Jump to content


  • Tweets

  • Posts

    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (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. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
    • I lived there with her up until I gave notice. She took over the tenancy in her name. I had a letter from the council and a refund of the council tax for 1 month.    She took on the bills and tenancy and only paid the rent. No utility bills or council tax were paid once she took it over. She will continue to not pay bills in her new house which I'm now having to pay or will have to. I have looked online I believe the police and solicitors are going by the partner law to make me liable.   I have always paid my bills and ensured her half was paid then see how much free money is over.   She spends all her money on payday loans and rubbish then panics about the rent. I usually end up paying it or having to get her a loan.   Stupidly in my name but at the time it was because she was my partner. I even paid to move her and clean and decorate her old house so she got the deposit back. It cost me £3000 due to the mess she always leaves behind.
    • Paula Venomous refused to resign for 16 months and eventually did only because a doctor threatened to resign. Interesting snippets and insights in the article. Paula Vennells clung on to ‘plum’ NHS role after Horizon scandal ARCHIVE.PH archived 19 May 2024 21:49:07 UTC  
  • 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

itrends (Dave) vs Nationwide


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

Thread Locked

because no one has posted on it for the last 6320 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

Ah well, will see about account closures. Looks like they will both go as just got amystery deposit of £100 into the second account which I was NOT claiming on. lol

 

Ho hum, will wait for the rest in the other account :)

 

Dave

Link to post
Share on other sites

  • Replies 50
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Ok, it wasnt 100... but so far

 

yesterday .. correction of £90

today... cash deposit of £140

 

This is still some way off the £700 plus that is being claimed.

 

You think it will arrive later today? Tomorrow, or is it time to fight more?

Link to post
Share on other sites

Came home to find a letter from Nationwide.

 

"we have refunded £90 and credited £80 and dont think we should give you any more etc"

 

What step do I take now? Just let the court claim proceed with MCOL? DO I go and ask for judgement of some form? Send a letter?

 

Any advice much appreciated.

Link to post
Share on other sites

Just checked money claim online, says that nationwide have filed a defence and i will be told which court this is at shortly.

 

What do i do now? They have paid only a small part of what they owe and now filed a defence. Getting a little worried :(

Link to post
Share on other sites

Just wait... Nationwide will have now have 28 days to reply to the court. Send them a letter thanking them for the partial payment but let them know you will be pursuing them for the rest of the money. Point them in them in the direction of your particulars of claim as to how you have arrived at the money the owe you.

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

Link to post
Share on other sites

Got a letter today from northampton county court. Nationwide say they have paid £170 and that is all they should pay.

 

This is not the case as they owe well over £600 still.

 

Anyone happen to have some advice or a link to advice on how to use the form? What parts do I send back and how do I reply to say that they are essentially fibbing?

 

I find the form to be quite confusing and it says it has a time period so any help asap is far more than welcomed :)

 

Dave

Link to post
Share on other sites

I'm not at all qualified to help you at this stage - maybe PM a mod - or start a new thread in the general section with a link to this thread you maybe able to gain more advice

In the meantime however - take a look at

The defendant disputes all or part of my claim

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

Link to post
Share on other sites

Is this a tactic that they Nationwide have started to employ? I believe they are substantially short on my claim, requested info on where they believe I have had previous refunds and they have put a penny into my account by correction! I think it is nearer £1000 I'm due! Just wonder if this is something they are doing consciously as another hoop for us to jump through.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

Link to post
Share on other sites

I received a copy of their defence yesterday with an allocation questionnaire I'll post all the details in my thread when I get a minute

They have paid all the charges, plus the court fee plus 8% S.69 interest - they dispute paying my costs of £10 SAR fee plus £4 in postage and they dispute paying any contractual interest - right NW - let battle commence!!!

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

Link to post
Share on other sites

Well I posted back the form the other week saying that I will proceed with the claim as they are being stupid! :)

 

I assume I will get an allocation questionaire some time this week. sigh. And there I was hoping I would have the cash for xmas. They have already said they are going to close my accounts in about 2 weeks. Time to move bank.

Link to post
Share on other sites

Dont have the paper work with me at the moment. Essentially they paid back the MCOL fees and 2 direct debit fees and said that was all they felt they owed. What they actually owe is around £700 so i sent the form back and a copy to Charles saying that I will proceed with the claim for the full amount.

Link to post
Share on other sites

If they are defending the claim they should have filed a defence - ring the court and ask them for a copy of this. Alternatively, you could ring NW anhd ask them to send you a copy in the post. You are entitled to see this. If your defence is the same as mine, relax its full of holes and actually contradict itself.

Get hold of a copy of the defence and post it up - or pm me with it

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

Link to post
Share on other sites

Ok, been several days now. I have the form filled in but do not have any clue what to put in the "other information" box.

 

I have search these forums daily and can only find something that isnt quite related.

 

I have a few days left to get it back to them.

 

Is anyone able to help? I really don't want to fall down at the last hurdle over such a stupid thing :(

 

Dave

Link to post
Share on other sites

  • 2 weeks later...

Ok. Allocation Questionnaire was sent back to the court a week or two ago. Not heard anything yet.

 

Emptied my accounts weeks ago.

 

Got a letter yesterday from Nationwide saying they have no closed the account and attached a cheque for 11p! I guess this must be outstanding interest?

 

Anywho, they have only closed one of my flex accounts, not the other one I am claiming on. Also, they have left my savings account open.

 

I am a little worried that although i have been claiming for both accounts, they have been ignoring one and will then play dumb in the coming weeks?

 

I have sent repeated copies of the charges sheet and letters to court and nationwide that clearly state both account numbers in bold together so there is no missing it. Thus far I have had no offer of settlement, no part payments on this remaining account etc though i got my lesser charges back from the second account which is now closed.

 

Any advice from anyone in the know or with similar experience would be very much appreciated.

 

Dave

Link to post
Share on other sites

  • 1 month later...

Just had my court order through the post...

 

Estimated the hearing will take 10 mins

Parties encourages to settle by negotiation etc etc

 

Following Directions for Claim:

Disclousure of documents as follows..

 

Both parties shall give to each other standard disclousure by list

Any request for a copy shall be complied with

 

The original documents must be brought to the hearing

 

The judge may refuse documents etc

 

The documents to be sent to the parties and the court must include the statements of all witnesses

 

Witness statements must start with the name of the case and claim number, state the full name and address of witness, set out the witnesses evidence clearly in numbered paragraphs, end with the paragraph "I believe that the facts stated in this witness statement are true" and must be signed by the witness.

 

Because this order has been made by the court without considering representations from the parties, the parties have the right to apply to have the order set aside, caried, or stayed. A party wishing to make an application must send or deliver the application to the court (together with any fees) to arrive within seven days of service of this order.

 

----

 

The rest is pages of info on the small claims track.

 

Hope someone can help me with what to do next :)

 

Dave

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...