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    • Hi T911 and welcome to CAG. As you say, an interesting screw up. So much for quality control! Anyway, our regular advice is to ignore all of their increasingly threatening missives... UNLESS you get a letter of claim, then come back here and we'll help you write a "snotty letter" to help them decide whether to take it any further with their stoopid pics. If you get mail you're unsure of, just upload it for the team to have a look.
    • 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.  
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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 
      • 81 replies
    • 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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Suzy H v Nationwide ***SETTLED***


Suzy H
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Hello everyone

 

New girl on the block so thought i'd just say hello ;) I have been reading all your posts for a couple of weeks now and am in the process of opening a new basic account with the Nat West (so I have an account when they close this one). Fingers crossed this goes well as I have a very poor credit rating :(

 

I thought I was ready to go but have just discovered the 'Scotland' forum so although i'm kinda back to square one on the swatting up ... ah well ... my enthusiasm for getting my money back has not gone ... woo hoo :rolleyes:

 

Like everyone starting out - I am very nervous but with your support and words of wisdom I guess things will get easier.

 

Good luck to everyone and I look forward to updating you all with my progress

Thank you :-)

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Hi and welcome to the forum - we're a friendly bunch on here :)

 

Please do keep us updated and we can help you whenever we can - have you any idea of how much you are claiming back yet?

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Hi Suzy. Don't be discouraged: I have a terrible credit history, but I got a Step account with Natwest with no problem. I have my fingers crossed you'll get one too!

Nationwide: £2443. Settled in full

Co-operative Bank Visa: £351. Settled in full.

MBNA Visa: £476. Settled in full.

AA Account with Capital Bank: £80. Settled in full.

Capital One Visa: £160. Settled in full.

Paragon Personal Finance: £120 fees SETTLED ERC claim withdrawn Feb 07.

Kensington Mortgages: Claim withdrawn Feb 07.

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Hi guys

 

Thank you so much for the very warm welcome :)

 

Dolly ... I think since opening my account in Dec 2003 i've probably accumulated charges on my Nationwide account for about £1500 (as a conservative guess) -which would really go a long way just now as I am unemployed & about to start a uni course in Oct (however I WILL make a donation).

 

Ladymoonray ... please keep those fingers crossed for the 'Step Account' as I need all the help & luck I can get right now :wink:

 

melc - I also wish you good luck on 'your quest' - as soon as I start my proceedings I will update this thread :) - look forward to reading your updates as well.

 

Thanks again for the warm welcome x

Thank you :-)

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:D got a letter from NatWest today saying I now have an account with them so have got my Data Protection letter printed off and am now off to the post office to get a £10 postal order. I'm sending it special delivery to Gary Parkins in Northampton.

 

I have also printed off the Consumer Credit Act letter and am sending it off with my £1 to 'Moorcroft' (man are they nasty people so i'll enjoy that one lol)

 

I'll keep you posted on my progress :)

Thank you :-)

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I received a very nice letter of acknowledgement from Nationwide this morning from Sue Taylor - Data Protection Administrator so just waiting for statements now :-)

 

As of yet i've not heard a peep from Moorcroft but so far my 5 calls a day have gone down to zero so fingers crossed the nasty threatening court letters and phonecalls have now stopped :-)

Thank you :-)

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Got my letter a few days ago, i'm starting the 40 days from when they signed for it on 12/07, only 32 days to go:o ...hate this waiting!!!

*****************************************

[/url]

Nationwide

Won

Capital One

Won

Citibank

Part win

GE Capital

Won

 

Exchange your council house for free.

www.UseMyPlace.com

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Hi - not sure if I should start a new thread as it is about Moorcroft and not Nationwide or if I should continue with this thread as this is now mine (sorry if i've done it wrong)

 

Anyway ... after reading 'hagenuk's' reply to 'ianfms's' 'moorcroft debt collectors' I am now confused (ok not a hard thing to do with all the info i'm trying to take in at the mo lol) I posted my CCA on 14th July and Moorcroft recieved it on 17th July so am I now right in thinking that if I haven't heard anything by 29th July (12 days after receipt of letter) they have to obtain a court order to resume collecting the debt and if I still haven't heard anything by 16th August (30 days after receipt of letter) the debt becomes unenforceable!?!

 

Sorry if it's a really obvious question - it's just that until I read that post I was under the impression they had 28 days to provide the info.

 

Thanks in advance for the help :-)

 

Davisc02 ... I to hate the waiting but glad in a way so I have time to compose myself between each stage lol

Thank you :-)

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If you have access to internet banking for Nationwide, they have a very handy feature which enables you to see all charges and associated interest as a list of transactions.

Rotaryboy v

 

1)Nationwide

11/8/06 moneyclaim issued

25/8/06 letter received saying NW will pay back charges in full :-D £50.88 rec'd

31/8/06 remaining £480.00 rec'd today SETTLED IN FULL!

 

 

2)Lloyds TSB

S.A.R - (Subject Access Request) sent

10/10/06 statements rec'd

11/10/06 1st letter requesting payment for circa £5500 - (personal account) - have circa £1100 still to claim on business accounts

This is the big one!;)

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Hi 'rotaryboy' - thanks for that just had a look at my statements back to June '04 and I nearly fainted £3111.86 in charges :shock: I opened the account in December '03 so will need to wait and see if there are other charges to go on final total.

 

It's a shame we (in Scotland) can only claim in £750 bundles ... this is going to take forever trying to get it all back but after seeing that figure it will totally be worth it as that figure alone can clear off a big chunk of my existing debts - what a fantastic feeling that would be :-)

 

Good luck on your own quest

 

'davisc02' did you find your online statements & list of charges ok?

Thank you :-)

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I downloaded back till April 2004 with the individual downloads I was just a bit confused with the "list of charges" bit, is this just the page that comes at the end of the monthly statement? The way Rotaryboy said it seemed as if you could just somehow display online a list of charges which I can't see how you can do.:-|

 

Cheers

*****************************************

[/url]

Nationwide

Won

Capital One

Won

Citibank

Part win

GE Capital

Won

 

Exchange your council house for free.

www.UseMyPlace.com

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Hi davisc02

 

Yeah that's what I did as well as I couldn't see where to download as a list of charges either :rolleyes:.

 

Still waiting for my statements to be delivered but can't believe total so far! :shock:

 

Good luck

Thank you :-)

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  • 2 weeks later...

Great new, that's a nice sum to get back :)

let us know how they respond!!!

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Sorry, haven't been on for a few days!

 

If you go into the full statement page online, you can select the type of transaction (including charges applied) and see all the charges incurred for a given period. You can only go back 15 months online if memory serves, but it is a good starting point.

Rotaryboy v

 

1)Nationwide

11/8/06 moneyclaim issued

25/8/06 letter received saying NW will pay back charges in full :-D £50.88 rec'd

31/8/06 remaining £480.00 rec'd today SETTLED IN FULL!

 

 

2)Lloyds TSB

S.A.R - (Subject Access Request) sent

10/10/06 statements rec'd

11/10/06 1st letter requesting payment for circa £5500 - (personal account) - have circa £1100 still to claim on business accounts

This is the big one!;)

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  • 2 weeks later...

:rolleyes: received my 'thank you for getting in touch about your charges ... but you're still not getting your money back' letter this morning from Sarah Watson.

 

So now going to send off my 'letter before action.' I'm another step nearer to getting there :) Still positive but of course looking forward to the end.

Thank you :-)

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  • 3 weeks later...

Posted my Letter Before Action and it was recieved on September 07th. Still no word from Sarah Watson but hoping to hear from her before the 14 day cut off (21/09) - cutting it fine I know :rolleyes:

 

I'm totally expecting it to be the last of the 'take a hike' letters so i'm going to have to get my head round the court stuff now :o

 

I'll let you know when I get my LBA reply and hopefully you will be able to help me with the paper work etc :)

 

Thanks for all your support and encouragement so far - it really has been invaluable.

Thank you :-)

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We will definitely help - don't submit the claim until someone has checked over it, just post details on here and we'll make sure everything is ok.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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14 days in total Suzy - then on with the claim!

  • Confused 1

Nationwide

May 23 Data Protection Act request sent

May 25 Data Protection Act request acknowledgement received

June 13 Statements Received

June 13 Prelim letter sent

June 26 LBA sent

July 12 Claim issued via Money Claim Online

July 21 £4798.29 paid into account

 

Endeavour Personal Finance

Sep 12 Prelim letter sent

Sep 18 LBA sent

 

GE Money

Sep 20 SAR

 

SPPL

Sep 20 SAR

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Me too Suzy - I've not heard a sausage from NW from my prelim letter which they received on 7th Sept so I'm sending my LBA out today, then waiting another 14 days till MCOL...

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

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