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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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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.

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      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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      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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Cahoot Flexi Loan


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Been told today by Santander that they are unable to send me my original signed CCA as it was signed over 6 years ago and would be no longer be stored on file.

 

Interesting, the FOS would love to here about that.

 

Hook line and sinker then shaneo.

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Email ceo at santander.co.uk yesterday had an email and a phone call. This really does work,

 

Dear Mr Piper,

Thank you for your recent communication addressed to Ana Botín, Chief Executive Officer, Santander UK. Your complaint has been passed to our Executive Complaints Team who will carry out a full investigation and should respond to you directly within the next 10-14 working days.

High quality customer service is of great importance to us at Santander and we will do everything we can to resolve your complaint in a timely and satisfactory manner. I am confident we can resolve this for you quickly and, in doing so, go some way towards restoring your faith in Santander.

Faye Muggeridge in our Executive Complaints Team will contact you shortly to discuss your concerns in more detail. Alternatively, you can contact the team on 01908 719345

You may also be entitled to refer your complaint to the Financial Ombudsman Service if you do not feel we have resolved your complaint to your satisfaction. More information about this will be provided with our resolution letter.

Thank you & kind regards

Kaye

Executive Complaints Team

Santander UK plc, 201 Grafton Gate East, Milton Keynes, MK9 1AN

Telephone: 01908 719345

E-mail: [email protected]

 

Faye, said that she is dealing with my account I have her personal number and will have a letter in 10 - 14 days. Of course if I am not happy with the result I have her number to hound :)

 

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Email ceo at santander.co.uk yesterday had an email and a phone call. This really does work,

 

Dear Mr Piper,

Thank you for your recent communication addressed to Ana Botín, Chief Executive Officer, Santander UK. Your complaint has been passed to our Executive Complaints Team who will carry out a full investigation and should respond to you directly within the next 10-14 working days.

High quality customer service is of great importance to us at Santander and we will do everything we can to resolve your complaint in a timely and satisfactory manner. I am confident we can resolve this for you quickly and, in doing so, go some way towards restoring your faith in Santander.

Faye Muggeridge in our Executive Complaints Team will contact you shortly to discuss your concerns in more detail. Alternatively, you can contact the team on 01908 719345

You may also be entitled to refer your complaint to the Financial Ombudsman Service if you do not feel we have resolved your complaint to your satisfaction. More information about this will be provided with our resolution letter.

Thank you & kind regards

Kaye

Executive Complaints Team

Santander UK plc, 201 Grafton Gate East, Milton Keynes, MK9 1AN

Telephone: 01908 719345

E-mail: [email protected]

 

Faye, said that she is dealing with my account I have her personal number and will have a letter in 10 - 14 days. Of course if I am not happy with the result I have her number to hound :)

 

 

 

 

 

 

Good Luck it looks optimistic but let's see what materialises ;-)

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  • 2 weeks later...

I have a wonderful christmas present from Santander. Today I have received a letter from the Chairman Exec Complaints. Who has concluded that the loan is variable and has been slashed from 21.3% down to 12.28% for the foreseeable future of the loan.

 

The best part is that they have calculated this from 1st January 2004 when the first interest rate increase was applied. 8.6% to 12.28%. Santander has recalculated the interest rate from then and has refunded me £2842.65, which leave me with one payment of £113 to pay and I will be debt free :)

 

So contacting the CEO of Santander really does work.

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I have a wonderful christmas present from Santander. Today I have received a letter from the Chairman Exec Complaints. Who has concluded that the loan is variable and has been slashed from 21.3% down to 12.28% for the foreseeable future of the loan.

 

The best part is that they have calculated this from 1st January 2004 when the first interest rate increase was applied. 8.6% to 12.28%. Santander has recalculated the interest rate from then and has refunded me £2842.65, which leave me with one payment of £113 to pay and I will be debt free :)

 

So contacting the CEO of Santander really does work.

 

Perhaps emailing the CEO could be the way forward for my PPI claim? I've written once to London and three times to Bradford in the past eight weeks (enclosing letter, FOS questionaire and graphs - and sent by registered post) - but heard zilch.

 

Now been told to wrote to Milton Keynes instead... Feel like tearing my hair out.

 

I want to claim back my PPI and interest. I am fighting for what I believe I am owed - but Cahoot is certainly not making this battle easy.

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I have a wonderful christmas present from Santander. Today I have received a letter from the Chairman Exec Complaints. Who has concluded that the loan is variable and has been slashed from 21.3% down to 12.28% for the foreseeable future of the loan.

 

The best part is that they have calculated this from 1st January 2004 when the first interest rate increase was applied. 8.6% to 12.28%. Santander has recalculated the interest rate from then and has refunded me £2842.65, which leave me with one payment of £113 to pay and I will be debt free :)

 

So contacting the CEO of Santander really does work.

 

 

Great news Shaneo, looks like the way forward.

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  • 2 weeks later...

Have been following this thread at Moneysavingexpert, many of their posters are being settled for their Flexiloans, calculations not really being made transparent by Santander. Also note that refunds to running accounts are being done, but the hiked rate of interest is being applied on the balance (20%+)

I have asked if anyone is claiming interest in restitution, but they all seem to be glad to be receiving a cheque that they are not bothered about any more cash.

I personally think Santander are getting off quite easily.

Any caggers received refunds?

Don\'t let the B**tards grind you down

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My Cahoot account is currently with Moorcroft and they are corresponding with me, will have to tell them in the next few weeks to lower their figures due to the interest clawback.

Don\'t let the B**tards grind you down

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I have now sent Complaint emails to Santander for mine and my Husbands account regarding the Loans. We have Moorcroft threatening us with legal action aswell now if we don't pay until the 9th Jan. Only received the letter today.

 

Both accounts haven't received any proper DN, and for one account we have received notice of closure.

 

I just hope these emails will get us somewhere. We had tried to arrange lower payments and made them every months since then, to no avail. We still pay approx. 75% of the minimum payments, which i thought was reasonable...even though we could do with lower ones, but we make do.

 

I have also stated in the emails that we now consider those accounts to be in Dispute....i just hope they accept that, it'll buy us some time maybe.

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  • 1 month later...

I gather they've started paying people back the excess interest automatically now?

 

My interest was already frozen as I'd been defaulted and CAB had got involved. When I won at the Ombudsman I got an interest refund of the "excess" interest. I didn't see any cash of course just a reduction in my balance.

 

Am happy to share the info of course just don't want to give away too much personal info as my account is ongoing :) Suspect I've already told enough to be identifiable to the bank so it doesn't really matter now.

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What amazes me is that they sent me a cheque for £5K and never took it off the outstanding balance, this is confirmed by the statement they sent last week, surely if I was due them money they should have reduced balance?

 

Also saying that loan will now run at 20% + interest rate, no calculation shown, though some are saying their rate has been reduced to 0%.

 

If I continue paying the loan at those rates, the refund will only be a drop in the ocean.

 

Santander are only refunding to those who e-mail/write in and in their reply they are accepting no liability and refund is a gesture of goodwill.

Don\'t let the B**tards grind you down

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They sent you a cheque? I argued for that but got nowhere. Oh well.

 

There appears to be no logic to how these folks operate. They refund you because the interest rate is extortionate, whilst you still owe them money, AND they're still gonna charge u credit card levels of APR?! Doesn't make any sense to me!

 

Presumably they haven't defaulted you yet? All of my accounts in arrears were defaulted some years ago and I've not paid interest on any of them since then.

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  • 2 weeks later...

See they have started to rethink their refunding, some people on MSE are now being rejected with no case to answer.

 

Seems the gravy train is now drying up.

Don\'t let the B**tards grind you down

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  • 2 weeks later...
  • 3 weeks later...

There seems to be a large amount of rejection letters going out from Santander, some people have had further refunds as adjustments to their settlement figures, but rejection is the main way they are going.

Most are now going to the FOS, hope they are not holding their breath as in my experience you would be better talking to a rocking horse than the FOS.

Don\'t let the B**tards grind you down

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  • 2 months later...

King, and others, I went through the CEO route, I had been making nominal payments each month because I felt that they were increasing apr for the sake of it, I was paying the full minimal payment, had not missed any payments, when I contacted them to complain they told me they did not have to explain why they were increasing my interest rate.

It seemed that not long after I took money out I would get a hike.

So that is when I started the minimal payment.

They were sending me statements for some considerable time acknowledging the minimal payment I was paying and interestingly the interest rate was at 0%

Then out of nowhere came a letter demanding immediate payment of the arrears.

I had at no point had a letter from them saying i was not paying enough.

This is more or less the point at which I contacted ceo.

I dont want to disclose too much here because of the obvious.

Bottom line of their response to my complaint is that they feel they did nothing wrong, that at some point I could have applied for a different account with abbey, they pointed again to the loan being variable, but then suddenly nearing the end of their reply they in a round about way say "however, we have decided to close the account and will take the steps required "

Just seems odd that they are saying they were in the right but are not holding their ground, but there you go.

Best of luck all.

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