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    • Whatever the nuances of the law, they will be lost on OPS, who like the rest of the PPcs never bother to get planning permission, ever. When they get a new contract they don't want to delay issuing PCNs by deigning to follow the law, especially as the period when they take over and the parking restrictions are new is the time when they can catch most drivers out.
    • I had some contact with this company earlier in my working life but I'm afraid there's not a lot I can suggest that you haven't already done. During your grandfather's time  British Celanese was a subsidiary of Courtaulds. Courtaulds was subsequently (after your grandfather had stopped working there) acquired by Alzo Nobel. They in turn closed down the Spondon site and sold it. I have no idea what the number is that you are trying to call. It's a Derby (Spondon) area code but the number appears not to be allocated. From my slim knowledge of the history of the company I would have expected your grandfather's pension to be in the Alzo Nobel (CPS) Pension Scheme.  But Willis Tower Watson are the Pension Scheme Administrator of that scheme and would be the people who should know if your grandfather had contributed. Is your grandfather certain he contributed? Joining pension schemes wasn't compulsory in those days. Or might he have got his contributions returned when he left them? That happened sometimes back then. Sorry not to be of more help.      
    • I am sorry I am not aware of this report from IAS assessors? The Court will consider my application at a online hearing in June. The Court instructed me to send Bank copies of my sons condition proving he could not have been the driver I have heard nothing further. My son is not aware of any proceedings I have not involved him to avoid causing him distress, he has been sectioned a fair few times and I need to avoid this happening.
    • I am very pleased that the Court has taken the decision to allow you to  represent your son and hope that he is happy enough with that to relieve the stress he will also be feeling. I do agree that Bank parking are so insensitive, greedy, horrible etc etc to continue proceedings considering  in what it is a very minor case of a wrong number plate . Even their  own  IAS Assessors, who are normally hopelessly biased in favour of their members, went out on a limb and said  " The Operator's evidence shows no payment for the Appellant's vehicle, or anything similar. It does show two payments for the same registration in quick succession. I would take a reasonable guess, based on the circumstances described, that the person paying has paid for the registration of the person they assisted again." That is damning evidence and you must take that report with you as well as including that in your Witness Statement which we will help you with. I would expect that Bank would discontinue the case at that point.  But I am sorry to say  that you should not count on it.  
    • Evening all,   I have deliberated over this offer for two weeks and I have decided to take their offer. I do understand that some may prefer us to go to court and receive a judgement but with our personal circumstances and my current military commitment that could become an issue. I am so grateful for all the help and support you have all offered me over the last few months. I will continue to monitor this site and push all those that are being wrong to get in touch.   Thank you! what you all do is truly amazing!
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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.

      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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I have just recieved an email telling me that they are posting out the information that I requested - not sure what the amount will be but should be about £900 ish - From reading everyone elses threads on cahoot it seems that they are the hardest bank to get charges refunded - what are my chances? and will you guiys help me if I get stuck? :confused:

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Hi

 

I'm not far into the process either - sending my LBA next week, but I'll help as much as I can. It does seem that Cahoot are really difficult, although maybe this is because people who have success aren't posting? Or maybe it just looks like cahoot aren't getting as much success as the other bigger banks because there are fewer people claiming.

 

Either way good luck - it's a lot of money and the law is on your side!

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Your chances are fine. You could send your letters through their website, to speed up the initial letter writing stages of intitial approach for repayment and the letter before action (I asked for a list of charges through the 'contact us' sectin of their website, and any further correspondence through [email protected]).

 

I'm filing a court claim myself next week.

 

Just hang in there...

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Hi,

 

I posted mine and got an email back telling me to sod off. I'm posting all of mine as I no longer have an account with them and so view it as being more professsional, although as their responses are via email it really doesn't matter.

 

Read the FAQs before starting - you need to send the prelim letter in the library, but READ THE FAQs and keep us posted.

 

Good luck! Lager Lou

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Hi

I have found your messages really helpful- I sent my first letter to them (I closed my two current accounts with Cahoot in March) about 25 days ago and have heard nothing from them not even an acknoledgment to date. Did you guys receive a letter acknowledging your request for statements letter? If you had an email- did they email you at the email address you hold/held and registered as customers- my personal email that they had a record of is also closed down.

 

Very worried about the whole thing and not sure what I do now- do I chase by letter about the statements until the 40 days are up? and then what as I have no idea how much they owe me- just that it's a lot!?

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  • 2 months later...

Hello

It's ages since i started my actions against Cahoot. I sent off my lba about a month ago and still have not got my court bundle together. (hectic time with post grad studies).

Now, am filling in N1, printing off copies of print out statement from Cahoot, printing out email correspondence from Cahoot. Has anyone included anything else in the bundle (supporting evidence from reports etc etc)?

Be grateful for any advice

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Hi,

 

Am a bit confused about which stage you are at. if you are filing an N1 form then you do not have to (yet) worry about putting together a court bundle. The bundle will be needed if you get a court date - this will not be for a while yet.

 

When submitting your N1 you just need to attach a schedule of charges, which should include your account number, name, dates you were charged, type of charges and the amounts. There is a spreadsheet to help you do this in the library; there is also advice on how to fill in an N1 form in the library.

 

Hope this helps, Lager Lou

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Many, many thanks. I was v. confused too! That's really helped.

Am also confused about what interest if any to include on the schedule.

 

Up to this point i have put on the 10.6% charged on the o/d by Cahoot.

:confused: is this right? it seemed only fair to me.

 

i have had no reply whatsoever to my L.B.A. either.

 

ha hum

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The following link will take you to the spreadsheets in the library. Personally, I've not bothered calculating the overdraft interest as my claim is quite small and i didn't feel it was worth it, so I'm unable to help you calculate the interest accrued on your overdraft - sorry, maybe somebody else can.

 

As per the FAQs in the library, the interest you claim for at the court stage is both the overdraft interest and interest of 8% for each charge, from the date you were first charged. The following link takes you to the spreadsheets in the library. You should not have asked for the 8% interest before starting court action, although I believe (again, check the FAQs or ask somebody else) that you could ask for the overdraft interest in your prelim letter and LBA.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

Hope this helps, sorry it's not the complete answer!

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Thanks very much. I've already made a spreadsheet to calculate the interest, what I really needed to know is what you've told me: I couldn't make out if the o/d interest was in addition to the 8%.

think it's time for action now!

:D thanks so much!

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