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    • 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.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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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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Hi Sammy:)

 

Not sure really, other than when I was filling out my AQ I was advised by another member that courts could be a bit lenient over the filing date and to get it in a little late would possibly be overlooked - not sure of the truth of this though. I just thought that knowing my luck the bank would be allowed extra time:(

 

Regards,

 

Landy x

 

Don't be lulled into a false sense of security. as despite what the untrained court staff say if you don't keep to the letter of the schedule your opponents WILL try to get your claim struck out & each time your required to argue your case it'll cost you more money. ........... One of their intentions is to wear you down so that you give up IF they are given latitude by the court (as they so often are) argue that your case will be prejudiced in that you would not have been granted the same amount of latitude by the court

 

You respectively ask that their case or defence be struck out

Edited by JonCris
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BBC Radio 4

 

BBC - BBC Radio 4 Programmes - Money Box

 

You can listen to it on iplayer

 

Els

 

....and did we not hear AK in dismissive/damage limitation/interviewer go away/how lucky are you to have me speaking to you, mode. I wonder if she took lessons from Margaret Thatcher listening to her. I have to say this is a person whose voice alone is annoying.

... worth listening to the Ryanair article that follows. :eek:

 

Michael

When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)

--I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--

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Don't be lulled into a false sense of security. as despite what the untrained court staff say if you don't keep to the letter of the schedule your opponents WILL try to get your claim struck out & each time your required to argue your case it'll cost you more money. ........... One of their intentions is to wear you down so that you give up IF they are given latitude by the court (as they so often are) argue that your case will be prejudiced in that you would not have been granted the same amount of latitude by the court

 

You respectively ask that their case or defence be struck out

 

Thank you JonCris, your advice is most appreciated;)

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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....and did we not hear AK in dismissive/damage limitation/interviewer go away/how lucky are you to have me speaking to you, mode. I wonder if she took lessons from Margaret Thatcher listening to her. I have to say this is a person whose voice alone is annoying.

 

 

Michael

 

I can't watch her on screen any more. The risk of damage to our TV or my laptop is too great! You get more truth watching CBeebies.

 

Els

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I think paul Lewis the presenter nearly said B****cks after she had spoken....ie moneybollocks...made me smile today(wrong thread that last comment).

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Interesting in-house article by Raymond Cox QC, Fountain Court...

 

Read here:

 

http://www.fountaincourt.co.uk/uploads/publications/Banking%20and%20Payment%20RC%20QC.pdf

 

...specifically the Par. entitled 'Problems that have arisen in the past' in relation to bank charges...

---Aut viam inveniam aut faciam---

 

***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

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GOD!!!!! the suspense is killing me.......WHAT DID SHE SAY PLEASE :D

 

 

Scroll to post #3721

When you get to the Beeb link it's the 28th November one.

 

Michael

When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)

--I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--

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Yeah, I heard him say "Moneyb*ll*cks", too!

 

Not heard that one before. It must be a special BBC word, but a Freudian slip if ever there was one.

 

Laughed out loud and nearly fell off my perch. :D

 

(After talking to Angela who can blame him!)

 

 

FAO the Mods- b*ll*cks is not a swear word.

 

Sir John Mortimer QC proved this in the High Court in 1978.

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I think srfrench is either deaf or has no sound on their PC.

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

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I can't watch her on screen any more. The risk of damage to our TV or my laptop is too great! You get more truth watching CBeebies.

 

Els

 

Pmsl

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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Cheers IS but you see I am deaf so nothing short of line of sight lip-reading , subtitles or transcripts only or I'm buggered 8¬)

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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Isn't Angela Knight a chemist by education?

 

:D

---Aut viam inveniam aut faciam---

 

***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

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Well I've had time to calm down and to look at the judgment. I've also read a number of fantastic comments among the many posts. My take on this is that the court claim was a 'put up' job from day 1 - and actually the only judge who has stood out for the consumer is Lord Philips in the Supreme Court! And I wouldn't have said that on Wednesday!

Consider the time lines.

1. From 2005/06, more and more claims against the banks for overdraft charges. Banks claim it is not economic the defend any one claim, so refund charges at last minute to avoid any case going against them.

2. On one Thursday evening in July 2007, press announcement that the OFT is to challenge the banks. Court proceedings start next morning and FSA issue waiver and FOS puts complaints on hold at same time.

3. The banks start to report six monthly financial accounts from following Monday. Within three days, accounts show that collectively banks have paid out £1 BILLION in claims. The argument that it is not economic to defend is shot to pieces.

4. The only organisation to receive the financial accounts of ALL the banks prior to publications is the FSA. They arranged the deal between the banks, the OFT and FOS, no doubt with the active encouragement of the government.

5. County courts start to stay any claims that are on going even though no official stay issued by the Maser of the Rolls.

6. Court case winds on for 2 and a half years as many predicted during which time banks can charge fees and ‘save up to refund charges’ if they loose.

7. OFT don’t even bring the ‘common law’ argument in the High Court, so it gets thrown out.

8. Court of Appeal agrees that OFT does have the right but banks appeal to HOL (Supreme Court on very narrow technicality.

9. Supreme Court judgment points out that only asked by OFT & Banks to rule on one narrow area and that the OFT had the case on the wrong regulation and should have used Regulation 5, so why didn’t everyone use that as there is no defence for the banks.

10. Banks, OFT, FSA, FOS get draft judgment early and have a week to get there spin machines up and running for Wednesday. RESULT, media and the great British public fall for it all, hook line and sinker.

My conclusion is that this was a carve up job initiated by the Treasury and orchestrated by the FSA. As we saw last year, the banks think they are above the law ad that they can get away with anything.

I’ve also just listened to the Moneybox interview with the bankers’ mouthpiece, dear Angela. And just like the ex-Tory politician and ex-Treasury minister that she is, she avoided the question about Regulation 5. The banks know they are stuffed with the Supreme Court itself hinting that Regulation 5 is the way, hence Lloyds trying to get all cases struck out when the official line from the BBA is that ‘we will work with the FSA’. It is clear that this isn’t the end, despite the banks hoping it was.

  • Haha 1

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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Cheers IS but you see I am deaf so nothing short of line of sight lip-reading , subtitles or transcripts only or I'm buggered 8¬)

 

 

Ahh, my apologies - They seem only be upto 20th November with their transcripts. This link might be useful for checking when it's updated:

BBC News - Programme archive

 

Michael

When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)

--I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--

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where can i see it? :confused:

 

Hi srf.

 

You can read a transcript on the Moneybox page a few days after the broadcast. Scroll down until you see 'Where can I find programme transcripts?'

 

BBC NEWS | Programmes | Moneybox | FAQs

 

Els

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IS beat me to it.
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