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    • Thank you all for your input so far. I have now received a letter back from my CPR 31.14 stating 'CPR 31.14 is not relevant to small claims matter, pursuant to cpr 27.2......we are under no obligation to disclose the documentation at this stage.' I assume this response is expected?   I have reworded my defence and made it more succinct, I'm not sure what else I could add?   1. Due to the sparseness of the particulars, it is unclear as to what legal basis the claim is brought, whether for breach of contract, contractual liability, or trespass. However, it is denied that the Defendant, or any driver of the vehicle, entered into any contractual agreement with the Claimant, whether express, implied, or by conduct.   2. It is admitted that the Defendant was the registered keeper of the vehicle in question. However, the defendant has no liability as they are the Keeper of the vehicle, and the Private Parking Company has failed to comply with the strict provisions of PoFA 2012 to hold anyone other than the driver liable for the charges.   3. Signage at the site is not sufficient. A sign is present on the left hand side of the entrance, away from the driver, and therefore cannot be easily read by the driver of a passing vehicle. On closer inspection this sign states ’Refer to the full Terms & Conditions signs located throughout the car park’. Signs are located so that information is often obscured by other parked cars and is difficult to read. These signs state ‘Entry to or use of this privately operated and managed car park is subject to the current terms and conditions of vehicle control services ltd. Motorists/persons utilising this car park hereby accept in full the terms and conditions.’ Therefore, the driver is deemed to have agreed to the terms and conditions by having entered the car park before knowing what those terms and conditions are. The elements of offer, acceptance and consideration both ways have therefore not been satisfied and so no contract can exist.   4. The claim contains a substantial charge additional to the parking charge which it is alleged the defendant contracted to pay, This additional charge is not recoverable under the protection of freedoms act 2012, Schedule 4 not with reference to the judgement in parking eye v Beavis. It is an abuse of process from the claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4) of the civil procedure rules 1998    In summary, it is the Defendant's position that the claim discloses no cause of action, is without merit, and has no real prospect of success. Accordingly, the Court is invited to strike out the claim of its own initiative, using its case management powers pursuant to CPR 3.4. 
    • On side note: I have notice that many people without the skills to argue their point, accuse others of being rude, racist, sexist, homophobic etc. I.E. Excuse me, i don't have a receipt for this refund, but i have my bank statement,  can i get a refund? -No, no receipt no refund - But your policy and the law says "proof of purchase" not "receipt " - You're rude/racist/homophobic, you must leave now or i call security.    I see this happening day in day out. Even kids do it, they're very quick at gaining a crowd's attention by shouting "racist/homophobic" so they can feel they've won the argument.  Sad.  
    • The advice is: make a complaint and get a refund. Then make another complaint about the inspectors attitude if you want, but changing the world is something that it's not going to happen, surely not for an excess fare. Inspectors are given discretion and unfortunately some of them take this as a sign of power over other people. It's impossible to sack all people who have a little position of power and employ more, hence the complaint system.  That's life and as .much as everyone of us want to improve it, it's an impossible task, so don't waste your time and brain on it. Just accept that there are things you can't change.  Get your refund, get your apology, then move on. That's my advice.
    • Hi.   I've removed part of the account number to keep this anonymous for you.   Have npower done what the ombudsman said?   HB
    • Read our customer service guide.   You've been here since 2012
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marcus6

4 wks missed to BH - now demanding good backs - help

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Hi dx, i have still not had anything back from them about the SAR is there a template letter i can use/add to for failure to comply letter?

 

i have looked but i can not seem to see one?

 

if you could help me please as i need to get this sent asap....... also are you sure they right the items off when the 90 days has passed?

 

Thanks

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the 90 days in in the managers thread sticky on this homepage

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Top of page click on library template letters here .

 

Hi there, yea i see the letters but i can not see the "failure to comply letter" please link it for me!

 

is it letter "N" i use?

 

Thanks

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi, been reading this thread with interest as looking to claim back truly mis sold OSC myself (that's when they'll agree to remove it, point blank refusing thus far!) Have you had anything back from them with regards to your SAR? xo

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Hi guys, on the 24th/05/2013 i sent BH failure to comply letter!! and i still have not had anything back from them??

 

 

Whats my next step.....??

 

I can not claim back the LDC or OSC until i get this back as i dont know how much i need to ask for??

 

Thanks

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give the ico a ring

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Sorry for sounding dumb but whats ICO stand for??

 

Thanks

 

give the ico a ring

 

dx

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information commissioners office

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi if you do decide to settle sometime in future once a default notice as been sent interest as to be stopped you no longer have to pay this trading standards site states this.they will try and claim this but hold your ground.

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I just phoned ICO, and they told me to send them the info, i have just sent that all to them by email.

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Hi guys,

 

i still have not had anything back from BH to do with my SAR i sent them 5 months ago,

 

i talked to ICO and they told me to send them the letters that i had sent to BH and they will look into it!

 

i'm about to send the letters to ICO......what will they do once they get the letters??

 

Thanks

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hopefully nail their ...to the wall

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi guys, well today i have sent all the info that the ICO asked for! to them...

 

I have worked it out its around 7.5K i have paid out in DLC & OSC.........SHOCKING!!!!!

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HI all,

 

I got letter today from the ICO, they have sent letter to Caversham Finance LTD , and i have to give them untill the 10/09/2013 to send me what i asked for!

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FYI:

 

we now have several customer reps for BH here now

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi marcus6

 

I'm sorry to hear of the delay you seemed to have had with regards to your Subject Access Request.

 

If you can email our Customer Relations team (customer.relations@brighthouse.co.uk) with the relevant account details, we will be able to give you an update.

 

Alternatively, if you prefer to speak to us directly, please do not hesitate to call on 0800 526 069.

 

Other wise if you can you email us with you name, address and the store your account is with, you will then receive an update as soon as possible.

 

Many Thanks

 

Jason

 

Web Relations Team

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Hi marcus6

 

I'm sorry to hear of the delay you seemed to have had with regards to your Subject Access Request.

 

If you can email our Customer Relations team (customer.relations@brighthouse.co.uk) with the relevant account details, we will be able to give you an update.

 

Alternatively, if you prefer to speak to us directly, please do not hesitate to call on 0800 526 069.

 

Other wise if you can you email us with you name, address and the store your account is with, you will then receive an update as soon as possible.

 

Many Thanks

 

Jason

 

Web Relations Team

 

 

Thanks jason,

 

But i think i will wait untill they send me all the info that i ask for back at the start of the year! if i dont get anything back by the 10/09/2013

 

also can i ask! why has it taken so long for a BH rep! like yourself to join this site........anyone?

 

 

Thanks

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Hi all,

 

I got SAR back today from BH!

 

 

its only taken BH from the 30th/01/2013 to get me all the info i asked for!

 

 

I want to start the ball rolling to get back all the OSC & DLC ins! that they have taken of me over the years! Whats my next step in doing this! are there any templates ( letters) on here! or spreadsheet?

 

Thanks

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I believe [but I've never seen statements - so post some up]

 

that the two are 'a fixed sum each week not subject to interest'

 

hence it lapses if you don't pay and then gets put on when you do

 

however we will see.

 

either the statint sheet [if no added int]

 

or

 

the CISHEET if their is at their rate in cell d15.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I believe [but I've never seen statements - so post some up]

 

that the two are 'a fixed sum each week not subject to interest'

 

hence it lapses if you don't pay and then gets put on when you do

 

however we will see.

 

either the statint sheet [if no added int]

 

or

 

the CISHEET if their is at their rate in cell d15.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

Hi dx,

 

I have spreadsheet from BH with all payments on, the OSC & DLC are there! and then there is Rent payment "ie" what the item costs, the only interest is on the Rent payment! OSC/DLC are on there own. i take it its all the OSC & DLC i have to put into new spreadsheet! but i do OSC on its own and then do a new one for DLC is that right?

 

Thanks

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can you post some up

I've never seen them.

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi dx,

 

I have spreadsheet from BH with all payments on, the OSC & DLC are there! and then there is Rent payment "ie" what the item costs, the only interest is on the Rent payment! OSC/DLC are on there own. i take it its all the OSC & DLC i have to put into new spreadsheet! but i do OSC on its own and then do a new one for DLC is that right?

 

Thanks

 

if there is def no int charged

the use a copy of the statint sheet

 

one for osc

 

one for dlc.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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