Jump to content


  • Tweets

  • Posts

    • 70 pages of CEL topics here... https://www.consumeractiongroup.co.uk/search/?q=CEL&quick=1&type=forums_topic Fill your boots!
    • I believe so yes on the address it was taken out. no DN and no NoA from OC to lowells. Shall I respond with another CCA agreement etc as before? PO are a pain lol
    • Again, don't worry, the defence is really only intended to stop the other side winning by default.  The "meat" of your case is the Witness Statement. We'll have a good read through what you have prepared today and suggest some tweaks. We need to see what UKPC have put in their WS.
    • Anyone had a bad experience of Civil Enforcement Limited (CEL), Greenwich?  I'm considering taking a complaint to our Greenwich MP, to dig into CEL's unlawful and unethical practices.  CEL is making an incredible amount of money scamming motorists with huge, dis-proportionate fines in many cases - looking for any discrepancy and then attempting to bamboozle motorists with legal fear-mongering. I've just won a POPLA appeal after a few months contesting a private land penalty charge notice (PCN) from Civil Enforcement Limited (CEL).  I used the private car park at 237-259 Greenwich High Road, SE10 8NB several months ago - correctly paying for my full stay.  To my annoyance I received a £100 fine a month later from CEL - and only after my querying and sharing my receipts, CEL stated that the fine was because it had taken me slightly longer than 10 mins to acquire a ticket (their small-print terms on the car park sign states the cut off is 10 mins of entry).  CEL immediately rejected my appeal (that the busy/crowded car park caused delays in securing a parking spot, making it impossible to meet the allotted 10 min cut off).  However, I escalated to a POPLA (the independent appeals service for PCNs issued on private land) - who were incredible.  POPLA truly listened to the facts unbiased and collected fair and appropriate evidence, before throwing out the PCN.  It's been a mild annoyance over the past months - but at least I'm vindicated. With the number of terrible reviews of CEL online (*link below), I'm surprised they've been allowed to continue operating at that location (I'm not sure of their practices elsewhere, so cannot comment there).  If anything comes out of this, I urge anyone receiving private land PCNs from CEL, to closely look at the contravention.  If you've genuinely paid and it's not your fault, I'd urge you to appeal to POPLA.  FIVE TIPS IF MAKING A POPLA APPEAL: 1.  Read the instructions and paperwork carefully, and follow POPLA's guidance - 2.  Be clear, concise, but brief in your responses - 3.  Make sure to address every itemised argument that CEL makes (failure to address specific points may work against you) - 4.  Don't be put off by the number of case laws, rules and codes that CEL will cite and throw at you (these are designed to overwhelm and distract - remember that motorists have protections too) - 5.  Familiarise yourself with the relevant section/s of the 'British Parking Association (BPA) Guidelines' if you can. *https://en.parkopedia.co.uk/parking/carpark/greenwich_high_road/se10/london/?arriving=202405221830&leaving=202405222030
  • 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

Advice Needed!


jscouser2002
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6673 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 have a normal bank account, without an overdraft facility. Everytime I have accidentaly gone overdrawn by anything over £25 I then get charged a £25 fee for everytime this is done. Over the past 2 years this has happened a few times. Its not a credit card its just a normal solo bank card!

 

Can I claim any of these fee's back?

 

Thanks

Any advice appreciated

Link to post
Share on other sites

Alot of the charges were from a long time ago when I was young and stupid and used to gamble more than I could afford! So the transactions may be for going overdrawn for multiple betting transactions! Can the bank say that I was well aware of what I was doing treating it as an extra facility and refuse to refund?

 

I tell you what does bold well for me there was one time when my card stopped refusing transactions which I then receieved charges for going overdrawn, I then contacted the bank and complained that the card should not accept transactions if there is no money in the basic account! They then agreed fixed the setting so it stopped authorising transactions! Three months later it started accepted transactions when I had no money in the account!

Link to post
Share on other sites

Hi JS,

 

Welcome to the group - it is a scary step, but you do need to be aware of what you are doing.

 

It really does take a few days to get your head around all the arguments and all the information. The FAQs and Library have answers to 95% of the questions you want to ask. I would strongly suggest reading them before coming back with more questions

 

You will be setting a timetable (the timetable that the bank says it will work to is irrelevant). In the FAQ you will find 'first steps.' Start this, be clear on what your first step is (requesting the info from the bank so that you can calculate what they owe you).

 

Whilst waiting for the info, read up on your next step. If you make sure you stick to your own thread in the relevant area (eg [username] claim against [bank]), and use this as a sort of diary which you can update as things progress. It will also enable you to check responses to your questions, and people will be able to find your thread a lot easier.

 

Good luck.

 

You are here, you want your money back, you will get help and support in this, but it is YOUR call, and you must be prepared to put in the effort.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

I am trying to find an address to send DPA disclosure request to, because i am editing the templates so they are suitable for me. If i do decide to go ahead and try and claim back my charges.

 

What is a suitable address tos end it to?

 

I have seen the contact details on hsbc bank action group page. But unsure which one is most suitable!

Link to post
Share on other sites

The best one to use for your first letter is your local branch. The bank's internal systems will ensure that the letter gets to the right person. Suggest sendiong it recorde delivery. Good luck.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

You forgot the best one

 

4. The Good News

 

:)

First Direct, £4031 Recovered

Halifax, £953 Recovered

MBNA Credit Card, £120 Recovered

American Express, £160 Recovered

Coming Soon......

Blackpool Council, £190 in unlawful parking tickets

Carstoppers. £50 from the cowboy clampers

Link to post
Share on other sites

I am prepared to send the first DPA letter to recieve information about my charges and transactions etc. I just want to know what would be the correct address to send it to.

 

Would it be a specific customer service department? or my local Branch, addressed branch manager?

 

Also what is the best method for me to send the letter to prevent bank from saying they havent recieved the letter etc so that they then may be able to prevent me from winning by default?

Link to post
Share on other sites

The Manager,

Local Branch.

 

Dear Sir/Madam...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

I sent my DPA request to my branch manager at my local branch address (the one on my cheque books) and got a reply. The reply was not from my local manager, but the letter had obviously been forwarded on. If you're not sure who your branch manager is, you can call up customer services (use the local number - 01226 261010 - not the 08457 one) and ask them who he/she is.

 

Another reason for using the local branch is that if it gets to court you can then apply to the court near you rather than one miles away where the banks head office is.

 

Neil.

Link to post
Share on other sites

Thanks

 

I think i am starting to understand the process and possible outcomes more now, i feel as tho the process is looking easier and less complicated than first thought. Which makes me wonder am i missing something? Hope not! I am also feeling more comfortable that there is nothing the bank can do to prevent them giving me my money back or at elast taking a small percentage of it for themselves the covers the realisitic costs, giving me the real amount that was illegal taken from my account! I am actually feeling very confident!

 

I am going tos end DPA letter friday when I have read alot more of these boards and gained more knowledge

Link to post
Share on other sites

That is the best advice - the more you read other peoples experiences the more the process becomes clear. Should anything happen in the process that needs further help - there are plenty of people ready to offer advice and support.

 

All the best.

 

 

 

 

 

 

Link to post
Share on other sites

Use recorded delivery. You can then check on-line to see that it has been delivered. Doesn't cost much more than a normal stamp. Well, I suppose in relative terms it's about 4 times the cost? The only inconvenience is that you have to go into a post office to do it. Can't just drop it in a post box. But, it is worth it.

 

Neil.

Link to post
Share on other sites

Use recorded delivery. You can then check on-line to see that it has been delivered. Doesn't cost much more than a normal stamp. Well, I suppose in relative terms it's about 4 times the cost? The only inconvenience is that you have to go into a post office to do it. Can't just drop it in a post box. But, it is worth it.

 

Neil.

 

Do i then get any other confirmation that they have actually recieved the document, ie written

Link to post
Share on other sites

When you send recorded delivery you get a 'barcode/ID number" - log onto Post Office/Track & Trace a day or two after posting and it will tell you which office delivered it and when...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

  • 12 years later...

This topic was closed on 03/08/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6673 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

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...