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    • 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.
    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • 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  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
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    • If you are buying a used car – you need to read this survival guide.
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      • 1 reply
    • 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.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • 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.

      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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we have WON


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I am new to this site so Hi to you all. I am taking on the Halifax for my 18 year old daughter who has been charged £900 bank charges over 3 months. We have writen to them to ask for these charges to be refunded and of course got the standard reply.. What a joke they are only prepared to offer her £200 reduction. We are accepting this and taking them to court for the rest. In the mean time (we seem to have 4 departments now writing and phoning us, just to confuse things!) they are now taking "further action" to recover their money as she has apparantely broken a "promise" to repay £900. At no time did they mention a payment plan to her,or get her agreement for one. Do they make things up in their sleep!! Last night they phoned again demanding payment now in full and then hung up on her before finishing the conversation.. SOO frustrating. They have until next week and we will fill in the court forms.

C&c

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Hi, this is pretty much how i got treated, with the excessive amounts of phone calls etc (i received 20 calls in 14 days - and those are just the ones i answered!), there are a few bits you can do, because this sort of threatening behaviour over the phone demanding payments etc is harassment, if you check my thread - http://www.consumeractiongroup.co.uk/forum/halifax-bank/6939-essjaydee-halifax.html - there's a few posts in there about what to do in response to the harassment.

 

good luck!

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Thanks for that thread, I have read it all and just sent a letter to the Halifax about harrassement. See if that shuts them up. Who do they think they are phoning an 18 year old and demanding £900 today. 9 calls in less than 3 days!

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  • 5 weeks later...

Hi,

I started a thread somewhere but will start again as it was a while ago. I am fighting for my 18yr old daughter who has run up £1000 bank charges is only 4 months of having her account opened. Anyway, we have sent all the letters including harrassement letter as she gets 5-10 calls per day demanding the money now. They ignore all written correspondance. Does anyone know who to address letters to as we have so many differant people contacting her, that not one seems to know what they are all saying.

She was offered a £200 refund that we acepted in writing and also asked for the full refund. Someone else wrote to her last week saying she refused their 6 month refund offer (as she has only had the account 5 months does that mean we can now say yes to the full £1000 back?)

They have now passed her account to a credit company. We offered to pay £50 per month into her account until this was settled, and are doing so, but this has been ignored. Can they now default her account?

We are now going to fill in the court forms, but I think we will loose this battle.

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Hi,

I started a thread somewhere but will start again as it was a while ago. I am fighting for my 18yr old daughter who has run up £1000 bank charges is only 4 months of having her account opened. Anyway, we have sent all the letters including harrassement letter as she gets 5-10 calls per day demanding the money now. They ignore all written correspondance. Does anyone know who to address letters to as we have so many differant people contacting her, that not one seems to know what they are all saying.

 

If the letters are from the Halifax then the adressess are in the forum near the top

She was offered a £200 refund that we acepted in writing and also asked for the full refund. Someone else wrote to her last week saying she refused their 6 month refund offer (as she has only had the account 5 months does that mean we can now say yes to the full £1000 back?)

 

you have to follow the proccedure ie preliminary request for payment and then the lba letter if not already done so

 

They have now passed her account to a credit company. We offered to pay £50 per month into her account until this was settled, and are doing so, but this has been ignored. Can they now default her account?

write to both the Halifax and the credit company stating the account is in dispute that should stop any further action, you need to get her credit file read this thread here How to get your default removed

We are now going to fill in the court forms, but I think we will loose this battle.

you would be very unlucky to loose if you follow the right proccedure

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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All the letters we receive are from the same address but differant people and differant sections.

We have followed the order of letters, starting with the prelimanary please can I have these charges dropped as they are unlawful and unfair etc.

Followed by an answer saying no you signed the customer contract agreeing to charges etc.

We sent them the next letter and so on and are now up to the court next.

So far they are being unreasonable and starting a default notice and credit agency involvement.

This is very stressful and worrying as their is no way my daughter can afford to pay this costs.

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then file a court claim and write the letters as i suggested in my previous post

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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I have just read how to get a default notice removed. Thanks for the information. I have applied for her credit file from Experian and copied the letters for her to start sending when the report arrives.

I shall now go to the on-line court stuff and start reading this. This is now done and the claim filed at a cost of £120. All letters typed and off to the post.

Thanks for help.

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glad to help good luck

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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  • 2 weeks later...

We did it....At last. After weeks of harrassement from the bank and threats that they were taking action, I filed a court action and paid £120. That was only a week ago. Yesterday we got a letter saying although they are not at fault, my 18 year old daughter is, they will refund the full amount £822 plus court costs as it will cost them more than that to defend her claim in court.

Thanks for your help. Now to try for my other daughters account.

happy mum and daughter.

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Very well done - seeing these threads keeps us going ! :D

:D :D :D :D :D

 

Halifax Bank Account.. Sent 1st letter, to calim ££ on 08.09.06 - Recorded Delivery. LBA Sent on 22.09.06, Moneyclaim form sent on 10.09.06

 

Halifax Visa Account.. Sent 1st letter to claim ££ on 08.09.06 - Recorded Delivery - Recieved a letter on 21st September to say full amount will be refunded -- £240.00-

 

Argos Card Account.. Pending.

Egg Card - Pending

 

DESPIT MY ATTEMPTS TO DONATE TO THIS SITE I DO NOT HAVE A PAY PAL ACCOUNT - JUST TO LET YOU KNOW I HAVE TRIED !

 

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Congratulations. I have merged your threads so that people can see how you won.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Well done, great news.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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