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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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      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.  

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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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Sheriff puts Bank of Scotland to proof on bank charges


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Yup - we had a 1p od that morphed into £900+ before they admitted the error of their ways and corrected. Well - they didn't, of course, admit anything but having gone head to head with their collections and them having been told in a variety of ways to 'do their worst' someone actually had a look. Took about 6 or 7 months.

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Apparently whichever Lender referred the overdraft information to Experian does not agree with BOS that banking contracts do not fall within the regulation of cca 1974

 

Post 151 Page 8

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/237096-overdrafts-covered-ccas.html

 

wouldn't it be ironic if it was RBS!!!!!!!!!!

 

m2ae

Edited by means2anend
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m2ae, in long threads, if you just want to lift one post, if you click on the post no, it opens in a separate window, and you can then copy/paste that URL instead.

 

Like so:

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-3004364.html

 

HTH

 

Or to take you that spot in the thread....

 

Just click on the Permalink hyperlink next to the post number and copy/paste the URL in your address line, it changes to the post number when you click on the hyperlink.

 

S.

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Hi,

 

I would like to start a new thread on how many claimants have had their bank charges claim struck out and why. Can some one please show me how to do this please?

 

TheyrCriminals

 

At the top of this page click on "OFT Test Case Updates and Discussion" then on that page top left under all the adds etc but before the list of topics you will see a "new thread " button. Click that then create your thread.

 

M1

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Hi Theyrciminals :)

 

If you go into the main HSBC forum page , top or bottom left of the grids you'll find a 'NEW THREAD' button . Just click on that and off you go - give it a name that suits you purpose ....

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

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Sorry ,I was assuming that you were on HSBC .....but any main bank forum page will do ......

:)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Hi,

 

I would like to start a new thread on how many claimants have had their bank charges claim struck out and why. Can some one please show me how to do this please?

 

TheyrCriminals

 

 

This will help you TC - Users Guide Written by our very own bookworm so it has to be good :)

HTH (Hope This Helps) RDM2006

 

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If asked under the freedom of Information Act I imagine they'd have to disclose this, breeze .......

 

But they've already admitted to the Supreme Court that their charges are designed to make about a third of their profits and give free banking to those who are rich enough not to need it ........ :rolleyes:

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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If asked under the freedom of Information Act I imagine they'd have to disclose this, breeze .......

 

But they've already admitted to the Supreme Court that their charges are designed to make about a third of their profits and give free banking to those who are rich enough not to need it ........ :rolleyes:

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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OOPS double post .! :oops:

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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If asked under the freedom of Information Act I imagine they'd have to disclose this, breeze .......

 

But they've already admitted to the Supreme Court that their charges are designed to make about a third of their profits and give free banking to those who are rich enough not to need it ........ :rolleyes:

 

If memory serves FOI only applies to public bodies not private forms.

 

Of course lloyds muddies the water somwhat

 

S.

Edited by the_shadow
Damn mobile browsing and typing :-(
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BREEZE........no the Scottish courts have placed the evidential burden of proof on the Banks as to why they think their charges should be looked on as fair.

 

BAsically its up to the Bank to prove their charges are fair....end of!

 

If they were, it would take no more than a week or two to produce that evidence from ANY organisation if they were!

 

Why has it taken 4 months and technical legal wrangles just to try and move the case to a higher track?

 

The Banks are on the ropes and are hoping to abuse their dominant position once again to win against the intersts of fairness and justice. THey are hoping that they can force the LIP to drop the case due to lack of funds.

 

A thought strikes me as to the fact that if the Bank charges regieme is fair, then not only prove it (Banks) but lets get a test case in the Court to settle it!!!!!!

 

If the public can see through this and which also goes against the Human Rights legislation and the Overiding Objective then surely the Judges will to?

srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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Just look at the Supreme Court judgement, they have just encouraged the banks with their judgement - 'it's their core business', previously they didn't make any profit from it, the charges merely covered their costs. They will just carry on ripping

off people who can't afford to be ripped off.

The only place to get justice is Europe, and the contridiction above stacks up well.

 

 

'If the public can see through this and which also goes against the Human Rights legislation and the Overiding Objective then surely the Judges will to?'

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If the public can see through this and which also goes against the Human Rights legislation and the Overiding Objective then surely the Judges will to?

 

 

I gave up on the idea of "blind justice" long ago as soon as I realised that it appears the way to win in court is to have loads of dosh or well backed. Most I could wish for is a sympathetic judge tbh.

 

S.

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I gave up on the idea of "blind justice" long ago as soon as I realised that it appears the way to win in court is to have loads of dosh or well backed. Most I could wish for is a sympathetic judge tbh.

 

S.

 

Are they not a dying breed Shadow :rolleyes:

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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In all fairness to the Judges, they can only act on the information and the way the case is presented with the guidance within the Law to make an informed Judgement.

 

Remember they have to give a reasoned argument (Solomons Judgemet) as to why they have given the judgement and if any fact pertinent to your case has been omitted then don't cry foul.

 

It really is up to the Claimant (in our cases) to keep on top of the Judge if they make mistakes or have failed to take into account any fact etc etc to ensure that we brow beat them into submission. ;)

srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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Remember the Law and the Judges will work for us if we use the Law and facts to our advantage and prevent the Banks from twisting it, in other words ensure your case is not taken out of your control!!

srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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