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    • Thanks @lolerzthat's an extremely helpful post. There is no mention of a permit scheme in the lease and likewise, no variation was made to bring this system in. I recall seeing something like a quiet enjoyment clause, but will need to re-read it and confirm. VERY interesting point on the 1987 Act. There hasn't been an AGM in years and I've tried to get one to start to no avail. However, I'll aim to find out more about how the PPC was brought in and revert. Can I test with you and others on the logic of not parking for a few months? I'm ready to fight OPS, so if they go nuclear on me then surely it doesn't matter? I assume that I will keep getting PCNs as long as I live here, so it doesn't make sense for me to change the way that I park?  Unless... You are suggesting that having 5 or so outstanding PCNs, will negatively affect any court case e.g. through bad optics? Or are we trying to force their hand to go to court with only 2 outstanding PCNs?
    • That is so very tempting.   They are doing my annual review as we speak and I'm waiting for their response once I have it I will consider my next steps.    The debt camel website mentioned above is amzing and helping to. Education me alot    
    • Sending you a big hug. I’m sorry your going through this. The letters they send sound aweful, and the waiting game for them to stop. But these guys seem so knowledgable and these letters should stop. Hang in there, and keep in touch. Don’t feel alone 
    • In my time I've never seen a payout/commission from a PPC to a landlord/MA. Normally the installation of all the cameras/payment of warden patrols etc is free but PPCs keep 100% of the ticket revenue. Not saying it doesn't happen mind. I've done some more digging on this: Remember, what your lease doesn't say is just as important as what it does say. If your lease doesn't mention a parking scheme/employment of a PPC/Paying PCNs etc you're under no legal obligation to play along to the PPC's or the MA's "Terms and conditions". I highly doubt your lease had a variation in place to bring in this permit system. Your lease will likely have a "quiet enjoyment" clause for your demised space and the common areas and having to fight a PPC/MA just to park would breach that. Your lease has supremacy of contract, but I do agree it's worth keeping cool and not parking there (and hence getting PCNs) for a couple months just so that the PPC doesn't get blinded by greed and go nuclear on you if you have 4 or 5 PCNs outstanding. At your next AGM, bring it up that the parking controls need to be removed and mention the legal reasons why. One reason is that under S37(5b) Landlord and Tenant Act 1987,  more than 75% of leaseholders and/or the landlord would have needed to agree, and less than 10% opposed, for the variation to take place. I highly doubt a ballot even happened before the PPC was bought in so OPS even being there is unlawful, breaching the terms of your lease. In this legal sense,  the communal vote of the "directors" of the freehold company would have counted for ONE vote of however many flats there are (leases/tenants) + 1 (landlord). It's going to be interesting to see where this goes.  
    • @Whyisitthisthank you very much for asking. I am still feeling anxious, especially when someone rings the doorbell, or when I receive a letter I feel a it paranoid. I stopped going to the shops unless I really have to. I shop online now. When I see security I feel paralised. 
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    • If you are buying a used car – you need to read this survival guide.
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    • 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 
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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.

      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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Scottish jurisdiction - from Mike Dailly, Govan Law centre


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these are the 2 main reasons I went to an English court. If you split a claim the defendant could complain that the 2nd claim you made should have been included with the first and the judge could prevent you from doing a 3rd against that bank. If it is a joint account you could do 2 in each name.

 

The other reason for England is you can do a claim for upto 6 years totalling £5k all as an individual no solicitor required. Only problem is you may have to attend court and the nearest is eiher Carlisle or Berwick.

 

I have claimed over £10 k from both nationwide and HBOS in an English court without too many issues but they could challenge jurisdiction as you are in Scotland, but I do have a plan should that happen.

If I have helped click my scales....

 

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  • 1 month later...

Hi i live in scotland and sent letter to RBS 3 weeks ago asking to refund bank charges totalling £1,400.00 stating that they had 14 days to reply. I have still not heard from them. Please could anyone give me advice on what to do next as i am confused about how the scottish court system works and what the next stage should be!

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Hi i live in scotland and sent letter to RBS 3 weeks ago asking to refund bank charges totalling £1,400.00 stating that they had 14 days to reply. I have still not heard from them. Please could anyone give me advice on what to do next as i am confused about how the scottish court system works and what the next stage should be!

 

I take it that is your prelim letter to them. Send them Letter Before Action next. Here is a link, good luck.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

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Hi everyone

 

Just gone through 6 years worth of statements from BOS and have arrived at a grand total of £8915 before interest!!! Obviously going to progress to the next stage but, despite the FANTASTIC advice on here, I'm still a bit confused. Obviously living in Scotland and having a bank with its head office in Edinburgh I'd rather not pursue things through the small claims here, because of the £750 limit and the fact that some sheriffs seem to have cottoned on the the 'trick' of making a few claims to get round this limit.

 

I have family living in Cumbria and don't think it would be a problem to use their address for legal correspondence, or for me to travel to Carlisle for court dates if necessary etc BUT......do I have to change to English address with bank NOW and maintain my account 'from there' from now on or can I wait until I'm starting proceedings (hopefully won't come to that, fingers crossed!) ;). I'm going to be sending my initial request for payment letter in the next couple of days....so can I continue with my own Scottish address for now then change to English address if necessary?

 

Hope that makes sense.....it does in my head but not so sure now I read it back!!!! :rolleyes:

 

Thanks guys....really helps knowing there are SQUILLIONS of us fighting back! :-D

 

Jacqui

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You only need a correspondence address in england for court documents so i've just opened an account with "mail box etc" in preston whose address you can use when filing your claim with MCOL and they then forward all mail up to you. You dont have to change your address details with the bank.

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

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Thanks for that Stornoway....I had a feeling that would be the case but it's always better to check I think. Don't like to leave anything to chance with these guys!!!

 

Jacqui

At this point I would just use my scottish address, but serve the papers on the Halifax head office in England. I did this and so far they have sent my half (£5000) of what they owe me. They had no issue with my scottish address or me picking the head office (that is where most of my communications came from anyway).

 

I have set up a postal address in England for £50 and the firm send me a scanned copy of any letter I receive (50p) per page of a letter. You are more than welcome to use this address (so long as you pay the scanning costs ) should you actually have the jurisdiction challenged (which I doubt) .

 

My opinion is just go for it.

If I have helped click my scales....

 

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Hey, guys im about to send off my request for SAR to halifax. Is it standard for people to ask for the 6 years of charges to be reimbursed only to drop to 5 if it goes to court? And is this permissible to change this half way through your request? Just want to get it right first time! thanks for any help :D

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Evening all. First time post, found this excellent forum through moneysavingexpert. I'm about to embark on the process to reclaim my charges and this is how I think I'll need to go about it, please correct any omissions. Claiming against Abbey btw. I have my statements from 1999 and a quick scan of them leads me to believe I'll have about £6k of charges to claim back Abbey are based in England and I'll check which the ruling law is for the account. - First letter requesting payment of six years of charges along with details of all the charges. - If nothing, 14 days later second letter threatening legal action - If nothing (or unsatisfactory offer) set up mail box in England and serve papers from there. I'd be willing to travel for a court date in England if I could offset the cost against the full amount I can claim back. Have I missed anything/any other advice? I'll keep you posted and probably be back for more advice along the way :) TIA Doug

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  • 4 weeks later...

Hi I'm new to this forum and desperate for advice. I have sent the correct letter requesting statements to lloyds tsb (recorded delivery) and reckon I'm due about £4000.00 in charges. What's my best way to go about claiming them bank is it via court here or England and how do I do it?

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  • 2 weeks later...

I am claiming against LTSB, however their T&Cs state that for accounts opened in scotland then scottish law applies.

 

Does this preclude me from taking them through the English systems?

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