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    • Thanks all for all your input. I have decided to follow this all the way. So far, I have not replied to Alliance Parking's original NTK letter. The time-period for the reduced amount has now finished, and the time to appeal (21 days from the date of letter) will finish on 25th Apr. No further comms received from Alliance Parking. Could you please guide me, for my readiness, on what happens next? Am I going to start receiving letters from Alliance Parking > Debt Collector letters > Letter of Claim? Who sends me the Letter of Claim - Alliance Parking / Debt Collectors / Solicitors / court? How many weeks / months from now is this likely to be? Once Alliance Parking passes the debt off to the Debt Collectors, is there a risk of anyone turning up at the door? Do I need to reply to any other letters from either the parking company, debt collectors, or solicitors? Many thanks in advance.
    • I've just noticed this so wanted to my apologies for my response to this yesterday I didn't realise his name was worry, I thought you meant worry as in be concerned not referring to his name.   My apologies.
    • We've already encouraged worry to use their own words... HB
    • Whoops 😅 Vanquis - September 2015 Jacamo - January 2016 Very - December 2013
    • Pretty good first draft   Only question I have is did you use a template from this forum to write it?   Parts of It just seems very familiar, and I'm concerned if TFL see people just copying and pasting stuff they've seen before it won't be as effective.   If not then I'd say its good but allow others to give their feedback.
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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
      • 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
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Anyone Who Can help with Scottish Law!!!


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I have just joined this great forum and have loads of communication in the past from my bank regarding bank charges. The girl who deals with this at my branch was in the year above me at school and really has taken a dislike to me, when ever I call regarding my charges I can feel her smirking on the end of the phone, she always say's charges can not be refuned, because of the charges I get more charges every month and now they are really getting out of control. I have posted of my letter today and look forward to see her reaction to this.

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I posted my first letter out to the my branch on the 6th of March and got a phone call from my branch yesterday stating that they did not keep the forms I would need to fill in to receive the statements at that branch and they had to send for one yesterday and I should receive it on Wed. or Thru. Where do I stand on the time it has taken them to get back to me?

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You need to do a formal Data Protection Request, which can be as follows:

 

Your name

Your address

Your sort code

Your account number(s)

 

Dear Sirs,

 

Please send me all of the information to which I am entitled under the Data Protection Act 1998. Please ensure that you include all statements.

 

I include £10 to cover the cost.

 

Yours faithfully.

 

Joe Bloggs

 

They have 40 days in which to comply, and in all probability they will, since they have a whole department set up for these requests. Once you get your info, tot up all the charges, add interest, and off you go! (Don't forget the £10, which is the maximum they're allowed to charge.)

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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  • 4 weeks later...

Please Help i've have had my statements from the past 6 years and I have £2995 in charges they are broken down by refferal charges of £1360, unpaid DD of £1265 and card missuse of £370 as I am in Scotland how can I claim for the full amount and do I chance my luck and put the full amount on the letter to the bank requesting the money back????

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Please Help i've have had my statements from the past 6 years and I have £2995 in charges they are broken down by refferal charges of £1360, unpaid DD of £1265 and card missuse of £370 as I am in Scotland how can I claim for the full amount and do I chance my luck and put the full amount on the letter to the bank requesting the money back, or do I just put in the letter I am requesting £750 back ????

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Remember only one claim for £750 at any time, dont run them concurrently.

 

Do a search on the word 'sever' lots of info there

 

Woolfie

Advice & opinions given by Woolfie are my own, and 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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Jus had a letter from the RBS stating the usual we are sorry you are not happy with the service and will be get back to me before the 8th of May this is putting the 6 days over the 14 day dead line do I start court proceedings?

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YES definately keep to your own timetable.

 

Good Luck

Advice & opinions given by Woolfie are my own, and 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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in scotland you can only reclaim 5 years.

 

I dont see that in the FAQ? Is it accurate?

RBoS:

Student Current Account: £300

Current Account: £100

Total = £400

 

  • Statements requested 3/4, Received 26/4.
  • Pre-lim letter sent for both accounts 29/5.
  • 'Bugger-off' reply received 7/6.
  • LBA Hand delivered to Branch Manager 9/6
  • Reply received and ensuing email conversation terminated 21/6.
  • Claim Filed with Edinburgh Sheriff court 27/6.

  • Return Date is 01/08, Hearing Date 08/08!
  • Letter REcieved 2/8 offering £280, Declined.
  • Phone call same day offering full amount + fees.


RESULT!!

 

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Seems to be accurate but general concensus is to go for 6 years regardless!!

 

 

cheers

 

andy

  • Confused 1

Advice & opinions given by Woolfie are my own, and 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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Well, I'm just about to send a LBA to RBOS in Edinburgh for c £1015...That's insidious month-on-month charges for DD referrals, 'card abuse' etc...no-wonder I've runout of money!:-x

 

All I got when I enquired in my branch, was a patronizing 'I'm sorry'...The only reason I have a bank account is because my employer needs one in which to pay my wages. Whatever happened to a paypacket???

 

Good luck, everyone...

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  • 2 weeks later...
Guest BlueRuby

Have you sent them an LBA? If not I would do that next but only give them 7 days from receipt to reply as I see from an earlier post that they have gone several days over the deadline set in your first letter. If they don't reply positively to the LBA then you could start your court claim.

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Just had another letter from the branch, advising me that they have not had time to go through my statements and will require another 14 day to do this, that would bring there total up to five weeks, they are still working on this at branch level. I have just sent my LBA letter of to them for £4,418.69, should I give them them another 14 day or just go straight to the court action?

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  • 2 weeks later...

With regards to 'being scared' - one of the Mods (I think it was Dave) posted recently:

 

The very worst thing that can happen, is that you go to Court, and lose. Meaning you're £39 (or whatever it costs you to present the claim) out of pocket.

 

Not the end of the world - and by all accounts, it doesn't seem that the Banks are keen to even let it get that far are they!?

 

Good luck & keep at the b@stards!

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Can anyone help I'm ready to file a claim with the court but can not find the form for Scotland. Sorry if I seem stupid but I'm pregnant and my head is all over the place with this. Thanks

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