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    • Please also take photos of the sign at the entrance as well as any signs inside the car park especially any that are different. Please take them from a distance where we can read them and if there is a payment machine, the sign on the machine or very close to it that explains their T&Cs for the machine.
    • Thanks for getting the signage posted up so quickly. The sign on entry should explain their T&Cs. As they don't it means that  what they have given you is  an offer to treat, not a contract. For there to be a contract they would have had to put their offer at the entrance.  You cannot put a notice saying that their T&Cs are inside the car park and expect motorists to be subject to those T&Cs when they are unaware what the terms are.. They have to be able to read them and understand them before they can accept them. My feeling is that the sign that includes the charge of £100 is too small to be acceptable On top of that the sign at the entrance is for Parking Control Solutions while the signs inside are from HX Management-a completely different animal. To strengthen your case for not paying them is the fact that their PCN is not compliant.  Under the Protection of Freedoms Act 2012 there are certain wordings in  the NTK  that by Law must comply with the Act. They don't  have to quote that part of the Act in their PCN but the relevant wording has to be included. PoFA Schedule 4 paragraph 9 [2]   the notice must  [f]   warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid;   Your  NTK does not include  [if all the applicable conditions  under the Schedule have been met ]thus rendering the NTK non compliant.  
    • I agree its about time but why has it taken for the National Crime Agency to flag this up for then to take action and not Ofcom.   Yet again a Government Agency that is meant to deal with this hasn't Ofcom but flagged by another Agency NCA.   If the telephone companies have this facility in place already to do this then why hasn't Ofcom been pushing them to stop all these scam calls and giving them massive fines for not doing so.    
    • Hi   Send this to them:   Dear Sir/Madam   Formal Complaint   Reference:            (insert their complaint reference number here)   Thank you for your response letter dated XX/XX/2021 which I received by email on XX/XX/2021 that contained your Original Email sent that showed due to your Maladministration that you had sent the Original Email containing my Personal Data to an incorrect email address due to spelling errors in the email address.   a)      Due to this Maladministration of this email being sent to the incorrect email address this email contained my Personal Data which is a Data Protection Breach therefore I require clarification from yourselves that this Breach has been reported to your Data Protection Officer and what action is being taken to ensure that my Personal Data contained in that Original Email has not been read by the recipient that you sent that email to with the incorrect email address.   As the email was sent by yourselves to my correct email address containing the original email showing the incorrect email address was due to spelling errors (maladministration) your IT Department will be able to obtain those emails sent.   If I do not get a satisfactory response that this has been dealt with by your Data Protection Officer, I will report this Data Breach to the Information Commissioners Office (ICO) https://ico.org.uk/make-a-complaint/   b)      Due to this Maladministration I failed to receive your Stage 1 complaint response within the allocated time limit for a Stage 1 response therefore this complaint should be dealt with as a Stage 2 Complaint and if you refuse to treat this as a Stage 2 Complaint, I require Full Clarification for your refusal.   I was placed in this Tenancy via the Rough Sleepers Initiative and I find your response about damaged/destroyed items that you would not be able to look into this as this happened 2 years ago but all tenants regardless of private or social housing are responsible for arranging their own contents insurance totally unacceptable as again, I was never notified nor informed of this requirement on taking up this tenancy.   I require clarification from yourself that when a New Tenant takes up a Tenancy Agreement with yourselves why are the not informed of this requirement of Contents Insurance which you should be duty bound to inform all tenants on taking up a tenancy agreement if such a requirement and it should also be noted within that tenants Housing File which you have full access to as dealing with complaint so I require clarification as well if this is noted in my Housing File.   You state multiple properties throughout the area were affected by sewage flood on the same day and the issue will have stemmed from the mains which is not your responsibility.   a)      You have failed to take into that the above statement from yourself blaming the Mains is without any actual evidence from yourselves to back up this claim therefore I require clarification as to what actual evidence you have and to be provided with copies.   b)      You also failed to take into account that in my initial complaint letter that on 12th July 2021 basement flats 1 & 2 were flooded by sewage exacerbated by blockage in the property’s drainage. The blockage has been confirmed by two contractors after the flooding including CCR who were subcontracted by Pyramid Plus that it was the properties drainage that was blocked. Also, while I was decanted from this property, I was contacted by CCR who confirmed that the drain was blocked but they could not access manhole as it was inaccessible as it is located in a utility cupboard underneath carpet, floorboards so how could this be the Main and not your responsibility when it is within the properties boundaries.   Your response about how complaints have been made by residents in relation to this issue is that your system does not allow you to find that information is completely unacceptable as your Housing Association should be able to produce these as part of ongoing repairs and maintenance/procurement processes to present these to your Board for there yearly Budget meeting if not why not.   Then you state you are under no obligation to share that information; therefore, your organisation is not being Open and Accountable to your Service Users and under which Article of the General Data Protection Act (GDPR) are you using for this refusal.   You have also failed to mention that I can make that above request under the Freedom of Information Act (FOI) and what is your process for such a request again not being Open and Accountable.   I await your response.
    • RE: EC261 Compensation   It's normal they won't have asked you to contact them . Your initial rescheduling was obviously done by a bot - and there was no human to notice the mistake, as far as the bot knew your scheduling was perfectly normal so there was no need to ask you to contact them.   As long as that was done 2 weeks in advance the carrier's liability to notify you is fulfilled.   (You could have contacted them there and pointed out that the new schedule was impossible. Unfortunately you didn't. Claiming you didn't notice is not likely to work in your favor)   The bot who sent you the 24h confirmation didn't notice the mistake either, obviously.   At some point a human or another bot finally identified the problem and that's when they called you. As far as they are concerned neither you nor them had noticed the scheduling mistake and they took it on them to notify you so you don't have a bad surprise when you try and check in.   However as far as I know, neither flight was delayed or cancelled. You could have taken both flights, if you had the power to be in two places at the same time.   So I don't think there is any scope to claim for EC261. But claim forms are free so feel free to try.     Then, you can certainly make an old fashioned claim (directly to BA)   What could perhaps play in your favor:   It's the carrier's responsibility to ensure that they don't sell you a ticket where the flyer cannot meet the minimum connection time or MCT.   This situation mostly applies to situations where the flyer doesn't know and gets caught. For example say you connect at LHR and you are given 35 minutes to connect. This may look just fine to an unsuspecting tourist, but in reality there is practically zero chance to make the connection, therefore the airline is liable here for selling you this ticket resulting in you missing your connection   In your case though it could be argued that even an unsuspecting tourist should be able to tell that it is not possible for them to depart 5 minutes prior to disembarking and therefore that you should have checked your notification more carefully.   The fact that the bot allowed such a glaring mistake to happen is certainly an argument in your favour shall you decide to make a complaint.     What doesn't play in your favor:   The airline obviously did their best to get you to your destination as soon as they noticed their mistake. They offered you more than one alternative (the first alternative would have got you in time at your destination, but you declined) and you then accepted another alternative, and fully travelled the ticket. That is a very strong position for them.     What did you lose and what do you intend to claim for?   You took the overnight connection so obviously you had to stay at an airport hotel. Is that correct? Did you keep the receipt for your hotel and meals?   You certainly should have asked them on the phone when negotiating your re-route that they provide a hotel. Within 20hrs of the flight it's something they would most probably not have denied to you (but airlines will generally avoid offering off the bat. Why lose money when a customer is just going to roll with it and pay for their own stay anyway, right?). After the fact it's going to be a lot more difficult to claim.   I do certainly think it would be reasonable to try and write them a polite but firm letter to claim for that. Not 700 euros, not damages and hardship and all that jazz, just the extra expense you incurred following a scheduling mistake that they made (that should have never happened) and that they didn't notice until way too late in the day , with your categorical inability to leave 3 hours earlier (you had very important business meetings or something critical, it certainly wasn't just convenience) and the extra costs incurred, and asking that they kindly provide compensation for the hotel and meals, which you feel it was their duty to offer you and you are politely disappointed that they didn't, and thafully you happen to have kept all the receipts. Put Alex Cruz on copy for good measure.   No guarantee but I feel it has a fair chance of success. Most probably you will be offered a heap of Avios instead of cash. It's then up for you to decide whether you want to accept that. Personally I wouldn't bother going further, but that's just me. See if anyone here disagrees, and do let us know what you decide and keep in touch with how it went.            
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Log Book Loans want to take my car. I dont owe then anything.


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evening.....i have seen your mail and would be happy to chat about the experiences with logbook loans and even the franchises they give out......bills of sale and the way they carry out business.....i am about to go into court at the end of the month against the ex franchisee of logbook loans re the loan i took out.

alot of info and irrgularities....i am in no way an expert and there are many many more knowledgeable buys on here who have helped me no end...i can just let you know what i have gone through and the advice i have gathered from friends on here and CAB and legal advice......

with all the advice and help from all the above sources i am ready to head into court in next few weeks and they do not have a leg to stand on.

If I can help let me know....

bullyuk

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  • 7 months later...

Dear bullyuk

 

Hope it went well. Please let us know.

 

I to now am heading to court.

 

Found alot of additional info out online.

 

Will let you know in due course if any of it is of any use.

 

If it is I cannot believe there are so many errors with the LBL BoS.

 

Fingers crossed.

 

GOOD LUCK ALL.

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Seems '[Laura Burns' disappeared off the face of the earth hey?

 

So much for her 'interest' then

 

Apple : )

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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Hi Jollygreengiant... : )

 

I pleased to report that BullyUK advised that he won his case - check out his threads by clicking onto his name in the forum - you can read how he got on : )

 

Apple

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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  • 1 month later...

Dear All

Important update: I WON.

Log book loans took me to court using someone else’s address.

As I could not/did not correspond with the court, it was ruled in their favour. It was ordered I had to hand the vehicle over to them. Please read on.

In all honesty the information contained within the forums gave heart, but only the faintest belief that I could save my car.

Many directed towards solicitors, many of whom wanted £500-£1000 in advance before they would even look at the case. None would give solid advice or direction.

Remember, a solicitor sees you as an easy way to make money. No better than the ‘loan shark’ you borrow from.

Hence I spent days/months trawling through the internet, site after site, write up after write up.

I found many a holy grail containing invaluable information.

Hence collectively I challenged the court’s decision & supplied the court with my correct address. On top of the ruling against me (wrong address), I highlighted 10 (yes 10) errors of procedure/wording etc that invalidated the Bill of Sale, hence any one of which voiding the Bill of Sale in respect of the personal chattels comprised therein.

I have just received notice from Nine Regions/Log Book Loans.

“We are in receipt of your application to set aside judgment in the above case. Having reviewed the case in detail and in consideration of the costs we would incur in litigating further, we have taken the decision to agree to the setting aside of the judgment and discontinuance of the claim. As we are no longer minded to pursue the matter through the courts we can also confirm that we have today requested that HPI remove our interest and security alert from their register and have instructed our recovery agents to cease all action.

We have written to the court to advise of our intentions and have requested that an order be drawn up setting aside the judgment by consent and discontinuing the claim. You should receive a sealed copy of the order directly from the court but we will also endeavour to send you a copy of the same once received at this office.”

It is my personal belief that from the information contained regarding other Bill of Sale agreements, within the forums, highlights that every LOG BOOK Loan, BILL of SALE can be challenged & rendered void in respect of the personal chattels comprised therein.

Please don’t see this as an easy escape. Many will have signed loan agreements also. They are a completely different study. Again search & you will find that they too are limited, dependant on timing, amount repaid to name but a few.

CHALLENGE CHALLENGE CHALLENGE.

GOOD LUCK.

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Dear All

 

 

Important update: I WON.

 

 

Log book loans took me to court using someone else’s address.

 

As I could not/did not correspond with the court, it was ruled in their favour. It was ordered I had to hand the vehicle over to them. Please read on.

 

 

In all honesty the information contained within the forums gave heart, but only the faintest belief that I could save my car.

 

Many directed towards solicitors, many of whom wanted £500-£1000 in advance before they would even look at the case. None would give solid advice or direction.

 

Remember, a solicitor sees you as an easy way to make money. No better than the ‘loan shark’ you borrow from.

 

 

Hence I spent days/months trawling through the internet, site after site, write up after write up.

 

I found many a holy grail containing invaluable information.

 

Hence collectively I challenged the court’s decision & supplied the court with my correct address. On top of the ruling against me (wrong address), I highlighted 10 (yes 10) errors of procedure/wording etc that invalidated the Bill of Sale, hence any one of which voiding the Bill of Sale in respect of the personal chattels comprised therein.

 

I have just received notice from Nine Regions/Log Book Loans.

“We are in receipt of your application to set aside judgment in the above case. Having reviewed the case in detail and in consideration of the costs we would incur in litigating further, we have taken the decision to agree to the setting aside of the judgment and discontinuance of the claim. As we are no longer minded to pursue the matter through the courts we can also confirm that we have today requested that HPI remove our interest and security alert from their register and have instructed our recovery agents to cease all action.

We have written to the court to advise of our intentions and have requested that an order be drawn up setting aside the judgment by consent and discontinuing the claim. You should receive a sealed copy of the order directly from the court but we will also endeavour to send you a copy of the same once received at this office.”

It is my personal belief that from the information contained regarding other Bill of Sale agreements, within the forums, highlights that every LOG BOOK Loan, BILL of SALE can be challenged & rendered void in respect of the personal chattels comprised therein.

 

Please don’t see this as an easy escape. Many will have signed loan agreements also. They are a completely different study. Again search & you will find that they too are limited, dependant on timing, amount repaid to name but a few.

 

 

CHALLENGE CHALLENGE CHALLENGE.

 

 

GOOD LUCK.

 

 

Hi Jolly, good on you well done, they dropped the case cos they could not win, now hit them with costs....research, postage, etc etc....

 

Oh, Ask them for the HPI confirmation by letter...

 

trooper68

Trooper68:)

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Has Any suceeded in this before?

 

ie costs....research, postage, etc etc....

 

Go for it guys, what is this worth?

 

 

Loads of people, your out of pocket yes? spent a load of time sorting this out yes? Hit them with the costs, they would do it to you if they took you all the way-yes? Reply to the letter you recieved, reg'd, give them a break down of all your costs and time say £9 an hour (based on the Sol Research).. if they refuse you could take them to court...its up to you..besides what have you got to lose...

 

trooper68

Trooper68:)

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  • 5 weeks later...

OMG

Will this ever end.

I was clearly joyous at LBL dropping their litigation.

However I have just today received a letter from the court, as a response to an email I had sent them:

“Further to your e-mail dated *********** 2010,the court confirms that the claimant has informed the court of their position,- however-District Judge has refused their request to discontinue the claim.

Regarding a refund of an application fee, the court cannot refund your fee for the mentioned. application as it has been processed and it is listed for a hearing on ********** 2010.”

Has the world gone mad or is it just me.

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OMG

 

Will this ever end.

 

I was clearly joyous at LBL dropping their litigation.

 

However I have just today received a letter from the court, as a response to an email I had sent them:

 

“Further to your e-mail dated *********** 2010,the court confirms that the claimant has informed the court of their position,- however-District Judge hasrefused their request to discontinue the claim.

Regarding a refund of an application fee, the court cannot refund your fee for the mentioned. application as it has been processed and it is listed for a hearing on ********** 2010.”

 

Has the world gone mad or is it just me.

 

So reading betwen the lines, the claimant isn't now sueing but the court is - I don't understand that.

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I think you may find that he wants them in front of him, they may have abused the court process- relax for now, give the court a ring and have a chat with the team there...

I cannot see where you would be in the spot light...

 

trooper68

Trooper68:)

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  • 2 weeks later...

Hi Jolly Green Giant

 

Sorry to note that this matter is not finsihed as yet.

 

It would seem to me that the Judge has indeed decided that they cannot simply 'walk away' from this one....

 

I don't see that you have anything to fear considering the fact that they are the ones that initiated the claim against you - then were unable to substantiate their claim.... they will of course know that 'protocol' is very much party to the court system and that at any stage prior to writing to withdraw their claim against you - they could have re-tracted their claim; they chose not to - until it was clearly 'too late' - their actions taken were done to fob you off; so that you did not seek to claim costs or compensation - they are obligated to pay you for your costs in the matter.

 

Having said that - so that you can get a clearer picture - what they did - was to 'throw the claim' after you had successfully challenged the CCJ; that had been entered incorrectly against the address (rendering the owners of that address with a 'black mark' against their address; which would have caused any application for credit to be refused)

 

 

With the CCJ successfully 'set aside' - this leaves the original claim they made against you 'open' - are you still with me on this? The original claim is still in the system.

 

The letter from LBL advising you that they do not wish to persue the claim - is not enough to satisfy the court (although it will count against them; now that they have to follow it through and is handy for you to point out to the Judge; when your hearing comes up)

 

They are supposed to follow protocol - in simply writing a letter to you and no doubt copying it to the court is not protocol - the Judge will only have been interested in the comments they made regarding the 'set aside' hearing which you requested.... they now must attend court (or not if they choose not to... doesn't matter to you because it sounds as though your defence is solid)

 

It is for the Judge to decide the outcome of the claim that they brought against you - NOT LBL!!

 

IMO the Judge has done nothing wrong - the only way the case would not proceed would be when the allocation questionnaire that would have been completed (presumeably) by both parties advised the court that the matter was going to be 'mediated' between the parties - in such an instant - the court may have dispensed with a formal hearing.

 

If I am wrong, then I apologise - but I don't think that I am - I am happy to be corrected though?

 

You now get the opportunity to defend the claim properly and counterclaim for a number of things; such as your costs etc - money back in your pocket - and for your time spent.... personally, I would copy all your comments on the forum to give the Judge an idea of just how much time and effort you have put in to clearing your name - and what about the Car? - if they took it.... then they have to get you one back of similar type and performance - Are you saying you were just going to walk away from all that is due to you?

 

Just my thoughts on the matter - hoepfully it helps?

 

Apple : )

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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  • 2 weeks later...
Got a derisory offer for my losses for LBL in advance of the imminant court date.

 

Onyone else been in this position?

 

Hi Ya

 

There will be many who take such offers just to save time and be done with the whole thing.

 

It's your call.... if you think the offer is derisory; then tell them so, tell them what you are willing to accept to shelf the case and make it clear that if they are not willing to conclude on your terms then the matter proceeds to court so that the Judge decides what they should pay (keep any communication between you and them regarding 'settlement' marked up as 'without prejudice' - that way if you get a better offer in court, they can't then say to the Judge 'but he was willing to accept much less')

 

Apple : )

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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Dear Apple

 

In Court tomorrow.

 

Fingers crossed.

 

Thanks

 

Best of luck.

 

Apple : )

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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Been to court.

 

Judge not pleased.

 

Judge considered this an interesting case.

 

Clearly alot of time & effort was put into my defence.

 

Judge was glad that LBL did not content the matter. The Judgement has been Set Aside.

 

My record is to be cleared.

 

The Judge has ordered that we should come to some amicable agreement over cost & compo.

 

However he will keep an I out for this case (yea right) so that it is brought back before him if an amicable soultion is not found.

 

 

 

LBL - They can be beaten

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I nice little additional nugget.

 

LBL started proceeding against me in Jan 09, claiming £5,795 Plus Damages Plus interest.

 

 

I have a letter from LBL to the debtor dated 22/7/10 claiming an outstanding balance of £4,786.20

 

 

Is this cake & eat it.

 

 

 

Is this an abuse of proceedure. ROUND TWO TO ME.

 

Now on the advice of the Judge, I need a solicitor to sue LBL. INTO THE TRENCHES WE GO.

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Hi Joly

 

Well, looks like you have an open market, if it was me i'd do as the judge suggested, get a SOL and nail them, open season..

Sue them for the car + damages, costs...etc etc. A good sol's letter with the threat of going further up the court chain will snap them back.

 

Say 5k (court limit) + costs and replacement car....

 

WELL DONE...its your game now.

 

trooper68

Trooper68:)

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