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    • I thank the Consumer Action Group Members for getting me this far in my case which is still in progress.   Situation: The Court has reversed earlier permission for me to rely on witness summaries.    The question upon which I am seeking help, please,  is - do I need to bother myself as to why the Court has reversed permission to rely on witness summaries?  If so, what line of logic or law can might I follow because clearly, the Court has said one thing and then another a few weeks later, of its own motion, the Court has reversed the earlier decision. I find this development quite extraordinary in the sense that as a result of being granted permission earlier, I served the three Witness Summons which had the Court stamp.   Background Having given me permission to serve 'Witness Summons' which I served on 3 hostile witnesses several weeks ago, the Court has now reversed it's earlier decision, and refused me permission to rely on 'witness summaries' pursuant to paragraph 32.9(2), citing that I have not shown steps taken to obtain witness statements from the 3 hostile witnesses.  I however, made two attempts to talk to the hostile witnesses who have been non responsive and I can evidence this.   I would be immensely grateful for some steer from Forum Members, please.
    • Pubs all seem to be doing a roaring trade around here. It does make me feel uncomfortable but At least they are finally making some money. Our area, the South West never really got hit badly by the pandemic. Wiltshire has regularly seeing zero confirmed cases and deaths. So we will have to see how opening pubs really pans out!     
    • Thanks for filling in the forum sticky and well done on reading up.  The more info. we all take in, the more we know what the real legal position is and how to fight sharks like CEL.   As you'll have seen, CEL are one of the most dishonest and greediest of the PPCs.  If you had indisputable proof that your car was on Mars at the time, they'd find a way to reject your appeal!  Sadly POPLA has become more & more useless, as your experience shows.  Instead of managing the car park in a professional manner, it's highly likely that CEL don't illuminate the signs at night deliberately in order to catch out motorists like yourself.   The good news is that the only person who can make you pay this "debt" is a judge, after a court case.  So from now on ignore any begging letters from CEL and/or their rent-a-threat DCAs, but do not ignore a Letter Before Action/Claim which is a formal notice of intention to start court proceedings.  However, don't waste your time while ignoring them, build a case.  Like dx says, look up the planning permission.  If the KFC is local to you, go back in the evening and get pix of their pathetic signage.  Please post up what you wrote in your appeal too.   As a belt & braces approach, get on to KFC and demand they cancel the ticket.  Show all the proof you were a genuine customer and point out that you stayed an extra 19 minutes because you were consuming more food & drink!  However, what we often find is that the bod who runs the local branch often doesn't have much power, so don't faff around.  If the local branch don't cancel within 48 hours get on to to the area manager, and if you get no joy there in 48 hours go to CEO level.   It's highly likely that if you had complained to KFC straight away and ignored CEL's kangaroo court procedure that the matter would have been resolved there & then, but hey, what is done is done and you still have a great chance of seeing off these fleecers.
    • if you are twisting sideways to takaway pubs? rather than opening pubs as you initially referred   ... thats always been cheaper at off licences and supermarkets isn't it, and rather defeats the point of pubs, and restaurants?   WHAT are you actually saying/claiming/suggestion if anything?
    • They have got a plan https://www.gov.uk/guidance/working-safely-during-coronavirus-covid-19/restaurants-offering-takeaway-or-delivery   It seems pretty clear to me.
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the_shadow

Capital One Complaints (Please Join in)

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Hi fellow Crapone club members.....

 

I recently filed an attempted complaint to the BCSB, this "independant" body look after the Banking Code (sort of)

 

My complaint dealt with the following passage from the Banking code

 

“13.6 We may give information to Credit Reference Agencies about the personal debts you owe us if: the amount owned is not being disputed

 

This is a bit of my reply from them :-

 

............The BCSB is always pleased to hear from customers where there has been a serious breach of the Codes. Customers who let us know about serious Code breaches provide useful intelligence and may help us to correct a problem before it becomes more widespread.

But most individual problems are usually best dealt with via the firm’s own complaints procedure and if necessary the FOS. The BCSB cannot generally take action just because you have received poor service, nor can we become involved in matters that are going through the courts or where another regulator is involved.

A serious breach of the Codes is likely to be one that has affected other customers, has been systematic, has continued for a long time or is suspected of having been deliberate.

We keep a record of all complaints that are notified to us. We will take note of any useful intelligence regarding the operation of the Codes disclosed in your email, and if there is, in our view, evidence of a serious breach of either Code, we may write to you again for more information.

 

So... the more complaints they get the more serious they take it.. just like OFT I suppose.

 

Email for complaints is helpline@bcsb.org.uk, can I ask that every Crap1 card holder who is having information recorded at the CRA's despite the account being disputed makes a complaint by email.

 

 

S.


Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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I pay my Capital One bill online. I am very good about paying, I don't want to mess up my credit anymore than the economy has already done. I haven't worked in over a year, so regretfully, I have been paying the minimum. I don't enter an amount, I just click on "pay minimum".

 

Today I got a notice in the mail stating I was a month behind. I knew I wasn't, so I called. I was told 2 months ago I paid $15 when in reality I owed $16. So a $39 fee was assessed. This happened again the next month even though I paid what I was told was the minimum!

 

I asked how they could charge me for paying what their website said I owed. The man had the nerve to tell me the bills mailed and the internet isn't always accurate. The only way I will get an accurate amount to pay is by called Capital One before I make my payment! How is this legal? Is there is lawsuit out there addressing this issue? I've been charged $78 because they lied to me about what I owed. I asked the man "Are you serious? Can you honestly tell me you can say I owe one amount, when in reality I owe more, and then charge me a fee?" He said "Ma'am, the only way you're going to get an accurate amount of what is owed is by called before paying your bill." If that's the case, we should all bombard Capital One's call center to question what we owe.

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filed my complaint today!!!

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complaint filed.

 

I'll post the response

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