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    • Excellent news! Thread title updated. Please do consider a donation in light of the help received here. The help we give is free, but try telling that to our server hosts!
    • Hello dx100uk, After months of waiting for a response I finally got a reply and I must say it was the worst 4 months of my life the - fear of the unknown. So, they wrote back and said I was in the wrong BUT on this occasion they  would not take action but keep me on file for the next 12 months. It. was the biggest relief of my life a massive weight lifted -  I would like to thank you and the team for all your support
    • I have contacted the sofa shop who are sending someone out tomorrow to inspect the furniture. I suspect if anything a replacement will be offered although I would prefer a refund. Few photos of the wear in the material, this is how it was delivered.  
    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
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      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.  

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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.

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      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
        • Like

Elsinore v LTSB and............***WOOOOOO OON*** WON


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  • 3 weeks later...

Good stuff Els :D

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Claim issued today for £3563.20

 

Elsinore:D

 

Nice one... keep up the good fight!!

 

 

 

Lloyds TSB Progess

 

first letter sent 10th June

Received reply 20th June

Second letter sent 30th June

Revieved final response 7th July

Filled in claim on line 30/07/06

Recieved Acknowledgment of service 4th August

Defence submitted 6th September

Allocation Questionnaire due back 20th Sept

Sent my Allocation Questionnaire back 10th Sept

Got there copy of Allication Questionaire 23rd Sept

Court date set for 25th Jan '07

 

 

 

Paragon Finance Progress

Sent first letter 24th August 2006

No reply so second letter sent 10th Sept 2006

Received letter back saying they are going to investigate my claim

Offer made by Paragon for full ammount plus interst! Rusult!!!

Cheque recieved *Won*

 

 

 

Any thing I write on this site is only an oppinion as I am not a solicitor or legal whizz!

 

 

 

 

 

 

 

 

 

 

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Claim issued today for £3563.20

 

Elsinore:D

 

For what it's worth, I received a conditional part offer just before the Allocation Questionnaires were due to be returned, about 5-6 weeks after filing my claim.

 

Keep plodding Elsinore, we are all with you.

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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  • 2 weeks later...

keep up the good work Elsinore..we all need the encouragement eh ?

these stays are a pain, typical stalling tactics, you'd think that the courts were wise to them now !

x

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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Just out of curiosity jadest - why do you capitalise every word?

 

 

I don't know what you mean reload

 

 

 

Lloyds TSB Progess

 

first letter sent 10th June

Received reply 20th June

Second letter sent 30th June

Revieved final response 7th July

Filled in claim on line 30/07/06

Recieved Acknowledgment of service 4th August

Defence submitted 6th September

Allocation Questionnaire due back 20th Sept

Sent my Allocation Questionnaire back 10th Sept

Got there copy of Allication Questionaire 23rd Sept

Court date set for 25th Jan '07

 

 

 

Paragon Finance Progress

Sent first letter 24th August 2006

No reply so second letter sent 10th Sept 2006

Received letter back saying they are going to investigate my claim

Offer made by Paragon for full ammount plus interst! Rusult!!!

Cheque recieved *Won*

 

 

 

Any thing I write on this site is only an oppinion as I am not a solicitor or legal whizz!

 

 

 

 

 

 

 

 

 

 

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I think he was referring to your post 20 on this thread!

 

Elsinore

 

Lol I was not aware I had even done that... Not sure why I did it either.

Jules x

 

 

 

Lloyds TSB Progess

 

first letter sent 10th June

Received reply 20th June

Second letter sent 30th June

Revieved final response 7th July

Filled in claim on line 30/07/06

Recieved Acknowledgment of service 4th August

Defence submitted 6th September

Allocation Questionnaire due back 20th Sept

Sent my Allocation Questionnaire back 10th Sept

Got there copy of Allication Questionaire 23rd Sept

Court date set for 25th Jan '07

 

 

 

Paragon Finance Progress

Sent first letter 24th August 2006

No reply so second letter sent 10th Sept 2006

Received letter back saying they are going to investigate my claim

Offer made by Paragon for full ammount plus interst! Rusult!!!

Cheque recieved *Won*

 

 

 

Any thing I write on this site is only an oppinion as I am not a solicitor or legal whizz!

 

 

 

 

 

 

 

 

 

 

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I've seen other posts composed in this way jadest, so don't beat yourself up over it

I wonder if there's a feature on our PCs which enables it?

I'm not very computer literate, so I wouldn't know where to look!:(

 

Elsinore

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"Claim acknowledged 13th October (by return it would seem!). SC&M acting"

 

yeh...acting like silly buggers................and how !

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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Thanks nic, but I'm very patient.:)

 

Even so, I'm sending this today:-

 

Sechiari Clark & Mitchell

Department SO

P O Box 499

Lower Ground Floor

1-5 Queens Road Quadrant

Brighton BN1 3XJ

 

25th October 2006

 

Dear Sir,

 

Re:-Claim No XXXXXXXXXXX

Your Ref XXXXXXXXXX

 

XXXXXXXXX County Court has today notified me of your acknowledgement of my claim. We are at this stage because your clients, Lloyds TSB Bank plc (LTSB), have so far refused to negotiate a settlement. Your acknowledgement indicates that LTSB will enter a defence to my claim.

 

I have learned that in other recent cases, LTSB have expressed a willingness to negotiate a settlement, but only at the Allocation Questionnaire (AQ) stage and only by requesting a stay in proceedings of one month.

 

I presume that LTSB’s change of heart, in being willing to negotiate settlements, will not be selective and will apply to me as much as it applies to others. That being the case, I see no reason for either of us to wait around for the AQ stage, which could be many weeks in the future. Such delay would only involve Her Majesty’s Courts Service in unwanted expensive administration and your clients in further costs and fees which I am certain you would wish them to avoid.

 

I look forward to receiving a letter from you soon, outlining your client’s offer of settlement.

 

Yours faithfully

 

Elsinore

 

Copy to XXXXXXXX County Court

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Good luck with that... I have had AQ back for 6 weeks they ask for one month to settle... I have wrote 3 times and called 4 times they still state that they are awaiting instruction from lloyds. The court played into there hands and set the court date for Jan 25th but the asked for my evidence bungle so I sent copies of my evidence to court and to SC&M Monday specail delivery. SC&M have send that they settle iin order of court dates so looks like no money for me despite the on going fight starting in June.

Hope you have better look than I have had.... But if I was you I would be prepared for long wait.

 

 

 

Lloyds TSB Progess

 

first letter sent 10th June

Received reply 20th June

Second letter sent 30th June

Revieved final response 7th July

Filled in claim on line 30/07/06

Recieved Acknowledgment of service 4th August

Defence submitted 6th September

Allocation Questionnaire due back 20th Sept

Sent my Allocation Questionnaire back 10th Sept

Got there copy of Allication Questionaire 23rd Sept

Court date set for 25th Jan '07

 

 

 

Paragon Finance Progress

Sent first letter 24th August 2006

No reply so second letter sent 10th Sept 2006

Received letter back saying they are going to investigate my claim

Offer made by Paragon for full ammount plus interst! Rusult!!!

Cheque recieved *Won*

 

 

 

Any thing I write on this site is only an oppinion as I am not a solicitor or legal whizz!

 

 

 

 

 

 

 

 

 

 

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I’m happy to wait for as long as it takes Jadest.

 

I expect SC&M to take not the slightest bit of notice of my letter. The point is to ensure that there is a copy of that letter on file at the court. The judge will see, from the outset, that SC&M are being invited to negotiate a settlement. In a fortnight or so, assuming I’ve heard nothing, I’ll write again, copy to the court. And again, if necessary. That way, when we are both required to submit our AQs, my hope is that the judge will be disinclined to award SC&M any more time to negotiate, should they request it. If they do request a stay I will be in a better position to object to it.

 

It might not work, but it’s worth a try.

 

Also, it’s all ammunition if we want to expose LTSB and their lackeys, for their despicable tactics, to a higher authority.;)

 

For now, I'm looking forward to hearing about your success!:)

 

Elsinore

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as ever your letter is brilliant, you have such a great choice of words and expression.....

 

I've been respectful and polite to them and Mr. Thomas but lately I feel like telling them to go [edit] themselves..to coin a phrase........

of course I won't.........

they get me so wound up with all this stalling and uncertainty of dates of posting etc.................

 

Your letter might just work as it's a new angle for them and they'll be caught short !

good luck x

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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as ever your letter is brilliant, you have such a great choice of words and expression.....

 

I've been respectful and polite to them and Mr. Thomas but lately I feel like telling them to go
[edit]
themselves..to coin a phrase........

of course I won't.........

they get me so wound up with all this stalling and uncertainty of dates of posting etc.................

 

Your letter might just work as it's a new angle for them and they'll be caught short !

good luck x

 

I know the feeling... I am feeling much the same... I want to go sit in there office and not move till Lloyds give them there damn instructions and they deal with it... Of course I will not do that.

 

Jules x

 

 

 

Lloyds TSB Progess

 

first letter sent 10th June

Received reply 20th June

Second letter sent 30th June

Revieved final response 7th July

Filled in claim on line 30/07/06

Recieved Acknowledgment of service 4th August

Defence submitted 6th September

Allocation Questionnaire due back 20th Sept

Sent my Allocation Questionnaire back 10th Sept

Got there copy of Allication Questionaire 23rd Sept

Court date set for 25th Jan '07

 

 

 

Paragon Finance Progress

Sent first letter 24th August 2006

No reply so second letter sent 10th Sept 2006

Received letter back saying they are going to investigate my claim

Offer made by Paragon for full ammount plus interst! Rusult!!!

Cheque recieved *Won*

 

 

 

Any thing I write on this site is only an oppinion as I am not a solicitor or legal whizz!

 

 

 

 

 

 

 

 

 

 

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I know the feeling... I am feeling much the same... I want to go sit in there office and not move till Lloyds give them there damn instructions and they deal with it... Of course I will not do that.

 

Jules x

 

 

Not a bad idea, though. Walk up and down outside their offices with a big placard and a bullhorn. Make sure you inform the press. Should embarrass them at least. Anyone living near Brighton up for it?:D

 

Elsinore

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I wish I'd had the cash spare when the kids were off last week, I'd have willingly taken myself and the girls into their offices and let the girls tell them what it was like each week when Mum cried through having no money , or last Christmas when we were skint on Christmas Eve...you know the "real life" stuff that they don't take in to account when they're behaving like -ricks.....

A week in Brighton would have done us the world of good and satisfied my need to land one on Sechiari too.

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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  • 2 weeks later...

Sending this one today:-

 

Sechiari Clark & Mitchell

Department SO

P O Box 499

Lower Ground Floor

1-5 Queens Road Quadrant

Brighton BN1 3XJ

 

8th November 2006

 

Dear Sir,

 

Re:-Claim No XXXXXX

Your Ref XXXXXXXXX

 

Two weeks ago I wrote to you suggesting that it would be a good idea to engage in negotiations to resolve the dispute which gave rise to the above claim.

 

Needless to say I am very disappointed to have heard nothing from you. I had hoped that your clients Lloyds TSB would have been anxious to avoid onerous and expensive litigation.

 

It seems strange that your clients only choose to make offers of settlement after the addition of large amounts of costs and statutory interest and the prospect of imminent court appearances. One wonders what your client’s shareholders make of this profligate approach to banking.

 

You may, of course, have already sent me an offer which has, perhaps, crossed with this letter. If you have, please excuse my reminder. If not, then I am sure that it is an error of omission, rather than an error of commission and I look forward to hearing from you soon.

 

Yours faithfully

Els

 

Copy to H.M.Courts Service – Wigan County Court

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Hi Els,

great letter..especially the phrase about "a matter of omission and not comission..".

I am at a similar stage..SC&M asked for a stay of one month from the 10th October to negotiate a settlement but to dat they have made no attempt to contact me.

So i will be sending off my fisrt letter to them today, copy to Birmingham county court as well

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