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    • 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.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
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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.

      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
      • 161 replies
    • 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
        • Like

Natwest credit card CCA - enforceable


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  • 6 months later...

I've agreed a payment with the above acount based on what I can afford and I'm currently in the process of reclaining charges. I've got a list of all charges applied to the account since it began and it's not really much, just under £100. All the charges however are the standard £12 ones for overlimit and late payments. Can these still be reclaimed and if so, what's the next step?

 

Thanks.

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It's a credit card, at the end of the day, I'm not denying I borrowed the money and I intend to pay it back as best I can.

 

They have been very quick to accept anything I have paid them and have frozen interest for nearly a year now. I may be in a position to offer a full and final in the next few months but I'd quite like to get the reclaiming done first.

 

Thanks for the input.

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  • 1 month later...

@valerie

 

I'm not sure why my situation resulted in them freezing interest. They have done since last July or thereabouts. It could be something as simple as the amounts involved. My debt to them is quite a bit less so maybe I'm seen as an annoyance rather than a money tree.

 

The other thing I did was present an I&E form showing verifyable income and reasonable expenditure and the surplus wasn't much. I've been paying just a couple of pounds a month for a while now.

 

I suspect the relaiming of charges will be a long drawn out affair considering they sent back my very first letter regarding the claim because it had no signature, what a load of nonsense.

 

Anyway, sorry to hear of your OH's health problems. The advice I can give would be don't worry about credit reports. Mine is absolutely shot to blazes to the extent where I couldn't borrow a cup of sugar and you know what, it's the best thing that ever happened.

 

My advice (based on experience, not any qualification)

 

1) Take control. Do lots of reading here.

2) Do a PROPER budget, don't miss anything, you may well be surprised at what you do spend (I was).

3) Work out your total debts, don't miss anything. Mine was much higher than I first realised.

4) After all your income and expenditure is accounted for, your surplus is what you can afford to pay creditors.

5) Send off for CCA requests to all creditors. (letter is in the library)

6) Assuming you are not disputing any debt, pay the creditors only what YOU CAN AFFORD, not what they tell you to pay.

7) Claim back all late and overlimit charges.

8) Relax, stop worrying. You are in good hands. (other Cagger's, not me :) )

  • Haha 1
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Oops, forgot to mention, if you are going to go down the road of reduced payments then you need to get another bank account that has no financial ties with any creditors. They can dip into your bank account and take what they say you are owe if it's the same bank or sister bank.

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  • 4 weeks later...

I've had an offer of all my charges + compounded interest from Natwest but I notice they say that if accepted the refund "will be applied to your account". Am I right in thinking that I can insist on the refund by cheque? I sort of feel that as I was deprived of this money in the first place I should be able to get a 'cash' refund particularly since reducing the balance by the refund amount would be unfair to my other creditors...or have I got that hopelessly wrong?

 

Any suggestions on a further letter?

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I've drafted a letter which basically asks if they could refund me by cheque, I've got two reasons for this...

 

- Money should not have been taken in the first place

- Potentially unfair to other creditors

 

I am sure I've seen a draft letter template somewhere which outlines several reasons for a refund by cheque rather than just reducing the balance but I've searched for hours and turned up nothing. Am I going mad?

 

Anyone have any other reasons which give creedence to my argument?

Edited by chattanooga
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Hi,

 

I have'nt seen the template you mention but think if you can argue you are still in Financial hardship ,eg you have mortgage or utility arrears, this should help your request.

I know the Ombudsman has said this is generally acceptable as it is returning you to the position you would be in without charges but it does'nt really as there's always a knock on effect which involves your other debts ect.

 

I'll have a look for that template.

 

Are they refunding everything you asked for ?

 

They are refunding all charges plus interest.

 

I could be completely wrong about having the right to insist on a cash/cheque refund but it's one of those niggling things in the back of my mind...I'm SURE I've seen it SOMEWHERE, it's infuriating :)

 

 

EDIT: I've scoured the intertube and can't find any info for definite, most of the hits seem to suggest the credit card companies have every right to do this so I think I'll write a very polite and respectful letter gently requesting I get a cheque refund. If that gets no result I'll bite the bullet and accept the balance reduction.

 

Thanks for the help.

Edited by chattanooga
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