Jump to content


  • Tweets

  • Posts

    • So I just found a couple abandoned traffic cones locally by some bins.   A bit squished but free!  So have placed them on the land.  Will wait to see if the cones get moved and signs ignored again this week before I consider rocks/ boulders.
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later the your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. So if you subtract the time you took to drive from the entrance. look for a parking place and park in it perhaps having to manoeuvre a couple of times to fit within the lines and then unload the children followed by reloading the children getting seat belts on etc before driving to the exit stopping for cars, pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
    • New version after LFI's superb analysis of the contract. Sorry, but you need to redo the numbering of the paras and of the exhibits in the right order after all the damage I've caused! Defendant's WS - version 4.pdf
    • Hi  no nothing yet. Hope it stays that way 😬
  • Recommended Topics

  • Our picks

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

loan payments to cover bank charges


cheekismo
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6341 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Please help

 

Due to costly bank charges my finances were in tatters, I got called into my local branch for an account review. My spirits were down and my head all over the place due to my money problems, the banks advisor persuaded me to get a loan to sort myself out.

 

Now I've found out I can claim the excessive charges back I'm delighted but still annoyed that I've been paying loan repayments to the bank to cover the cost of there original charges!

 

Is there any way to claim part of the loan back as if the charges were not so high either the loan wouldn't exist or would have been smaller>

Link to post
Share on other sites

Someone on the Lloyds forum claimed exactly that - the charges plus the loan. It was a while back but I will see if I can find the thread for you.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

Link to post
Share on other sites

  • 1 month later...

Keep this updated as the same happened to me :x and i am plan to claim back the interest and the payment protection they talked me in to getting, obviously without their charges we wouldnt have needed the loan in the first place! i would be interested to hear what happens. good luck!:D

Link to post
Share on other sites

If the loan is still outstanding, you should be able to claim for the entire amount required to settle the loan. While this includes part of the money you legitimately owe, you have a burden as a result of the charges that you would not otherwise have taken on. Beware that you might need to reject early offers of settlement if you want to try this though, as you will have to take it right to the wire to force that money out of them.

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

Link to post
Share on other sites

I have rejected 2 settlement figures from Natwest and I have now completed my Money claim Online form and submitted.

 

I am still claiming for the interest on the loan as indeed without the Banks charges I wouldn't have needed the loan.

Link to post
Share on other sites

I have 2 calims in where I am claiming back the interest that relates to the charges - cobbetts are arguing over the loan interest, must be due contact from them soon as I last refused 2 weeks ago.

 

Spoke to Cobbetts today and they are sending cheque for amount less the loan interest and applying for summary judgement for that part of the claim to be struck out. Guess it'll be off to court then!

 

Has anybody been paid this interest back - I can't find it anywhere.

Consumer Health Forums - where you can discuss any health or relationship matters.

Link to post
Share on other sites

  • 1 month later...

Have received a letter from Cobbetts today, inside was a defence letter and also the famous CPR part 18. I will be sending them a letter back stating that these are intimidating tatics and also stating that I've sent the court a copy of the letter and CPR part 18 request.

 

I look forward to the next couple of days, I should receive my AQ from the courts.

 

I also find it poor that they are asking for a schedule of charges, considering I must have sent it at least 3 times to Natwest. I feel like being cheeky and telling them to contact Stuart Higley for them but I wont.

Link to post
Share on other sites

Yes I claimed for the loan interest, I'm that annoyed that I have been paying a loan for the last 4 years, that in reality I wouldn't have needed to take out if the excessive bank charges were never placed on my account.

 

In some ways I would love the loan payments paid back to me as well plus the payment protection that I am sure was mis-sold to me! This maybe a bit tricky though and I cant see too many threads with people claiming money back from loans taken out to clear debt due to the banks charges.

Link to post
Share on other sites

  • 4 weeks later...

Have received a copy of the allocation questionnaire that cobbetts have submitted to the courts. it reads.

 

Case Management directions cannot be proposed until the claimant serves a reply to the request for further information which was due on 22 December 2006. In light of this, the defendant may amend Defence or apply to strike out.

 

Had already sent cobbetts a letter stating I wont be filling the cpr part 18 request. Natwest already have 3 copies of my spreadsheet with list of charges.

Link to post
Share on other sites

Usual scenario, don't panic your cheque wont be far away!!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

Link to post
Share on other sites

Yes I claimed for the loan interest, I'm that annoyed that I have been paying a loan for the last 4 years, that in reality I wouldn't have needed to take out if the excessive bank charges were never placed on my account.

 

In some ways I would love the loan payments paid back to me as well plus the payment protection that I am sure was mis-sold to me! This maybe a bit tricky though and I cant see too many threads with people claiming money back from loans taken out to clear debt due to the banks charges.

 

 

this is what i want to do... i was sold pp when i wasv a student with no real income..... and i want the intrest on my payments too, like you said if it wasnt for the charges...

Link to post
Share on other sites

  • 2 weeks later...

I'm getting a bit confused which maybe is no surprise considering cobblers are involved.

 

The court has issued a hearing date of the 5th March, but have asked that I do reply to the defendants request for further information. Looking back at what Cobblers have sent to me in the past, they have asked for a list of charges and the CPR part 18.

 

Last week I sent them another copy of the charges and explained I had sent Natwest a copy of these at least 3 times in the past, I also sent the court a copy.

 

I am now worried as do the court want me to answer the CPR Part 18, if so is it best that I do this but also send Cobblers a Part 18 request of my own asking for further information regards the charges?

Link to post
Share on other sites

Hi

 

I have just stumbled across this and discovered the same has happened to me - being forced to take a consolidation loan to cover £100's charges in one month? Has ther een an update as to if you can claim the loan & interest? Cheers

Link to post
Share on other sites

I'm getting a bit confused which maybe is no surprise considering cobblers are involved.

 

The court has issued a hearing date of the 5th March, but have asked that I do reply to the defendants request for further information. Looking back at what Cobblers have sent to me in the past, they have asked for a list of charges and the CPR part 18.

 

Last week I sent them another copy of the charges and explained I had sent NatWest a copy of these at least 3 times in the past, I also sent the court a copy.

 

I am now worried as do the court want me to answer the CPR Part 18, if so is it best that I do this but also send Cobblers a Part 18 request of my own asking for further information regards the charges?

 

Have a read here there is info on how to reply - is this the same court by any chance?

Consumer Health Forums - where you can discuss any health or relationship matters.

Link to post
Share on other sites

Hi

 

I have just stumbled across this and discovered the same has happened to me - being forced to take a consolidation loan to cover £100's charges in one month? Has ther een an update as to if you can claim the loan & interest? Cheers

 

You could only claim the interest that related to the charges that were rolled over into a loan, and then they fight it every step of the way have a read here of where I ma up to may help.

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/11431-nat-west-3-claims.html

Consumer Health Forums - where you can discuss any health or relationship matters.

Link to post
Share on other sites

My case is being held at Durham Court, I sent the court a letter last week asking if I was expected to answer the CPR Part 18. Have not had a response yet. Maybe I need to ring the court.

 

What exactly do I need to send to the court and cobbetts regards in preparation for the case on the 5th March? IE: Disclosure of documents.

 

When filing my POC on Money Claim was I meant to put my costs in or is that decided by the courts?

Link to post
Share on other sites

The letter from the court says the following

 

1, The hearing of the claim will take place on the 5th March and should take no longer than 1 hour.

 

2, The claimant do file and serve a reply to the defendant request for information by 25th January 2007.

 

3, Disclosure of any documents by 8th February 2006.

 

The parties must file at the court and serve on the other party not later than 14 days before the hearing the following:

a, copies of all documents upon which they wish to rely.

b, statements of all witnesses, including the parties, upon whose evidence they wish to rely.

Link to post
Share on other sites

HELP!!

 

Spoke to a woman at the court today as I was trying to find out if I needed to send the CPR Part 18, she told me she couldn't help as I was speaking to a court and not a legal team!!

 

I told her all I was after was an explanation to the correspondance the court had sent me, and what further information they wanted me to send to cobblers!

 

Do I give in to Cobblers request and send the CPR Part 18 back to them, I see there is a thread with the majority of the answers. does anyone have the answers to Cobblers CPR Part 18 4.1 & 4.3,

4.1 please specify the clause(s) pursuant to which the charges were applied:

4.3 please identify in each case the particular breach of contract (by ref to appropriate term(s) of the contract that the charge related to.

 

Also do I send Cobblers my own CPR Part 18 for them to answer?

Deadline given by the court fast approaching - 25th Jan!!!

 

Any help much appreciated.

 

Thanks in advance.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...