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    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
    • Women-only co-working spaces are part of the new hybrid working landscape, but they divide opinion.View the full article
    • The music streaming service reports record profits of over €1bn (£860m) after laying off 1500 staff.View the full article
    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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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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H.O.L Test case appeal. Judgement Declared. ***See Announcements***


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How come the templates here are based on Regulation 5 and the OFT lawyers did not even take the point, not even in the alternative.

 

I understand it is easy to blame the lawyers if we are unsuccessful, but the OFT lawyers for missing this must be monkeys.

If I have been helpful please click on my star and add a comment.

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hang on that crap that lloyds have put on their website simply says that the charges cannot be assesed for fairness, if the contract was never negotiated then the contract in its whole would be deemed unfair therefore all terms within would be seen as unfair.

 

 

Just a question with regards to the misleading info that the banks are placing on their websites, with rgards to the test case outcome.... could this be challenged under the Advertising standards Authority.... ie giving out misleading info ?.

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This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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well lloyds have said that the court has agreed that under utccr we are unable to claim our charges back , this is crap because the case was lost on an argument that conflicts with other clauses within utccr so the oft were always doomed-simple as however under other utccr regs there are clauses that would allow us to mount a challenge, im sure they are not silly enough to think that its over, however under advertising law i doubt this would be classed as advertising

Edited by robnfc
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Can this Country get any worse!!!

 

Somebody needs to get some Balls and deal with these so called banks!!!

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well the case doesnt really change things alot , basically we can no longer use the oft as they cannot rule on the "fairness" and we cannot claim back charges using the utccr argument that they are penalties as the court ruled they are classed as a service and therefore not open to challenge.

 

So we use a different utccr reg ie 5 and 8 read this:

 

 

 

The Consumer Forums - Announcements in Forum : OFT Test Case Updates and Discussion

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Yes As I understand it the only ruling made by the so called Supreme court is that the OFT do not have the power to investigate bank charges in terms of fairness. This does not mean that they are lawfull, indeed they still fall fowl of UTCCR, and common law states penalty charges in contratcs are not allowed, only a recovery of real expenses .

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the court has ruled that these are not classed as penalties they are classed as a service which we pay for therefore can not be challenged under the fairness rule hence reg 5 and 8 now being used for POC , as for credit cards this wont make any difference as this case has no bearing on credit cards

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OK,

Ive not got a claim in court (Im in Scotland) but my claim resides with RBS who have kindly posted this announcement on their website:

 

 

Summary

On 25 November 2009 the Supreme Court ruled that the level of unarranged overdraft charges in personal current accounts cannot be assessed for fairness under the Unfair Terms in Consumer Contracts Regulations 1999 (UTCCR). The Court decided that current account customers receive a package of services and unarranged overdraft charges are part of the price paid by customers in exchange for that package.

 

The judgment focused on the banks’ current terms but the banks and the OFT have agreed that the judgment should apply also to historic terms.

 

Earlier hearings established none of RBS’s terms was capable of constituting a penalty clause.

 

RBS and the other banks involved in the test case are currently in discussions with the FSA and the Office of Fair Trading (‘OFT’) as to whether, following the Supreme Court judgment, there remain any outstanding issues requiring resolution.

 

We will publish further information here as soon as we receive it.

 

Test Case Background

On 27 July 2007 the Office of Fair Trading (‘OFT’), seven UK banks, including RBS, and one building society (‘the Banks’) started a court case to resolve certain issues regarding the fairness and legality of unarranged overdraft charges. This has become known as the ‘test case’. This is a complex area of law on which there is limited guidance; it is therefore important for the issues to be properly and fully examined. The Banks believe that the charges are both lawful and fair and that the Unfair Terms in Consumer Contracts Regulations 1999 (‘UTCCR’) do not apply to these types of charges.

 

The first phase of the test case was heard in January and February 2008 in the High Court in London, with judgment being issued in April 2008.

 

In summary:

 

The Court decided that the current charges are not penalties.

The Judge also found that the Banks' current terms are sufficiently clear to enable the typical consumer to have a proper understanding of them for sensible and practical purposes.

The Judge found that the terms and conditions relating to unarranged overdraft charges are assessable for fairness under the UTCCR. However, the Judge was explicit in stating that this does not mean they are unfair; he was not asked to rule on whether the Banks' terms were fair.

The Banks appealed the decision that unarranged overdraft fees are assessable for fairness under the UTCCR. The appeal hearing took place in the autumn of 2008. The Court of Appeal handed down its judgment in February 2009 reaching the same decision as the High Court, although for slightly different reasons. The Banks applied for and received permission to appeal this decision to the House of Lords (now called Supreme Court). This hearing concluded on 25 June 2009 and the judgment of the Supreme Court was handed down on 25 November 2009.

 

A short hearing took place in July 2008 to consider whether terms and conditions previously used by the Banks were capable of being penalties and in October 2008, the High Court issued its judgment in relation to this part of the test case. The Court invited RBS to make further submissions in relation to some of the terms and conditions previously used by it. Following a further hearing in December 2008, the Court issued its decision in January 2009. It found that all RBS terms considered were incapable of being a penalty.

 

All judgments in the test case are available via Judgments - Abbey National - Office of Fair Trading.

 

1. What will happen to customer complaints about unarranged overdraft charges?

RBS and the other banks involved in the test case are currently in discussions with the regulators to ensure that the outstanding customer complaints are brought to a swift conclusion. Once these matters have been finalised we will write to all affected customers to advise them of how we will resolve their complaint

 

2. What will happen to my court claim for a refund now?

Most county court cases have now been stayed, i.e. the county courts have decided that no further action should be taken in respect of them at this stage, while the test case proceeds. These stays have been put in place because the test case will give important guidance to the county courts as to how they should approach individual consumer cases as a matter of legal principle. It is important that all county courts adopt similar approaches to ensure fairness between claimants.

 

3. What will happen to customer complaints made through the Financial Ombudsman Service in the meantime?

We are currently in discussion with the regulators to ensure that customers are dealt with on a consistent basis in line with the judgment from the Supreme Court. For further information and updates please check the FOS website - Financial Ombudsman Service

 

4. What will happen next in the test case?

As the Supreme Court has found that RBS’s unarranged overdraft charges cannot be assessed for fairness under the UTCCR the test case proceedings are now concluded. RBS and the other banks involved in the test case are currently in discussions with the regulators to ensure that any outstanding matters are brought to a swift conclusion.

 

5. How long will it take until customer cases are finally resolved?

At this stage, it is impossible to say. The Banks are working closely with the regulators to understand how we can most appropriately and swiftly apply the Court’s decision to individual customer cases.

 

6. I am in financial difficulty - what can I do?

If you have financial problems, come and talk to us, and we will try to help you solve them. Depending on your circumstances, we could set regular or fixed repayments for debts, or we could reduce or suspend your repayments for a certain period.

 

If you have a more serious debt problem, we will work with you and put you in touch with organisations that offer help and advice to sort out your repayments and overcome your difficulties.

 

If you feel you need independent financial advice, we will be happy to direct you to someone, or to work with your chosen adviser.

 

The sooner you come to us, the more likely it is that we will be able to help.

 

7. Where can I find out more?

We will update this page with any developments in the proceedings.

 

You can contact us by calling on 0845 3030 442. Lines are open 9.00am-5.00pm Monday to Friday or 9.00am-1.00pm Saturday.

 

Alternatively you can find out more at the following websites:

 

The Financial Services Authority

The Office of Fair Trading

The Financial Ombudsman Service

Judiciary website

BBA press release

 

Can i take it that they will probably send me a letter telling me Im getting nothing?.

If so, Can I claim by other means either in court or FOS bearing in mind Im in Scotland?

 

Thanks for any advice

27th April - Requested Statements

13th May - Received Statements:D

15th May - Preliminary request for £4780 sent.:D

16th May - Royal Mail confirm Letter received.:D

23rd May - Received Letter considering claim. :grin:

30th May - Letter Before Action sent. :D

10th July - Times Up!! FOS claim going in.

16th July - Measly 30% of claim offered as goodwill

17th July - Rejected offer letter sent

25th July - Acknowledgement of Reject Letter received

26th July - Screwed over by the OFT,Banks, FSA & FOS all in one go.:evil:

Never even felt it happen.

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the court has ruled that these are not classed as penalties they are classed as a service which we pay for therefore can not be challenged under the fairness rule hence reg 5 and 8 now being used for POC , as for credit cards this wont make any difference as this case has no bearing on credit cards

Credit Cards charges have always been unlawful and never argued to be fair

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See this post from the Mods I think all who have claims nbeed to amend their POCS without delay and all who have not claimed claim now

Quote:

The POC's have now been amended.

 

http://www.consumerforums.com/resour...-now-available

I have just been told that the existing POC's will stand up, the changes are only minor and wont effect your claim.

Lex

Please help us to help you. Download the CAG tool bar for free

HERE and use the search option for all your searches. CAG earns a few pennies every time !!!

 

Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Ok this sounds great actually.

 

Dose this mean cases wont be stayed now?:)

Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (edited for bookworm god bless her sole) Deep Peace be with you.

 

“I would say to the House as I said to those who have joined this government: I have

nothing to offer but blood, toil, tears and sweat. We have before us an ordeal of the

most grievous kind. We have before us many, many long months of struggle and of

suffering.

 

You ask, what is our aim? I can answer in one word: Victory. Victory at all costs —

Victory in spite of all terror — Victory, however long and hard the road may be, for

without victory there is no survival.”

 

(Winston Churchill Addressing the House of commons.)

 

All complaints go to the lootube. All conversations go in the white box then you click submit.

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according to the fsa all stays should be lifted as the case is over

 

Careful. The only thing that's been lifted is the waiver enabling banks to not deal with complaints. Claims are stayed in the courts and as I understand it they won't be automatically lifted. The Announcements section includes a template letter that each claimant should submit asking for their stay to be lifted.

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