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    • next time dont upload 19 single page pdfs use the sites listed on upload to merge them into one multipage pdf.. we aint got all day to download load single page files 2024-01-15 DBCLegal SAR.pdf
    • If you have not kept the original PCN you can always send an SAR to Excel and they have to send you all the info they have on you within a month. failure to do so can lead to you being able to sue them for their failure.......................................nice irony.
    • Thank you and well done  for posting up all those notices it must have have taken you ages.. The entrance sign is very helpful since the headline states                    FREE PARKING FOR CUSTOMERS ONLY in capitals with not time limit mentioned. Underneath and not in capitals they then give the actual times of parking which would not be possible to read when driving into the car park unless you actually stopped and read them. Very unlikely especially arriving at 5.30 pm with possibly other cars behind. On top of that the Notice goes on to say that the terms and conditions are inside the car park so the entrance sign cannot offer a contract it is merely an offer to treat. Inside the car park the signs are mostly too high up and the font size too small to be able to read much of their signs. DCBL have not shown a single sign that can be read on their SAR. Although as they show photographs which were taken the year after your alleged breach we do not know what the signs were when you were there. For instance the new signs showed the charge was then £100 whereas your PCN was for £85. Who knows, when you were there perhaps the time was for 3 hours. They were asked to produce  planning permission which would have been necessary for the ANPR cameras alone and didn't do so. Nor did they provide a copy of the contract-DCBL  "deeming them disproportionate or not relevant to the substantive issues in the dispute" How arrogant and untruthful is that? The contract and planning permission could be vital to having the claim thrown out. I can find no trace of planning permission for the signs nor the cameras on Tonbridge Council planning portal. and the contract of course is highly relevant since some contracts advise the parking rouges that they cannot take motorists to Court. I understand that Europarks are now running that car park which means that nexus didn't  last long before being thrown out.....................................
    • Hi,   I am not sure if I posted this already here but I don't think I did. I attach a judgement that raises very interesting points IMO. Essentially EVRi did their usual non attendance that we normally see, however the judge (for the first time I've seen in these threads) dismissed the notice and awarded me judgement by default because their notice misses the "confirmation of compliance" paragraph. in and out in 3 minutes (aside from the chat at the end with the judge about his problems with evri) Redacted - evri CPR loss.pdf
    • Just to update this. I did apply to strikeout and they did not attend the hearing. I won by defualt and the hearing lasted 5 minutes (court only allocated 15). The judge simply explained that the only matter he was really considering is if the Defendant could have any oral evidence to defend the claim. However he said he had decided that based on their defence, and their misunderstanding of law, and their non attendence he did not think they had any reasonsable chance so he awarded me SJ + Costs on the claim form + the strikeout fee. Luckily when I sent the defendant the order I woke up the next day to a wire trasnfer for the full sum of the judgement
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BHF & BoS Pay up


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Couple of stories;

All this PPI buzz was kind of going over my head as I didn't think it 'applied' to me; yes like some, I had credit and I had credit problems, but had never seen PPI as being on my radar.

 

So, out of the blue last October, I got a letter from BoS, telling me that they had been applying PPI to a credit card account I had through Sainsbury's and as they couldn't find a signed application for it on my account, they had decided that they were going to refund me.

A month later, I got a cheque for £890.00.

 

I then started looking at other accounts I hold and came across an account with Black Horse Finance and their subsidiary Cardif Pinnacle.

Looked on this fine site, found the letter template and sent it off - suitably modified - to BHF. a week later I received a questionnaire which I completed and sent back and today received a letter and an offer in full and final for just over £1100.

 

Not sure if I'm going to accept this - no goodwill or 'consequential' payment - and they took £60.00 in tax from the interest which was something the BoS settlement didn't do.

 

Anyway, thanks for the good advice, letters and general pleasant experience which abounds on the CAG site; I shall be donating from my ill-gotten gains in due course.

 

Many thanks

Were it not for injustice, Man would not know justice.

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they can only take tax from the 8% portion, not the rest

 

have you done an soc to check they are correct/

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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they can only take tax from the 8% portion, not the rest

 

have you done an soc to check they are correct/

 

dx

 

I did, the figures are slightly different - in fact, mine are lower - but the difference was only £20.

 

And yes, they only took the 8% from the interest.

A question, as the BoS settlement didn't take the 8%, do I have to tell the taxman and ante up the tax?

Were it not for injustice, Man would not know justice.

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what do you mean they didn't take the 8%

we need to do this on your thread

not discuss this here

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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what do you mean they didn't take the 8%

we need to do this on your thread

not discuss this here

 

dx

Umm, didn't have a thread, just hijacked this one....so need clarification

Were it not for injustice, Man would not know justice.

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Carried on from 'Successes' at the behest of DX.

Hopefully the mods will cart the rest of my posts over here to save me re-writing them!!

 

Anyway, an update is that I have written to BHF telling them that I like the offer, but am disappointed that they haven't ante'd up any compo.

Letter only went today, so I'll post outcome when it comes.

 

Because the BoS settlement kinda came out of the blue, I didn't realise that compo might be a part of it so didn't ask for it.

Might I go back to them retrospectively and ask for compo?

I've re-read the letter BoS sent and there is no mention of tax being taken, so does that leave it to me to settle with the Inland Revenue?

Were it not for injustice, Man would not know justice.

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Hi

 

So with the BHF offer....does it not conform to fos guidelines? What does your spreadsheet come out at?

 

With regard to both of them, what compensation are you looking for? The bank won't offer anything over and above a regulatory based award.

 

All the interest you receive (the 8% bit) must be declared to the tax authorities

 

ims

 

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Hi

 

So with the BHF offer....does it not conform to fos guidelines? What does your spreadsheet come out at?

 

With regard to both of them, what compensation are you looking for? The bank won't offer anything over and above a regulatory based award.

 

All the interest you receive (the 8% bit) must be declared to the tax authorities

 

ims

 

As far as compensation is concerned, I'll take anything that is offered; goodwill would be enough.

 

FoS guidelines? Not something I'm overly familiar with, but (oh God) I'm assuming BHF have adhered to them.

There's is 1168, mine are 1184 but that could be a date related thing and for the sake of the odd £20, I'm not overly bothered and mine didn't take into account the tax deducted which was 60 quid (this is BHF).

BoS didn't deduct any tax that they told me about.

 

Ian

Were it not for injustice, Man would not know justice.

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  • 3 weeks later...

Just to update this;

BHF offered all the PPI back plus interest but no compensation.

I wrote back to them saying that I wasn't happy that they hadn't offered any compensation, but they wrote back saying 'tough', basically.

So i'm going to try again to them but ante up a letter of complaint to the FOS/FLA. Funnily enough, in their settlement offer letter, they tell me that this complaint can't be dealt with by the FOS as it was issued between 01/12/01 & 31/03/03 and from 14/01/05 onward and that I have to go to the FLA.

However, in their rejection of compensation letter, they tell me I have to go to the FOS if I'm not satisfied....

Were it not for injustice, Man would not know justice.

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