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    • The case against the US-based ride-hailing giant is being brought on behalf of over 10,800 drivers.View the full article
    • 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.
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    • 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  
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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Cap1 & CCA return


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the above is the first terms and conditions that was sent to me when i joined with this credit card issuer . please note that they also imply that the terms and conditions are also a "copy of your agreement for you to keep . It includes a notice about your cancellation rights which you should read "

 

it appears to my goodself that right at the beginning when i had the pleasure of joining they sent me this instead of the executed agreement -

 

do you not agree so i honestly think the contract is inenforceable.

=====================================

 

this does seem rather important the terms and conditions also being formally stated as the agreement ( ADMITTING no executed agreement was send when one joined)

Tam Wing Chuen -v- Bank of Credit and Commerce Hong Kong Ltd [1996] 2 BCLC 69

 

1996

PC

Lord Mustill Commonwealth,

 

Lord Mustill discussed the need to construe a contract contra preferentem: "the basis of the contra proferentem principle is that the person who puts forward the wording of a proposed agreement may be assumed to have looked after his own interests, so that if words leave room for doubt about whether he is intended to have a particular benefit there is reason to suppose that he is not."

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These institutions are so rich and powerful. They truly do not accept that legislation applies to them as well. The staff must work of a flow chart;

 

If a do x

If b do y

If c do z

 

If not on flow chart ignore.

 

:D Time to update or create new flow charts to work from me thinks!!

 

Lots of deptartments do use flow charts to work from as you say - and this is why we still get these silly automated replies!!

 

The Human Resources people need to start thinking now to allow for us CAGers - reckon we need a flowchart of our own!!!:D

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:D Time to update or create new flow charts to work from me thinks!!

 

Lots of deptartments do use flow charts to work from as you say - and this is why we still get these silly automated replies!!

 

The Human Resources people need to start thinking now to allow for us CAGers - reckon we need a flowchart of our own!!!:D

 

How about:

 

Identify target!

Take aim!

 

FIRE!!

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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:D Time to update or create new flow charts to work from me thinks!!

 

Lots of deptartments do use flow charts to work from as you say - and this is why we still get these silly automated replies!!

 

The Human Resources people need to start thinking now to allow for us CAGers - reckon we need a flowchart of our own!!!:D

 

Yeah, but the danger of that is another AVR system to get through before talking to a peanut in a call centre...

 

'If you are a customer who has not heard of CAG, please press 1'

'If you are a CAGer, please press 2'.....;)

 

Stay safe

Firemagi

------------------------------------------------------------

Screw unto others as they screw unto you.

Screw unto others as they screw unto you.

 

Active Cases:

HSBC Current Account - £3068.00 - Prelim Sent 27/03/07 - LBA Sent 12/04/07

Halifax Credit Card - DPA SAR Sent 27/03/07

MBNA Credit Card - DPA and CCA SARs sent 27/03/07

 

Pending Cases:

HSBC Joint Account

Lloyds TSB Current Account

Lloyds TSB Credit Card

Creation Financial Store Card

GE Capital Store Card x 2

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snicker.gif

Please note: I give advice, in good faith, based on my reading and experience. Please satisfy yourself, that any advice given is accurate in content before acting upon it.

A to Z index

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html

 

...........................................................................

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Please note: I give advice, in good faith, based on my reading and experience. Please satisfy yourself, that any advice given is accurate in content before acting upon it.

A to Z index

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html

 

...........................................................................

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Read throught the

FAQ's and when your ready, start a thread in your banks forum to keep us all updated!

If the information I have provided is useful, please click the scales!

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Guest The Terminator
Hi

 

Wow!! What a fiasco!

 

Have TS actually confirmed that a prosecution has been commenced or are they just considering it at this stage?

 

Regards, Pam

 

The word incompetent comes to mind , so doe's the phrase "bunch of cowboys" or obviously the people that work in that supermarket come bank are a hamburger short of a happy meal.:lol:

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Who provides the card for Sainsbury's? I thought it was GE, then someone said it was RBS (ooooh the name of RBS Advanta still makes my blood boil and it has been 6 years!).

 

I was under the impression from someones earlier post (weeks ago) that sainsburys were one of the better ones with regards to holding agreements.....

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Fantasy

 

There are specialised data bureaux who hold working machines for pretty much anything stored on magnetic media. The banks and all other interested parties can employ their services, maybe not for one or two but as soon as a significant number of these come along, the bureaux will dust off the machine and run the reverse process.

 

We had tape machines out of the ark in storage to read tapes last used in the seventies and very early eighties, just in case they we're needed. It's alot cheaper to do this than re-jig all of your archives every 5 to 10 years.

 

errrr yes, I go back a little earlier m... processing papertape and punch cards for insurance policies produced in the 50s - readers used to eat a deck of cards (5000) in about 5 minutes unless of course they were really really old and even after hoovering the cards to get the dust off and air conditioning them for days.... it still averaged 20-25 minutes a deck and we had zillions to process....

point is old technology... slow processes... biodegradeable = > 12 days + 30 days (maybe 60 days? if ever) to respond to s78 multiply by avalanche of requests = mountain as high as moon to climb in :D:D:D

[sIGPIC][/sIGPIC]

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Sainsbury's Bank is a fifty/fifty between HBOS plc and Sainsbury's plc. Their call center often tell me I have a Halifax account!

 

THE ICO DATABASE SAYS ABOUT SAINSBURYS BANK

Purpose 13

 

Provision of Financial Services & Advice

Purpose Description:

The provision of services as an
intermediary
(NOW FC SAW SOMETHING INTERSTING ABOUT INTERMEDIARIES THE OTHER DAY- CAN'T REMEMBER WHAT IT WAS !!!)
in respect of any financial transactions including mortgage and insurance broking.

Data subjects are:

Staff including volunteers, agents, temporary and casual workers

Customers and clients

Suppliers

Relatives, guardians and associates of the data subject

Advisers, consultants and other professional experts

Data classes are:

Personal Details

Family, Lifestyle and Social Circumstances

Education and Training Details

Employment Details

Financial Details

Goods or Services Provided

Sources (S) and Disclosures (D)(1984 Act). Recipients (1998 Act):

Data subjects themselves

Relatives, guardians or other persons associated with the data subject

Current, past or prospective employers of the data subject

Education, training establishments and examining bodies

Business associates and other professional advisers

Employees and agents of the data controller

Suppliers, providers of goods or services

Financial organisations and advisers

Credit reference agencies

Traders in personal data

Trade, employer associations and professional bodies

Ombudsmen and regulatory authorities

Data processors

Transfers:

Worldwide
NAUGHTY NAUGHTY

:cool: sunbathing in juan les pins de temps en temps

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Regards, Pam

 

Also, in a couunty court the judge has to consider the balance of probability, not "proff beyond resonable doubt" .....

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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un1boy vs Experian - Default removal

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Tradign Standards may be so powerful, but y local TS guy said that he contacted the bank, who said they were in the right and so he has ruled that they are!!! (What tha fa?)

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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FC - Just looked up some of my targets on the ICO site.

 

HSBC, GE Capital and Halifax all state 'Worldwide' for their transfers.

 

The only difference was MBNA, they list 'Worldwide, India, Republic of Ireland, Spain and USA', with the exception of Purpose 3 which states 'Not outside of the European Economic Area', swiftly followed by India, RoI, Spain and USA'...

 

Go figure..

 

Stay safe

Firemagi

--------------------------------------------------------------

Screw unto others as they screw unto you.

Screw unto others as they screw unto you.

 

Active Cases:

HSBC Current Account - £3068.00 - Prelim Sent 27/03/07 - LBA Sent 12/04/07

Halifax Credit Card - DPA SAR Sent 27/03/07

MBNA Credit Card - DPA and CCA SARs sent 27/03/07

 

Pending Cases:

HSBC Joint Account

Lloyds TSB Current Account

Lloyds TSB Credit Card

Creation Financial Store Card

GE Capital Store Card x 2

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Got a reply from co-op today (finally)

 

It's an agreement with the following:

 

1.my sig

2.my date

3. their sig

4.their date

5.illegible "regulated by" statement

6.illegible other data processing terms

 

That's it.....no prescribed terms or anything, no terms and conditiond, no statement of account.

 

Now, I am very tempted to write back telling them this and offering a reduced settlement of the balance being cleared and something for my trouble......

 

However, I claimed my charges back from my smile account before xmas and they sent me a notice that they wanted me to terminate my account. I appealed this and they wrote back to saying that they ahve retracted the notice, but if I breach my terms again, they will close my account.

 

Now, I am scared that if I chase this they will make a "commercial decision" to close my acounts....and i really can't afford for that to happen. I don't know whether to just wait and chase it in a few months.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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One more thing, I was told that if they satisfy your request after the statutory time by producing the agreement then they can pursue the agreement, without a court order.

 

Am i right in thinking thought that they have to sennd the T&C's and statement of account as well, otherwise they can't enforce it?

 

So, if they send the agreement a week after the timeframe allowed, they still can't enforce it unless they provide everyhting else (0r, get a court order?)

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Got a reply from co-op today (finally)

 

It's an agreement with the following:

 

1.my sig

2.my date

3. their sig

4.their date

5.illegible "regulated by" statement

6.illegible other data processing terms

 

That's it.....no prescribed terms or anything, no terms and conditiond, no statement of account.

 

Now, I am very tempted to write back telling them this and offering a reduced settlement of the balance being cleared and something for my trouble......

 

However, I claimed my charges back from my smile account before xmas and they sent me a notice that they wanted me to terminate my account. I appealed this and they wrote back to saying that they ahve retracted the notice, but if I breach my terms again, they will close my account.

 

Now, I am scared that if I chase this they will make a "commercial decision" to close my acounts....and i really can't afford for that to happen. I don't know whether to just wait and chase it in a few months.

 

 

https://www.co-operative.co.uk/en/membership/

 

WELL ON THE LINK ABOVE WE CAN ALL BECOME A MEMBER OF THE COOP

DIDN'T THEY FOUND THE COOP ON CERTAIN PRINCIPLES !!!

 

WOULDN'T BE VERY GOOD PUBLICITY IF THEY WERE

EFFECTIVELY EXPELLING THE WORKING MAN

EXERCISING HIS NATURAL RIGHTS

 

BETTER HAVE A WORD WITH ARFUR SCARGILL !!!

 

----------------

Being a member

 

 

Our members are our owners

 

They are the sort of people who like to know that their hard-earned cash is being used honestly and that a percentage of it goes back into your community.

 

 

 

Anyone can become a member as long as they believe in what we stand for and shop with at least one of our businesses. All you have to do is invest £1, which we’ll collect from your first share of the profits.

:cool: sunbathing in juan les pins de temps en temps

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https://www.co-operative.co.uk/en/membership/

 

WELL ON THE LINK ABOVE WE CAN ALL BECOME A MEMBER OF THE COOP

DIDN'T THEY FOUND THE COOP ON CERTAIN PRINCIPLES !!!

 

WOULDN'T BE VERY GOOD PUBLICITY IF THEY WERE

EFFECTIVELY EXPELLING THE WORKING MAN

EXERCISING HIS NATURAL RIGHTS

 

BETTER HAVE A WORD WITH ARFUR SCARGILL !!!

 

----------------

Being a member

 

 

Our members are our owners

 

They are the sort of people who like to know that their hard-earned cash is being used honestly and that a percentage of it goes back into your community.

 

 

 

 

Anyone can become a member as long as they believe in what we stand for and shop with at least one of our businesses. All you have to do is invest £1, which we’ll collect from your first share of the profits.

 

I forgot about the ethical side of it (and I used to work for them! - they are FAR from ethical!)

 

Another of their values is:

Honesty – we are honest about what we do and the way we do it.

Self-responsibility – we take responsibility and answer for our actions.

 

I think I'll write to them, mentioning their values and say I am a member and see what they say - if they try to close my accounts I will get the medis invovled - I'll tell the watchdog reporter that contacted me and she can take it further!!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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I wrote to Halifax Visa on the 14th February 2007 requesting credit agreement. It was received (Recorded Delivery) 15th February 2007.

 

This morning (8th March 2007) I have received a default notice dated the 1st March 2007, envelope kept and franked 8MAR07 by post office.

 

Now by my count 15FEB07 to 2MAR07 is 12 working days and I haven't recieved my CCA original agreement. So they shouldn't have issued the default.

 

Anyone have a template I can use to write back and tell them they are in breach of whichever clause of the CCA.?

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Also, in a couunty court the judge has to consider the balance of probability, not "proff beyond resonable doubt" .....

 

Hi

 

Yes, but that's the test for all civil claims, be it at county court level or at COP or HOL. It's only in criminal cases that the verdict has to be 'beyond all reasonable doubt'.

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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