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    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
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      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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Prospero v RBoS (Bank Accounts)


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After sending the initial letter on 19th September I have received the usual refusal to refund letter from Tommy McLean. Am now sending LBA based on the standard material with this added at the top:

 

"I write in response to your standard letter refusing my request for a refund of bank charges. Given the serious nature of the matter I had hoped you would be able to address my situation personally, but I understand that currently you must be inundated with claims of a similar nature. Surely then the best policy would be to settle the matter promptly, but if you are not prepared to do this I shall be happy to go through the steps of the ritual dance with you.

 

Contrary to your assertion, I have every confidence that you will be refunding all the charges I refer to in my previous letter. You may be interested to know that you have become quite a star in the Consumer Action Group forum on the Internet, where it appears that you and your colleagues have repeatedly settled hundreds of claims in full rather than allow them to reach any court where a precedent might be set. If you are so sure of your position then with all the power of your lawyers we could have reasonably expected to see a test case by now, but for some reason this has not happened. Instead you prefer to engage in delaying tactics while refusing to let the matter be settled once and for all. I can only assume that this is because you have as much contempt for the UK courts and the law governing your business as you do for your customers, who you clearly hope will give up before you are forced to repay them the charges illegally deducted from their accounts. I sincerely hope that when a test case does finally get through the court will take your attitude into account in determining how best your customers should be compensated for their losses.

 

I would like to assure you that I shall not be giving up on my claim against the bank and would be delighted to have the opportunity of facing your lawyers in court, where we would surely have a considerable audience. However, I am duty bound to try and resolve this matter before it reaches court, and I wish to give you every opportunity to do this. To that end I am prepared to give you a further 14 days from the date of this letter to reflect on your position, after which I shall be raising a claim against the bank in my local court."

 

Let's see what he makes of that.

RBS Current Accounts £3868 claimed, settled in full before court

BoS Visa Card £350.58 claimed, settled in full before court action

Capital One Visa £1356.79 claimed, court claim issued, agreed to settle for £1127.46

 

HFC Bank Marbles £408.85 claimed, promised to settle before court, still waiting for cheque

Barclaycard £552.66 claimed, offered £152, AQ filed

Lloyds TSB MoreThan card £312.70 claimed, AQ filed

MBNA Visa £2744.22 claimed, £1250.51 paid, AQ filed

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after speaking to mr mclean on the phone today he is really a nice person and you have to remember that he personally hasnt got your money. dont wish to seem rude but a more forceful aproach may not help your claim with him. after speaking to him today he has thanked me for ringing and assured me that every effort will be made by him to resove my claim by the deadline on friday. watch my thread to see the result.he also told me that they have taken on more recrutes as the demand from people claiming has been too much for them to cope with, but now with the additional staff they are dealing with matters more quickly. but good luck with your claim. and hope i havent spoken out of turn...

rbos prem letter sent 25th aug 06

give me 10 more days letter received 2nd sept 06

lba sent 7th sept 06

settled in full 7/10/2006

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Not at all - thanks for the advice. I have no intention of being rude, but I do believe the banks need to get the message that they cannot carry on treating customers the way they have. Their initial approach of trying to fob us off with a standard letter is an insult. I'm sure Mr McLean is only doing his job and probably acting under instructions from above. In that case I hope he will carry back the sentiments behind our letters to those that matter.

RBS Current Accounts £3868 claimed, settled in full before court

BoS Visa Card £350.58 claimed, settled in full before court action

Capital One Visa £1356.79 claimed, court claim issued, agreed to settle for £1127.46

 

HFC Bank Marbles £408.85 claimed, promised to settle before court, still waiting for cheque

Barclaycard £552.66 claimed, offered £152, AQ filed

Lloyds TSB MoreThan card £312.70 claimed, AQ filed

MBNA Visa £2744.22 claimed, £1250.51 paid, AQ filed

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I have to say, I do tend to agree with Susanne and it might be wise to make sure when you say 'you' in your letter you maybe say 'RBS Group' or something, so then it won't sound so personal to the Man himself! Don't forget we are sending and replying with standard letters as well as them ;) Its just a shame that the 'ritual dance' is such a long one and RBS are using delaying tactics as much as possible - in the end they're only costing themselves more.

 

Best of luck with your claim... lets hope they hang up their dancing shoes soon:)

~

:p I'm a lover, not a fighter... well, most of the time :razz: ~

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  • 2 weeks later...

Well, after my LBA things have moved quickly. On 9th October RBoS offered to settle for around 50%, which I promptly rejected, telling them that I would be starting court action today, 18th October. This morning I received a letter from Tommy McLean offering "exceptionally" to settle in full as they prefer to do this directly (i.e keep the matter out of the courts) - I bet they do!

 

Now I shall send them a carefully worded acceptance letter and concentrate my efforts on Barclaycard and the others.

RBS Current Accounts £3868 claimed, settled in full before court

BoS Visa Card £350.58 claimed, settled in full before court action

Capital One Visa £1356.79 claimed, court claim issued, agreed to settle for £1127.46

 

HFC Bank Marbles £408.85 claimed, promised to settle before court, still waiting for cheque

Barclaycard £552.66 claimed, offered £152, AQ filed

Lloyds TSB MoreThan card £312.70 claimed, AQ filed

MBNA Visa £2744.22 claimed, £1250.51 paid, AQ filed

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Congratulations!!! It does seem as though RBS are settling more often at LBA stage now. That has to be a good thing, although I wouldnt mind getting the interest as well;)

 

Dont spend it all in one bank - sorry - shop!:D

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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Thanks - checked account this morning and the money has arrived. Now I'll go after them for the RBoS Mastercard charges. . .

RBS Current Accounts £3868 claimed, settled in full before court

BoS Visa Card £350.58 claimed, settled in full before court action

Capital One Visa £1356.79 claimed, court claim issued, agreed to settle for £1127.46

 

HFC Bank Marbles £408.85 claimed, promised to settle before court, still waiting for cheque

Barclaycard £552.66 claimed, offered £152, AQ filed

Lloyds TSB MoreThan card £312.70 claimed, AQ filed

MBNA Visa £2744.22 claimed, £1250.51 paid, AQ filed

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