed of how their default system works. It goes like this:

 

Your account goes into default at the end of the month in which it is 180 days in arrears. So, if you missed your first payment on say 15th January, your account will be defaulted at the end of July. I was amazed to hear this as I always thought it was after three months of non-payment.

 

Just in case you were wondering. So when you think you HAVE to pay them, just remember you probably have a bit more time than you think.

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Hello Mustard,

 

The secrecy thing is quite true. You will probably come accross it in a few other threads. Basically it's a bit of hush hush money. What the bank do not want is to pay you back say £500 charges and then you go telling the world etc that you had them refunded and they everybody tries to claim money back thus costing them a fortune in refunds. They would much rather pay you a higher amount of say £1000 to keep your mouth shut.

 

{{MODERATED}}

MOD NOTE: The Consumer Action Group does not condone, nor encourages the breach of legally binding agreements, and mods will remove any post that seems to encourage people to do so.

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Email from MBNA in response to DPA request

 

Mr surreyscouse,

Please accept my apologies for not replying to you earlier.

I have arranged for the last 12 months' statements to be sent to you immediately. However, as statements produced prior to this period are archived, we are currently awaiting their availability. Please rest assured that we are dealing with the matter with the utmost priority and will endeavour to send the required documentation, along with a further copy of the terms and conditions of your agreement, as soon as they are available.

Kind Regards

Gavin Theobald

These were ordered 2 weeks ago and I was informed that they take a week to process. I chased them last week and was told that all the info will be sent to me this week.

"Utmost priority" - they don't even know the meaning of the word !

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Email from MBNA in response to DPA request

 

Mr surreyscouse,

 

Please accept my apologies for not replying to you earlier.

 

I have arranged for the last 12 months' statements to be sent to you immediately. However, as statements produced prior to this period are archived, we are currently awaiting their availability. Please rest assured that we are dealing with the matter with the utmost priority and will endeavour to send the required documentation, along with a further copy of the terms and conditions of your agreement, as soon as they are available.

 

Kind Regards

 

Gavin Theobald

 

These were ordered 2 weeks ago and I was informed that they take a week to process. I chased them last week and was told that all the info will be sent to me this week.

 

"Utmost priority" - they don't even know the meaning of the word !

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What a bunch of waster. Paid this lot over £500 last month and they have had the cheek to put a £25 fee on my statement even though I told the advocates office when I will be making payment and the reason I would be a day late in doing so (I don't live or work anywhere near an Abbey bank to make the payment).

 

I have decided that I do not want them to refund my charges. Instead I want them to fob me off as much as they like and I will see them in court.

 

Furthermore, once judgement is obtained, I do not want them to pay me so I can send the bailiffs in. And I will drive to the other end of the country just to watch them go in. I would probably ask the bailiffs to seize their computer server so they cannot trade ! Unlikely I know, but gotta have something to spice things up a bit !

 

Will keep you all posted.

 

I Am A Nutter !!!!!!

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Is a chap called Bruce Hammonds. email is [email protected] just is case you feel like bombarding sorry contacting him by email. Based in the States. You will get an initial response telling you his office will take no action. But if you copy him in on enough emails then his office does contact the UK and tells them to sort it out quick !

 

I personally copy him in on any old email I send to MBNA. Apparently he gets quite a lot of marketing emails from firms trying to sell you anything and everything. Don't know how that happened ;)

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Don't worry, I'll keep calm and will watch these wasters squirm and I will just stick to my deadlines. Apparently all my DPA stuff was getting sent 1st class yesterday. Last time they sent something first class it took ten days to arrive so I', not holding my breath.

 

I will take it all in my stride but erm............... I can still be a nutter can't I ?

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Well most banks do anyway !

 

Name MBNA EUROPE BANK LIMITEDNumber02783251 Active CCJ's2 Value of CCJ's [£]£2077 Number Of Writs0 YearCCJ's RegisteredWrits Registered 200520 200410 200310 DateCourtAmountStatusCase NumberDate Paid18/05/2005NORTHAMPTON CCBC£5096Satisfied5QZ2092421/06/2005 23/02/2005BRENTFORD£1048Judgment5BF00376 03/08/2004MIDDLESBROUGH£2855Satisfied4MB0345608/09/2004 15/08/2003WATFORD£1029JudgmentWD304526

Don't ask where I get my info from !

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Right, the wasters have just sent 11 statements. They said their archive ones for the previous 5 years were being sent 1st class yesterday so should hopefully be adding things up over the next few days before I get into gear and hound them.

 

I can't wait !

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Update,

 

Received almost six years worth of statements on Saturday. I say almost as the wasters forgot to include six statements. They also never sent through file notes to see if there has been any manual intervention. So far it stands at just over £300. On one occasion they charged me £20 for being 4p over my limit.

 

I have chased them for the missing stuff but I really have the bit between my teeth now !

 

Wasters !!!!!!!!!!!!!!!!!!!!!!

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That's terrible. an't believe they wouldn't accept a payment plan. I am convinced that the blokes there have small man syndrome and being nasty to customers is the only feeling they get of any power.

 

I wish you well, don't let the wasters get you down !

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Update !

 

Email response from MBNA, they cannot provide the missing statements due to technical reasons so how am I supposed to find ou what charges were added at that time ? Or should I just make an assumption that there were charges on each of those statements and add it to my claim ?

 

Head is buzzing, please help ! :-x

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Jeez ! It's all happening today.

 

Had a phone cal back from MBNA advocates office. There really is nothing they can do regarding the missing statements. It was suggested that if I look at the previous and prior months statements then I could see what charges were added on to the account. ......... Long pause by me............... "I take it you are looking at the charges on your account to see if they can be refunded" Up until now, I have not mentioned charges at all. MBNA mentioned them first.

 

I said that the only thing I can do is look at the worst possible scenario as to what charges could have been applied and ask for them back on top of what I alerady know they owe me.

 

I was also told to write in for them to be refunded and it will be dealt with "in the usual way" .. Wooooooooooohhhhhhhhhhhhhhhhhh !!!!!!!!!!!!!! They are obviously deaing with a lot of these then.

 

I remained calm as the chap I spoke to was very polite. No point having a go at him personally if their disks that store the info have lost a load of my statements. Will keep you all posted.

 

Keep the faith !!!!!!!!

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Yeah, I 'll see how things pan out with them. if they pay the most I could have been hit with in charges for the absent months then I' m not sure how I would play it.

 

See what happens, I'll keep you posted.

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Update Guys

 

Ok, from the statement they have sent me I have over £300 charges. Reading between the lines on the others there is about another £200. So this makes me think that these have purposefully been missed out. Do the maths 60 statement and 7 cannot be given. So that leaves 53 on which there are £300 charges scattrered about. Averages a charge of £5.66 per statement. Yet 7 statements with £200 charges averages £28.57.

 

Perhaps I am being a but paranoid but it seems remarkable that periods of time when most charges were added consistantly they cannot provide the statements.

 

Anyway, 1 st letter sent today informing them I want £500 back, removal of late payments from my credit file or I will go to the IC and report them for a. not providing my details and B. not storing my details carefully enough.

 

Will let you know how things go. Not till next though as I'm now off to Ireland for a weekend on the beer ! Oh, and my best mate gets married there as well !

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The one thing i don't get is exactly what I would be issuing a summons for under the DPA. They have lost information on me, how do I quantify that and what exactly is my reason for taking them to court ?

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