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    • There is a letter offering  HM Court and Tribunals Mediation by telephone Does anyone use this? Its free
    • Morning guys As Bank suggested, I've now re-worked my POC to include details of my parcel's original loss,  miraculous rediscovery a month later and subsequent delivery, albeit having been opened and the contents removed. Grateful for your thoughts please, as (P2G having gone very quiet) I intend to initiate court proceedings against P2G tomorrow - 1 May. Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant failed to arrange for the safe delivery of the claimant's parcel containing 8 second-hand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and whilst Evri collected the parcel for delivery on 18 March 24 they then ‘misplaced’ it a day later, formally declaring it lost on 27 March. On 16 April they found it and delivered it on 17 April but, at some point before delivery, it had been opened and the contents removed . The defendant refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is also in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80  
    • Odd one this, I recieved 2 notice's for the 18th and 19th April stating that I overstayed on Wigan Robin Retail Park. Permitted Minutes 180. They state I was there 355 minutes on the 18th and 388 minutes on the 19th. Both times I was there around 10 minutes getting my wife a brew from costa after dropping the kids off at school.  On both days I had passed through there a second time around 3pm, again to get a brew then left. Both notices have 2 images each, Entrance and exit.  This is the interesting bit. The Entrance images both timestamped actually clearly show I am exiting the retail park not entering it. And the exiting images they provided show me leaving the carpark after visiting a second time later in the day. In the attachments You'll see all 4 images show that I am exiting, none of them are of me entering. I understand most if not all that see this post won't know the area but if the look at the map link i gave you'll see the road I was on leading up to the main road. g24 ltd 1.pdfg24 ltd 1.pdf GoogleMap view of the road I am on in the entrance images I would have had dashcam footage but I since formatted the memory card. I tried recovery tools but I couldn't get the files back.  
    • An update: I just got another PCN. I get the feeling that someone in the residence is calling OPS, as it's dated for a few mins after I parked. I won't appeal of course. Interestingly, our cleaner was also parked but didn't get a PCN. I asked them why and apparently they're whitelisted. I did ask the MA if they could whitelist me and they said they couldn't. Clearly they decided not to tell the truth. Surely, this would resolve all of the issues entirely i.e. we'd keep non-residents from parking, whilst allowing for residents to park without issue? Also, could OPS now take me to court for both PCNs separately, or could it be one case?    
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Bank Charge issues Post Test case - Repayment: how will charges be repaid?


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Getting back to "how will charges be repaid?" Does anyone know if you have a big overdraft will the Banks be allowed just to reduce its balance (and limit) by the amount of charges (and interest) refunded - or must they pay you out so you can decide yourself what to do with or where to put the money? After all - it is YOUR Money!

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Getting back to "how will charges be repaid?" Does anyone know if you have a big overdraft will the Banks be allowed just to reduce its balance (and limit) by the amount of charges (and interest) refunded - or must they pay you out so you can decide yourself what to do with or where to put the money? After all - it is YOUR Money!

The current decision in the Supreme Court will not decide on refunds nor will it decide on past charges. It is currently about whether UTCCR 1999 applies to bank charges.

.

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

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Anyone know how all of this affects current already submitted hardship cases please???

 

I could really REALLY do with ANY info at all on this!!

 

Thanks in advance :)

what goes around comes around

EVERY cloud does have a silver lining you just have to look really REALLY hard sometimes..

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Wednesday 25th November...:D

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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The Supreme Court's decision on the assessment of bank charges for fairness. It's widely expected to go in the OFT's favour.

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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The Supreme Court's decision on the assessment of bank charges for fairness. It's widely expected to go in the OFT's favour.

 

The Supreme Court are not deciding on fairness on Wednesday. They are deciding if UTCCR 1999 applies to bank charges, ie whether they can be assessed for fairness. They are not deciding on whether they are in fact fair or unfair.

.

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

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Anyone know how all of this affects current already submitted hardship cases please???

 

I could really REALLY do with ANY info at all on this!!

 

Thanks in advance :)

It is unlikely to make any difference to claims unless the Banks' are successful in their appeal.

.

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

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The Banks will seek Limitations on their losses, ultimatly the Government should interceed and legislate repayment of the Banks unfair charges and close the matter once and for all, the Banks have had their day more than once now, they LOST, the case should be closed or heavy fines put on the perpatrators (Banks), Maybe Wastage Cost should be levied on them in repect of every Bank Customer.;) To the Customer of course.

:mad2::-x:jaw::sad:
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As tomorrow is the "official" handing down of the judgement, is this a case of cart-before-horse.jpg

 

Or does BF know something we mortals don't?

 

As for the OFT deciding if it's "fair" I think we can safely say they wouldn't have gone thrugh the test case if they were! (and they have already made a descision on credit card charges that says they think £12 is acceptable) I'm hoping the political pressure along side the fact that this has dragged on for so long already might (slim chance but still there) force things to move quickly!

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

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As tomorrow is the "official" handing down of the judgement, is this a case of cart-before-horse.jpg

 

Or does BF know something we mortals don't?

 

As for the OFT deciding if it's "fair" I think we can safely say they wouldn't have gone thrugh the test case if they were! (and they have already made a descision on credit card charges that says they think £12 is acceptable) I'm hoping the political pressure along side the fact that this has dragged on for so long already might (slim chance but still there) force things to move quickly!

 

 

 

Who said £12 is fair? It certainly is NOT fair. Nothing IS fair!

 

Banks were put in place to serve the people. not to take the (edit) out of us and serve themselves.

 

It doesn`t cost me £12 to send a letter, and it certainly doesn`t cost the Banks anything, as everything is automated, no matter what bull (edit) they come up with.

Edited by ErikaPNP
please refer to section 3.6 of the forum rules

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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I didn't say £12 was fair, but for credit card charges (not bank charges) the oft have said "we do not propose at present to consider legal action where charges are set below £12"

 

So to get our cases moving again, we should be able to use that point in our favour IMO.

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site

 

Please also consider using the

C.A.G. Toolbar

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Well, Lloyds TSB have failed to come up with my Application and account opening form for my account which opened 24 years ago.

 

As far as I`m concerned we don`t have an agreement for them to charge me, so I want every penny of every charge and it`s interested returned from the birth of the account :D

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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Banks have Won!!!!???? WTF?

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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I was just saying to my mate, I'm sure this decision has absolutely nothing to do with what's happened with the banks over the last 12 months.

 

So, I guess now we'll see a rise in bank charges and complete and utter refusal to refund them. Brilliant. Bunch of tossers!

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Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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So after the ruling in favor of the sodding banks, should i just await the "we are sorry your in trouble but tough" letter from my bank and leave it at that?

 

I wonder how many cases are about to be unheld just to be turned down by the courts courtesy of todays ruling...

Bank of Scotland student account:

June 23 Data Protection Act sent

July 23 statements recieved

Aug 1 Prelim sent for 3660

Aug 3 comedy letter recieved

Aug 30 laughable £260 final settlement offer and LBA sent

Oct 07 Settled £1800

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Lets tell the govt we prefer the way our grandparents handled money, paid in cash, thanks, cut the banks out of it, save for what you want, and where are the credit unions, lets see a change lead by what the nation needs not what the banks need from us. who says it has to go ALL go via the banks, can anyone say no to having any contact with a bank at all now????

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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No! If you have a claim that is stayed make an immediate application to have the stay lifted and proceed as planned.

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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My lba was sent off and i'm due to apply to the courts next week. I've read the judgment (and most of it's gobbledygook to me especially as 5 yr old granddaughter is prattling on at the side of me). All I seem to keep seeing is 'overdraft' and 'interest'. I didn't want to claim interest, I don't have an overdraft and yet I'm struggling to understand exactly what's been said about unpaid items. I'm assuming that ALL their charges have now been 'legalised' so do i just forget it? Or would the fact that NW dropped their unpaid item fee from £38 to £5 last month be reason enough for me to fight them (to do that, I'm assuming that even they think their fee was unfair?)

I made a conscious decision to get out of debt:cool:. I will not be bullied or harrassed:mad: by DCA's or bailiffs whilst I try to satisfy my creditors.

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