Jump to content

  • Tweets

  • Posts

    • So you had until 18th October to pay it.  You didn't.  So you're stuck with a CCJ and a knackered credit file for six years. There is no way out of this.  As far as the court is concerned you were given a chance to defend the case with the court papers and a clear deadline for doing so, but chose not to - lost case.  You were then given a clear deadline to pay the money by, but chose to defy the court - CCJ.  Even if you pay it's too late to get rid of the CCJ Silver lining!  I've been on this forum for eight years and I've never seen a parking company enforce judgement for a single ticket.  It's just not worth their while.  So simply don't pay.  Not paying = CCJ, paying = CCJ, so you might as well not pay.  
    • 1 Date of the infringement 17/11/23   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 24/11/23   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s   3 Date received 26/11/23   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] No   5 Is there any photographic evidence of the event? Yes - in and out of the barrier   6 Have you appealed? [Y/N?] post up your appeal] No   Have you had a response? [Y/N?] post it up No   7 Who is the parking company? Britannia   8. Where exactly [carpark name and town] Waitrose, Berkhamsted, Herts   For either option, does it say which appeals body they operate under. no, dont think so   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   front_compressed.pdf
    • Please damp eyed for a reply later on. We will draft a letter to the hire purchase company and threatened legal action
    • Let's try again –   when did you first have sight of this policy containing this exclusion? **Enter date here** what is the value of the damage your caravan has sustained  **enter figure in pounds sterling here or approximate figure here**
    • ive had my report done...... So the summary say's that the car has not been adequately maintained according to manufacturer standards. It has no evidence of a cambelt which he said should be every 60 months. The car is a 2017. It only has 2 recorded services in its life. He said both front shocks are leaking, MOT failure. Rear shock has bump stop perished.  The front tyres are worn on the inner edges. He said there is a considerable gearbox oil leak which is noticeable.  He has said there is a cylinder 4 misfire which is evident and has resulted in engine management light on. Cannot be road tested due to the way it is running.  He said it has been caused by incorrect or lack of proper maintenance. So now what do i do?   
  • Recommended Topics

  • Our picks

    • 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
    • Post in Some advice on buying a used car
    • People are still buying used cars unseen, paying by cash or by bank transfer, relying on brand-new MOT's by the dealer's favourite MOT station….
      It always leads to tears!
      used car.mp4


    • Pizza delivery insurance.mp4




      Parcel delivery insurance 1.mp4
        • Haha
      • 2 replies
  • Recommended Topics

RBS Waiver Letter

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4584 days.

If you need to add something to this thread then


Please click the "Report " link


at the bottom of one of the posts.


If you want to post a new story then


Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 



Recommended Posts

Hi All, Received this letter a couple of week's ago from RBS. I would like to know how I should respond to it. Thanks.


Please quote our reference when replying Our Ref:


We refer to your complaint relating to unarranged overdraft charges which was previously on hold under the terms of the FSA Waiver. The Waiver has now lapsed and we are therefore writing to you to respond to your complaint. We consider your complaint to have been about the level and, accordingly, the fairness or lawfulness of these charges.

As you will be aware from when we last wrote to you, we (with several other banks) entered into agreed legal

proceedings with the Office of Fair Trading in relation to unarranged overdraft charges on 27 July 2007 to

gain clarity on this issue. Following the judgment of the Supreme Court on 25 November 2009, the test case

process is now complete. _ __ __ __ _ _. ___

In our view, the judgment of the Supreme Court means that the level of the unarranged overdraft charges you have complained about cannot be assessed for fairness under the Unfair Terms in Consumer Contracts Regulations 1999 or challenged under the common law penalty doctrine. We do not believe that there is any other legal basis on which the level of these charges can be challenged.

We are satisfied that the charges you seek to reclaim were properly charged and the outcome of the legal proceedings confirms our position. We are therefore not upholding your complaint and will not be refunding the unarranged overdraft charges you have complained about.

We are happy to address any questions you have arising from this letter. You may find these answered by our website at the following link www,rbs,co.uk/overdraftchargesupd3ie. If your complaint does not relate to the level and, accordingly, the fairness or lawfulness of these charges then please let us know by contacting us setting out the details so we can consider this further.

If after this you remain dissatisfied, we will provide you with details of how to refer your complaint to the Financial Ombudsman Service.

If we do not hear from you within 8 weeks of this letter we will regard your complaint as closed.

!f you have any questions or wish to discuss any of the above with one of our members of staff, ptease call us on 0845 3030 442. Lines are open 9.00am - 5.00pm Monday to Friday or 9.00am - 1.00pm Saturday.

Lyn Kirkland

Senior Centre Manager

Yours sincerely,

Link to post
Share on other sites


I can't help much but I did see this yesterday which you may find useful


The Consumer Forums - FAQ - The New Bank Charges Position

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Hi Series3 thanks for your reply but I'm well beyond LBA.

My claim as been on hold with the court since 2007. What I'm seeking is what should I write in my reply to this letter before my claim collapses after the 8week deadline!



Link to post
Share on other sites

  • 2 months later...

Hi Anni, Unfortunately because I couldn't find how to reply to the letter I've just let it run it's course. Should there be any hope to claim in the future(not holding my breath) I will carry on my claim then.

If you decide to respond to your letter please keep us posted to RBS's response!



Link to post
Share on other sites

  • 1 year later...

Hi there

I'm also dealing with Lyn Kirkland and her delaying tactics are incredible! I took my complaint to the Ombudsman after my case languishing in court for nearly 2 years and I'm not giving up! I'll keep you up to date with whatever further correspondence I get, but if I don't get a satisfactory reply, it goes back to the Ombudsman again!

Link to post
Share on other sites

Also..........don't bother trying the 0845 3030 442 telephone number as no-one ever answers it! I waited for 20 mins again today with no indication of where I was in the queue or how long I would have to wait. Yet another example of the shoddy treament by RBS of their customers! I have asked for an e-mail address and direct telephone number and have advised that I will be turning up at South Gyle personally!

Link to post
Share on other sites

  • 3 weeks later...

Don't give up. I have been getting the same letters from a few banks. I just write back to them with what the Judges in the Supreme Court actuallly said. I am now at the court stage where I am submitting a claim at Dundee Sheriff Court on Tuesday. I have a thread in the Scottish Thread where I will be updating everyone with info on how I get on. I was also dealing with Lyn Kirklad but was then passed to someone else, probably because she was getting tired of me replying to her letters threatning Court Action if RBS did not pay. Me V RBS Group Chief Executive Stephen Hester. (I am going after their Consumer Credit Licence as well). ...Have been trying to write letter in here as well, but once it is posted, the whole post is crammed together, so will try and get a link uploaded for a copy of the template letter.

Edited by dundeelaw
Would not post as letter. All of the post was squashed together.
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?

  • Create New...