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    • I found that the parkin attended has a car with CCTV camera on it, however as I stated earlier, it seems that he did not take video of my car otherwise they would have stated so in the SAR. parking car .pdf
    • The rules state that "approved devices may only be used in limited circumstances"  I was not a threat. I was not present. I did not drive away. I think he has not fulfilled the necessary requirements justifying issuing me a PCN by post therefore the PCN was issued incorrectly and not valid.  What are your thoughts?  
    • I have also found this:  D.2 Service of a PCN by post: 54) There are some circumstances in which a PCN (under Regulation 10) may be served by post: 1) where the contravention has been detected on the basis of evidence from an approved device (approved devices may only be used in limited circumstances) 2) if the CEO has been prevented, for example by force, threats of force, obstruction or violence, from serving the PCN either by affixing it to the vehicle or by giving it to the person who appears to be in charge of that vehicle 3) if the CEO had started to issue the PCN but did not have enough time to finish or serve it before the vehicle was driven away and would otherwise have to write off or cancel the PCN 55) In any of these circumstances a PCN is served by post to the owner and also acts as the NtO. The Secretary of State recommends that postal PCNs should be sent within 14 days of the contravention. Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations. This from London Councils Code of Practice on Civil Parking Enforcement.  The question is what is an approved device? Certainly, he had the opportunity to place the ticket on my car and I didn't drive away.  I looked further and it seems that an approved device is a CCTV camera - It seems that the photos taken were not actual film but images and it is not clear if they are taken from a video or are stills. I'm guessing if it was moving images then the SAR would have stated this.    From the Borough of Hounslow website: "There are two types of PCN issued under the Traffic Management Act 2004, which governs parking contraventions. The first is served on-street by a Civil Enforcement Officer, who will observe a vehicle and collect evidence before serving the PCN either by placing it in a plastic wallet under the windscreen wiper, or by handing it to the driver. The second is a PCN served by post, based on CCTV footage taken by an approved device, which has been reviewed by a trained CCTV Operator."   From Legislation.gov.uk regarding approved devices: Approved Devices 4.  A device is an approved device for the purposes of these Regulations if it is of a type which has been certified by the Secretary of State as one which meets requirements specified in Schedule 1. SCHEDULE 1Specified requirements for approved devices 1.  The device must include a camera which is— (a)securely mounted on a vehicle, a building, a post or other structure, (b)mounted in such a position that vehicles in relation to which relevant road traffic contraventions are being committed can be surveyed by it, (c)connected by secure data links to a recording system, and (d)capable of producing in one or more pictures, a legible image or images of the vehicle in relation to which a relevant road traffic contravention was committed which show its registration mark and enough of its location to show the circumstances of the contravention. 2.  The device must include a recording system in which— (a)recordings are made automatically of the output from the camera or cameras surveying the vehicle and the place where a contravention is occurring, (b)there is used a secure and reliable recording method that records at a minimum rate of 5 frames per second, (c)each frame of all captured images is timed (in hours, minutes and seconds), dated and sequentially numbered automatically by means of a visual counter, and (d)where the device does not occupy a fixed location, it records the location from which it is being operated. 3.  The device and visual counter must— (a)be synchronised with a suitably independent national standard clock; and (b)be accurate within plus or minus 10 seconds over a 14-day period and re-synchronised to the suitably independent national standard clock at least once during that period. 4.  Where the device includes a facility to print a still image, that image when printed must be endorsed with the time and date when the frame was captured and its unique number. 5.  Where the device can record spoken words or other audio data simultaneously with visual images, the device must include a means of verifying that, in any recording produced by it, the sound track is correctly synchronised with the visual image.
    • Hearing took place today.  Case dismissed with costs awarded. Neither UKPC or a representative turned up.  Apparently they messaged the court on 7 May asking for their case to be considered on paper.  Never informed me, which was criticised by the judge as not following procedure.  I was really annoyed as I would have preferred for the case to be thrown out before the hearing, or at least face them in court and see them squeal.   They are just playing a numbers game and hope you blink 1st!   Ended up having to change my flight, but  the costs awarded softens the blow. Was asked to confirm it was my signature on both the witness statement and supplementary statement.  Wasn't asked to read them, said she could see my arguments made and the signs were insufficient and no contract formed. Took maybe 10 mins in total.  Judge did most of the talking and was best for me just to keep quiet or confirm any statements made. Happy to have won as a matter of principle and have costs awarded. Maybe not worth all the time and hassle for any newbies or the technologically challenged.  But if you are stubborn like me and willing to put in the time and effort, you can beat these vultures! I big shout out to everyone who helped on the thread with their advice and guidance, special mention to FTMDave, thank you sir!  Really appreciate everyone's efforts. All the best!
    • I plan to be honest to avoid any further trouble, tell them that the name should be changed to my official name
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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
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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.

      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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Sandra v the YB **SETTLED**


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Your LBA was sent 1 Aug? So you're due to file at moneyclaim. I wouldn't give them a further 14 days, 7 at most.

 

As a gesture of goodwill, I will allow you a further 7 days. If you do not comply fully before 5pm on Monday 21st August, then I shall begin a claim against you for the full amount plus interest, plus my costs and without further notice.

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Well surprise, surprise, The YB are calling my bluff! Oh eck!!

 

Having refused to accept their offer of 50% of what I am claiming, their letter says, and I quote: -

 

'To reiterate -"This cheque is tendered without admission of liability and is in full and final settlement of your claim and your encashment of it will be taken as your acceptance of this".

 

The Office of Fair Trading made comment on 'late payment of fees' levied by credit card issuers. There has been no ruling or investigation on charges relating to current accounts. Nevertheless, the Bank has made a generous offer which will not be increased.'

 

1. Would anybody like to comment on what they say?

 

2. I have started to complete the Moneyonline claim form - is the defendent the Yorkshire Bank or is it Clydesdale Bank cos even though I have been sending my correspondence to the YB, it has been Clydesdale that keep responding.

 

3. Sometimes I start to type into my thread and then go off to look something up but when I come back into my thread, whatever I typed in, has gone. Is there any way of saving it or do I have to complete and post it in one go?

 

Thanks muchly

Sandra

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Well surprise, surprise, The YB are calling my bluff! Oh eck!!

 

Having refused to accept their offer of 50% of what I am claiming, their letter says, and I quote: -

 

'To reiterate -"This cheque is tendered without admission of liability and is in full and final settlement of your claim and your encashment of it will be taken as your acceptance of this". They are in no position to dictate terms. I suggest you just send it back and say you are claiming the full amount through the court.

 

The Office of Fair Trading made comment on 'late payment of fees' levied by credit card issuers. They also commented on the high level of charges imposed by the banks when they were investigating credit card charges, which took the banks by surprise as they didn't have the opportunity to discuss it with the OFT before it was published. There has been no ruling or investigation on charges relating to current accounts. Yet, but I think it is in the pipeline. Nevertheless, the Bank has made a generous offer which will not be increased.' Let's see what the courts have to say about that.

 

1. Would anybody like to comment on what they say? In red..

 

2. I have started to complete the Moneyonline claim form - is the defendent the Yorkshire Bank or is it Clydesdale Bank cos even though I have been sending my correspondence to the YB, it has been Clydesdale that keep responding. Clydesdale Bank plc t/a Yorkshire Bank. Do not use address in Scotland.

 

3. Sometimes I start to type into my thread and then go off to look something up but when I come back into my thread, whatever I typed in, has gone. Is there any way of saving it or do I have to complete and post it in one go? Happens to me as well. Try using more than one window.

 

Thanks muchly

Sandra

 

:)

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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1. Tear the cheque in 2 and send it back.

 

2. Whoever your a/c is with.

 

3. If you're typing a post and want to go off and look at something, press Ctrl N. This will open a new page. Navigate from this page to wherever you want to go.

Then click on the 'Sandra v YB' in the taskbar at the bottom of the screen to go back to your original post.

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  • 1 month later...

Hello Everybody

 

For one reason and another I've not been able to progress my claim but now I'm back and I'm completing the Money Claim on line. As my letter of refusal to the bank's offer was on the 14th August, have I prejudiced my case and can I still proceed with the moneyclaim?

 

I would appreciate a little bit of clarity on completing the 'particulars of Claim' section on the form. This is what I have done so far: -

 

The Claimant has an account number xxxxxxxx ("the account") with the Defendant bank which was opened on or around 1989 and which is conducted on their standard terms and conditions. The Claimant is claiming the return of money taken by the Defendant in the way of charges over the last 6 years plus the interest they have levied on those charges. The bank's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. Further, as a disproportionate penalty they are invalid under the Unfair (Contracts)Terms Act1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999. para.8 and sch.2(1)(e). In the event that the charges are not a penalty then they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15.

The claimant claims £430 plus interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from 7/8/2000 to 1/10/2006 of £73.86 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of ?%

 

Is it sufficient to simply state '£430' or do I need to show how I have calculated it?

 

What should the daily rate of interest be or should I reword it to say 'at the current daily rate of interest'?

 

The amount claimed (as entered on the form), should this be exclusive or inclusive of the interest?

 

Thanks - I await replies with baited breath.

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You do need to show aschedule of charges, but you can't do it on moneyclaim. send 2 copies to MCOL claerly marked with your calim no. to:

 

The Court Manager,

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

 

 

Daily rate is your charges £430 x 0.00022= £0.09p

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Thanks Michael

 

Just to confirm - I should proceed with the MCOL and support it by sending 2 copies of my calculated charges spreadsheet to the address you provided, identifying the case with the claim no.?

 

Any views on - the timescale between when I last wrote to YB (14/8/06) and my Moneyclaim?

- The amount claimed (as entered on the form), should this be exclusive or inclusive of the interest?

 

thanks

Sandra

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You do your money claim once 14 days have passed since you issued your LBA. SO yes you can issue it now.

 

Send a copy of your schedule of charges to the court. You can print off a copy of your online N1 and attach it so at least they are together.

 

The amount that you enter on the form must include the 8% interest you are claiming.

 

Hope that helps.

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I have completed the MCOL and sent 2 copies of the schedule of charges together with an accompanying letter by post. Hopefully, Northampton County Court will marry the 2 together.

 

I have also sent a PM to Caro to add my thread to the Litigation in Progress section.

 

I would very much appreciate a volunteer to be my buddy at this stage - any offers?

 

Regards

 

Sandra

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  • 2 weeks later...

I have today received a letter from the Clydesdale bank which reads as follows:

 

'You have failed to provide details of the account you claim to hold with the Bank (sort code and Account No) nor have you provided sufficient details of the charges you allege should be refunded (date and amount levied).

You are required to provide these necessary details to us by no later that 13th October 2006.

Should you fail to provide such details, we will apply to the court to have your claim struck out pursuant to CPR Part 3.4 (2) © and that you be ordered to pay our costs of the proceedings subject to detailed assessment on the basis that you have failed to provide full particulars of claim as required by the Civil Procedures Rules.'

 

Well, all of my correspondence was sent to my branch of the Yorkshire Bank (I have never written directly to the Clydesdale in Glasgow). I have quoted my account number on all correspondence but not my sort code. Why would I, when they hold my account? I have also sent to my branch a schedule of the bank charges I am claiming, together with the the interest calculation as per the spreadsheet I downloaded from the library.

 

Surly the responsibility lies with the Yorkshire Bank to pass this information to the Clydesdale in Glasgow.

 

Shall I now send a copy of the schedlue of charges to the Clydesdale with a snotty letter?

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A very nice reasonable letter would be good, to show how reasonable you are and show them up for the bullies that they are.

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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  • 2 weeks later...

Well, I have been watching the days tick past and by my reckoning the YB's 21 days is up tomorrow. I've checked today on my MCOL and nothing has happened since they Acknowledged the Service. If I receive nothing in the post tomorrow morning or nothing changes on my MCOL, should I seek a judgment against them on Sunday via the MCOL.

 

What do we think out there? Am I rushing ahead, does it make any difference whether I seek a judgment immediately or later next week?

 

Regards

Sandra

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Well, I have been watching the days tick past and by my reckoning the YB's 21 days is up tomorrow. I've checked today on my MCOL and nothing has happened since they Acknowledged the Service. If I receive nothing in the post tomorrow morning or nothing changes on my MCOL, should I seek a judgment against them on Sunday via the MCOL.

 

What do we think out there? Am I rushing ahead, does it make any difference whether I seek a judgment immediately or later next week?

 

Regards

Sandra

Enter judgement as soon as you can. You are one of the lucky few :D

 

Once they have acknowledged they have 14days to either cough up or say they are going to defend.

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Having acknowledged YB have 28 days from the deemed date of service to defend which puts it somewhere around the 4th Nov.

 

Help me here please :D

I thought that once the claim has been issued they have to acknowledge it within 14 days, and once they have done that have to defend or pay up with a further 14 days? :confused:

 

Edit: That's 28days isn't it? :oops: Ignore me, it's been a looooooooooooong and stressful week :-|

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Thanks

That makes sense. I was taking the deemed date of service as being the date that I issued the MCOL. Looking more closely at the Notice of Issue, it does say the 7/10 as the deemed date. I knew it was too good to be true!! Well, I'll just have to sit tight for another week.

 

I'll keep you posted.

 

Sandra

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I would hazard a guess that they will defend at the very last moment, or you might even enter judgment and then they will ask for it to be set aside, and get it. Unless they plan on changing tactics again. I hate to be so negative but they just delay everything so much. It drives you mad sometimes but they will give in eventually.

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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  • 2 weeks later...

I have today received an offer from YB for the full amount plus the cost of submitting my claim but not for the interest and I am very happy with that. I know some of you may not agree with me but I am going to accept the offer. the interest did amount to £73 but I have taken the view that this amount does not cover my time in preparing a case for court and if I'm really being honest I don't think I could go through with it. I would like to thank everybody that has helped me to get this far and I will be makin a donation once the money arrives.

 

Good luck to everybody else - keep at them.

 

By the way, I'm going to proceed on behalf of my son - which has been on hold for a while.

 

Thanks again.:D

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