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    • The case against the US-based ride-hailing giant is being brought on behalf of over 10,800 drivers.View the full article
    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
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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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    • 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.

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      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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Flyermonkey Vs Halifax Bank Of Scotland **WON


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Hi,

 

Should the Bank of Scotland not be included under the Halifax group as they are now the same company?

 

I am taking the Bank Of Scotland to court over £2500 worth of charges and under Scottish law the limit for Small Claims is £750 and for Summary Causes is £1500 which means that I have to have a lawyer representing me, which is annoying as it takes so long the minute lawyers get involved! However the advantage (I think) in Scottish Law is that you can go to court in the place that you were due to be paid the money (rather than where the bank is based) which means that if you live in a remote location with few lawyers then the bank has to send a lawyer from at least a 120 miles away (and you know how much lawyers charge for their time....).

 

Interestingly enough, my solicitor can't get any more sense from the bank than I have ever got! So a writ is now winding its way to the local sherrif court, and hopefully will get some kind of reaction. As soon as I have further details and / or a reaction then I will update the site here.....

Smile £315 Paid In Full March 2006 (no court action)

MBNA £2600 Paid In Full May 2006 (no court action)

HBOS £5800 Paid in Full August 2006 (action raised but not defended)

Morgan Stanley £585 Paid In Full August 2006 (no court action)

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I guess its just as well leaving it here, as the law for Scotland is differant?

 

Yeah, it is a problem that the limits for Scotland are so much lower. I think that if I lose then i will have to pay most of their costs. I know that when I took a company to court a few years ago for not paying a £6000 bill (I was self-employed at the time) it dragged on for over a year with the company settling out of court the day before it was due to come up and I still had to pay over a third of my own legal costs, as the costs are set by the court (normally at half to two thirds of the actual costs). I assume that If I lose then I will have to pay a certain amount towards their legal costs, but as far as I understand it is limited - though last time it was still over £2000 plus their own costs that the losing side had to pay!

 

I am gambling on the fact that they won't want to take the risk of losing in a court and that if I have to pay some money out of my own pocket it will at least be less than the money I will lose by dropping the case.

Smile £315 Paid In Full March 2006 (no court action)

MBNA £2600 Paid In Full May 2006 (no court action)

HBOS £5800 Paid in Full August 2006 (action raised but not defended)

Morgan Stanley £585 Paid In Full August 2006 (no court action)

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If its any help, in over a years worth of 'correspondance' with the Bank Of Scotland neither I nor my solicitor have had any kind of sensible reply to any of our letters! They clearly either make a point of not replying to letters or are hopeless at dealing with paperwork.... I still get monthly letters from them and their debt collection agencies despite repeated requests to send them directly to my solicitor.

 

They are the most difficult company to get information from, even by phone or in a local branch as I have tried that route as well. I would just go straight down the legal path as at least you might get someones attention.

Smile £315 Paid In Full March 2006 (no court action)

MBNA £2600 Paid In Full May 2006 (no court action)

HBOS £5800 Paid in Full August 2006 (action raised but not defended)

Morgan Stanley £585 Paid In Full August 2006 (no court action)

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  • 7 months later...

Another victory for the Bank Action Group after a long hard slog!

 

I started on this over a year ago and took on a solicitor to help me, but he turned out to be completely ineffectial so I took on another one 2 months ago.

 

Interestingly enough my account was with the Bank Of Scotland and I have always been resident in Scotland, but my solicitor advised me to try moneyclaim online as the Bank Of Scotland's head office is now the same as Halifax's in England and as the amount I was claiming was £4600 plus interest (£1200) it was still under the small claims threshhold in England.

 

It worked! They issued a notice of intention to claim and then they day before the court was going to set a date sent me a cheque for the full amount of charges, the interest as claimed and the £120 court fees.

 

Worth noting for any other Bank Of Scotland customers.

 

I am also working with my local MSP on putting out a press release about this, so if it gets published I will, of course, update the group.

Smile £315 Paid In Full March 2006 (no court action)

MBNA £2600 Paid In Full May 2006 (no court action)

HBOS £5800 Paid in Full August 2006 (action raised but not defended)

Morgan Stanley £585 Paid In Full August 2006 (no court action)

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Another victory for the Bank Action Group after a long hard slog!

 

I started on this over a year ago and took on a solicitor to help me, but he turned out to be completely ineffectial so I took on another one 2 months ago.

 

Interestingly enough my account was with the Bank Of Scotland and I have always been resident in Scotland, but my solicitor advised me to try moneyclaim online as the Bank Of Scotland's head office is now the same as Halifax's in England and as the amount I was claiming was £4600 plus interest (£1200) it was still under the small claims threshhold in England.

 

It worked! They issued a notice of intention to claim and then they day before the court was going to set a date sent me a cheque for the full amount of charges, the interest as claimed and the £120 court fees.

 

Worth noting for any other Bank Of Scotland customers.

 

I am also working with my local MSP on putting out a press release about this, so if it gets published I will, of course, update the group.

Smile £315 Paid In Full March 2006 (no court action)

MBNA £2600 Paid In Full May 2006 (no court action)

HBOS £5800 Paid in Full August 2006 (action raised but not defended)

Morgan Stanley £585 Paid In Full August 2006 (no court action)

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Yes, I just used the moneyclaim online thing from Northhampton court - the only thing is that you need a mailing address in England, one of my friends volunteered and forwarded any mail onto me. It is just a mailing address, though, as I still used my own address in the pursuer section.

Smile £315 Paid In Full March 2006 (no court action)

MBNA £2600 Paid In Full May 2006 (no court action)

HBOS £5800 Paid in Full August 2006 (action raised but not defended)

Morgan Stanley £585 Paid In Full August 2006 (no court action)

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The problem is that the moneyclaim online procedure explicitly asks for a mailing address in England, so if you don't have one you can't go through it.

 

However, someone else on one of the threads asked if they can use an english solicitor which as far as I am aware would be fine. As, again, they would be only acting as your agent - the fees shouldn't be very much as you won't be asking them to go to court on your behalf or to prepare any legal documents as you would be doing these yourself.

 

The other posibilty is asking if any of the moderators would act as an agent? it doesn't involve anything other than forwarding mail (in my case it was three seperate pieces of correspondance, so not exactly a lot). There are no legal ramifications for them either, as again it is purely a mailing address.

 

Certainly it was much easier and better for me to do the whole amount in one go under English law than trying to do 7 seperate small claims as I would have had to do in Scotland - and the time it would have taken would have meant I would still be at it this time next year.

  • Confused 1

Smile £315 Paid In Full March 2006 (no court action)

MBNA £2600 Paid In Full May 2006 (no court action)

HBOS £5800 Paid in Full August 2006 (action raised but not defended)

Morgan Stanley £585 Paid In Full August 2006 (no court action)

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I am not sure if a PO Box is acceptable, though as you point out the banks use one so it should be.

 

On the court form it just asks for a mailing address (if different from your own address) so I would guess that a PO Box would be fine. Like I say i don't actually know though?

Smile £315 Paid In Full March 2006 (no court action)

MBNA £2600 Paid In Full May 2006 (no court action)

HBOS £5800 Paid in Full August 2006 (action raised but not defended)

Morgan Stanley £585 Paid In Full August 2006 (no court action)

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  • 2 weeks later...

Go for it Clara, they will roll over and when you see that cheque come through I hope you are as pleased as I was!

Smile £315 Paid In Full March 2006 (no court action)

MBNA £2600 Paid In Full May 2006 (no court action)

HBOS £5800 Paid in Full August 2006 (action raised but not defended)

Morgan Stanley £585 Paid In Full August 2006 (no court action)

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  • 12 years later...

This topic was closed on 03/05/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Smile £315 Paid In Full March 2006 (no court action)

MBNA £2600 Paid In Full May 2006 (no court action)

HBOS £5800 Paid in Full August 2006 (action raised but not defended)

Morgan Stanley £585 Paid In Full August 2006 (no court action)

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