Jump to content


  • Tweets

  • Posts

    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.
  • 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

Lloyds should have acted sooner!!!


Jezzaa
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5390 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

Lloyds agreed to refund some unauth fees. FOS involved.

Surprize surprize go to take money refunded out of account Branch cant help with collections! Rang from branch to collections totally confusing.

They are using refund against debt on overdraft. Makes it still overdrawn so no I cant have it.

Read somewhere some time ago they shouldn't do this. Can anyone tell me where to find it.?

Thanks Jezzaa

Link to post
Share on other sites

Lloyds agreed to refund some unauth fees. FOS involved.

Surprize surprize go to take money refunded out of account Branch cant help with collections! Rang from branch to collections totally confusing.

They are using refund against debt on overdraft. Makes it still overdrawn so no I cant have it.

Read somewhere some time ago they shouldn't do this. Can anyone tell me where to find it.?

Thanks Jezzaa

 

Did you get something in writing from the FOS and what was the wording?

 

If the claim was against Financial Hardship then the bank can offset it against any debt owing but it is unusual that they would refund and leave the account over the overdraft limit which has me intrigued by what was written to you.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Link to post
Share on other sites

Phone call from FOS this morning Saying Bank will refund because they should have acted sooner when I advised of health problems in May 2008. which are life long and have contributed to financal hardship.Accordingly refund was to put me back to a position I was in May 08. Thats a joke it is only tiny conpared to overall charges! FOS Sending letter out this evening to me so I can only go by what was said on phone.

Link to post
Share on other sites

Phone call from FOS this morning Saying Bank will refund because they should have acted sooner when I advised of health problems in May 2008. which are life long and have contributed to financal hardship.Accordingly refund was to put me back to a position I was in May 08. Thats a joke it is only tiny conpared to overall charges! FOS Sending letter out this evening to me so I can only go by what was said on phone.

Have the bank already refunded the charges today or have they not?

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Link to post
Share on other sites

Yes they have refunded today.

But cant draw out because it will take me over my overdraft.

Not used account since Oct when I cancelled everything DD wise

Been paying £50 per month to get rid of OD but theyve charged me £29 per month interest. Its supposed to be on a plan?

Link to post
Share on other sites

Yes they have refunded today.

But cant draw out because it will take me over my overdraft.

Not used account since Oct when I cancelled everything DD wise

Been paying £50 per month to get rid of OD but theyve charged me £29 per month interest. Its supposed to be on a plan?

 

Does it take you under your overdraft facility?

 

Are you aware that the banks right of offset of a refund overrides any right of appropriation?

Does it also mean that the amount now owing on the OD is reduced?

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Link to post
Share on other sites

Under OD by £30 odd

And yes it does mean the overdraft is reduced by the amount refunded

but the refund would be better used to pay mortgage not the bank.

Is there arrears on mortgage(2 months or more)?

Are there any repayment plans in place for arrears on mortgage?

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Link to post
Share on other sites

Yes been trying over last few months to reduce arrears whilst still making mortgage original payment.

Do I have a right of apportion?

The repayment plan on the mortgage means no to financial hardship as such. And unfortunately, the banks' right of offset over rides the right of appropriation on a refund of charges. Might be worth asking the FOS about suspension of interest charges of a few months to help repay the overdraft ;)

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Link to post
Share on other sites

Thanks for you help yourbank.

Asking because refunded PPI from halifax last year and they tried to offset refund to credit card balance. Complained and they sent me a cheque in the post instead. Halifax is done and dusted.Lots of other rubbish has happened since then so cant remember where I got info from but it worked.

Link to post
Share on other sites

PPI is different to bank charges because PPI misselling means you are paying it so they have to refund it to you if you ask however, having spoken to an ombudsman a few weeks ago, their expectation is that is is repaid to the account where it incurred the charges. I do kinda understand that view(even if I don't like the way in which banks are effectively being made priority debtors).

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Link to post
Share on other sites

site team have been alerted to your post for you

NEVER FORGET

 

[sIGPIC][/sIGPIC]

 

Help Our Hero's Website

 

http://www.helpforheroes.org.uk/

 

HIGHWAY OF HEROES

 

http://www.consumeractiongroup.co.uk/forum/bear-garden/181826-last-tribute-our-lads.html

 

Like Cooking ? check the Halogen Cooker thread

http://www.consumeractiongroup.co.uk/forum/bear-garden/218990-cooking-halogen-cookers.html

Link to post
Share on other sites

Hi Jezza

 

How can we help?

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

Link to post
Share on other sites

2 threads merged.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Hi uk aviator

Thanks for your time. Pm sent to enron last night advised to contact trading standards.I will sent you PM if thats ok ? Dont want to tread on anyones toes!

regards Jezzaa

Link to post
Share on other sites

Just a quick note.

I got into this mess in 2007 because of ill health not that I'd spent money willy nilly. Informed Lloyds in May 08. still not resolved. Cant claim PPI.

Requested refund due to mis-sold. Refused !

Link to post
Share on other sites

  • 2 weeks later...

Explained to FOS that so many mistakes by Lloyds have increased our problems. Hardship & Bank Charges etc.In principal FOS agree to some extent BUT FOS like the banks only appear to deal with different things in diff departments. Not as a Whole.

As they suggested I will send each complaint individually.!!

I sent SAR & CCA requests in Sept & Oct 08

received Demands & enforcement notices & **** letters Dec & Jan 08

Whilst acc was in dispute. Didn't rec SAR & CCA until Mid Jan 09

Any suggestions as to where I can go from here ?

Link to post
Share on other sites

Sorry yourbank confused myself !

Even though LTSB have refunded a few charges after FOS involvement I dont know how to deal with the fact that they issued defaults etc on acc whilst not having complied with my CCA & SAR rrequests in the time allowed. Despite several reminders.

Have you any advise please ?

Link to post
Share on other sites

Unfortunately, CCA related queries is not something that my knowledge extends to. Bank charges refunds stuff is a walk in the park. You might want to use the Red Triangle underneath your name to the right of the scales to attract site team attention with this one.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...