Jump to content

  • Tweets

  • Posts

    • True, but all the threads we have for Wise concern hospital car park parking (except one) so it would suggest a hospital car park.
    • Don't worry, a week and a half is fine, especially as you've already drafted a WS. However, we need to see everything as dx says in the post above.
    • This preliminary hearing has been allocated 20 minutes so it should be fairly simple. However, judges are always on the look-out to get cases settled and sometimes these things can mushroom unexpectedly, so I would take along all the paperwork in order and prepare too much rather than too little. For example, we have a recent case where someone went to a preliminary hearing but the judge was appalled by the parking company's case and put huge pressure on their solicitor to discontinue - which he did. I have personal experience of trotting along to a preliminary hearing, only for the judge to go ballistic at the other side's solicitor who promptly dropped the whole case against me. I suggest your Mum takes these notes along and refers to them when necessary.   1.  I sent Parking Eye a Subject Access Request on 03/07/2023.  After one calendar month they had not replied. 2.  Their failure caused me a great deal of distress.  I was desperately trying to prepare for a court case and I felt they were hiding information from me. 3.  However, I did not rush to court, I sent a Letter of Claim on 03/08/2023 giving them an extension.  Again they did not reply.  So I started this court case. 4.  Parking Eye insist I have proof of postage for everything I sent - and I do.  5.  Parking Eye eventually satisfied my Subject Access request at the end of August 2023.  I believe they put a false date on their letter to pretend to have satisfied the one-calendar month deadline.  I believe they will have no proof of postage. 6.  In April Parking Eye sent me a letter to try to settle the matter, which offered me nothing.  7.  Later I sent them a letter offering to settle and asking them to offer a serious amount, not nothing, but they did not reply. 8.  I would be willing to settle out of court, but not on the basis that they offer me nothing.  
    • That was the date the email was received from them
    • Morning guys, I would appear I have more people chasing me than first listed. Apologies for this but I had a Very account for £2292.20 that was sold onto Lowell and Overdales, who sent me a PAPLOC request earlier in the year which I replied with all the usual, sent off CCA request etc. They responded on 07/03/34 with the attached. I guess i forgot to list this here nearer the time, They have sent me another PAPLOC request.  Could you please give me your thoughts on what they replied with previously and what I should do next? img049new.pdf
  • 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
      • 162 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

oh's lloyds credit card Credit card - Claim Form

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4490 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


Start your own new thread

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



Recommended Posts

Good evening.


I hope I'm posting this in the correct place so here goes -



My wife had a Lloyds credit card and got behind on the payments after I had to close my business etc etc.


There were various letters from SCM and she didn't reply - I thought they'd end up sending the debt out to Westcot. Anyway last week we had a CCJ claim in the post from Northampton. It gives the usual choices and forms to fill in re. the claim.


The total Lloyds are asking for is about £4500.


Back in November 2008 she phoned LTSB and asked them to stop taking c.£35-40pcm for the PPI cover. We requested this on a couple of further occasions - ringing the overseas call cente but nothing was ever done by them.


The PPI was taken up until mid 2011 until the account was defaulted.


The long and the short is that we agree there is a liability to LTSB - but we want them to credit the PPI (+interest) from Nov 2008 up until the default. I also want to look into whether or not the PPI was correctly sold in the first place. I have the telephone number of the LTSB PPI complaint dept - I expect they just act slowly and then reply in the negative suggesting the complaint is then takien on to the Finanacial Ombudsman (?).


What I want to know concerns the court papers - should I either 1. Admit to part of the claim, or 2. Make a counter claim to set against the liability?


Obviously admiting to part of the claim requires some information and a response from LTSB to get the specific counter amount the form requires.


If I make a counter claim then does this hold up the court proceedings until LTSB and the Financial Ombudsman have had their say?


Sorry for the long winded question. Any suggestions are most welcome. I have to get the ball rolling by responding by Wednesday - shall do it online.


Many thanks



Link to post
Share on other sites

Hi tw


Guessing from your previous post you know when to ack claim by.


The one question that springs to mind is, do you have all account data to enable calculating PPI + interest for the term?


If you can mitigate cost exposure to a minimal sum it may be prudent to consider offering to settle by t/o on your terms for settling any balance.



Link to post
Share on other sites

Hi tw


Acknowledge claim....... aos, acknowledgment of service, ack claim..... all the same, just means you need to acknowledge the claim if you have a defence or partial defence [online I guess as its Northampton], did you receive a login with the claim pack?


date of claim + 5 days deemed service + 14 days to acknowledge, gives you another 14 days to enter a defence - 33 days total.


Can you post the particulars of claim verbatim [less any identifiers]



Link to post
Share on other sites

Crikey, thats more detailed than they usually manage


I'd get a part 31 and 18 pt-legal issues-compilation.pdf served on them asap, along with a SAR to Lloyds........ you could defend as the claim stands but depending on how you want to play it a partial defence on the PPI and accrued interest may sit better with the court. If its a sizeable value it may sit better with you too.


Try to get them to agree an extension [part 15] so it gives you time to push for a response to the SAR http://www.consumeractiongroup.co.uk/forum/content.php?552-Data-Protection



Link to post
Share on other sites

what about PENALTY charges too?



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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?

  • Create New...