Jump to content


  • Tweets

  • Posts

    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (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; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
  • 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

Big Fight With NAT WEST ***WON***


Deller
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6201 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

I've been waiting forever - only had £74 back and paid out near on £900 in court fees!

 

You certainly are a little bit out of pocket hey Giz.

 

I hope my cheque isn't too far away Scarlet, I've got moths coming out my wallet!!:eek:

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

Link to post
Share on other sites

  • Replies 718
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Well looks like I've now got more problems, I set up my parachute account before I started my claim against Nat West and everything seemed to be in place with regards to my Standing Orders and Direct Debits, until today anyway. My Nat West Loan payment was due out yesterday but for some reason hasn't left either of my accounts even though my loan account shows it as being paid. I phoned Halifax who told me the DD was active but no request for payment had been made. I then phoned Nat West to be told that my loan payment could only be taken from A Nat West account. This is going to be rather difficult as I have transfered all my payments from this account to Halifax and my NW account has no funds in it.

 

Can they insist on this? and does this mean I'm going to be unable to close my Nat West account?? :-x

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

Link to post
Share on other sites

Itd oes seem odd have seen a copy of their T & Cs, with all due respect I would have though nAtwest would have just been happy to have their loan repaid on time regardless or where it orginates from.

 

You need to check your T & C dellar

Allyxia

KEEP FIGHTING FOR YOUR MONEY - EVEN WHEN IT GETS TOUGH

The Banks are somewhere which lends you an umberella when it is sunny, and takes it away when it rains

 

HSBC £1200 - Settled in Full

Cap 1 2 X £100 - Settled in Full

Nationwide £1641 - Settled in Full inc Default and CCJ Removed by Court Order

NatWest £2215.60- Settled in Full and Removed Default Natice

Woolwich £3690 - Settled in Full

Link to post
Share on other sites

That seems nuts. They want to dicate where you pay your loan account from? That seems to be imposing the will of the bank in a way that may contravene certain European laws on free trading, well that is my immediate reaction. Surly it is your perogative on how you settle you debts.?

My advice has hardly any legal foundation whatsoever, however you never know it it might just work!

:cool:

 

NatWest Prelim 07.10.206

LBA 21.10.2006

MCOL 30.10.2006

Acknowledgment of Service 06.11.2006

Offer of approx 50% £2200.00 22.11.2006

Full settlement £4500 received 03.01.2007

Smile settled in full

Barclaycard settled in full

RBS Worldwide settled in full

Lloyds TSB settled in full £750.00

Lloyds TSB settled in Full £275.00 11.04.2007

Lloyds TSB business account £1376.00 AQ filed

Lloyds TSB Business account settled in full 21.05.07

Link to post
Share on other sites

Well looks like I've now got more problems, I set up my parachute account before I started my claim against Nat West and everything seemed to be in place with regards to my Standing Orders and Direct Debits, until today anyway. My Nat West Loan payment was due out yesterday but for some reason hasn't left either of my accounts even though my loan account shows it as being paid. I phoned Halifax who told me the DD was active but no request for payment had been made. I then phoned Nat West to be told that my loan payment could only be taken from A Nat West account. This is going to be rather difficult as I have transfered all my payments from this account to Halifax and my NW account has no funds in it.

 

Can they insist on this? and does this mean I'm going to be unable to close my Nat West account?? :-x

 

Nat west do come out with them :)

I changed accounts in the summer to HSBC - and the ytold me the same after a very loud argument in the branch they agreed that it was not in T&C anywhere just their preferredf method of payment - I said my preferred method was to cut all ties with Nat West - queue got longer and longer I got louder and louder you get the picture? I cancelled DD on line wrote nad told them under no circumstances was it to be reactivated and my now famous loan gets paid by standing order from my new HSBC account.:D

Consumer Health Forums - where you can discuss any health or relationship matters.

Link to post
Share on other sites

There we go dellar as we though but couldnt confirm

 

Well done Gizz who would have thought that "famous" loan of your would have been useful!!!

Allyxia

KEEP FIGHTING FOR YOUR MONEY - EVEN WHEN IT GETS TOUGH

The Banks are somewhere which lends you an umberella when it is sunny, and takes it away when it rains

 

HSBC £1200 - Settled in Full

Cap 1 2 X £100 - Settled in Full

Nationwide £1641 - Settled in Full inc Default and CCJ Removed by Court Order

NatWest £2215.60- Settled in Full and Removed Default Natice

Woolwich £3690 - Settled in Full

Link to post
Share on other sites

Guest Battleaxe

I was told something similar by A & L. very politely told them to get stuffed and that i would be making a manual payment. they huffed and puffed and tried to say a condition of the loan was that it was paid by DD , told the same thing by MBNA.

 

So I told them to put in writing that will not accept a payment off me under circumstances other than what they are trying to dictate. never got a letter form either bank

 

I have made two manual payments, i/e rang up on due date and gave details on the parachute account and they accepted it, but only for each installment. I will not allow them to set up a DD on my new account.

 

They will try anything once and if you stand firm they have to accept. to refuse to accept a payment would be rather stupid.

 

Don't let them get away with it Deller. Are they wanting you to to default by refusing to accept payment when offered. Wouldn't look too good in Court for them.

Link to post
Share on other sites

Nat west do come out with them :)

I changed accounts in the summer to HSBC - and the ytold me the same after a very loud argument in the branch they agreed that it was not in T&C anywhere just their preferredf method of payment - I said my preferred method was to cut all ties with Nat West - queue got longer and longer I got louder and louder you get the picture? I cancelled DD on line wrote nad told them under no circumstances was it to be reactivated and my now famous loan gets paid by standing order from my new HSBC account.:D

 

Looks like I've got my own verbal hockey match coming up Sat morning then........Nat West staff be warned!!:lol:

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

Link to post
Share on other sites

which branch

 

Yate......why, do want to buy a ticket?

 

Umm!! perhaps I could make a few quid here!! :lol:

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

Link to post
Share on other sites

Yate......why, do want to buy a ticket?

 

Umm!! perhaps I could make a few quid here!! :lol:

 

No mine was Filton - just be funny if it was same branch - but nice of us to spread the doom!

I'll be in MAdrid anyway.

Consumer Health Forums - where you can discuss any health or relationship matters.

Link to post
Share on other sites

Guest Battleaxe

We could all come along and be your cheer squad. I do a very good hiss and boo

 

When they they say 'O h no you can't'. we could shout, 'oh yes you can'

 

it is panto season after all.

Link to post
Share on other sites

We could all come along and be your cheer squad. I do a very good hiss and boo

 

When they they say 'O h no you can't'. we could shout, 'oh yes you can'

 

it is panto season after all.

:lol: :lol: :lol:

 

Trouble is Nat West don't seem to have a sense of humour - or cobbetts for that matter!

Consumer Health Forums - where you can discuss any health or relationship matters.

Link to post
Share on other sites

:lol: :lol: :lol:

 

Trouble is Nat West don't seem to have a sense of humour - or cobbetts for that matter!

 

Don't suppose any of their staff will be going to the Xmas panto then!!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

Link to post
Share on other sites

Don't suppose any of their staff will be going to the Xmas panto then!!

 

A freind of mine used to work for natwest and got a reduced rate mortgage - anyway she borrowed more to extend house and realised about a year later thatshe was overpaying - after a few bacardis on a friday night we drafted letter to chief executives office asking for refund and compensation - she got it £600 and compo of £200 and a promotion to manager for observation and initiative! Got amde redundant about 4 years later with a hughe payout as well. That was after we went to a posh xmas party and had more bacardi:D

Consumer Health Forums - where you can discuss any health or relationship matters.

Link to post
Share on other sites

A freind of mine used to work for NatWest and got a reduced rate mortgage - anyway she borrowed more to extend house and realised about a year later thatshe was overpaying - after a few bacardis on a friday night we drafted letter to chief executives office asking for refund and compensation - she got it £600 and compo of £200 and a promotion to manager for observation and initiative! Got amde redundant about 4 years later with a hughe payout as well. That was after we went to a posh xmas party and had more bacardi:D

 

Well sounds like you've got something out of Nat West, even if it was only a few bacardis.:rolleyes:

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

Link to post
Share on other sites

Yes and quite a few disapproving looks from the higher up bank staff. Iam not confessing on a public forum what I actually did - but she was frozen out of clicky conversations on the monday back at work:)

 

Any news on the 1st yet?

Consumer Health Forums - where you can discuss any health or relationship matters.

Link to post
Share on other sites

Any news on the 1st yet?

 

No not yet, I reckon my boss used to work for Cobbetts!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

Link to post
Share on other sites

Deller,

 

EXACTLY the same thing happened to me EXACTLY the same bank...

 

I ended up (via internet paying from my A&L parachute account) to my Natwest loan account (just by entering sort code and account number on A&L) on approx the correct date (ehehehe)

 

Natwest argued I should be using there accounts, I did delete the direct debit, on line, from my Natwest account to the loan account but they re-instated it. I even had deletion conformation.... (which I would suggest you print out)...

 

The scenario went on for months and I did not touch my Natwest account as a result but I complained to everyone keeping records of names and departments, even RBS chairman....(he refunded one charge before MCOL).... I demanded every single time to see where I has signed any t&c saying I must pay from another Natwest account....

 

I swear I was lost in the system.... eventually a lady from Natwest was extremely helpful... and refunded every single charge and interest incurred as a result. She apologised for their mistakes too! I even told her I had started court proceediings... she was ok.... This was after I had entered my MCOL (so now I cannot lower my claim account..."hehe...oh dear" but of course I would be willing to settle for that little less)

 

She also agreed as my loan was near the end I could pay it from whatever account I wanted too.... (and i never did get to see any t&c I had signed)

 

Anyway... the info for you

 

DATE RESOLVED 20/10/06

BUSINESS ADVISOR: LINDA CARR

TELEPHONE NUMBER: 08457 11 44 77

SHE REFUNDED £84CHARGES AND £62.67INTEREST

 

Deller, she's a nice lady.... hope this helps and she helps even more

 

Cheers

 

Innocent :cool:

  • Haha 1

:D CLICK MY SCALES IF I HAVE BEEN USEFUL :D

*

BARCLAYCARD WON £307

*

CAPITAL ONE WON £2.1k

*

NATWEST WON £3.4k

*

LLOYDS TSB CURRENT

Start 26/4 LBA 7/6 conLBA 22/1 N1 12/3 AQ 3/5/07ONHOLD

MORE THAN/ LLOYDS MCARD

Start 2/11 CONTL LBA 15/1/07 NOW RE-RESEARCHING

MONUMENT VISA

Start 1/11 CONTL LBA 15/1/07 NOW RE-RESEARCHING

NATWEST BUSINESS

RESEARCHING

Link to post
Share on other sites

Thanks for the reassurance and helpful info, Innocent, your a star.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

Link to post
Share on other sites

Itd oes seem odd have seen a copy of their T & Cs, with all due respect I would have though NatWest would have just been happy to have their loan repaid on time regardless or where it orginates from.

 

You need to check your T & C dellar

 

Had a read through the terms and conditions but don't really think they clarify anything, as the points relating to any bank account seem a bit vague in my opinion. The main points of the T and C's which have any possibility of backing up Nat West's statement are as follows:-

 

If required by the Bank the Customer will open and maintain a Current Account with the Bank. I don 't see Must there anywhere.

 

The Customer authorises the Bank to debit the Instalment Repayments and (if there is any breach of this agreement) the Charges on Default to the Customer's Current Account with the Bank (if any).

 

These seem to be the only two points in the T and C's that even mention a bank account, and in both cases state "if any". It doesn't say anywhere that the payment must come from a Current Account with Nat West.

 

Anyone got any thoughts on the above,.....Giz.......Ally.........anyone!! :confused:

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

Link to post
Share on other sites

No Agreed Dellar!

 

Have you kept your account open with them?

 

Im thinking this based on what you have written above.

 

It does say you have to open and maintain an account with them fair enough - but it doesnt say the loan repayment have to come out of this account!

 

This statement is not open for interpritation - it amounts to fact, and therefore as long as you keep your current account open with them, Make your repayments how you so wish - at best the only enforcable thing I can see they have a leg to stand on is the repayment must be made by direct debit - but agin I cant see how they can enforce this to come from a Natwest bank account!

 

I would take this to them and highlight the posible statement in the T & C that you think they going to call upon and also write out your conter arguements.

 

I know Giz is off sunning herself this weekend but Im about - though after the day Ive had Im orf to bed now. So If there is anything elseI will pick it up in the morning!

Allyxia

KEEP FIGHTING FOR YOUR MONEY - EVEN WHEN IT GETS TOUGH

The Banks are somewhere which lends you an umberella when it is sunny, and takes it away when it rains

 

HSBC £1200 - Settled in Full

Cap 1 2 X £100 - Settled in Full

Nationwide £1641 - Settled in Full inc Default and CCJ Removed by Court Order

NatWest £2215.60- Settled in Full and Removed Default Natice

Woolwich £3690 - Settled in Full

Link to post
Share on other sites

Thanks Ally, I'm going to go to my branch Sat morning to try and resolve this matter, I will do as you've suggested and highlight the main points in the T and C's and also make notes for my arguement, don't suppose it'll be as exciting as your day though!!

 

Well done again Ally, great result ;)

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

Link to post
Share on other sites

Thanks Ally, I'm going to go to my branch Sat morning to try and resolve this matter, I will do as you've suggested and highlight the main points in the T and C's and also make notes for my arguement, don't suppose it'll be as exciting as your day though!!

 

Well done again Ally, great result ;)

 

If they say that they don't do this or have nver done this feel free to quote my details - I am off to sunny/rainy madrid for weekend so if you want details let me know.

Consumer Health Forums - where you can discuss any health or relationship matters.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...