Jump to content


  • Tweets

  • Posts

    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
  • Recommended Topics

  • 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
  • Recommended Topics

Validity of claims management companies? Moved from "Unenforceability Cases on hold until further notice"


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5152 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 first time in this forum-but have been following with interest the situation over the credit limit issue-ie "The manner in which the credit limit is set" sch 6 for S127(3) purposes in the Leeds case as outlined by Axiom99-especially the case at Leeds County Court where the Judge is having a think about it-Judge Langan and R mitchell-I agree with the arguments here, some method of determination is required. I have two whereby the term states- " The Bank will determine the credit limit and notify you of any changes from time to time"-ok it is in schedule 1-but not schedule 6-Solicitors and experts seem to think that is ok as a prescrbed term for the manner in which the credit limit is determined-how the manner in which you determine something by determining it beats me-My question is has Judge Langan passed down his judgment on this one yet at Leeds-does anyone know-as mentioned by others the judgment here could have very significant consequences.:shock:

Edited by CCAMAN
Link to post
Share on other sites

Hi first time in this forum-but have been following with interest the situation over the credit limit issue-ie "The manner in which the credit limit is set" sch 6 for S127(3) purposes in the Leeds case as outlined by Axiom99-especially the case at Leeds County Court where the Judge is having a think about it-Judge Langan and R mitchell-I agree with the arguments here, some method of determination is required. I have two whereby the term states- " The Bank will determine the credit limit and notify you of any changes from time to time"-ok it is in schedule 1-but not schedule 6-Solicitors and experts seem to think that is ok as a prescrbed term for the manner in which the credit limit is determined-how the manner in which you determine something by determining it beats me-My question is has Judge Langan passed down his judgment on this one yet at Leeds-does anyone know-as mentioned by others the judgment here could have very significant consequences.:shock:

 

I don't think that judgement has been handed down yet I am trying to find out and will post here when I do.It will obviously be of great significance if it is found in favour of the creditor but I will be surprised if it goes that way,not because of legal principles but because of the implications.

Link to post
Share on other sites

I don't think that judgement has been handed down yet I am trying to find out and will post here when I do.It will obviously be of great significance if it is found in favour of the creditor but I will be surprised if it goes that way,not because of legal principles but because of the implications.

 

 

Many thanks for your reply, I shall keep watching this thread.

Link to post
Share on other sites

Funny that - I have a quote from an MBNA drone on the phone from a couple of weeks ago - "MBNA never takes anyone to court" - I wonder what she meant by that?

 

Perhaps, the MBNA drone meant:

 

In the case of an irredeemably unenforceable credit agreement and/or, a credit agreement that involves a 'Dispute' about the mis-selling of payment protection insurance.

The MBNA company policy, is to sell (assign) the account to a debt buying firm (DCA), this firm will then issue court proceedings throught the Northampton County Court Bulk Centre:

 

MBNA do not wash their dirty pants in public...!

 

AC

Link to post
Share on other sites

  • 2 weeks later...

I have established that a judgement was handed down by Judge Langan on 13th November re Lloyds TSB V Mitchell in favour of the claimant-ie the bank-I can not be certain that this is the case in question but it seems likely that it is -the claim/case No. 8XR79750- I understand came from Harrowgate county court. Permission to Appeal and hearing of costs is set for 23rd December 2009. Clearly this issue about " determing the manner in which the credit limit is set could now possibly be given a high profile"-If anyone else has more information on this it would help to see it posted here.

I would like to know what people think of this argument.

 

This argument was used by a CMC appointed barrister. Some bank or other v Mitchell (same guy as in June) Judge Langan (same judge as in June) in Leeds County Court .

Case was heard but judgement was reserved and shold be handed down in the next two weeks -whichever party loses is likely to appeal.

 

One of the prescribed terms within Schedule 6 of the Agreement Regulations is a term stating “the credit limit or the manner in which it will be determined or a statement that there is no credit limit”.It should be noted that the creditor has the option of choosing one of the three means of complying with the requirements of Schedule 6.In the present case the Claimant has most definitely not stated the credit limit within the credit agreement;it has not stated there is no credit limit.

That leaves only the option of stating”the manner in which the credit limit will be determined”.We are concerned therefore with the manner of determination.

 

It is submitted that the words” We set a credit limit and can change it.We will notify you of the limit and any changes” does not satisfy the requirements of Schedule 6.

The statement is meaningless in relation to how the credit limit will be set.

A determination is an ascertainment or fixing and the reference to “the manner” requires reference to some sort of methodology.

 

The claimant will no doubt respond that there are millions of credit agreements which use similar rubric and that the use of such phraseology has become an industry standard.But that misses the point .Parliament was quite specific in its requirements and as was found in Wilson v First County Trust there is no room for tolerance or deviation from the strict requirements of Schedule 6.If this case opens up floodgates then so be it.

Link to post
Share on other sites

I have established that a judgement was handed down by Judge Langan on 13th November re Lloyds TSB V Mitchell in favour of the claimant-ie the bank-I can not be certain that this is the case in question but it seems likely that it is -the claim/case No. 8XR79750- I understand came from Harrowgate county court. Permission to Appeal and hearing of costs is set for 23rd December 2009. Clearly this issue about " determing the manner in which the credit limit is set could now possibly be given a high profile"-If anyone else has more information on this it would help to see it posted here.

 

do you have the judgement by any chance?was a bit surprised to hear that judgement was issued on the 13th November as I thought the judge wanted a couple of weeks to think about it.

Also I thought it was heard in the Leeds County Court.

Is it just me or is the HMCS website the biggest pile of crap online?virtually impossible to find anything you want on it.

Link to post
Share on other sites

do you have the judgement by any chance?was a bit surprised to hear that judgement was issued on the 13th November as I thought the judge wanted a couple of weeks to think about it.

Also I thought it was heard in the Leeds County Court.

Is it just me or is the HMCS website the biggest pile of crap online?virtually impossible to find anything you want on it.

I phoned Leeds County Court and they gave me the details -since I did not know who the bank was I simply mentioned Judge Langan and Mitchell and a rough idea of timescale. The case was heard at Leeds County Court, but proceedings I understand commenced in Harrowgate County Court and presumably transferred to Leeds County Court. It is quite conceivable that this is not the case in question, I am afraid I do not have the judgement. If I have got it wrong I apologise

 

Sorry to take so long to reply-those charming people at AA Credit Card and Bank Of Scotand are sending a "Representative" around to my place on Tuesday, so I have been involved with Solicitors and decided that since these So and SO s wont reply to my letters to hand the matter over to the Lawyers. Sent letter to AA credit card threatening to call the Police if this Rep turns up-but there again they dont respond to letters. If they cant enforce it in Court they try and enforce by harrassment!!-very stressful

Edited by CCAMAN
Link to post
Share on other sites

  • 3 months later...

Following the recent demise of Cartel Client Review and alleged demise of Ratio Money today on other thread I thought it might be an idea to see if anyone has had any benefit from a CMC and if so what.

Link to post
Share on other sites

Following the recent demise of Cartal Client Review and alleged demise of Ratio Money today on other thread I thought it might be an idea to see if anyone has had any benefit from a CMC and if so what.

 

Cartel Client Reveiw were on the local Northwest News tonight they certainly benefited 70.000 customers at £495 and the MD paying himself £730,000 PA. He did not turn up to be interviewed on the show as he promised.

Link to post
Share on other sites

Questions asked in the house now

 

From yesterday's Hansard (the official verbatim report of Parliament business) in "Business of the House" http://www.publications.parliament.u...srd/chan64.pdf (pages 389/390) - I know it's already been posted but I thought people might like the link to it.

 

 

Tony Lloyd (Manchester, Central) (Lab):

May we have an early statement on the suspension by Justice Ministers of the Cartel claims handling company, which has milked about £20 million off the public and done very little work for it? It has refused to refund most of the money that it has taken. In particular, will the question about whether there should be an investigation into possible fraudulent activity by Carl Wright, the managing director, and his associates be part of that statement?

 

 

 

Ms Harman:

Any allegations of fraudulent activity will obviously be a matter for investigation by the police. However, it is important that the Ministry of Justice, in its scrutiny of claims handling, can ensure that we protect claimants from bogus claims-handling services and that we can also protect those against whom spurious claims are made.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...