Jump to content


  • Tweets

  • Posts

    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
    • Because of the tsunami of cases we are having for this scam site, over the weekend I had a look at MET cases we have here stretching back to June 2014.  Yes, ten years. MET have not once had the guts to put a case in front of a judge. In about 5% of cases they have issued court papers in the hope that the motorist will be terrified of going to court and will give in.  However, when the motorist defended, it was MET who bottled it.  Every time.
  • Our picks

    • 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
        • Like

rrfcfan vs RBOS *** WON ***


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5519 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Since they have admitted that they have calculations that support their charges you should request the court to issue an order for them to produce said calculations.That'll sort them out :D

 

 

Link to post
Share on other sites

  • Replies 50
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Since they have admitted that they have calculations that support their charges you should request the court to issue an order for them to produce said calculations.
You can do this by submitting an incidental application to the court.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

Is it worth sending an incidental application to ask for a breakdown of the 'genuine estimate of the loss suffered by the Defender' ?

 

Will that not hold up the case, considering the Banks representative is to attend court in one week?

 

BTW, should I be sending a copy of the Banks T&Cs and copy of my bank statements to the Defence?

Link to post
Share on other sites

Is this a full hearing or directions ? How long has been allocated ?

You should have time to get it in Court for 29th and ask for it to be put before the Judge at your hearing.I would take it in person if you can do that.

Can you clarify on this Rory ?

 

You dont have to send copies of T & Cs or your bank statements to the defence-they should have copies of them.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Thanks Martin3030 for your reply. There is no preliminary hearing, full hearing on Thursday.

 

As I will doing an incidental application for Welcome anyway ( http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/117453-rrfcfan-welcome-ppi-refund-new-post.html ), no harm in submitting one for RBS. :D

 

Just 6 days to go now, I am surprised that the bank has not tried to close my current account !

 

Thanks for all your efforts guys, a small donation has been made. More to follow ! :D

Link to post
Share on other sites

I am due in court tomorrow, and still no offer of settlement.

 

Will the Defendant take it right to the wire before making an offer ?

 

It will be very interesting if they attend court and make a defence (do they have something up their sleeve)?

Link to post
Share on other sites

It's certainly been known for them to settle outside court.

 

They've submitted their defence and if they want to change it would need to apply to the court to do so. I'm not familiar with court procedures in Scotland, but I would think the court would take a dim view of them asking to change it at the hearing.

 

If they do (which I can't imagine they will) I suggest that you strongly object to it as they've had plenty of time to do it before. If the judge agrees it, then ask for an adjournment because as a litigant in person you need time to digest the new defence and prepare your case.

 

My guess though is that you're more likely to be offered some kind of settlement. I'd suggest that you stick out for full charges refund, interest, wasted costs, and removal of any defaults.

 

If they offer charges only and suggest going into court to decide the interest DO NOT ACCEPT ANYTHING. You get everything or you go into court.

 

Unless tactics have fundamentally changed since the OFT case, they're unlikely to want to go into court. If you've accepted money back for charges before court they won't have to defend that part in court, but won't mind going in to argue interest alone.

 

Stand your ground.;)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

I was really nervous in court today, I was due another hearing later with WF regarding repayment of loan.

 

I waited quite a while, there were quite a number of cases before mine was called.

 

I noticed the RBS solicitor was there ( he was now sporting a beard.) The case was called. The judge asked what I wanted to do, I replied by asking the bank to provide calculations of the 'genuine estimate of the loss suffered by the Defender' ?

 

The Sheriff asked if this was an incidental application , I replied 'that is why I am here today.' The Sheriff then just smiled.

 

The solictor when asked to speak, kept referring to the OFT case. He asked me again what I wanted to do, I replied again that I wish for a breakdown of each charge applied, to represent the true cost of the loss suffered by the defender.

 

I have to return in 4 weeks to hear the outcome.

 

So I guess that the Banks Sol will produce this ?? :rolleyes:

 

I do not know of any other cases that have gone this far.

 

Do I know sit back and wait for the cheque to arrive ?

Link to post
Share on other sites

Do I know sit back and wait for the cheque to arrive ?
I would be very suprised if you didn't receive a without prejudice offer from them in the very near future.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

WOW, all those sleepless nights over the last couple of weeks :(, all the stress :(, has now just disappeared today in the courtroom in a matter of minutes.

 

WOW !! What a great day .

 

Firstly the Incidental application submitted to the bank, to show the court the true costs of each charge. Secondly WF case to recover debt was dismissed.

 

Yes you are right postggj, the gods were smiling down on me today. :D:D

 

I have been sporting the widest grin I have had in a very long time, thanks to you Caggers here.

 

Keep up the good work !!! :D:D

Link to post
Share on other sites

They may keep you waiting a bit longer yet, but I think it's in the bag.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

  • 2 weeks later...

2 weeks until the banks to provide 'the actual loss suffered for each alleged breach of contract'.

 

Who would like to place a wee wager that the bank WILL provide this? :D

 

Will the bank wait to the next hearing date in to settle the claim. They will be adding more bank charges tomorrow.

 

Do I send another summary of charges to the defender showing the new charges or is it too late now?

Link to post
Share on other sites

They may well try and hold out longer, but I'd suggest that if they try and settle you tell them that there are now more charges and provide an updated schedule, including interest at 8%. Let them know how much per day the interest will be until the date they settle, and you may like to work out wasted costs too.;)http://www.consumeractiongroup.co.uk/resources/templates-library/48-bank-templates/143-wasted-costs-order-.html

 

If they don't want to play ball don't be afraid to return to the court, but I've a feeling it won't get that far.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

and you may like to work out wasted costs too.:wink:http://www.consumeractiongroup.co.uk...ts-order-.html
There is no such thing as a wasted costs order in Scotland.

 

Normally in small claims (which I assume this is) the costs are heavily restricted. Only in certain circumstances would you be entitled to claim expenses on the Summary Cause Scale. Examples of these circumstances are the bank having stated a defence does not proceed with it, or does not defend the action, or has not acted in good faith in defending the action, or the banks conduct has been unreasonably during the case.

 

At the end of the case, if the court makes an award of expenses, the amount to be awarded may be determined by the sheriff there and then. Alternatively the amount is calculated by the clerk of court (sheriff clerk), either at the time or on a later date.

 

If the case is continued for a hearing on expenses, the successful party will need to produce an account of their expenses and send a copy of it to the other party, before the sheriff clerk hears their claim for expenses. The account must be lodged with the sheriff clerk, and copied to the other party, at least seven days before the date of any hearing fixed to consider the question of expenses.

 

Any receipts or vouchers for expense incurred which support the claim should be attached to the account.

 

If full court expenses are allowed, the sum awarded will largely depend on the amount and nature of the work which has been done in the case.

 

After the clerk of court has calculated (assessed the amount of expenses), the account will be submitted to the sheriff for approval. If this has been done at a separate hearing for expenses, the sheriff clerk will fix a date and time for the case to call in court so that the account of expenses can be approved by the sheriff.

 

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

There is no such thing as a wasted costs order in Scotland.

 

Normally in small claims (which I assume this is) the costs are heavily restricted. Only in certain circumstances would you be entitled to claim expenses on the Summary Cause Scale. Examples of these circumstances are the bank having stated a defence does not proceed with it, or does not defend the action, or has not acted in good faith in defending the action, or the banks conduct has been unreasonably during the case.

 

At the end of the case, if the court makes an award of expenses, the amount to be awarded may be determined by the sheriff there and then. Alternatively the amount is calculated by the clerk of court (sheriff clerk), either at the time or on a later date.

 

If the case is continued for a hearing on expenses, the successful party will need to produce an account of their expenses and send a copy of it to the other party, before the sheriff clerk hears their claim for expenses. The account must be lodged with the sheriff clerk, and copied to the other party, at least seven days before the date of any hearing fixed to consider the question of expenses.

 

Any receipts or vouchers for expense incurred which support the claim should be attached to the account.

 

If full court expenses are allowed, the sum awarded will largely depend on the amount and nature of the work which has been done in the case.

 

After the clerk of court has calculated (assessed the amount of expenses), the account will be submitted to the sheriff for approval. If this has been done at a separate hearing for expenses, the sheriff clerk will fix a date and time for the case to call in court so that the account of expenses can be approved by the sheriff.

 

 

Terminology may be different in Scotland Rory, but normally costs are not awarded in small claims cases in England either except in similar type circumstances. If the bank decide not to defend themselves at the next hearing I would argue that they have stated a defence, and not proceeded with it, and indeed that they never intended to proceed with it. The OP could suggest to RBS that they may prefer to agree the costs, provided a detailed schedule, without wasting still more of everyone's time, including the courts.

 

Thank you for the additional information which I'm sure will help the OP decide how they want to play this.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

Terminology may be different in Scotland Rory, but normally costs are not awarded in small claims cases in England either except in similar type circumstances.
Costs are usually awarded in small claims in Scotland and the level of the costs that will be awarded are very clearly defined depending on the amount of the claim.

 

I'm afraid you fail to grasp that not only is terminology different, but procedure is too. The sheriff can only award expenses once a decree has been pronounced.

 

I am very aware of the English legal system so please don't attempt to patronise me.

 

If the bank decide not to defend themselves at the next hearing I would argue that they have stated a defence, and not proceeded with it
Would you know how to argue this?

 

Unless the party has not implemented an order of the court the sheriff may, after giving him an opportunity to be heard, grant decree by default. You will note the word may. Also if they have attempted to settle before the implementation of the order the court has made then the bank do not really fall into the category you have described.

 

The OP could suggest to RBS that they may prefer to agree the costs, provided a detailed schedule, without wasting still more of everyone's time, including the courts.

 

Are you also aware of how the judiciary in Scotland tends to react to such claims by a party litigant? Unless the costs claimed in such negotiations were in line with the costs available through the small claims route (and not the summary cause route) you would be endangering your whole claim and your case may be thrown out.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

The judge asked what I wanted to do, I replied by asking the bank to provide calculations of the 'genuine estimate of the loss suffered by the Defender' ?

 

The Sheriff asked if this was an incidental application , I replied 'that is why I am here today.' The Sheriff then just smiled.

 

The solictor when asked to speak, kept referring to the OFT case. He asked me again what I wanted to do, I replied again that I wish for a breakdown of each charge applied, to represent the true cost of the loss suffered by the defender.

 

I have to return in 4 weeks to hear the outcome.

 

If the incidental application rrfcfan is granted I somehow doubt that RBS will want to comply, which puts him in a very strong bargaining position. I would not for one moment suggest he ask for any more than he might legitimately be entitled to or risk the claim by doing so. Nor do I think it likely that RBS would offer anything other than a goodwill gesture or ex gratia payment, which co-incidentally may be in line with the amount of the claim.

 

As you yourself have said, if it was necessary to go to court for this he MAY be granted them. If he doesn't ask, he most certainly won't get them, but if costs can be legitimately claimed without risk to the claim then I fail to see the harm in doing so.

 

It is up to rrfcfan to decide if he's happy to accept the amount of his claim to date, or would like some small recompense for the time, effort and expense he's been put to, obviously without jeopardising the claim.

 

I don't know why you think I was trying to patronise you, but please feel free to use the complaints procedure if you wish. My intention was merely to inform the OP of options he may like to consider.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

  • 4 weeks later...

Whoo hoo, RBS have paid in full, plus £60 wasted costs, plus additional bank charges added since the litigation started plus judicial interest at 8%.

 

Talk about leaving it to the last minute, received payment in the morning prior to the hearing.

 

Thanks again guys, keep up the good work.

 

On a side note, is there a way of asking the courts to set aside a proof diet prior to the first hearing to establish the 'true costs of each bank charge'. Is it simply a case of adding it to the particulars of claim?

 

:D

Link to post
Share on other sites

Well done :)

 

On a side note, is there a way of asking the courts to set aside a proof diet prior to the first hearing to establish the 'true costs of each bank charge'. Is it simply a case of adding it to the particulars of claim?
No. There needs to be an proof hearing. The only thing you could do is present an incidental application to the sheriff clerk before the hearing requesting this information from the bank.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

Fantastic news rrfcfan.

 

Don't forget to complete the survey on the front page. If you can manage it, a donation would be greatly appreciated too.;-)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

  • 2 weeks later...
Whoo hoo, RBS have paid in full, plus £60 wasted costs, plus additional bank charges added since the litigation started plus judicial interest at 8%.
Just came across this as researching something else.

 

Congrats and can you clarify this? They paid wasted costs? In Scotland? Excellent.

 

Well done Caro for keeping the true spirit of CAG alive: Who dares wins. ;-)

Link to post
Share on other sites

Congrats and can you clarify this? They paid wasted costs? In Scotland?
Nope. Simply costs in line with a small claim in Scotland.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...