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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.
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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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Eddie v NatWest **WON**


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Hi Guys I have decided to claim from my bank Natwest and have just printed off my first letter which I intend to send to them in the morning.

If I also want to claim on my credit card which I had with them, I dont have it any more can I do this and if so do I need to send £20 instead of £10.

Finally do I send the letter to my local branch or Head Office.

Many thanks for your advice and I feel sure I will be asking a lot more questions and asking for more advice as the situation progresses.

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Yes you can claim from a closed account.

 

A single £10 fee will cover you for all information you require.

 

Head office address will be fine.

 

Good luck!

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Data Protection letter posted this morning lets see how long it takes for a response.

I think I will give them until early next week and phone to see if they have received my request.

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  • 2 weeks later...

I have spoken to Natwest this morning and they have no record of my request so I will be dropping my letter into the local branch this afternoon.

The very nice lady at Customer Relations has told me that it would normally take 6 working days to get them ready.

Lets hope she is right.

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Today I dropped off my Data Protection letter at the bank and the very nice lady there said that she spent 2 hours on the phone yesterday getting my statements sorted, so with a little luck I might just get them fairly soon.

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I also have a default on my credit reference courtesy of Natwest and I was wondering if its possible to get that taken off, as they defaulted me for paying something 1 day late.

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Michael that was basically it I agreed to pay something by a certain date and didnt pay it until the day after, it was a few years ago but its still on my credit ref.

Do you know how long that stays on and is it possible to get it off after I have got my money back.

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I assume you were already in arrears before this? I don't believe they can give you a default for being 1 day late with a payment.

 

A default stays on your file for 6 years.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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That's what I meant - if you were already in arrears then it wasn't just a case of being 1 day late. There's not really a lot you can do about the default unless it was as a result of unlawful charges.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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I checked today to see if the cheque has been cashed and NatWest have decided to take £5 out of each of the 2 accounts sending 1 of them overdrawn by £2.

Why would they do this when I gave them a cheque for £10 for the account with the money in.

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Why would they do this when I gave them a cheque for £10 for the account with the money in.

 

So they can charge you :-D

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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  • 4 weeks later...

I still have not had the info and I spoke to the bank on Friday and I was told that the manager is now dealing with it but he has been on holiday.

I was then told that the original request may have been destroyed to which I replied that you have until Friday 18th Aug.

The original request was lost so I handed another into my local branch and got them to sign for it.

It would appear that they are not rushing themselves into giving out the info I need to proceed with my claim and I am now getting a little annoyed.

I think I will phone them again tomorrow to push them along.

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Guest NATTIE

Give me strength,yawn yawn yawn yet another mistake on statement ordering. My advice is simple and straightforward. The £5 taken from the statement has to be refunded as well as associated Unarranged Borrowing Fee that will go out of your account at the end of either this month or next one. The other £5 should also be refunded because SAR includes statements. The original statement order was bodged because no note was put on your account which means that within 7 days they are destroyed. I wrote a post relating on how to order them correctly which I know is 100% correct and statements would be received within 14 days MAX.

Barracad- when a copy statement is ordered MANUALLY the individual ordering them puts a note on the account which specifically states whether or not the person is to be charged and is NOT an automated charge. Non receipt of any statements means the copies should be FREE.

Sorry if this sounds harsh but NW employees are making mistakes and you are thinking its a delay, a charging tactic when I know it is a bodge up on the part of one individual., the keyer.

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Today I received 4 years of statements and have been told I will receive the other 2 years later this week, so I will be going through them tomorrow to see how much I have been donating to NatWest.

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Am I right in assuming that I should send my letter asking for my charges back to this address.

Stuart Higley

Customer Relations

Ground Floor

National Westminster House

225 Shenley Road

Borehamwood

WD6 1TE

Thanks all

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I have been working my way through the statements and I just need to confirm that I can claim for Referral Charges.

Also at the end of some months I have Charges for £38 and £40 it doesnt state what they are for, but I think it includes the monthly fee for the Advantage Gold account so can I claim the rest back.

Thanks for your help couldnt even start to do this without the support of this site.

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Yes you can claim for referral charges and yes that £38 will be a charge of £28 and £10 AdGld fee. They don't split it up, how very convienient for them!

Forgive me for querying this statement as I am not certain it is entirely correct.

 

For every DD unpaid they charge £38.00 - whether or not you have an Adv Gold Acct

 

For an Adv Gold acct they then additionally charge £10.00 at month end

CHG 'Date...... A/C Number..............

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