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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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Yorkshire Bank Taking Money Fron Benefits


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Hi ,everyone,I hope someone can advise me .My partner and I are recieving chlid and working tax credit and child benefit .Over the past 5 years yorkshire bank have charged us just under £2000 in returned dds fees.The FOS have my complaint on file and like everyone else my case is on hold.But we are really struggling financially.my partner was ill for awhile and we got really behind with the mortgage and nearly lost our home ,we we are still heavily in arrears and have a reppo order hanging over us .We are behind with all the other bills also.Yorkshire bank still keep on charging though ,they took £140 in the last month alone ,and that wasn,t even our fault,our house insurance tried to take money out 3 times without informing us.as we are on benefits can we claim under the hardship rules or should we just demand our money back under the social security act 2002.any help greatly appriciated .thanks.angnnig

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Was going to suggest this but was unsure whether they meant their benefits were being paid into Yorkshire Bank or not? Is that what you mean ang ... or that the bank is charging you whilst being on benefits when there is legislation about charging fees whilst someone is on benefit? Which you do go onto mention. If not, disregard.

 

But, yes, as 42man says - just need to phone DWP to get them to transfer it to a new account. You mention a complaint to the FOS ... very lacking of them not to even suggest you change banks under the circumstances. If that is the case.

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Thanks guys for your fast replys ,I should have changed banks ages ago,I definatly am now .All my benefits are paid into Yorkshire bank ,,ive even tried arguing on the phone to them saying ,what thier doing is illegal but they dont listen and refuse to talk to me.Is thier anyway i can claim under the hardship rules, and can anyone suggest any template letters to do this ,thanks ,regards angnnig

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Thanks for you reply Grumpy,Iv,e just looked at the social security act letter and I tempted to send that to Yorkshire bank,has anyone ever sucseeded in getting thier money back with this letter.If YB refuse do i take my case to the office of fair trading.Can they make YB pay me the money they owe me .any help appriciated thankyou .

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Hi Ang.

I tried the link above and it only took me as far as the main menu.

The following link will take you to the letter itself.......

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/42170-right-appropriation-stop-bank.html

 

[quote name=42man

I would change bank accounts immediately.....and get the benefits paid in to the new account ASAP....this is completely unreasonable of the Yorkshire Bank to do this.....

]

 

You need too open a parachute account A.S.A.P.

Arrange to have all your benefits etc paid into the new account.

Transfer all standing orders and direct debits to the new account.

Your money will then be out of Yorkshire Bank's reach.

This thread will give you some info on parachute accounts......

 

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/58685-do-you-need-parachute.html

 

Regards, Rooster.

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Thanks for your advice Rooster,can you advise of any banks that dont charge for returned direct debits.thanks.regards angnnig

Only two....

 

The Blood Bank and the Monopoly bank.:lol:

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Only two....

 

The Blood Bank and the Monopoly bank.:lol:

 

LMFAO :D

 

Ang, I found that Natwest Step account was very easy to open, you get to set up D/D's (There will always be a charge if you bounce these) and a solo card for online transactions

 

NatWest - Find the best current account for you

 

Jogs

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Ha ha,very funny Rooster:rolleyes:,

Thanks for your reply Havinastella,I will give them a try,I wouldn,t have anything on direct debit by choice,but car insurance,house insurance and life insurance wont accept any other payment method.kind regards angnnig

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I recently sent a socal security letter,asking my bank to refund all the unlawfull charges and to stop taking these from my benefit,and this letter was there reply.can anyone advise me what to do next,and if you cannot read my attachment,please advise how i upload and make it readable,kind regards ang n nig

york bank.jpg

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Hi all,Over the past 6 years my bank (yorkshire bank) have took just under £2000 of me in unlawfull charges ,I have the complaint with the FOS.I have been on benefits for most of that time and the bank are still taking money from my benefits,I have recently sent them the "social security act letter",demanding that they pay me all the charges back and to stop taking anymore charges from my benefits ,they sent a letter back basically saying that they are not breaking any laws and they are not going to refund me any of the charges.Can anyone advise me what I should do next ,thanks ,kind regards angnnig

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Thanks for the tip Blue,ive looked at the link ,thats how i got started with the social security act letter,it tells me how to get to that stage but cant find anything on what to do next,unless ive missed something .Il have another look though.kind regards angnnig

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Hi again just read through all the links and im not sure wether to take it through the FOS or court ,I think the easiest thing to do would be to take it through the FOS and claim through hardship grounds and the social security act .does anyone know of any good template letters for this or should i just put it in my own words .thanks .regards angnnig

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can u make that any bigger as it is unreadable

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

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Im not really sure how to make the image larger,sorry not well up on computers.So I'l just type the relevent bits out.

 

we refer to your letter dated 1st july,

It is the banks position that the social security administration act 1992 is not of relevance in the circumstances of this case.the act states that every assignment of or charge on benefits shall be void,this means any attempt by you to assign a right to your benefits or offer them as security will be void.the section does not relate to bank charges.

if you are unhappy with the way in which your complaint has been handled or the outcome you may refer your complaint to the FOS.

 

Thanks, regards angnnig.

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incorrect about that the banks know that this is wrong. there are letters from the secetary of state to banks on the thread to i will try and find them.

 

needless to say i would advise ur bank what the benefits office told me.

that is.

 

under the social securitys act 1992 any money taken from benefit money is illegal. The banks have been aware of this since 1992. The only money that is allowed to be removed from a claimants benefit money is money they owe us (benefits agency). This is our right under seperate rules laid down within the same act as it is goverment money.

 

If the banks dont understand the rules on benefit money then maybe they should read the relivant sections of the act.

 

since then i have had no problems with money comming out of my benefits for anything.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Thanks GM,I will deffo give it a try.what do you think my chances are on getting my money back from YB .I might go through the hardship route also ,Im not sure wether to write to the bank or FOS for this.kind regards angnnig

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I dont know what your chances are as i have not had any dealings with the company.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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