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    • No you're not doomed. It's a shame you covered up the dates and times on your PCN since they can possibly help your case when they don't comply with the requirements of the rules in private car parks. Could you please therefore include the arrival and departure times as well as the date of the offence and the date on which they alleged they sent you the PCN. The PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4.since the wording should invite the keeper to pay the outstanding amount. Also I cannot see on the PCN that UKPO are the Creditor though I may have missed it since it is so unusual not to include it. The upshot is that you as keeper are no longer liable to pay the charge if the driver fails to pay within 28 days-0nly the driver is now liable. As Courts [assuming it gets that far ] do not accept that the driver and the keeper are not the same these rogues will have a hard job who was driving unless you appeal or have appealed and revealed who was driving. You did say that you weren't parked there long and had that been correct you have perhaps 15 minutes where you might have had a further. argument. As it judging by the confusing times mentioned in the wording or the PCN you were there for almost an hour? However as the light was not good and I presume the signs were not illuminated that is a reason that you could not see the sign. And did you have your blue badge showing ? Interestingly the post code quoted does not agree with the Post office one in West houghton= BL5 3JS Are there two different Tesco  car parks in Bolton. You obviously could not be in two places at the same time...............
    • Especially because you have bought the car on finance, there is probably quite a lot that you can do although it sounds as if you are maybe taking the appropriate steps anyway. However you need to give as much more information. We need to know – the name of the dealer details of the vehicle, make, model, mileage, age, price paid – 70 8K? The name of the finance company – and some dates. Date purchased, the date that you have logged this with the FOS and I'm sure there will be other questions. I suppose that you don't understand your consumer rights very well because issues like the sunroof et cetera should have been repaired by the dealership and there was no need for you to spend your own money on this. On the basis of what you have told us, I would suggest that eventually should be up to recover all of your money plus the expenses you have incurred in carrying out repairs. And in fact – you could also list out the faults which have manifested themselves so far and the money you have spent on correcting those. You are entitled to purchase a vehicle which is of satisfactory quality remains that way for a reasonable period of time. At £78,000 I wouldn't expect any serious issues to manifest themselves in this vehicle for quite a few years. Tell us also about the £2400 inspection that you have had carried out. Were you advised to do this? To do this of your own initiative? Who carried it out? That lot for a start
    • Hi Dx, I am hoping you have had an opportunity to skim through this thread. Please may I give it a humble bump for your consideration. My last date to present a WS is Wednesday the 17th. Many thanks and kind regards 🙏  
    • Hello I've got a parking ticket, see here... https://ibb.co/DfHqg9F https://ibb.co/QvqH52m https://ibb.co/pbPPdDg https://ibb.co/X2F1X25 I've been parking at a particular corner in a small Tesco car park for years. Recently they put two electric charging plugs, one where that spot is and one at the bay next door, so I stopped using them out of courtesy in case they need to be used (I use that Tesco every day and drive past every day but have yet to see anyone use them). Recently I went back to Tesco when it was reasonably dark. All the bays were full, including the three blue badge bays. I have one but none of the cars parked in the bays did, I noticed as I walked past them (nobody ever gets pulled for that because Tesco have never policed this small car park before). Since there was two free electric bay spaces, and since I wasn't going to be long (just one product), I parked into my former 'regular' spot. There was a notice on the wall but if I'm honest I didn't read it because (a) I'm thick, and (b) I honestly thought it was just telling people how to use the device (like I said, I'm thick) rather than this being a parking fine. I went back during daylight and the sign is very obvious (as you can see from the picture), although not so obvious at night, although probably still obvious enough for you to tell me "tough luck, pal". Now they want £100 or £60 if I pay quickly. Am I doomed?
    • Hi All   After a bit of advice to see where I stand. Bought a car in Sept 2022 on pcp. Been told it had a big inspection and was good to go. Had many issues with it throughout the year including trims coming off the car and sunroof not closing.   While getting the sunroof repaired at month 12, in Sept 2023, the bodyshop guy said your cars been in a bad accident. Garage said it hasn't but offered to take the car back at half of what I paid for it as long as I buy a replacement from them before inspecting it (probably damage control) (car was £78k, said they'd offer £40k "trade in value" as if doing me a favour).   Ended up getting a forensic inspection done for £2400 in Dec 2023, confirmed car was in a bad smash (write off level but unrecorded on hpi) and potentially unsafe to drive - front end is slightly bent towards 1 side, what looks like a hairline crack on the chasis, overspray, bonner with patches of filler all over it, damaged rubbers etc   Raised complaint to finance company and few weeks ago to FOS... just wondering what people's experiences have been like going through the FOS, main thing that concerns me is that it was 12-13 months after I bought the car that I realised what caused these issues and raised the issue to the garage/ finance co but the damage/ misaligned panels are actually visible in the advert photos which I saved thankfully.    Dealership has had my car for 4 weeks to let a few bodyshops look at it (without giving me a courtesy car!!!) Not giving me any updates either because I went to the FOS about it and didnt want to speak to them over the phone anymore as opposed to emails. Note: hanging trim was reported within 3 months but due to part delays it didn't come until like July 2023, within 2 months the piece came off again, claimed under repairers warranty for another replacement 6 weeks ago and within 2 weeks this time the trim is coming off AGAIN (assuming it won't stay on due to the car being actually bent out of shape slightly)   Any idea if I have a good case or if there's anything else I can do?   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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Bank face internal admin chaos due to bank charges....


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We are hearing from some of our pals in the banks that the deluge of bank charge claims are continuing to pour in. Meanwhile even logging and responding to the simplest queries is becoming extremely difficult. Staff are having to be drafted in, traing is having to take place and new operations centres are having to be opened. Claims are continuing to fill up the county courts and apparently the cost of getting legal depeartments and external lawyers to deal with the volume is outstripping the value of the claims in many cases.

 

Call centre volumes relating to penalty charge queries are also still rising.

 

The cost of continuing the legal action against the OFT and their own customers is climbing.

 

With the foundations of British finance being rocked by the Northern Rock saga you would think that banks would seek to bury the hatchet and immediately move to rebuild trust with customers (or should that be unsecured creditors?)

 

The petition supporting Martin Lewis's stance on the bank charge charter on the Downing Street website is still at number 3 and shows no signs of slowing in growth.

 

Meanwhile 1000's of people are being caught by bank charges evey day and it is causing absolute misery for those involved. Especially people on benefits, low and fixed incomes etc......

 

This will undoubtably be an election issue......whether or not the main parties talk about it.

 

My prediction: We are moving quickly towards a situation where the cost/benefit ratio to sorting out the bank charge mess and paying claimants to go away is getting stronger every day. And the best part is that this applies to all parties involved (Banks, OFT, FSA and the Courts). The longer the OFT case drags on the more external costs are added. I reckon there might even be a compromise agreement reached (and announced) before Christmas.

 

 

Edit: And if an admin could correct the spelling in the thread title that would be great. :-) :-)

A £35 pound bank charge is not a charge for a service. Its theft.

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Edit: And if an admin could correct the spelling in the thread title that would be great. :-) :-)

 

Your wish is granted :)

 

Interesting post, indeed the pressure is mounting on the banks. You neglect to mention the huge costs in sending barristers to defend any applications to lift stays which the banks routinely do. Keep the pressure up folks. This is one battle the consumer must win. Justice demands an end to the cruel and punitive actions of the banks!

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I have said this all along, surely the most cost effective method of getting us all out of their hair is to just pay up on receipt of the first letter and spreadsheet, they could have saved themselves millions is interest and barrister costs.

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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I doubt it.

 

It is reckoned that the banks made £4.7 BILLION a year in unlawful charges.

 

If the banks were to repay those amounts for the last 6 years (never mind the interest!) = £28.2 billion.

 

Not gonna happen. :-(

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In support of the argument, I recently won a case against HSBC Credit Card (this week in fact).

 

Initial Claim was for £104. Then I added CI.....taking it to £138.

 

Then they paid.......... £1100.......... TEN TIMES THE AMOUNT.......

 

 

 

 

HELLO!!!!!!!!! :D

srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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interesting thread and sounds like good info coming from knowledgeable people.

 

i have been in checking on the site everyday to see if any news of OFT case -

 

im from northern ireland and it doesnt appear to be as high profile over here.

 

fingers crossed and anouncment made before xmas - although i reckin they are just gonna advise that the maximum the banks shud be charging is £12 just the same as that for credit cards - which i dnot not think is good news!!!

 

really hope im wrong tho

 

cheers

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