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    • Last June, 3.4m members received a £100 payment from the building society. Now they will be wondering whether the offer will be replicated this year.View the full article
    • Write to the IPC complaining that UKPC have not observed the requirements of PoFA . IPC  Waterside House, Macclesfield SK10 9NR Dear IPC, I am writing to complain about a serious breach of the Protection of Freedoms Act 2012 by UKPCM. I feel that as it is more a breach of the Act rather than not just  complying with your Code of Practice which is why I am bypassing your operator. Should you decide to insist that I first complain to your operator, I will instead pass over my complaint to the ICO and the DVLA . My story starts with being issued a windscreen PCN on 8/3/24 which was almost immediately removed and a second  PCN was then  sent by post on 13/3/24  [deemed delivered 15/3/24] which I did not receive and had to send an sar to have that particular mess revealed later  but that is not the reason for my complaint. UKPC then sent a Keeper Liability Notice dated 12/4/24 warning me that as 28 days have now elapsed, I as keeper am now liable for the charge.  This is in direct contravention of PoFA since the keeper does not become liable to pay until the day after the original PCN is deemed to have been given which would have been 13/4/24 -a Saturday ]. Not only does it not comply with PoFA but it fails to adhere to your Code of Practice and is in breach of their agreement with the DVLA. You will be aware that this is not the first time that UKPC have fallen foul of the DVLA and presumably yourselves. I have included copies of both Notices for information. You will realise the seriousness of this situation if this is standard practice from the UKPC to all motorists or just those where windscreen tickets are involved since the Law regarding PoFA is being abused and is unfair to misguide motorists. I await your  response which I understand will usually be within a week. -------------------------------------------------------------------------------------------------------------------------------------------------------I would think that should be sufficient for the IPC to cancel your PCN though  you should await comments from the Site team before sending your complaint. Don't forget to include both PCNs.  
    • Hi DX, Sorry, fell asleep as I was up all night last night writing that statement. Yes, I attached the rest of the witness statement on post 50, bottom of webpage 2. That's the important part.  It looks like the lawyer who wrote Erudio's Witness statement does not work for them any more. So, I'll have another lawyer representing instead. Not sure if I can use Andy's hearsay argument verbally if that happens.... I did not put it in writing. Apart from not sending deferral forms, my main argument is that in 2014 Erudio fixed some arrears mistake that SLC made and then in 2018 they did the same mistake, sent me confusing letters. What is the legal defence when they send you confusing material?
    • Chinese firm MineOne Partners has been ordered to sell land it owns near a US nuclear missile site.View the full article
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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.

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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.

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      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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Money Refunded


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I came across this site after looking at MoneySavingExpert.com ad-free, free to use, Consumer Revenge!. I had recently been charged two £25 fees for going overdrawn which I thought was very excessive. I sent the standard letter to Alliance and Leicester at the address in Bootle (shown on your chequebook). The letter was ignored so this time I sent it by recorded delivery. I received a response within a week to say that they had refunded £25 as a goodwill gesture. As no further money was offered I filed an on-line small claim against them via the www.moneyclaim.gov.uk site. They immediately acknowledged the claim and today have written to me giving me a the other £25 claimed plus the £30 cost to file the claim. Their letter states that "it is clear that you do not accept the terms and conditions for the operation of your account we will shortly be contacting you to discuss its future operation". I am of the understanding they cannot close my account as a result of this but wait with anticipation to see what they will do.

 

It was worth the hassle to claim this money back as it is an unfair charge. Thanks for the tips and advice. I will post again if they contact me.

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I I am of the understanding they cannot close my account as a result of this but wait with anticipation to see what they will do.

 

Be in no doubt that they will close your account. If you really want to stay with them there are threads around with advice on how to prevent them. Speaking for myself, I was glad to see the back of them.

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.

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I currently have a A&L joint account, a personnal account, a joint savings account and my wife has an account. Does anybody know what they will close if they decide thats is their course of action?? I also have a mortgage with them so I would hope the threat of me closing that would offer some leverage in my favour as closing that would cost them significantly in lost interest charges. If I have to change accounts I am not hugely concerened but it is the hassle that I am not looking forward to, although I have opened a new smile account just in case.

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Your mortgage is a separate contract and I believe that they cannot touch that. I think they are likely to close any current account with your name on it. It is hard to predict really, especially as various banks seem to be coming up with new tactics at the moment.

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.

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I am currently applying to A&L to return my illegal charges. Presumably they will close my account in a fit of pique. What happens to my current £500 overdraft which I am up to the limit? Do they swallow that loss too? Somehow I don't think so.... However, I could argue that they are closing my account against my will following my request to have back what was legally mine in the first place ??!!**!!? I could tell them I'll pay it back at £25 a month ...8-)

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Dont be mistaken Rosemary,

The charges are not illegal they are Unlawful!

The letter of account closure i recieved stated:-

 

"If you have an overdraft facility or if your account is overdrawn we will contact you seperately regarding removal of this facility and for your repayment proposals"

 

so i assume that you can "pay it up"

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I am currently applying to A&L to return my illegal charges. Presumably they will close my account in a fit of pique. What happens to my current £500 overdraft which I am up to the limit? Do they swallow that loss too? Somehow I don't think so.... However, I could argue that they are closing my account against my will following my request to have back what was legally mine in the first place ??!!**!!? I could tell them I'll pay it back at £25 a month ...8-)

 

How much are your charges?

Consumer Health Forums - where you can discuss any health or relationship matters.

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Hi you guys. Firstly, thanks for hauling me up on the point of illegality. Of course, I do know this but forgot on this occasion in all the excitement. Illegality would indicate there was something criminal when we are only pursuing these charges through civil action (litigation). I've done a law degree and never has this proven to be more useful than now - particular my contract law and consumer law modules. I am currently chasing for £1,315 in bank charges from Alliance & Leicester and just received my first 'fob off' letter. I am also pursuing Lloyds for £3k and have reached acknowledgement of order stage in court so 28 days to go...:oops:

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Hi you guys. Firstly, thanks for hauling me up on the point of illegality. Of course, I do know this but forgot on this occasion in all the excitement. Illegality would indicate there was something criminal when we are only pursuing these charges through civil action (litigation). I've done a law degree and never has this proven to be more useful than now - particular my contract law and consumer law modules. I am currently chasing for £1,315 in bank charges from Alliance & Leicester and just received my first 'fob off' letter. I am also pursuing Lloyds for £3k and have reached acknowledgement of order stage in court so 28 days to go...:oops:

 

In which case this far exceeds your O/D debt with them.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Can't think of a reason that you wouldn't get it all back.

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.

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Hi,

Since opening my A&L current account (which I cannot get an OD on) some 3 yrs ago I have been a constant victim of this corporate edit. I am at the early stages of asking for my fees to be refunded, I have sent back the Freedom of Information Act form with the customary £10 fee. I would appreciate any helpful tips from this stage on.

Thanks

 

No libellous comments that could cause problems for the site please.

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Tip 1 Read the FAQ's, step by step instructions etc.

Tip 2 Start your own thread so that we can follow your progress.

 

Good luck:)

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.

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