Jump to content


  • Tweets

  • Posts

    • I’m tempted to send a letter to the company outlining the reasons why I think their PCN is illegitimate. I guess will technically be an appeal.  Their documentation states they won’t discuss over phone, I also don’t want them to have my email address.    re signage on entrance, having looked at land registry, the whole road is private, and when you turn into the road off the highway, there is a sign on the lamppost about 20m in, again not noticeable and on the other side of the road.  I feel like I am in a difficult position with this, I understand that I may have a good chance of not having to pay, but at the same token the stress this is already causing me makes me feel like it’s not worth the £60!
    • Well done with the photo. Of course the signage is insufficient.  PPM are not interested in competent management of a car park, they are interested in catching drivers out so they can issue their PCNs. For a start, according to their trade associations' Codes of Practice, they are supposed to have signage at the entrance. Any e-mail reply from the company and whether they will/won't/can/can't get the invoice cancelled?    
    • I will annotate the message I sent for the forum.  Sorry, didn't see this straight away...
    • I went back to the area, this photo is taken on entry. My vehicle was parked in the first space on the left.    Would you say there is sufficient signage ? It’s different to the street view as one sign is missing. The sign nearest to where I parked is 2.23m above ground! So even if the car had been reversed parked in front of it, I don’t think it could be seen. PCN PPM.pdf
    • Thank you. I expect that @dx100uk will be along soon to give advice. Meanwhile, I really wonder whether the default date – as being the starting point of the six years – something which has been decided in law. It has always seemed to me to be extremely unfair. According to the limitation act, the six year period begins from the date on which the cause of action accrued. This normally means that the breach of contract occurred. Section 6 of the limitation act says that in terms of loans, the cause of action begins on the date that the debt was "demanded". Over the past two years this has come to mean the date that the default notice was issued – but I have to say I don't find that very satisfactory. If you received demands for payment before then then I don't see why section 6 shouldn't refer to that date. Did you not receive any correspondence at all in 2017/2018? What was the value of the original loan – and how much you pay off? I see that there was some kind of instalment agreement. Tell us about that. See what my colleague @dx100uk says but anyway, if I were you I would send off an SAR immediately both to the claimant and also to the original creditor. It costs you nothing. There is no downside. Get in the post straightaway with some kind of utility bill establishing your identity. You can even include a copy of the claim form as well as proof of your identity
  • 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

about to start with the bank of scotland


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6492 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

hi, just putting my self on the list of go get me my money

 

have almost completed the first stafge as in requesting 6 years worth of statments, after 15 days i get the first 4 years to fing that 6 months from each year is missing (jan, feb, apr, may, jul, aug, oct and nov of every year) and from 04 onwars is not even been printed, after a polite but firm phone call, in witch i stated i'm paying for this get it sorted. i receve the rest in under 5 days wow.

 

just amened the letter and have listed the charges anf total amount i'm claiming back. so here we go stage one.

 

andrew

BoS Letter recived "their now looking into it 04/8/06

BoS Account 1 letter before action sent 16/8/06

BoS Account 2 counsumer rights sent 2/8/06

Link to post
Share on other sites

Hello Andrew - I think we'll be on roughly the same timeline. I have just sent my preliminary approach for repayment letter for £1,990 + interest. I am in Aberdeen, Scotland so limited to under £750 small claims or £1500 summary cause so will have to sever the claim. How much are you claiming for?

 

Mark.

  • Confused 1
Link to post
Share on other sites

hi suzi,

 

i've yet to work out the intrest but the charges them selves come too £1,400. so am having to do small claimes twice to get the full amount back if the bos dont cough up before court :( a hassle but worth it in the end :)

 

good luck in your claim

 

andrew

BoS Letter recived "their now looking into it 04/8/06

BoS Account 1 letter before action sent 16/8/06

BoS Account 2 counsumer rights sent 2/8/06

Link to post
Share on other sites

Hi guys....

 

Ive just sent my prelim off too as of fri 28

 

My total is about £5200 so i'm splitting it to feb this year at £4900 and ive told em I'll be coming back for the rest !!!!

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

Link to post
Share on other sites

slight error in my original adding up they owe me £1800, glad my wife checked.

 

good luck to use all :)

 

and have at them...

BoS Letter recived "their now looking into it 04/8/06

BoS Account 1 letter before action sent 16/8/06

BoS Account 2 counsumer rights sent 2/8/06

Link to post
Share on other sites

well the letter asking for my £1800 was posted today. let battle be joined :))

BoS Letter recived "their now looking into it 04/8/06

BoS Account 1 letter before action sent 16/8/06

BoS Account 2 counsumer rights sent 2/8/06

Link to post
Share on other sites

also starting the ball rollong on my second account with the faceless evil of Charges :)

BoS Letter recived "their now looking into it 04/8/06

BoS Account 1 letter before action sent 16/8/06

BoS Account 2 counsumer rights sent 2/8/06

Link to post
Share on other sites

hi there, i have spent the last 2 days in talks with the royal bank of scotland. this month alone they have charged me £889. with no end in sight as each time my money goes in, they take it, with nothing lweft to pay the direct debits. hence more charges. how do i start the process of getting it all back

Link to post
Share on other sites

first of all i'm no expert i'm following the step by step myself but read the FAQ on this forum it will have a lot of your answers but look at this link also it has you step by step guide to claiming you money back.

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/243-step-step-instructions.html

 

tip: follow the steps and there is little that can go wrong dont rush. dont give them an excuse to keep YOUR money.

 

hope that helps;)

BoS Letter recived "their now looking into it 04/8/06

BoS Account 1 letter before action sent 16/8/06

BoS Account 2 counsumer rights sent 2/8/06

Link to post
Share on other sites

hi,

 

update on the 5th aug gor a letter from the bank telling me they will look into my clame. Question does the 14 dyas in the letter mean 14 working days or 14 days? just so i'm clear on when to send the second letter.

 

thanks for help in advance

andy

BoS Letter recived "their now looking into it 04/8/06

BoS Account 1 letter before action sent 16/8/06

BoS Account 2 counsumer rights sent 2/8/06

Link to post
Share on other sites

Hi there

I asked for the last years statements about 3 months ago and they took the £5 charge off my account the very next day, I still havent received these statements. Has anyone else had this problem? Any advice?

Link to post
Share on other sites

my advice is phone your or go personally to you branch and politly demand these be print for you now, as you have waited quire long enough, the request and the £5 charge will be on your accounr details so there have no come back. though they may stat that they can only print about 2 years worth from there teminals in branch and must ask for further year to be done with in the 5-10 working days period. bur since your not going back all that far they should be able to print this off for you then and there.

 

hope that helps

BoS Letter recived "their now looking into it 04/8/06

BoS Account 1 letter before action sent 16/8/06

BoS Account 2 counsumer rights sent 2/8/06

Link to post
Share on other sites

  • 2 weeks later...

just an update here

 

third letter posted (letter before action) 14 day away from moving in to the court stage of this process. and all i got was a crumby letter stating they pass it on to there complaints department. well lets see what happens now. most likely nothing or pay off offer. but i'll keep you up to date.

BoS Letter recived "their now looking into it 04/8/06

BoS Account 1 letter before action sent 16/8/06

BoS Account 2 counsumer rights sent 2/8/06

Link to post
Share on other sites

yet another update:

 

telephone call from the customer services dept of the HBoS offered £200. witch was politley refused, with the explanaition that the HBoS owed £1775 not £200, the offer was improved on to give me back the last 6 month worth of charges, totaling £750 again i politley refused stating that this was £1025 short of what was owed (and if this was reversed i would not be getting such a leniant treatment or let off with £1025 in money owed the bank) but would be taken as a part payment with the rest to follow. The lady (Elaine Brown) said that this would be a one off payment to settle the debt. so i stated that the 14 day period for full repayment before further action ended on the 30th of this month (Aug) the HBoS have till then to pay in full or face further action. Elaine said they would be sending out a leaflet in the next few days. the sorry continues in 7 days time...

BoS Letter recived "their now looking into it 04/8/06

BoS Account 1 letter before action sent 16/8/06

BoS Account 2 counsumer rights sent 2/8/06

Link to post
Share on other sites

  • 2 weeks later...

I'm curious about this. BoS's merger (not a takeover) has resulted in a Byzantine ownership and business structure (I assume due to BoS's legal foundation in an Act of Parliament rather than just incorporating like anybody else). As far as I'm concerned I'm a BoS customer, always have been, but who actually provides my account and services now, I have no idea. As my claim is > £1500, it would be a lot easier if I could file via Moneyclaim. Anyone have any wisdom on this?

 

Cheers,

Calum

Link to post
Share on other sites

sorry i have no idea i am proceding with my claim through the BoS as that was where my account wa based and as far ans i'm conscered is still based.

BoS Letter recived "their now looking into it 04/8/06

BoS Account 1 letter before action sent 16/8/06

BoS Account 2 counsumer rights sent 2/8/06

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...