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    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
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      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.  

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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.

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      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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SB100 v HFC - is this default compliant? Court/Restons ***WON***


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If it was issued on the 22/5 then service is 5 days ie 27/5. You MUST acknowledge service within 14 days = 10 June you then get a further 14 days to submit your defence .

 

No, bank holidays and weekends arent excluded.

 

HTH

 

If you let us know what the POC says then I am sure someone will be able to help.

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That bit that SS has put in about the s69 should go on to the claim form when you submit your defence.

 

My math takes you to the 23/24th of June as the final day for submitting of your defence.

 

You get

 

From date of services in your case

 

22 May 2009 + 5 = 27 May + 14 days to acknowledge = 10 June +14 days to submit defence = 24 June 2009.

 

So you have a bit of time in hand.

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  • 3 weeks later...

If the DN was sent by UK Mail (2nd) then it would only allow you 11 days I think.

 

They say the TN isnt applicable, but they do state in the DN that they WILL do it. Therefore you.. as any reasonable person would.. believe it to have been so.

 

Therefore they have terminated on the back of a Dodgy DN.

 

What was the date of your signature on the application form?

 

I wonder from what date the agreement actually takes place.. from when you signed the application (which doesnt at that time mean that you have been accepted as a customer) or when they have signed it. Which kind of makes the date the agreement started according to the DN incorrect as well. What date is on the POC. ?

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Ok heres a very rough embarrassed defence (think it came from Pt2537 originally?), others can add to it.

 

 

1. I, ********** of ************** make this statement as my defence to the claim brought by **************

 

2. The claimants particulars of claim are vague and fail to disclose any cause of action, they appear to be an abuse of the process in that they fail to deal with the basic rules of pleading in accordance with the CPR even allowing for the constraints of the bulk issue system

 

3. No documents supporting the claims in the particulars have been offered and despite a request to the claimant for further information via CPR 31.14 dated xx/xx/xxxx sent by recorded delivery none has been forthcoming and as a result I cannot plead in defence to the claim

 

4. Without clarification of the claimants claim, the defendant is extremely disadvantaged and the claimants claim appears without merit, the defendant asks to be allowed to submit a fully particularised defence should the claimant provide copies of the original documents he will rely upon.

 

5. Further to that above 4 paragraphs, the defendant is unable to plead effectively or at all. The defendant is embarrassed.

 

 

Statement of truth bit here

 

 

 

 

 

S.

 

 

 

Okey dokey, so you submitted the above embarrassed defence on Wednesday, 24th June. Which by my reckoning was the final day allowed for submission.

 

You have now been supplied with the documents you require in order to put in a fully particularlised defence.

 

We now need to know the procedure for putting in a proper defence.

 

TBH, I shouldnt worry too much at the present. You have submitted a defence on time which is important.

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

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  • 2 weeks later...

That looks ok to me, SB. Did the other side agree to the amendment in writing ? If so, it would be a good idea to add a sentence to say that they have.

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5: Forum rules - These have been updated - Please Read

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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  • 2 months later...

I dont think that is possible, welshmam. It would be nice if it were so. However, if everyone had a private thread, there would be no public forum IYKWIM. :(

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5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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What you need to do SB is respond to each point in their Witness statement.

 

Pull each point apart. You can ask questions about points without being too specific.

 

The more input you get from the forums the better.

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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They do love to try and complicate things dont they.

 

When do you need to have your paperwork filed by?

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Uploading documents to CAG ** Instructions **

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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BRW gives some interesting advice in respect of the statement

 

"Would have been on the reverse side of the statement" in the following link

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-1849705.html

 

some more advice from BRW

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-1850500.html

 

I dont know whether BRW's comments on this WS statement from Capital one (in this instance they were the Defendant as davey77 took them to court) will help you respond to the Ws you have received.

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-1851778.html

 

HTH

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Uploading documents to CAG ** Instructions **

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Statement of

Mr xxx xxxx

 

Statement dated

5 October 2009

 

Claim No. xxxx

 

IN THE LIVERPOOL COUNTY COURT

 

BETWEEN:

 

Hfc Bank Limited

Calimant

And

Mr xxx xxxx

Defendant

 

WITNESS STATEMENT

 

I, xxxx xxxx, make this statement in response to the statement of Jeremy Stephen Bouchier, of Restons Solicitors, dated 30th September.

 

1. In response to point 3 of the above mentioned statement, I believe that the claimants claim form is deficient in that the claimant failed to exhibit or attach any supporting documentation regarding their claim. Despite the limitations of the Northampton Bulk Processing Centre which does not allow for documents to be attached. It is nevertheless in the interests of the Management of the claim for the documents, which form the basis of the claimant's claim, to be provided at the earliest opportunity. This the claimant did not do.

 

2. In response to point 6 of the above mentioned statement, the document supplied is an Application form. The title of the form is not correct for it to be treated as a Consumer Credit Agreement. Furthermore, it does not contain any prescribed terms, and, as such, is unenforceable. I do not accept the claim made in Mr Bouchiers witness statement that these terms and conditions would have been on the reverse of the application form supplied, and put the claimant to strict proof. I also seek clarification as to the validity of Mr Bouchiers claim that he knows this would have existed form ‘own knowledge’. Has Mr Bouchier physically handled this agreement? I see no reference to the date that the claimant alleges the contract was instigated. The only reference dates I can see are 4th February 1994 and 23rd February 1994. I can see no reference to the date referred to in the claimants Default Notice, which is 17th February 1994. This appears to be before the claimant signed what they claim is the agreement?

 

3. In response to point 7 of the above mentioned statement, I would like to make the following points. Firstly, the amounts differ between the Default Notice that I received, and the ‘recreated’ Default Notice attached to Mr Bouchiers statement. Secondly, the ‘recreated’ Default Notice omits a statutory paragraph titled ‘Statutory Notice’. This renders the Default Notice served defective. Thirdly, whilst the Default Notice is dated so as to provide 14 clear days for remedial action, the claimant has not taken in to consideration the time to post. This Default Notice was sent by UK Mail, and is considered to be 2nd Class post. If it were posted as it were dated, on Thursday 15th means deemed served on Tuesday 21st May. Fourteen days starts from the day after service according to regulationss so remedy date should have been Wednesday 6th May to give 14 clear days. (is the date highlighted in red correct ?)

4. In response to point 8 of the above mentioned statement, the lack of a valid s87 Default Notice proves that the claimant has no course of action. The lack of a properly executed Consumer Credit Agreement, containing prescribed terms, proves that the claimant has no course of action.

 

5. The claimant has included a hefty ‘collection charge’ to the court summons, which the claimant is well aware that it is not entitled to do.

 

Statement of Truth

 

I believe the facts stated in this witness statement are true

 

Signed …………………………………..

 

Dated ………………………………….

 

HTH

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Just to let you know, I am here.. having a read:D

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Why are you confused ?

 

BTw, I didnt edit your post as it indicates above. I thought I had hit "quote":rolleyes:

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supasnoops reference to UK Mail being a 2nd class service

 

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-2383387.html

 

 

You might want to print off the page re UK Mail in the following link at the bottom it states it is 3 days:D

 

 

UK Mail | Services | Mail | Services | UK Deliveries

 

HTH

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I imagine that is the thinking, SB. :)

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Yes, good luck, SB.:D

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Well done SB. I agree with the others. You did well and came away with a good result.

 

:D

  • Haha 1

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Thanks for the messages everyone... was a little disheartened earlier but will take stock over the weekend and formulate a plan.

 

I've kept every envelope they've ever sent and attached it to the correspondence it carried... and filed every one of them.

 

That is good, as diddydicky said above.. this will prove they are not being strictly honest when they say what type of mail they use.

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  • 1 month later...

Just a couple of links for information.

 

This one UK Mail business link, which indicates that their Economy mail is a 3 day service.

 

UK Mail | Services | Mail | Services | UK Deliveries

 

and this one which was posted by supasnooper on another thread indicating the same information.

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-2383387.html

 

HTH

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Thanks for that CB.

 

When they refer to 'definite delivery' this is only as far as delivery to royal mail is concerned...

 

That is my understanding as well SB.

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Hmm, they say in their letter that they aim to have it to you by the 11th. Might be a good idea to check with the court to see if they have submitted there. If so, explain that they have not sent to you and ask the court for a copy.

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  • 3 weeks later...
Ok, had a letter from Restons on Saturday re disclosure. It seems that the court timetable doesn't matter to them.

 

Not really sure where to go from here..

 

restons071209003.jpg[/img]

 

So despite the letter above, you have not received ANYTHING by way of disclosure list from Restons?

 

As you have already made an application for strike out which is to be heard first, then I dont see there is much else you can do. :(

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  • 4 weeks later...

I think UK Business Mail is a 2nd class service unless otherwise stated by a (1) or (1st) on the envelope. Also, the delivery times are to the Royal Mail sorting office and another day would be added for the "final mile" by Royal Mail.

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Hi SB, in response to your pm.

 

Sadly this is a decision only you can make and I am afraid I am sitting on the fence here.

 

This trick has been used by many solicitors and in particular Restons. They know damn fool well they CANNOT issue a second DN.. the account is terminated and by all accounts you accepted this.

 

However, if you dont feel confident enough to go through with this, then perhaps diddydicky has a good point.

 

They certainly have not left much time for you to contact them unless you phone or fax..!!

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Curiously I've had nothing from Restons to say they're resisting my Strike Out application...

 

:rolleyes::D

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OMG, I missed all the fun.. good luck in court today, SB.. :)

 

Costs, costs, costs.. x

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5: Forum rules - These have been updated - Please Read

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

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