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    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
    • Doubt the uneconomic write off would be registered, unless you agreed to accept write off settlement of the claim. It is just cosmetic damage. All that has happened, is that the car has been looked at and they realised the repair costs are going to exceed the value of the car. If the car is perfectly driveable with no upcoming normal work required to pass next MOT, your current Insurers will continue Insurance and you can accept an amount from third party Insurers to go towards you repairing the scratched bodywork.    
    • Peter McCormack says the huge investment by the twins will help Real Bedford build a new ground.View the full article
    • I emailed both. Tarry's came back "Please note that I have now left the business. Please contact Matthew Barnes ([email protected])  going forward" so will send to him.
  • Our picks

    • 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.

      Please can you advise what I need to do today to get this done. 
       

      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.
      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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Phil versus Barclays ***WON***


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After reading this website I decided to try and hit Barclays where it hurts and get my money back. So far...

 

* Wrote to the bank on 22/07 requesting info on fees and charges for the past 6 years.

 

* Received a reply on 1/08 which not only included all of the data requested, but they also kindly returned my £10 cheque with a note to say that "this service is provided free of charge".

 

* Will post the next letter in the morning (09/08/06) requesting a reimbursement of £1.745.93 (includes £245.93 interest).

 

Fingers crossed all goes well. I'll keep you posted on my progress.

 

Great website guys.

Phil

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Good Luck with your claim

 

BTW what is the interest your claiming? If it's the 8% then that can't be added until it goes to court....

Halifax Plc - £1,956.00 + £360.15 interest = £2316.15

Preliminary Letter Sent - 7/8/2006

Standard blah, blah Letter arrived - 12/8/2006

LBA Letter Sent - 21/8/2006

Filed Moneyclaim - 04/09/2006

Moneyclaim Issued - 05/09/2006

Moneyclaim Acknowledged - 06/09/2006

**Settled in Full** - 11/09/2006

 

Barclays Bank Plc - Statements arrived - £250.00

Preliminary Letter Sent - 12/9/2006

 

 

Step-by-Step Instructions

A Good Place to Start

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Ahh then no you can't include that.....not until it goes to court.

 

All you CAN include at this point is overdraught interest charges caused soley by the penelties....

 

Clear as mud? :lol:

Halifax Plc - £1,956.00 + £360.15 interest = £2316.15

Preliminary Letter Sent - 7/8/2006

Standard blah, blah Letter arrived - 12/8/2006

LBA Letter Sent - 21/8/2006

Filed Moneyclaim - 04/09/2006

Moneyclaim Issued - 05/09/2006

Moneyclaim Acknowledged - 06/09/2006

**Settled in Full** - 11/09/2006

 

Barclays Bank Plc - Statements arrived - £250.00

Preliminary Letter Sent - 12/9/2006

 

 

Step-by-Step Instructions

A Good Place to Start

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Just to clarify as I think there's some confusion here: I'm referring to interest on penalties which is on the 'charges and interest' sheet and not the 8% interest. I hope this is right as I don't want to give them any opportunity to delay.

This morning I received a letter telling me that my request has been forwarded to Head Office and I will receive a response before 5 September. This is 28 days after I delivered the letter.

Would you advise to wait for the reply or to push for a more speedy response?

Thanks

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As far as I know then yea the interest on charges is calculated....well done you for working out which related to charges and which was normal for the overdraft, I couldn't be bothered. :lol:

 

As for waiting for their responce - nope, it's your timeline to work to - not theirs.

Halifax Plc - £1,956.00 + £360.15 interest = £2316.15

Preliminary Letter Sent - 7/8/2006

Standard blah, blah Letter arrived - 12/8/2006

LBA Letter Sent - 21/8/2006

Filed Moneyclaim - 04/09/2006

Moneyclaim Issued - 05/09/2006

Moneyclaim Acknowledged - 06/09/2006

**Settled in Full** - 11/09/2006

 

Barclays Bank Plc - Statements arrived - £250.00

Preliminary Letter Sent - 12/9/2006

 

 

Step-by-Step Instructions

A Good Place to Start

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  • 4 weeks later...

Hi all,

 

This morning I received a reply from a customer relations manager, Rose Frimet, who offered me £640 as a gesture of goodwill. :-|

 

I'll summarise the letter as it's quite long:

 

"May I say how sorry I am to learn you feel the bank charges you have incurred are unfair." "...we disagree with your view." "When an account is opened with us, our customer is provided with a copy of the Terms and Conditions relating to the use of their account...". "Despite my comments above in relation to your views, and without any admissions of liability, I am willing to offer the sum of £640 towards to the total amount you are seeking."

 

So they're trying to offer me about 40% of my claim but I'm not going to budge.

 

I'm going to send out an LBA on Monday rejecting their offer and giving 14 days for full payment. The reason for rejecting the offer outright is because from reading the responses of other claimants who have replied "I will accept your offer but not as full settlement and I will continue to pursue my claim" – this only seems to delay the process as Barclays seem to regularly deny the request and they simply repeat their original position.

 

I'd appreciate any thoughts or opinions on this as I have until Monday before I post the letter.

 

Many Thanks,

Phil :)

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Send the modified LBA with the thanks but no thanks changes in it. It won't delay things. THe LBA gives them 14days to reflect or you take them to Court. You will take them to Court in 14 days - unless they pay up in full - which they wont.

 

Spotty

[sIGPIC][/sIGPIC]Statement request 4th May

Prelim Letter sent 24th May

LBA 7th June

Thanks but no thanks letter sent 22 June

MCOL 22nd June

Claim acknowledged 26 June

AQ sent 2nd August

17 Nov Court Date Set for 29 Jan 2007

Settled in full 12/12/06

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Thanks for the advice Spotty.

I've amended the LBA to inform Barclays that I reject their offer and have given them 14 days to comply with my request for full repayment.

I'll keep you posted.

Thanks again for the help.

Phil

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  • 3 weeks later...

I'm currently completing the online form at moneyclaim and would really appreciate some advice as I'm struggling with this one.

 

The details of my claim:

* Cumulative Penalties charged - 1,530.00

* Interest on penalties - 250.87

* 8% on interest - 399.20

* 8% on interest on penalties - 37.37

 

In the particulars of claim, is the interest I'm claiming (under section 69 of the county court act) 250.87? Is the daily rate £0.34 (1530 / 0.00022)? And finally is the Total Amount Claimed £1530??

 

I've had a good look around the site and have only managed to further confuse myself so any help is appreciated!

 

Thanks, Phil

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Value of claim is 1,780.87 (penalty charges plus interest charges)

 

Amount claimed is 2,217.44 (penalty charges plus interest charges plus 436.57 statutory 8% interest on all charges)

 

Daily Rate is 0.39 (1780.87 x 0.00022)

Victimnomore

By day, quiet unassuming bank customer - but, by night, .. .. .. .. ..

Barclays Case1

14/03/07 **WON** FULL settlement £3358.39

Barclays Case2

08/09/08 Prelim: please give me my £187.91 back.

Halifax Case1

14/03/07 **WON** Refunded £728 (including £54 costs)

Halifax Case2

08/09/08 Prelim: please give me my £268.24 back.

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  • 3 weeks later...

Well Barclays had until the 18th October to reply and although I haven't received any notification by post it says that the claim has been acknowledged on 16/10/2006 and that they now have 28 days to reply.

I'm uncertain about the Judgement though, when I click on 'start', should I choose:

The defendant has not filed an admission or defence to my claim

or

The defendant admits that all the money is owed

I'd guess that, although I've received no direct notification, I shouldn't choose either as they've now 'acknowledged' my claim.

I’d like to be 100% sure of what I’m doing so I’d appreciate if someone with experience could help.

Thanks

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If they had until the 18th of October to acknowledge, then you will have filed 19 days before that. The court allow 5 days after filing before it is deemed to have been served on the Bank. Then they have 14 days to acknowledge. By acknowledging, they then have a further 14 days to submit a defence. That's a total of 33 days from date of filing. I make it that they have until the 1st of November 2006 to defend.

 

Hope that clarifies it for you.

To follow my case progress, click here to see where I'm at right now.

 

Welshman

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  • 3 weeks later...

Bugger, Barclays only went and filed a defence yesterday.

 

Received the AQ this morning which I've just completed and will hand over to the court in person this afternoon.

 

The case continues...

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When I dropped in my AQ, I also included a copy of my schedule of charges plus the 8%. Barclays used up all their time before returning theirs.

 

They are so frustrating - but Barclays, if you are reading these threads, I ain't goin anywhere. I'm seeing this through to the end.!

To follow my case progress, click here to see where I'm at right now.

 

Welshman

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  • 3 weeks later...

I handed in my AQ on the 1st Nov, does anyone know how long it takes before a court date is set or how long you generally have to wait before you hear something?

 

I've also been hit with a few more charges recently - can I add these on to my claim and if so can anyone help tell me how to do this?

 

Thanks

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My Directions Hearing stae was sent to me about 10 days after the deadline for the AQ to be submitted.

 

You can amend your claim but it will cost you £35 (non refundable) and is likely to delay your case a little. Check with your court staff. They will have a better idea as to timescale.

To follow my case progress, click here to see where I'm at right now.

 

Welshman

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