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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
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    • If you are buying a used car – you need to read this survival guide.
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      • 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
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      • 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
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About to send in my charges - Last minute advice ***Settled ***


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Ok folks.

 

Today I shall be using Moneyclaim online to make a claim against the Halifax. As I mentioned before I have not officialy rejected the offer I received from Halifax. This was sent out after my LBA. I was going to just ignore it and proceed with the claim however the last couple of posts have made me think I may have gone wrong slightly. Can someone let me know if I need to to respond to the offer before proceeding with the claim online? If so does it matter that this will take me outside of the 14 day window which I have specified in my LBA?

 

Thanks folks for all your help!

10/08/06 - Prelim sent on - Here goes!!!:-o

29/08/06 - LBA sent on - more waiting!!:rolleyes:

13/09/06 - Claim Online Submitted!!

14/09/06 - Claim issued!

18/09/06 - Claim acknowledged!

19/09/06 - Claim Paid!!!!

:D;):D

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No of course it wont matter about your 14 day deadline the reason we say its better to reject their offer is because if it went to court it would look to the Judge that you tried to settle out of Court.

 

You can add any other charges to your claim up untill you file your claim, you just need to amend your list of charges

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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Sorry Mechs - so are you saying send in my rejection letter first - then claim. Or just go ahead and claim?

 

Thanks

10/08/06 - Prelim sent on - Here goes!!!:-o

29/08/06 - LBA sent on - more waiting!!:rolleyes:

13/09/06 - Claim Online Submitted!!

14/09/06 - Claim issued!

18/09/06 - Claim acknowledged!

19/09/06 - Claim Paid!!!!

:D;):D

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Ok so I think I understand. The letter template (below in green) however mentions no extension to the deadline as mentioned in my LBA. As that deadline is today shall I just ammend that paragraph to read (directly below) or leave as is?

 

Thanks again!!!

 

"My letter before action sent previously indicates that you have until 12/09/06 to respond before Court action commences. I am prepared to extend this until 19/09/06 as a result of your offer."

 

___________________________________________________________________

Dear [named sender or Sirs]

Thank you for your letter dated xx/xx/xx

I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £xxxx

 

I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary.

 

My letter before action sent previously indicates that you have until xx/xx/xx to respond before Court action commences. You are reminded that there will be no extension to this timescale.

I trust this clarifies my position.

 

 

Yours faithfully

________________________________________________________________

10/08/06 - Prelim sent on - Here goes!!!:-o

29/08/06 - LBA sent on - more waiting!!:rolleyes:

13/09/06 - Claim Online Submitted!!

14/09/06 - Claim issued!

18/09/06 - Claim acknowledged!

19/09/06 - Claim Paid!!!!

:D;):D

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Hello - me again (sorry!)

 

Thinking about all the advice above - I think I may just file the case with Moneyclaim. As Mechs mentions It will only be applicable if they go to court.

 

arrgh - im on the precipice and not sure what to do - but i'm bery excited by it all!!!!

 

:D :o :confused:;)

10/08/06 - Prelim sent on - Here goes!!!:-o

29/08/06 - LBA sent on - more waiting!!:rolleyes:

13/09/06 - Claim Online Submitted!!

14/09/06 - Claim issued!

18/09/06 - Claim acknowledged!

19/09/06 - Claim Paid!!!!

:D;):D

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Ok - just to update everyone. I have issued my claim online last night - I could not fit in the schedule of charges (not enough room online) but was told that if they require these they will ask for them. I basically copied the information from the Lucycat vs Halifax thread - thanks again lucycat for the help.

 

She got her settlement yesterday so I think I have done everythin correctly. Today I checked on MCOL and it has been issued - so 14 days for Halifax to respond and counting.

 

Fingers crossed - I shall update accordingly.

 

Good luck everyone else!

10/08/06 - Prelim sent on - Here goes!!!:-o

29/08/06 - LBA sent on - more waiting!!:rolleyes:

13/09/06 - Claim Online Submitted!!

14/09/06 - Claim issued!

18/09/06 - Claim acknowledged!

19/09/06 - Claim Paid!!!!

:D;):D

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Ooh, that's right, blame me! ;O)

 

I'd say good luck, but you won't need it - I'll keep my fingers crossed for a similarly speedy result for you, though! :O)

 

All the best,

 

Lucy.

Lucycat vs. Halifax 13/9 - £4496.99 - WON!

 

Lucycat vs. MBNA (Alliance & Leicester) - 16/11 - Offer of £295 received - pursuing £575.

 

Lucycat vs. HSBC - 15/11 - MCOL filed - £1438 (& interest at 8% - another £392.49)

 

Lucycat vs. Capital One 15/11 - Offer of £136 received - pursuing £340.

 

Lucycat vs. Halifax - Mortgage ERC - 18/10 - LBA sent - £466.32.

 

Lucycat vs. Halifax - Mortgage Charges - 9/11 - D.P.A. Non-Compliance letter delivered.

 

Lucycat vs. LloydsTSB - Loan PPI - 5/10 - Statement received.

 

Lucycat vs. LloydsTSB - 20/10 - Prelim sent for £45 - returned undelivered, recipient has 'gone away'...! :o

 

* Lucycat vs. Carphone Warehouse - 13/11 - S.A.R. delivered. * Lucycat vs. Volkswagen Finance - 9/11 - S.A.R. delivered. * Lucycat vs. Barclaycard - 15/11 - S.A.R. sent out.

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nothing wrong with plagiarism....got me through college

 

i'll probably use yours too Lucy when it comes to filing court action ;)

"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"

 

Brad v Halifax

22/08/06 - Preliminary Letter sent requesting full repayment of charges

06/09/06 - LBA sent to bank

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Ha ha. Nice.

 

Lucy - would I try and blame you ;)

 

Hopefully - looking at some other posts today I should be with a week of getting my money back!!

 

Can't wait!

10/08/06 - Prelim sent on - Here goes!!!:-o

29/08/06 - LBA sent on - more waiting!!:rolleyes:

13/09/06 - Claim Online Submitted!!

14/09/06 - Claim issued!

18/09/06 - Claim acknowledged!

19/09/06 - Claim Paid!!!!

:D;):D

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:D No we wouldn't blame you Lucy.lololol Are you still challenging me "chase me chase me:D :D :D .thanks for the support everyone kep it up.

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Oh my god - Acknowledged and paid!!!

 

Thanks everyone - awesome. I just need to sort out a couple of bills - climb back down of the ceiling then make my donation.

 

Thanks again everyone - fab!:D

10/08/06 - Prelim sent on - Here goes!!!:-o

29/08/06 - LBA sent on - more waiting!!:rolleyes:

13/09/06 - Claim Online Submitted!!

14/09/06 - Claim issued!

18/09/06 - Claim acknowledged!

19/09/06 - Claim Paid!!!!

:D;):D

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Oh my god - Acknowledged and paid!!!

 

Thanks everyone - awesome. I just need to sort out a couple of bills - climb back down of the ceiling then make my donation.

Thanks again everyone - fab!:D

 

Excellent Mooner well done you!!!

Just out of curiosity was it a large amount. I've been fighting them for a while and no acknowledgement to one of my accounts at all?

Boo

;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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Well done you!!!!!!!!!!!Congrat's

HALIFAX CURRENT ACCOUNT SETTLED IN FULL 9/9/06.

 

N1 form completed 05-06-07,LBA sent 14-05-07,2nd go!Prelim sent 24/04/07

 

Halifax Visa 1.Paid in full

Halifax Classic.Paid in full.

 

LBA sent 14-05-07,GMAC prelim sent 24/04/07

 

Data Protection Act for halifax mortgage 16/09/06.

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Hi all.

 

It was just over £3k with interest. Can't believe how quick they turned it round!!

10/08/06 - Prelim sent on - Here goes!!!:-o

29/08/06 - LBA sent on - more waiting!!:rolleyes:

13/09/06 - Claim Online Submitted!!

14/09/06 - Claim issued!

18/09/06 - Claim acknowledged!

19/09/06 - Claim Paid!!!!

:D;):D

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Congratulations Mooner, can you pleasee pm a mod with the details and complete the survey the links in my signature if you havent already done so

Thanks

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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What fabulous news - absolutely thrilled to bits for you! :O)

 

Well done you!

 

Lucy.

Lucycat vs. Halifax 13/9 - £4496.99 - WON!

 

Lucycat vs. MBNA (Alliance & Leicester) - 16/11 - Offer of £295 received - pursuing £575.

 

Lucycat vs. HSBC - 15/11 - MCOL filed - £1438 (& interest at 8% - another £392.49)

 

Lucycat vs. Capital One 15/11 - Offer of £136 received - pursuing £340.

 

Lucycat vs. Halifax - Mortgage ERC - 18/10 - LBA sent - £466.32.

 

Lucycat vs. Halifax - Mortgage Charges - 9/11 - D.P.A. Non-Compliance letter delivered.

 

Lucycat vs. LloydsTSB - Loan PPI - 5/10 - Statement received.

 

Lucycat vs. LloydsTSB - 20/10 - Prelim sent for £45 - returned undelivered, recipient has 'gone away'...! :o

 

* Lucycat vs. Carphone Warehouse - 13/11 - S.A.R. delivered. * Lucycat vs. Volkswagen Finance - 9/11 - S.A.R. delivered. * Lucycat vs. Barclaycard - 15/11 - S.A.R. sent out.

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Quick question.

 

On Money Claim I have now got two options;

 

The defendant has not filed an admission or defence to my claim (Judgement by default)

 

The defendant admits that all the money is owed. (Judgement by admission)

 

Which one would I choose considering Halifax have in their letter have said they have not admitted any liability???

 

Thanks in advance

10/08/06 - Prelim sent on - Here goes!!!:-o

29/08/06 - LBA sent on - more waiting!!:rolleyes:

13/09/06 - Claim Online Submitted!!

14/09/06 - Claim issued!

18/09/06 - Claim acknowledged!

19/09/06 - Claim Paid!!!!

:D;):D

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Can I ask if they have threatened to close your account or can you still use it. I'm in the process of opening a new account elsewhere and unsure whether to caryy on with it. I have 30 days in which to confirm that I want a new account but might wait and see what the Halifax say.

 

Thanks

 

Karen

August 06- S.A.R. handed into a Halifax Branch

Sept 06 statements received and first letter sent requesting repayment of charges totalling £3,90

beginning Oct 06 received phone call offering £1,397, said would accept as interim payment andLBA letter sent same day

mid Oct 06 MCOL submitted online

end Oct 06 paid in full including interest and court fee - £4,980!

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They have left my account open so still going to use it. They have put a bit at the end of the letter along the lines of we reserve the right to close your account should you get any more charges etc but if they do Ill just move my money elsewhere - their loss!

10/08/06 - Prelim sent on - Here goes!!!:-o

29/08/06 - LBA sent on - more waiting!!:rolleyes:

13/09/06 - Claim Online Submitted!!

14/09/06 - Claim issued!

18/09/06 - Claim acknowledged!

19/09/06 - Claim Paid!!!!

:D;):D

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Mooner, I just gave MCOL a ring with my claim number (after I'd checked all the money was in the account & snaffled it away to safety!) and advised them that the claim had been settled. The number is: 0845-601 5935 (9-5, Mon-Fri.)

 

Was very quick and painless! :O)

 

Lucy.

Lucycat vs. Halifax 13/9 - £4496.99 - WON!

 

Lucycat vs. MBNA (Alliance & Leicester) - 16/11 - Offer of £295 received - pursuing £575.

 

Lucycat vs. HSBC - 15/11 - MCOL filed - £1438 (& interest at 8% - another £392.49)

 

Lucycat vs. Capital One 15/11 - Offer of £136 received - pursuing £340.

 

Lucycat vs. Halifax - Mortgage ERC - 18/10 - LBA sent - £466.32.

 

Lucycat vs. Halifax - Mortgage Charges - 9/11 - D.P.A. Non-Compliance letter delivered.

 

Lucycat vs. LloydsTSB - Loan PPI - 5/10 - Statement received.

 

Lucycat vs. LloydsTSB - 20/10 - Prelim sent for £45 - returned undelivered, recipient has 'gone away'...! :o

 

* Lucycat vs. Carphone Warehouse - 13/11 - S.A.R. delivered. * Lucycat vs. Volkswagen Finance - 9/11 - S.A.R. delivered. * Lucycat vs. Barclaycard - 15/11 - S.A.R. sent out.

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Cheers lucy - I shall do exactly that!!

10/08/06 - Prelim sent on - Here goes!!!:-o

29/08/06 - LBA sent on - more waiting!!:rolleyes:

13/09/06 - Claim Online Submitted!!

14/09/06 - Claim issued!

18/09/06 - Claim acknowledged!

19/09/06 - Claim Paid!!!!

:D;):D

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