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    • Hi T911 and welcome to CAG. As you say, an interesting screw up. So much for quality control! Anyway, our regular advice is to ignore all of their increasingly threatening missives... UNLESS you get a letter of claim, then come back here and we'll help you write a "snotty letter" to help them decide whether to take it any further with their stoopid pics. If you get mail you're unsure of, just upload it for the team to have a look.
    • Thanks @lolerzthat's an extremely helpful post. There is no mention of a permit scheme in the lease and likewise, no variation was made to bring this system in. I recall seeing something like a quiet enjoyment clause, but will need to re-read it and confirm. VERY interesting point on the 1987 Act. There hasn't been an AGM in years and I've tried to get one to start to no avail. However, I'll aim to find out more about how the PPC was brought in and revert. Can I test with you and others on the logic of not parking for a few months? I'm ready to fight OPS, so if they go nuclear on me then surely it doesn't matter? I assume that I will keep getting PCNs as long as I live here, so it doesn't make sense for me to change the way that I park?  Unless... You are suggesting that having 5 or so outstanding PCNs, will negatively affect any court case e.g. through bad optics? Or are we trying to force their hand to go to court with only 2 outstanding PCNs?
    • That is so very tempting.   They are doing my annual review as we speak and I'm waiting for their response once I have it I will consider my next steps.    The debt camel website mentioned above is amzing and helping to. Education me alot    
    • Sending you a big hug. I’m sorry your going through this. The letters they send sound aweful, and the waiting game for them to stop. But these guys seem so knowledgable and these letters should stop. Hang in there, and keep in touch. Don’t feel alone 
    • In my time I've never seen a payout/commission from a PPC to a landlord/MA. Normally the installation of all the cameras/payment of warden patrols etc is free but PPCs keep 100% of the ticket revenue. Not saying it doesn't happen mind. I've done some more digging on this: Remember, what your lease doesn't say is just as important as what it does say. If your lease doesn't mention a parking scheme/employment of a PPC/Paying PCNs etc you're under no legal obligation to play along to the PPC's or the MA's "Terms and conditions". I highly doubt your lease had a variation in place to bring in this permit system. Your lease will likely have a "quiet enjoyment" clause for your demised space and the common areas and having to fight a PPC/MA just to park would breach that. Your lease has supremacy of contract, but I do agree it's worth keeping cool and not parking there (and hence getting PCNs) for a couple months just so that the PPC doesn't get blinded by greed and go nuclear on you if you have 4 or 5 PCNs outstanding. At your next AGM, bring it up that the parking controls need to be removed and mention the legal reasons why. One reason is that under S37(5b) Landlord and Tenant Act 1987,  more than 75% of leaseholders and/or the landlord would have needed to agree, and less than 10% opposed, for the variation to take place. I highly doubt a ballot even happened before the PPC was bought in so OPS even being there is unlawful, breaching the terms of your lease. In this legal sense,  the communal vote of the "directors" of the freehold company would have counted for ONE vote of however many flats there are (leases/tenants) + 1 (landlord). It's going to be interesting to see where this goes.  
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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.

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      Many thanks 
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    • 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.
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      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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Lloydstsb reclaiming court claim issued **WON** but more charges!!


jillg
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hello to everyone.

At last I have (I think) found out how to 'post'!

just found out that llodstsb have filed a defence. I know what happens next but am worried. Have they ever won?

They have taken about £4000 from my account and have just phoned to say that they are going to take action against me because I am overdrawn by £1100. Politely told them what they could do.

Also feeling the effects of snowballing! Got a letter from court regarding house repossession and bailiffs are threatening to take the car if we don't pay the rest of the council tax for last year. This is all as a result of the bank xxxxxx money from my account and can be sorted if I win.

 

 

Edited - please do not use words or phrases that may be libelous

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Thanks Jeep,

It is reasuring to know that at least I have a fighting chance and what to tell them if they phone again.

When I sent my DPA letter and payment they asked if I would like my statements for my Lloydstsb credit card as well.Obviously I said yes but they only sent some. I have phoned them and asked for the rest but they still haven't arrived. Can anyone suggest what I should do?

jillg

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I've just received an allocation questionnaire. Can anyone advise on filling it in please? Feeling very worried and desperate about the whole thing as we are struggling financially and need to carry on with this claim to get us out of the mess we are in. Almost £4000 riding on this.

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I've just received an allocation questionnaire.

Can anyone advise how to fill it in please?

 

Very worried and stressed about the whole situation as we are in a complete mess financially but can't and won't give up as this could help us get a bit sorted.

 

Almost £4000 riding on this.

 

By the way the bank are still adding more charges each month.

 

What do I do about these?

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  • 2 weeks later...

Received allocation questionnaire from lloyds tsb today. They have ticked the box to say that they want an extra month so that they 'can attempt to settle the claim either by informal discussion or by alternative dispute resolution.' They have also ticked the yes box to say that there are days when they cannot attend court for the hearing and that is... all of September. I am a bit confused. Does it mean that they are going to make an offer to pay back my money or are they delaying further??

 

I also had the opportunity to talk to Mr. Thomas yesterday and told him that, as the bank had not made a counter claim against me, they should stop trying to intimidate me with court action as I am overdrawn on my overdraft as a result of their charges and as I have taken action against the bank they can do nothing until that matter is resolved.

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Hi Elsinore and brecken and anyone else reading,

Many thanks for the advice. Will contact sols Tues am. Need to get this sorted asap.

Mr Thomas , I believe, is the sol dealing with this. He said that he is only acting on the instuctions of their clients when I told him to stop sending me threatening letters about taking me to court because I have exceeded my overdraft ( which is as a result of the charges against my account). I also pointed out that they did not counter claim so basically they can wait till they pay me!

And yes... he did sound like he needed a holiday!

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I understand that one of the conditions of settling is that the bank will credit the account with any money refunded. Can they withdraw my overdraft and can they take money out to pay my credit card? We are in serious financial trouble as a result of the charges. We have a repossesion hearing on our mortgage at the end of september. If I am able to have control of my money if and when they do refund, then I can get sorted but if they start taking it, then we are in deep s--t.

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Just recieved my offer from SCM. I am not happy with condition 3:

"Payment of £XXXXXXX will be paid in full and final settlement of this claim and any future claims you have or may have against LLoyds TSB Bank plc arising out of, or in any way connected to, this claim, and any further charges on your account."

 

What's all that about? Does it mean that the bank can charge me again and I can do nothing about it? I'm also about to go for the charges to my credit card account.

 

I can't delay too long on settling because of the situation with the mortgage , but I can't sell my soul to the devil either.

 

By the way I,ve just checked my account and found that they have taken a further £98.01 yesterday! Do I tell the solicitor that they now need to add the £98.01 to the settlement?

 

Time is really of the essence in my case, especially as I am going to request payment by cheque.

 

I don't think I have ever been as stressed as I am at the moment.

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  • 2 weeks later...

I think Lloyds are trying to pull a fast one!!!!

 

I returned the offer to scm with the bit about future claims etc deleted and signed.

I also told them that I wanted paying by cheque and that they should also refund the £98.

I added that I would not be coerced into accepting any other conditions.

 

Yesterday I checked my account and found that they have credited it with the original amount, which really annoyed me, if you know what I mean. They have to have control of my money and where it goes and also have the last word.

 

I went straight down there and got a cheque made out to pay the mortgage (to stop the repossession hearing).

They charged me £10 for this! ( my debit card had expired last month and they didn't send me another one)

 

Now I am going to phone to see if they will refund the £98 or I will start again.

 

Today I have at last received the statements for my credit card after sending a letter re court action if they did not reply in 7 days (from templates). I have been waiting for these since March!!!! but because of a feeling of inertia due to our financial situation I didn't feel able to tackle that at the same time.

 

Having won, I now (well almost) I feel I can now do it.

 

Last night I slept through for the first time in ages, knowing that the repo hearing will be cancelled.

 

Cheers everyone. I couldn't have done it without you.

 

Just phoned ltsb only to be told that they are not in a position to refund the £98.

so it looks like I have to go through all the process again!

 

Has this happened to anyone else?

 

These charges have been added whilst their solicitor was offering to settle. It is so frustrating and annoying!!!!

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I like the idea, Tim. I would never have thought of that and I will seriously give it some thought as they obviously took the excess overdraft which was only one of my debts. Hmmm

 

Thanks Mindzai, will send off letter today and may incorporate it with Tim's suggestion.

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  • 2 weeks later...

Sent letter to scm informing them that as their clients didn't comply with the terms of settlement ie pay the resently applied charges and pay me by cheque that I will be going ahead with the court case against them, and as a result I will be seeking compensation for undue hardship and distress caused by their actions.

Court date is 27 Nov. Can't wait!

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When you get your aq fill it in and return it , send a copy to lltsb sols.

they also get an aq, so you will get a copy of this.

 

on mine they had ticked the box requesting a further month ,supposedly to come to some agreement.

 

when you get this give them a ring (see earlier posts in this link) and dont settle for anything less than they have taken from you.

 

As you can see I got most of my money but have told them that I am going ahead with the court action as they have not complied with my terms.

 

It's a pity that they waste so much time and obviously there money.

It must be costing them a fortune in solicitors fees.

Do I care?

 

Don't be intimidated. Good luck. Jill

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  • 1 month later...

Today I received a letter from SCM telling me that as the settled at the end of August they have told the court that the case is settled and that i should do the same. NO WAY!! As they are still adding charges to the account which I have not been able to use as I can't afford to lose any more money I will see them in court on 27th Nov. I am so angry about the knock on effect that the charges have had on my family's finances that i owe it to them and myself to make this stand. It really has been horrible and very upsetting.

Jill

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Thanks for the support Pete.

Has anyone recieved any compensation for the problems caused by bank charges?

Also, Got letter from bank yesterday, telling me that my overdraft facility has now been removed and that they will now be charging me 29.9% apr on the amount that i am overdrawn (Over £600). Its Ironic that I am in this position as a result of their charges. I know that they are trying to make me afraid of going to court but it won't work because I am too bloody angry.

Got the date of the court hearing mixed up - it is on the 21st. Will keep you all posted!

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  • 1 year later...

After the bit about being able to reclaim charges if you are in financial difficulties I wrote to lloydstsb asking for my money back as we are really in deep sh--. We have got 3ccj's and have arrangemnets with our creditors etc and basically have no life apart from work worry and stress. we can't even afford to get our son a birthday cake never mind a present.

They wrote back to me on 19 of August saying they would let me know in a weeks time. They got back to me today with a standard letter that just explains about charges and hearings etc.

Obviously I am feeling messed about and very frustrated but don't really know what to do next.

Any suggestions?

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