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    • Write to the IPC complaining that UKPC have not observed the requirements of PoFA . IPC  Waterside House, Macclesfield SK10 9NR Dear IPC, I am writing to complain about a serious breach of the Protection of Freedoms Act 2012 by UKPCM. I feel that as it is more a breach of the Act rather than not just  complying with your Code of Practice which is why I am bypassing your operator. Should you decide to insist that I first complain to your operator, I will instead pass over my complaint to the ICO and the DVLA . My story starts with being issued a windscreen PCN on 8/3/24 which was almost immediately removed and a second  PCN was then  sent by post on 13/3/24  [deemed delivered 15/3/24] which I did not receive and had to send an sar to have that particular mess revealed later  but that is not the reason for my complaint. UKPC then sent a Keeper Liability Notice dated 12/4/24 warning me that as 28 days have now elapsed, I as keeper am now liable for the charge.  This is in direct contravention of PoFA since the keeper does not become liable to pay until the day after the original PCN is deemed to have been given which would have been 13/4/24 -a Saturday ]. Not only does it not comply with PoFA but it fails to adhere to your Code of Practice and is in breach of their agreement with the DVLA. You will be aware that this is not the first time that UKPC have fallen foul of the DVLA and presumably yourselves. I have included copies of both Notices for information. You will realise the seriousness of this situation if this is standard practice from the UKPC to all motorists or just those where windscreen tickets are involved since the Law regarding PoFA is being abused and is unfair to misguide motorists. I await your  response which I understand will usually be within a week. -------------------------------------------------------------------------------------------------------------------------------------------------------I would think that should be sufficient for the IPC to cancel your PCN though  you should await comments from the Site team before sending your complaint. Don't forget to include both PCNs.  
    • Hi DX, Sorry, fell asleep as I was up all night last night writing that statement. Yes, I attached the rest of the witness statement on post 50, bottom of webpage 2. That's the important part.  It looks like the lawyer who wrote Erudio's Witness statement does not work for them any more. So, I'll have another lawyer representing instead. Not sure if I can use Andy's hearsay argument verbally if that happens.... I did not put it in writing. Apart from not sending deferral forms, my main argument is that in 2014 Erudio fixed some arrears mistake that SLC made and then in 2018 they did the same mistake, sent me confusing letters. What is the legal defence when they send you confusing material?
    • Chinese firm MineOne Partners has been ordered to sell land it owns near a US nuclear missile site.View the full article
    • That isn’t actually what the Theft Act 1968 S1 actually says, BTW. https://www.legislation.gov.uk/ukpga/1968/60/section/1 (1)A person is guilty of theft if he dishonestly appropriates property belonging to another with the intention of permanently depriving the other of it;   The difference between what you’ve said and the Act? a) intent to permanently deprive rather than  just depriving (which is why the offence of “taking without consent” was brought in for motor vehicles, as otherwise "joyriders" could say "but I intended to give it back at the end") b) dishonesty : If I honestly believed A's pen belonged to B, and took it and gave it to B - B might be found guilty of theft but I shouldn't be. 
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    • 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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Hi all - so glad for this site. BOS have been the bain of my life for so long now and was so so glad to find out about reclaiming unfair/illegal charges. I am one of those people who have genuinely been charged £30 for being 2p over my overdraft limit to be asked "Did you know that the Direct Debit was coming off?". I have also been charged twice for XS overdraft when plenty cash was available to cover the payment. Glad/Astonished/Disappointed that there are so many people in same boat as me. I seem to be a bit weird in that i have every statement and letter that BOS have ever sent me so am currently trawling through them working out what they now owe me (+8% interest) in prep for my initial approach to them - will keep you all updated.

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BOS owe me £1857 in bank charges, which with 8% interest comes to £2005.56. I understand that the most you can claim at small courts in Scotland is £750 - so I suppose i'll put in separate claims at Small Claims for instance for charges from 2000-2002, 2003-2005, etc.

Just one final thing - who do i send my letters to, my Branch or a Central HQ? I'm with Halifax BOS by the way if you couldn't guess by the name.

 

Thanks all again

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I would now always send the communication to the head office and not the branch by either recorded delivery or better still Next day delivery a tad more expensive but worth it as it is tracked every step of the way.

 

I sent my letters to the branch and it only delayed things.

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8% APR.

 

0.0002% per day since the date of the charge.

 

You cannot apply the interest to the initial claim letters to them. The 8% APR is allowed under s.69 of the County Courts Act - if it doesn't go to court - you can't claim it. If you start legal proceedings, then s.69 kicks in and you can claim the extra 8% (APR).

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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The 8% APR is allowed under s.69 of the County Courts Act NOT IN SCOTLAND - you can't claim it

Nationwide Total settlement for first claim £810.92 (Charges £570.00) total charges £2579.00 (Another 4 claims to make)

 

Tesco personal Finance -NO penalty charges see post end thread

Egg DPA complaint sent to ICO see thread

Egg also trying to get defaults removed

Abbey National/MBNA credit Card - Eventually settled in FULL:)

 

Citibank Preliminary sent 19/08/06

MBNA DPA sent 30/07/06

Mrs CharlieHo v Providian DPA sent 30/07/06

 

MORE TO FOLLOW

 

Advice & opinions of CharlieHo are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Okay - so i've sent my first letter off asking that i'm paid back £1857 which is the amount in charges that BOS have taken from me. The interst issue is one that confused me from the start. I understood that i could add 8% judicial interest at small claims stage, is this correct? I can cope with not being able to add any contractual interest - that does not really bother me.

At what stage do i seek damages? I can show incompetance on their part since i have twice been charged when having sufficient funds, been charged when 2p over my overdraft limit and also been £60 down in a month solely on their wrongly charging me. By wrongly charging i mean that i have had suficient funds to cover all outgoings - i appreciate now that all charges were 'wrong'. How much do you seek for distress etc. At what point is it getting greedy?

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Hi

 

Still don't get this

 

If they charge me and then charge interest- why can I not claim this back at initial stage- not sure what the interest rate they are charging me- but I have put 8% since date of charge.

 

Also, Scottish Small claims do allow you to claim 8%

 

M

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Hi mcarreno,

 

Also, Scottish Small claims do allow you to claim 8%

 

It is my understanding that the 8% can only be claimed after the date of service (after the summons has been issued) - it would help all in Scotland if you could point us to where it says you can claim the 8%. The main reason that I understand that it cannot be claimed is fruitycar's post Sorry guys....

 

Charlie

Nationwide Total settlement for first claim £810.92 (Charges £570.00) total charges £2579.00 (Another 4 claims to make)

 

Tesco personal Finance -NO penalty charges see post end thread

Egg DPA complaint sent to ICO see thread

Egg also trying to get defaults removed

Abbey National/MBNA credit Card - Eventually settled in FULL:)

 

Citibank Preliminary sent 19/08/06

MBNA DPA sent 30/07/06

Mrs CharlieHo v Providian DPA sent 30/07/06

 

MORE TO FOLLOW

 

Advice & opinions of CharlieHo are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Hi mcarreno,

 

 

 

It is my understanding that the 8% can only be claimed after the date of service (after the summons has been issued) - it would help all in Scotland if you could point us to where it says you can claim the 8%. The main reason that I understand that it cannot be claimed is fruitycar's post Sorry guys....

 

Charlie

 

Tying myself up in knots trying to sort this one. When I tried claimimg it(8%) before BoS completely ignored it. I could have pursued it through the court but I dont know what the Scottish legislation is that supports it. When discussing it with the solicitor at the Sherriff's court she said you can claim judicial interest which is calculated from the date of claim until settlement, she was not aware of being able to claim the 8% statutary interest from the date of each charge. We dont seem to have an equivalent to the County Courts Act here in Scotland. I have asked how others making claims in Scotland have got the 8%, but got no replies yet.

Bank of Scotland round 1: £740 + costs settled, still sore over the 8% grrr

Bank of Scotland round 2: £629 +101.15 interest +£39 costs settled.

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Hi

 

The way I see it- if an unlawfull charge os applied and interest is applied to that charge it should be reclaimable and part of the claim.

 

The spreadsheet on this site includes a calculation for this interest untill court action begins??? and then a daily caluculation for interest at 8% from when proceedings are started.

 

I've just sent prelim request for first lot (under £750 and based on last 6 months statements as I have not received full 5 years despite SAR- 46 days ago) so have a few week before I start claim.

 

Hopefully we will have a definate answer by then- or will the court advise at the time of claim?

 

Thanks

 

M

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the 8% interest claimed at the court stage is not the interest applied to your account in reference to the charges. It is an additional sum that under the County Courts Act 1984) you can claim for having been deprived of the use of these monies.

What I am trying to find out is the equivalent to the County Courts Act in Scottish law.

Bank of Scotland round 1: £740 + costs settled, still sore over the 8% grrr

Bank of Scotland round 2: £629 +101.15 interest +£39 costs settled.

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Well I posted my letter on Mon 21st to the Dunfermline address on BOS website and Royal Mail track and trace says it was delivered from their LEEDS office on Wed 23rd. Not sure why it's in Leeds but they have my letter and the clock is ticking.

By the way - on all the templates on this site the time given at each stage is 14 days. However the time given on Govan Law Office templates is 7 days. Anyone know why the difference and/or if there is a legal requirement to this before going to small claims?

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Hi

 

I wondered that as well.

 

Just received a standard **** OFF and if I waited 14 days and gave them another 14, suspect I would get another standard letter.

 

 

Think I will give them 7 - I want o sort this out ASAP- I have anohter claim for £400 after this (plus anymore monthly charges that are added)

 

M

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I am a newbie and am going to start the process soon re the bank of scotland now the halifax, what i wanted to know is that i have 3 accounts with them do I send a seperate letter requesting 5 years statement for each account or can i ask for them all within the one letter / £10 payment?

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I am a newbie and am going to start the process soon re the bank of scotland now the halifax, what i wanted to know is that i have 3 accounts with them do I send a seperate letter requesting 5 years statement for each account or can i ask for them all within the one letter / £10 payment?

 

You can ask for all the information in one go for all 3 Accounts for £10 fee. You dont have to act on all of them all at the same time, maybe do the closed ones first and then the active one.

Bank of Scotland round 1: £740 + costs settled, still sore over the 8% grrr

Bank of Scotland round 2: £629 +101.15 interest +£39 costs settled.

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Hi

 

The way I see it- if an unlawfull charge os applied and interest is applied to that charge it should be reclaimable and part of the claim.

 

Thanks

 

M

 

Some forum members are including the unauthorised o/d interest in their charges and others are not.

I have chosen not too add this in, as I pointed out to the latest bank employee that phoned, I am not denying that the bank have costs for sending me their computer generated letters, just that they are not £30-35 or more. My argument is that if we reach court stage, I can show that I have been reasonable in my claim.

Bank of Scotland round 1: £740 + costs settled, still sore over the 8% grrr

Bank of Scotland round 2: £629 +101.15 interest +£39 costs settled.

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Hi BOS_Kicked,

 

I just wanted to which you the best of luck.

 

I am currently taking Halifax to court regarding their charges for my Halifax Visa account.

Also waiting on getting my statements for 2 BoS accounts.

I have included the interest they charged on my initial claim.

 

Hondamad

__________________

EGG CC Default Removal: Have reported Egg to Trading Standards, Summery Claim - 2nd Hearing Date 09/10/07. Click here to read posts

Monument CC: received statements, now need to send letters. . . !

BoS Current Account: Settled

Citi Cards: Hhmm seems like I have sued the wrong “entity”. Aaaaahhhhh . . .. oh well back to court I go, and they have settled in full!!!

 

:-D:p:D

This is just advice from me. If you are not sure please seek legal advice. However if what I have said has been helpful, than please add to my reputation by clicking on the scales :D

 

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  • 2 weeks later...

Right well that's their 14 days up and all i've received is a lousy 'we've got your letter and it may take us 4 weeks to respond' Not even a phone call. Surely they know that in two i'll be down at the court! Anyways, my second request for a refund letter goes out today and then it's war. Or court.

I've asked this before but nobody responded, any ideas? -> on all the templates on this site the time given at each stage is 14 days. However the time given on Govan Law Office templates is 7 days. Anyone know why the difference and/or if there is a legal requirement to this before going to small claims?

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Hi

 

I guess it is all about 'what is being reasonable?'

 

Is 7 days sufficient for banks to reply- given the sheer numbers of claims they are getting (thanks to this site and others)- There arguement os probably no.

 

For me I got standard replies (NATWEST) within 5 days to both Prelim and LBA letters.

 

My problem is its happening too quick- I need a few days to sort out claim forms and pop down to court.

 

Some people have being citing 10 days a compromise.

 

I would proceed to court after 14 days regardless- there seems to be lots more stalling tactics after the claim is filed- so try and shorten the time before they replay you now

 

M

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  • 1 month later...

Right, that's it then. It's off to court we got. At least to hand in my forms.

I am not going to claim any interest on the fines up to the date of service as i stand to reclaim around 2 grand anyway. I just have one issue remaining before i nip down to court with my £39 - What date is the date of service? On the excel spreadsheet (simple - scotland) it has a formula for 'Today()' so this changes every time i open my sheet. Plus is this a rolling charge i.e. the amount of judicial interest i'll be claiming today will be greater tomorrow, and the day after etc.

Anyways, if sombody could answer that i'd appreciate it.

By the way i've not even had a call or knockback letter or anything. All i've had is the first letter saying they've received my request for payment and are investigating, giving themselves 4 weeks to reply. Then i got a letter four weeks latter saying sorry for not responding, still investigating etc., we will get back to you by 18th October! - 8 weeks after my request! Anyway i know i've let this one linger a wee bit but ironically money was short last month and i didn't even have £39 to raise my action!

I do now though!:lol:

 

Cheers.

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By the way i've not even had a call or knockback letter or anything. All i've had is the first letter saying they've received my request for payment and are investigating, giving themselves 4 weeks to reply. Then i got a letter four weeks latter saying sorry for not responding, still investigating etc., we will get back to you by 18th October! - 8 weeks after my request!

 

exactly the same with me also though they said 26th october. We'll see how they respond to my MCOL action though.

 

i hope i havent ballsed things up by filling it out incorrectly!

HBOS - Data Protection Act Request 03/08/06

HBOS - Statements received 29/08/06

HBOS - Preliminary Letter Asking for it Back 01/09/06

HBOS - LBA Sent 19/09/06

HBOS - Moneyclaim filed 06/10/06

HBOS - acknowledged claim 11/10/06

HBOS - partial offer received for £716 16/10/06

HBOS - I THINK I MIGHT HAVE WON!! HBOS credit my account

with £2341 + costs/interest!! will know details soon

26/10/06

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Okay well that's it, i've done it. The claim is raised with the Sheriff Court in Glasgow. If anyone is reading this and they are nervous about it going this far, believe me it could not be any easier raising a claim. You've done all the hard work working out what you are owed, writing letters, being patient - going to court to submit your work is a doddle. The only nervous bit is navigating part all the neds that appear to be hanging around the court building. And the airport security. Now i can just sit back and wait for the fruits of my labour. Or i could start chasing someone else. Wonder if my wife has anything owed to her ...

This is actually quite enjoyable!

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