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    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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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.

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      Many thanks 
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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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Smiths V Nationwide - Nationwide Paying Up!!! Yipeeee!!!


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Hi all,

 

Ive finally worked out how to post a thread :smile: lol. Have just paid £250 via the Moneyline court system to claim back the £11+k i've been charged by Nationwide over the last 6 years. Could you all please cross your fingers for me :grin: . Nationwides reply to my claim was that I agreed to their terms and conditions so tough...so as I couldnt pop down the the high street and thump the branch manager I had to proceed to court. Will keep you all posted. Good luck everyone :)

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Hi all,

 

Ive finally worked out how to post a thread :smile: lol. Have just paid £250 via the Moneyline court system to claim back the £11+k i've been charged by Nationwide over the last 6 years. Could you all please cross your fingers for me :grin: . Nationwides reply to my claim was that I agreed to their terms and conditions so tough...so as I couldnt pop down the the high street and thump the branch manager I had to proceed to court. Will keep you all posted. Good luck everyone :-)

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Hi all.

 

Have finally worked out how to post a thread :smile: lol. After following the procedures suggested on this site I have today paid £250 via the Moneyclaim court site to claim back the £11+k i have paid in charges to Nationwide. Basically their reply to my initial letters was "tough". Ill keep you all posted. Everyone cross your fingers for me please :grin: . Good luck to you all.

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WOOOOOAAAAAHHHHH.

 

That is one hell of a claim. Fingers crossed on this one and please, please keep us updated - haven't seen one this big on the Nationwide section.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Blimey, good luck nursiepoos... as Dolly says that is a big claim.. Go get em girl!! :D

Whoo hoo Settled in Full. 16th April 07

Notice of Acknowledgement: 17th March 07

Claim Form to CC: 8th March 07

LBA sent: 8th Jan

Prem Letter: 12th Dec 06

Nationwide Claim. £2921.96

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Good luck! That is huge! Really hope they pay up for you.

Capital One : £200.00 - Prelim sent then £68.00 put into a/c. N1 issued 08/08/06 for £132.00 + £19.54 @8% - Total Refund received

 

Monument: £532.00 + £96.11@8%. N1 issued 08/08/06. Defending claim.

 

Nationwide: Claiming £4835.87

£4593.53 paid back 18/08/06 Emailed Charles Bacon 21/08/06 to get the difference of 242.34 paid back.

 

NatWest: Prelim sent 22/08/06 for £1018.00. N1 issued 08/09/06. Filed judgement and received cheque for 1366.97 (inc interest) 28/09/06

 

Topshop: Total refund received £102.00 after 1st Letter

 

 

:p:lol: :lol: :p

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Thanks to all those who replied. Yes £11k is a huge amount, and dont forget thats just the last 6 years. I 've banked with them for 17 years. We really are that bad at running our account, its quite embarassing really, but most of the time the money has only been a day or two late being paid in (hubby self employed) but even if you ring them and say this is going to happen they aren't interested in helping you out. Today we received a Notice of Issue from the court letting us know that our claim had been lodged and that Nationwide had been sent their docs on 10/08/06. they have until 29/08/06 to reply. will keep you all updated. I think I read somewhere that this site would like my claim number/court details etc so they can track my progress too, cant remember where i saw it tho...anyone know? keep in touch mates :D x x

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Hi everyone,

 

Well this morning I received the Notice of Acknowledgment of Service and Nationwide intend to defend all of my claim. OK, so now i feel like caving in already :sad: . What a wuss. I cannot bear the thought of actually going to court, although Dolly-site helper- has kindly offered to dig out some information for me. I know i'll get all tongue tied and incoherent lol. the thing is £11k is a huge amount thats worth fighting for, i dread to think what i'll have to pay out if i lose! Prayers and crossing of appendages welcome ;)

 

x

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Well good luck nursiepoos - I received notification of their intention to defend on Wednesday 19th July, and the money started to go in on Thursday 20th July.

 

Remember - it can appear at any time of day.............

 

Tazz

Nationwide

May 23 Data Protection Act request sent

May 25 Data Protection Act request acknowledgement received

June 13 Statements Received

June 13 Prelim letter sent

June 26 LBA sent

July 12 Claim issued via Money Claim Online

July 21 £4798.29 paid into account

 

Endeavour Personal Finance

Sep 12 Prelim letter sent

Sep 18 LBA sent

 

GE Money

Sep 20 SAR

 

SPPL

Sep 20 SAR

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Nursiepoos - have you still got an account with them? Every time they have said that they intend to defend the money starts going into the account within a day or so, so if you have, please check it :)

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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OMG OMG OMG I'm in shock. It does work, and these advisors aren't crazy! Lol.

Total claim £11,247.00

  • Data Protection Act letter sent 06/06/06
  • Prelim Letter 24/07/06

(LBA not sent as they charged me another £750 last month and wouldnt negotiate 2 days for me to get the money in the bank so I threw a hissy fit and went straight to the moneyline stage, willingly handing over the £250 fee)

  • Moneyline claim 10/8/06
  • Acknowledgement of Service 14/8/06

22/08/06 - Payment into account - £250.00

23/08/06 - Payment into account - £9,080.00!!!!!!!!!!!!!!

 

Presumably they'll pay the rest today or tommorrow. I'm over the moon. All those jitters were worth it. Keep going everybody, if they can pay me back £11,000 then they are admitting that they cant justify their charges. I might even claim back the £750 they charged me last month now lol. (New acc with Lloyds opening tommorrow.)

 

Many many thanks to Dolly for all you support and advice. We will hand over 5% gladly and thankfully.

 

(Not sure what to do about the court now though, I see there is a customer helpline phone number on the Moneyline site, will give them a call.)

 

Could Dolly or a Moderator please contact me for details of how I can hand over some of this lovely lolly :)) x x x xx xx

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WELL DONE!!!!! CONGRATS!!!! BET YOUR GONNA HAVE A GREAT WEEKEND!!!!

 

I WOULD JUST DIE IF THAT WAS MY BALANCE WHEN I WENT TO DRAW OUT ME LAST TENNER LOL!!! :p

***Nationwide***

Data Protection Sent 05/08/06

Statements received 17/08/06

Prelim Sent Rec Delivery £1231.50 18/08/06

LBA Sent 11/09/06 Rec Delivery

N1 Issued 28/09/2006 for £1561.80 inc Interst

Date of Service 30/09/2006

***WON*** NATIONWIDE PAID 12/10/06

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Well Done, i wish i was at that stage! - I have to wait until 4th Sept to see if they respond although mine is only £683.14pence i wish i had it back then i would close the Account.

Why do they that these unauthorised overdrafts / Charges are Transparent and they think they are in the right?

Has anyone been to the stage where they have had there claim issued to the Nationwide and then had a letter from the courts to tell you that they have so long to reply?

It's a long winded process starting to get bored with it, but i want my £££ back so it's just a waiting game i suppose? Any one that can give me some feedback please advise

 

Thanx

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Well done to you.

 

Not to put you off, but I had my claim acknowledged by Nationwide and they paid *some* into my account, the majority but not all. I'm still awaiting the rest, and there is no sign of it. It looks like I'm going to have to file judgement by default for the rest.

 

So keep an eye out for it and I'll keep my fingers crossed that they pay up the rest sharp-ish!

 

Bev

Nationwide - WON

 

Lloyds - £4,664.25 + costs

Data Protection Act Letter sent 29/06/06

Information received 28/07/06

Preliminary Letter sent 14/08/06

Reply Rec'd 19/08/06

LBA sent 29/08/06

Filed with MCOL 26/04/07

Defence filed and AQ disposed with 15/05/07

AQ from local Court received 21/06/07

Request for more info received 30/06/07 - Reply sent 02/07/07

AQ Filed 03/07/07

Prelim Hearing 17/08/07

 

Abbey - £1,611.20 excl 8% + costs

Data Protection Act Letter sent 18/07/06 - 40 days up 29th August

Reply Rec'd 26/07/06 - microfiche argument.

Microfiche letter sent rec del 27/07/06

Complete transaction list Rec'd 23/09/06

Prelim letter sent 25/09/06

LBA sent 20/10/06

 

Barclaycard - £758.53 excl 8%

Data Protection Act Letter sent 22/06/07

Prelim letter sent 20/03/08

Reply rec'd 09/04/08 - offering £296

Rejection & LBA letter sent 18/04/08

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Well done Nursie !

 

Its a great feeling isn't it.................. :D

 

Its unbelievable that all the banks have been getting away with this for so long - spread the word!

Nationwide

May 23 Data Protection Act request sent

May 25 Data Protection Act request acknowledgement received

June 13 Statements Received

June 13 Prelim letter sent

June 26 LBA sent

July 12 Claim issued via Money Claim Online

July 21 £4798.29 paid into account

 

Endeavour Personal Finance

Sep 12 Prelim letter sent

Sep 18 LBA sent

 

GE Money

Sep 20 SAR

 

SPPL

Sep 20 SAR

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Hi all,

I've finally got up off my knees lol. Had a letter from Deborah Desborough at nationwide HQ today to say that she has refunded the full £11,247.00 plus my £250 court costs today and to contact her if i have any further queries! Not been told they're closing my acc yet but have opened parachute acc with lloyds today anyway on Dolly's advice.

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  • 4 months later...
Guest xipetotec46
Hi all,

I've finally got up off my knees lol. Had a letter from Deborah Desborough at nationwide HQ today to say that she has refunded the full £11,247.00 plus my £250 court costs today and to contact her if i have any further queries! Not been told they're closing my acc yet but have opened parachute acc with lloyds today anyway on Dolly's advice.

 

They might not close your account with 11 grand in it would they..:lol:

Barry

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