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    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.
    • Hi and thanks It looks like they ticked all the boxes to me but I'll try and upload the notice. I was wondering if a witness to late delivery might be considered proof - I'm assuming they posted it as normal but Royal Mail stuffed up delivery. If not then they're really saying it just has to be posted within 12 days of the incident, regardless of when it is received. Annoying! edit ok thanks Honeybee here's my 2nd (actually 3rd) attempt at anonymising, copying and uploading the notice! Sorry about the state of it - I sat on it while distracted by my dog 🙃 pcn front.pdf pcn back page.pdf
    • ROFL - dont get upset just because someone (quite a lot of someones) dont want smart meters - well unless you get paid for it .. in which case ...   I assume you haven't been with Octopus long enough to be on one of the very long fixed price tariffs they offered before the prices went bonkers .. and that you dont use your electricity in the evening/lunch time if you think the 'agile type tariffs are good value .. let alone worth installing a smart meter for - high price a good disincentive for an evening cuppa eh? Let alone all your computer/tv etc time in the peak price evening or lunch time. - and boy do those peak prices instantly hammer your bill when those Russian and middle eastern issues kick off.   I would only have considered a smart meter if solar panels had been an option for me - but roof is oriented completely the wrong way. Oh - and My opinion hasn't changed since the smart meter trials 40 years ago, because neither have the issues (well not enough) but I'm happy for you. Be happy for me.
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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RE Loan repayment mess up!


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Hi guys

 

I'm new here and after having a look on the moneysaving expert I was directed here and am in the process of starting a claim for unfair charges.

 

I have received my statements for the past six years and have gone through them noting all my charges.

 

Whilst doing this I noticed that something didn't seem to be quite right with my loan repayments. It looked to me like the bank I had the loan with were taking 2 payments from me each month!!

 

I have spent quite some time going through this and have just had it confirmed with a personal banker today. The bank manager also came over and apologised profusely! The bank had set up a standing order to go from my bills account to my loan account, instead of my current account (to pay my direct debit for the loan). So the standing order was going into my loan account, as well as the direct debit that the bank was taking from my current account, thus the two payments.

 

The reason for starting this thread is just to get people's opinion on where I should go with this.

 

The Bank Manager offered me a full refund on the over payments, which I declined. The Bank manager then asked me what I would like. I said as a minimum I would like any charges, overdraft interest and overdraft protection fees refunded, which she said wouldn't be a problem, pending an investigation by herself.

 

However, due to the fact that I have been paying two payments each month since December 2004 (!!) and obviously cannot afford this or I would just be paying one larger payment, is there a possibility to gain compensation, or something else, other than what I have mentioned??

 

Any advice would be extremely appreciated, as this is quite a unique case to me, not knowing anyone who as been through this before!

 

Matt

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Hi Matt

 

Post this here and you will get more response than here in the welcome forum:

 

http://www.consumeractiongroup.co.uk/forum/general/

 

Welly:)

DONT FORGET TO DONATE TO THIS SITE WHEN YOU WIN THANKYOU

If you dont it wont be here:x

 

Let battle commence!!!!!:mad:

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

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Guest NATTIE

the bank will refund it because it is a blatant Bank Error. It may take a few days but I cannot see a problem with them doing so.

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