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    • The Private Parking Code of Parking has been postponed as the poor dears are frightened that thew will all go out of business once it becomes Law. We all wish but nothing could be further from the truth so doubtless most of them will have to change their ways if they don't want to be removed as approved parking companies. Thank you for still retaining and producing the original PCN which, no surprise, fails to comply with the Protection of Freedoms Act 2012 Schedule 4. [It even states the vehicle "breeched" the terms  when it was the driver that allegedly breached the terms}. It fails to specify the Parking Period and whilst it does show the arrival and departure ANPR times on the photographs [that I cannot read] they do not include how long you actually parked nor was it specified on the Notice  [photos don't count]. So that means that you spent even less time parked though it would help had you not blocked out the dates and times, so good if you could please include them on your next  post. Pofa  asks the driver to pay the charge S( [2][b] which your PCN doesn't though they do ask the keeper to pay.and they have missed out theses words in parentheses S9[2][f] ii)  (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; All of those errors mean that the cannot transfer the charge from the driver to the keeper. Only the driver is now responsible . What a rubbish Claim Form -doesn't even give the date of the event which it should.  
    • it doesn't matter what you are being charged or if you missed the discount period. you ain't paying anyway..... if this ever gets before a judge. then the ins and out of POFA2012 or any IPC/BPA guidelines might come into play. until then i go get on with your life. you are spending far too much time on a speculative invoice scan scheme  its almost as if you believe these are fines and enforceable in a criminal court and you could have bailiffs at your door any minute.    
    • Debt Respite Scheme (Breathing Space) guidance - GOV.UK (www.gov.uk) but dont get scammed into a DMP. simply tell whomever you call to simply apply for the BS for you.  
    • totally immaterial. time to now start reading up. Programmable Search Engine (google.com) Clickme^^^ do not miss your defence filing date no matter what dx  
    • Programmable Search Engine CSE.GOOGLE.COM clickme^^
  • 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

muggins73 v NatWest ***WON***


muggins73
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Sounds good doesn't it, but the grass is always greener an' all that.

What my partner and I would do to own our own house...maybe when I get round to more claims...:D

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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It can be a double edged sword muggins. We have got our own house and mortgage, and as we bought a long time ago for the first time, a lot of equity. You also get all the maintenance, and if you hit hard times you still have to pay the mortgage and don't get help with it. I applied for a Council Tax rebate a few years back, and had we been renting, the rent would have been taken into account and we might have got the rent paid too. The mortgage was not even considered and so we had far too much income (apparently) to be able to get anything.

 

Don't get me wrong, I'm glad we have it, but as you say, the grass is always greener. lol

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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hi, just starting the long road that you have travelled down. i have just been charged £276 in 6 days by nat west by starting off overdrawn by £5.70ish. this is not the first time this has happened. im scared by the whole procedure and feel comforted by reading your postings. im going to CAB on fri as well. wish me luck

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Hi nkerrit,

I wish you all the luck in the world.

You are taking two very positive steps to sorting out your finances.

Yes, the procedure as a whole, its exceptionally daunting at first, but before you know it you'll be advising others who are starting out on their journey just as I am now taking the time to advise you.

Make sure you read the FAQs and step-by-step instructions so you are absolutely crystal clear on what you are getting yourself in to.

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

Start up your own thread (if you haven't already done so) ie. nkerrit v Natwest, so that you can be found easily if you run in to any problems (however, silly they may seem) This is a self-help forum, but there are 100s of fellow comrades who have a vast amount of experience and are itching to help you:)

The CAB will help to consolidate your finances into one managable amount per month. It is a very good move especially if your court claim goes belly-up, which the likelihood of doing so is 1,000,000,000:1;)

Follow the procedures, stick to your timetable and do not doubt your abilities. Above all else, remember it is your money you are asking to be returned. Keep this in mind and you'll get through.

Good luck and keep us posted.

  • Haha 1

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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im ashamed to say lass that there is as to date no foot wedged firmly up my prosterior, to say im a little lazy would be both insulting but ultimately true lol :razz:

as for £800+ a month rent?!!!! :-o i nearly fainted when i saw that!!!

up here its £525 for a large 3bed detatched!!!

shocking!:-o :-o :-o

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Looks like I'll be moving the family in with you then:)

 

As for the foot issue, mine is on hand, just let me know!!!!!!

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Ah, Muggs, I don't even want to tell you how much mortgage we pay (bloody Chelsea). You might just tell me to move and you'd be right.:(

Nobody can live in London and not have a mortage. Or can anyone prove me wrong?

But we have two flats and have been remortgaging for years and it's worked okay as houseprices have been going up and up. Anyway, neither husband nor I have been working for a year and a half so we have to sell one of our flats. Good bye pension.

Can I pick your brain again? About your £200 something, did you talk to them on the phone or send them another spreadie?:idea:

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Below is a simular letter to the one I sent NatWest, and they have until tommorrow to respond. Failure to do so means I jump right back on the court proceedingshorse and begin the whole process again:rolleyes:

 

I have today received a cheque from RBS Group Litigation Department in the sum of £xxxx in settlement of my claim for recovery of unlawful bank charges.

 

This settlement does not address the issue of charges added to my account since the commencement of my claim, a total of £xxxxx

 

Clearly it would be senseless to resort to further litigation to recover this amount, although I am prepared to do so if necessary. In order to avoid such action, I require reimbursement of the aforementioned sum within 7 days of the date of this letter. If the full amount is not credited to my account within that time I will issue further proceedings against you.

I look forward to receiving your response before xxxxxxxx.

 

Haven't heard of any one else actually going after Natwest with regards to additional charges, so I have no idea what to expect. however, it is not about the money, it is principle this time 9and the fact that they've managed to once again seriously P****d me off!!!!

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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This will make you guys laugh, it did me after I'd got over the crying stage.

 

Natwests' cheque finally cleared yesterday. So I transferred a total of £3,500 between the three accounts finally making us debt free:D

 

Went to Abbey National armed with the remaining amount of £500.00 which I intended to put £400 into the joint account and leave £100 to go to Tescos. Found out that Abbey have clocked up a wopping £220 worth of charges in 3 days:eek:, so you can imagine how I felt, cant you:mad:

I arranged to see one of their customer advisors whom on seeing, first hand, how desperately annoyed I was, got the go ahead from their manager to reduce these charges by half. That was after telling me that I was only 4 days out of the comfort zone. By this, I mean that as I only opened the account with them back in October (as I was about to commence court proceedings against Natwest), they do not charge you for the first 6 months. Well, I could have killed, good job they decided to jump ship and go and see the manager, that's all I can say.

The moral of this story is...they are as bad as eachother and it's far too early for me to pick on them....yet!!!!

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Oh, dear - they don't know what a hornet's nest they've stirred up, do they??

 

W

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Oh, dear - they don't know what a hornet's nest they've stirred up, do they??

 

W

 

Obviously not:D

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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That is outrageous!!!!! grrr let me at 'em!!!!!! :mad: :mad: :mad:

 

Banks just get worse!!!! man im angry lol

 

Muggs me darling sort them out!

 

and me for that matter, still aint got round to starting my claim....:oops:

 

My dear shiney,

 

Take this as a swift kick in the gonads....get on with it man!!!!!!!

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Thanks cerstin for that vote of confidence;)

Well Natwest had until this morning to reply to my request to refund the additional charges they've imposed on my account since my claim started (and was settled) so I have sent them a final lifeline in the form of an LBA (recorded delivery no less!!!). Mr Higley now has 14 days to respond and it's back to court we go......oh, happy days:p

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Sometimes, I find extreme is the only way!!!!!!

 

Um, clever as well as golden, hey:p

Yep, that'd be right. I'm getting on abit now, even found a white strand on me head:eek: I have scared you off now, you being a youngster an' all?!!!!!

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Scare me off?? pah!!! your only 34 for crying out loud!!!

 

Besides theres an old saying....your only as young as the bloke you feel ;)

 

My gal likes that saying seein as shes 5years older than myself....:D

 

Older women rock. simple.

 

Don't flatter an ageing lady, you'll make me blush:lol:

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Again, i am completely dumbfounded by Natwest' sheer incompetence. This should help to put several of you current claimants worried about taking these dimwits to court:)

 

My lady at the CAB has sent a copy of a letter she recently received from the Customer Care Team, Birmingham Collections Centre in response to her letter dated 23-Jan requesting that the interest and unauthorised borrowing charges be stopped whilst I try to pay off the outstanding debt.

 

'Charges and interest will continue to accrue in accordance with our published tariff until the accounts are in the hands of our Credit Management Services dept, when charges will cease. At present, we are unable to continue with the necessary process to transfer the accounts the CMS because of a pending court cazse regarding bank charges.

 

When the mater has been resolved, we will continue our processess appropriately....'

 

I goes to show that they simply do not talk to eachother or indeed look at a screen within the 'universal' system they all use, now do they:rolleyes:

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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HI, Muggins, you stripling!

 

I was leading student demos the year you were born - so I may very well be THE person your parents sounded off about! All that fresh air and exercise - an excellent investment in future good health, IMHO.

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Ah my dear Westy.

You'll never be old in my books. More.....'matured' like your favourite cheese is...full flavoured and down right expensive!!!!:D

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Ah my dear Westy.

You'll never be old in my books. More.....'matured' like your favourite cheese is...full flavoured and down right expensive!!!!:D

 

Why is it people compare me with cheese? Always cheese?

 

Why not wine?

 

Even fuller flavoured, much more expensive and won't smell of old socks unless it's clearly gone off!!!

 

Adios

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Share on other sites

Why is it people compare me with cheese? Always cheese?

 

Why not wine?

 

Even fuller flavoured, much more expensive and won't smell of old socks unless it's clearly gone off!!!

 

Adios

 

All in good time, my friend, all in good time:D

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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