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    • next time dont upload 19 single page pdfs use the sites listed on upload to merge them into one multipage pdf.. we aint got all day to download load single page files 2024-01-15 DBCLegal SAR.pdf
    • If you have not kept the original PCN you can always send an SAR to Excel and they have to send you all the info they have on you within a month. failure to do so can lead to you being able to sue them for their failure.......................................nice irony.
    • Thank you and well done  for posting up all those notices it must have have taken you ages.. The entrance sign is very helpful since the headline states                    FREE PARKING FOR CUSTOMERS ONLY in capitals with not time limit mentioned. Underneath and not in capitals they then give the actual times of parking which would not be possible to read when driving into the car park unless you actually stopped and read them. Very unlikely especially arriving at 5.30 pm with possibly other cars behind. On top of that the Notice goes on to say that the terms and conditions are inside the car park so the entrance sign cannot offer a contract it is merely an offer to treat. Inside the car park the signs are mostly too high up and the font size too small to be able to read much of their signs. DCBL have not shown a single sign that can be read on their SAR. Although as they show photographs which were taken the year after your alleged breach we do not know what the signs were when you were there. For instance the new signs showed the charge was then £100 whereas your PCN was for £85. Who knows, when you were there perhaps the time was for 3 hours. They were asked to produce  planning permission which would have been necessary for the ANPR cameras alone and didn't do so. Nor did they provide a copy of the contract-DCBL  "deeming them disproportionate or not relevant to the substantive issues in the dispute" How arrogant and untruthful is that? The contract and planning permission could be vital to having the claim thrown out. I can find no trace of planning permission for the signs nor the cameras on Tonbridge Council planning portal. and the contract of course is highly relevant since some contracts advise the parking rouges that they cannot take motorists to Court. I understand that Europarks are now running that car park which means that nexus didn't  last long before being thrown out.....................................
    • Hi,   I am not sure if I posted this already here but I don't think I did. I attach a judgement that raises very interesting points IMO. Essentially EVRi did their usual non attendance that we normally see, however the judge (for the first time I've seen in these threads) dismissed the notice and awarded me judgement by default because their notice misses the "confirmation of compliance" paragraph. in and out in 3 minutes (aside from the chat at the end with the judge about his problems with evri) Redacted - evri CPR loss.pdf
    • Just to update this. I did apply to strikeout and they did not attend the hearing. I won by defualt and the hearing lasted 5 minutes (court only allocated 15). The judge simply explained that the only matter he was really considering is if the Defendant could have any oral evidence to defend the claim. However he said he had decided that based on their defence, and their misunderstanding of law, and their non attendence he did not think they had any reasonsable chance so he awarded me SJ + Costs on the claim form + the strikeout fee. Luckily when I sent the defendant the order I woke up the next day to a wire trasnfer for the full sum of the judgement
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mum took out a loan with Royds - Can we get the ring back???


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Years ago, when my mum took out a loan with Royds... they took her engagement ring as security and put it in the branch safe.

 

Years have passed and they still have it. One debt to them is being paid via Wescot, the other is yet to be CCA-ed...

 

If we ask for the ring back, are we asking for trouble? Should we just leave it there?

 

Any help appreciated...

 

Thanks

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Strange but if the ring was used for security and the loan hasn't been repaid then surely they have the right to keep it.

What is the value of the ring because this should be deducted from the balance owing surely, yes and who are Royds?

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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If they are a pawnbroker, then the ring is theirs until redeemed, if they sold the debt on then the ring value should have been used against the outstanding balance. but then again a pawnbroker would only loan the valsue of the ring so there should be no debt to sell on

 

so who are Royds

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Lloyds TSB = Hemorrhoids = Royds - sorry!

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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No, no receipt for the ring... if there is one it was lost long ago in the sands of time - my dad was alive when this was done and he passed fifteen years ago...

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Guest HeftyHippo

This wasn't security surely, as they can't do that. You left it with them for safekeeping didn't you, and they waived their fee or else never bother invoicing you?

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According to my Mum, it was left there as security... that is how she remembers it, and that is what I recall being told at the time...

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Guest HeftyHippo
According to my Mum, it was left there as security... that is how she remembers it, and that is what I recall being told at the time...

 

Left for security, or left AS security?

The bank is not a pawnbroker and should not take physical items as security. Perhaps your memory is dulled and it was left for safe keeping.

 

There are specific parts of the CCA that apply to pawnbrokers and issuing of receipts etc. I believe they are also regulated separately.

 

If it was left AS security in some strange way, that is a shame because the ring's value would be offset against the loan, and on default, the ring would be their's, whilst if it was left for safekeeping, ie FOR security of the ring, it would remain the owner's (your mother, father, their descendant's etc) and if it could not be found, the owner would have a claim for its value because of the bank's negligence.

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I think I am just going to take mum to the bank and try our luck... thanks

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Thanks... will do that x

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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