Jump to content


  • Tweets

  • Posts

    • I decided on confrontation - which I hate.  Omg the arrogance of the driver.  They refused to say who had given them the alleged permission to park on the private land - unless I proved ownership.  I couldn't believe they could be so objectionable.   They advised they couldn't take public transport to work as they lived too far away.  They couldn't rent a local garage as none were available. I simply said that's their issue not mine. It was infuriating that this person had such misplaced entitlement.  However I decided to humour them and show them the title deeds.   They couldn't respond.  Although at this point they alleged some guy in a city up north - whose name they couldn't remember - gave permission!!    They then asked if they could buy the garages and land!! Yet can't afford to park on a meter !! They seemed to back down and agree to now park elsewhere.  I hope so. 
    • I've worked out the contractor invoiced apx 250k - Without adding vat to the invoices.  So based on above he should have added vat to all invoices once he reached 85k?  Obviously he had to pay his labourers - would those payments get taken off what he received?  Or it doesn't matter cos he invoiced for the high sum?
    • Greetings, I'm writing to seek assistance with an ongoing issue I'm having with Manchester Council.  I parked my car in a residential area behind Wilmslow Road to go purchase some food, not realizing it was a no-parking zone. I later received a letter stating I had failed to make the required payment, and the penalty had increased. I appealed the fine, explaining that I had parked there but never received the original Penalty Charge Notice (PCN), so I was unaware of the need to pay. However, the council's reply did not address my initial concern. Is there anything I can do in this situation? I admit to parking there, and I was willing to pay the original fine, but I don't think it's fair for them to demand a doubled amount when they failed to send me the initial PCN.  Any advice or guidance you can provide would be greatly appreciated. Thank you in advance for your assistance.   MK Document.pdf
    • If you look at some of the other debt related threads will see that one of the first things which will be asked will be for you to list out your debts in a brief chronological order, including date of debt, amount, creditor, amount outstanding, defaulted – yes/no – date of default, date of last payment made, have you acknowledged the debt at all to the creditors. That lot at least. I expect that my colleague @dx100uk will be along but will meet to know at least that information
    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
  • 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

Bailiffs in at Lloyds !!!


BankFodder
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1928 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

Link to post
Share on other sites

No, because the cash in the tills (theoretically speaking) belongs to the customers of the bank & also form essential tools for the banks day-to-day business (which are excempt from repossesion)

 

They could however help themselves to the BANK'S assets - computers, phones, desks etc that are non-essential.

 

The reality is the bad-publicity that a repossetion would cause is more than enough to inspire the bank to cough up the cash.

Link to post
Share on other sites

The reality is the bad-publicity that a repossetion would cause is more than enough to inspire the bank to cough up the cash.

 

You'd be surprised. We have discovered that almost all of the banks have substantial number of CCJ's against them going back some years. They are not concerned about it.

We will publish lists soon.

Link to post
Share on other sites

I defy you to find ANY sizeable business that doesn't have CCJ's against them - they're an occupational hazard; anyone with a greivance against a company can go thru the small claims procedure, get a judgement etc and in business terms it's rarely worth trying to defend them. You take a comercial decision as to whether you're going to settle or not and stick to that decision. CCJ's against business's don't have anything like the impact they do against people. The only reason banks are worried about a court judgement in the case of Fee's is because of the legal prescident it would set.

 

The publicity of a REPOSSESION however would be scary for the banks as that's a story the media would love (insert picture of balif carrying desks out of high-street bank)

Link to post
Share on other sites

The publicity of a REPOSSESION however would be scary for the banks as that's a story the media would love (insert picture of balif carrying desks out of high-street bank)

 

Yes. Very nice picture indeed.

Link to post
Share on other sites

Same story, Different Media channel:

 

http://news.bbc.co.uk/1/hi/england/manchester/4810490.stm

 

The spokeswoman for Lloyds TSB said: "In the normal course of action we would and do deal with any queries as and when they arise.

 

"Unfortunately Mr Mullen's claim wasn't picked up as it should have been and as a result he obtained a default judgment against us. "

Link to post
Share on other sites

Would Brian Mullen please phone BBC2 Working Lunch ASAP - they want to talk to him about his victory over Lloyds. 9.30 a.m. Thursday 16 March

Contact Pauline McDonagh on 0208 576 0914

 

Bob Egerton

He's been told

Link to post
Share on other sites

Am I right in thinking techically this is a bad thing for "us" though, now it's in the media spotlight Lloyds are going to be "On the ball" as it were, or am I just being paranoid ?

Link to post
Share on other sites

Hi Dave thanks for the reply.

 

I'm trying to work out how it would be possible to "lose" as it were.

 

If what I'm reading all over this forum is correct (which I have no doubt)basically the bank would pretty much have to give back whatever they have charged me for bounced DD's.

 

The only thing I'd have to be willing to do as a last resort is go to a small claims court to get this.

 

I can't see a "losing" part anywhere in this or have I missed something ?

Link to post
Share on other sites

It's not a last resort.

 

Start reclaiming with the idea that you might end up in court, and prepare accordingly. Any time they fold before that is a bonus.

 

All you have to lose is the money you've already lost that they took from you and your court costs.

Link to post
Share on other sites

Was I dreaming or did I see an item on BBC1 Look North last evening re this, at the end of which Gordon Burns stated that, shortly after filming the item at lunchtime, LlloydsTSB paid up? Please, someone, tell me it really happened![/url] :D

Link to post
Share on other sites

Loyds TSB spokeswoman today:

 

"We believe our charges are transparent and fair, and to

say these charges are unlawful is inaccurate".

 

 

http://news.bbc.co.uk/1/hi/england/manchester/4810490.stm

 

 

To which I say, "Why pay up then? Why not see the matter through in the courts?"

We are left to draw our own conclusions! A confidence builder for the nervous amongst us!

 

WELL DONE, AND THANKS, BRIAN ! !

Taming the Halifax!

Link to post
Share on other sites

Great website & forum, I've just discovered it while researching for a post I made on this LLoyds case at :

http://www.housepricecrash.co.uk/forum/index.php?showtopic=26049

 

Glad Lloyds paid up, but a shame that they were not forced to face the music. is there a plan to force a bank to test it in law? (apologies if I've missed this elsewhere on forum , but did check Faq)

 

I'm a regular poster on http://www.housepricecrash.co.uk/forum and think that the site has a similar cause / aims to bankactiongroup.co.uk

Link to post
Share on other sites

is there a plan to force a bank to test it in law? (apologies if I've missed this elsewhere on forum , but did check Faq)

 

Have a read here:

 

http://business.guardian.co.uk/story/0,,1713395,00.html

 

thanks, repect to the litigant, but a

shame a guy has to be prepared to go bankrupt to prove the point. Its a scandal it has not been proved before.

Link to post
Share on other sites

  • 2 weeks later...

my business has a ccj against us. to explain a customer violently threatened staff when offered a refund because he wanted additional money too and we said no. he then launched a DOS attack on our website. after that he went to court to get this additional compensation he believed he was owed, he had no legal grounds for doing so his letter before action was completely ignored.

 

the problem was we never got the summons, nor the judgement so he won by default! the court form said on it we had promised him extra money and then refused to pay which was a total lie, he'd only written about 20 words on his particulars of claim. had i had found out before there was a case i would have simply filed a counterclaim for all he did (this guy was even emailing our client list off the website and claiming we were being investigated for fraud by the police and DTI which is totally absolutely untrue and very illegal).

 

i could have appealed against it as we never got the summons or judgement but made a commercial decision not to because it costs money to do so plus it would have meant taking a day off and going down to woking... it was simply cheaper to pay out. what really irked me was this guy actually tried to refuse payment from us so he could send in the bailiffs and get a winding up order, we sent him a cheque and he refused to cash it and then said he was going to tell the court we hadnt done so, just as well it was sent by recorded delivery. in the end i had to pay a lawyer to send him a letter threatening him with criminal action if he didnt accept the money we were trying to pay him and leave us alone.

 

harassment of a debtor includes -

- implying action can be taken that is not legally possible.

- making threatening gestures or statements

- ignoring disputes about whether or not you are owed money

- telling a third party about the debts

- refusing to freeze action if the debt is disputed

- claiming collection costs when the original agreement did not allow this

- adding unreasonable charges

 

he also managed to do the following

 

- breaking section 40 of the administration of justice act

- breaking the malicious communications act 1988

- breaking the criminal justice act 1994 section 4a

- section 8 of the computer misuse act

 

the sad fact is the small claims system can easily be abused by anyone who has a grudge against you, its the sort of thing that victor meldrew would have loved because overturning an incorrect judgement is almost impossible. naturally he got the letter from the lawyer, took and banked the cheque and fucked right off. running a business sees CCJs as an occupational hazard... i really do wish they'd make the law with them a bit better.

Link to post
Share on other sites

  • 12 years later...

This topic was closed on 03/06/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1928 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

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...