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    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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    • 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.
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      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
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Rob v Smile


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I thought I'd post my experiences with Smile here -

The story so far

Sent an SAR to smile in June

Waited, waited, waited - no reply within the 40 days, so I got in touch with the Information Commissioner's office, reporting them under the Data Protection Act.

ICO replied to me stating that smile claimed never to have recieved my letter.

*MORAL*

Always send stuff recorded delivery!

Resent the SAR last week, and today received a standard acknowledgment letter.

This (claiming not to have received SAR) may be a tactic, or it may be due to my incompetence, but in my experience the mail is not that unreliable...

Anyone else have this happen?

Rob - reclaiming what's mine :)

S.A.R - (Subject Access Request) sent to Smile 9/10/2006

Partial repayment - £1700

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Did your payment ever get cashed, assuming it was a cheque. If postal orders I believe they can be traced too, but are a bit of a nightmare I'm told. You are lucky to have heard anything from the ICO, but mail does get lost sometimes.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

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Hi Caro,

No the cheque was never cashed - but they wouldn't would they, if they wished to pretend they'd not received it?

Mind you if it got lost in the post it wouldn't get cashed either :)

Rob - reclaiming what's mine :)

S.A.R - (Subject Access Request) sent to Smile 9/10/2006

Partial repayment - £1700

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Recently got this secure message from them - strangely enough at the same time as the information commissioner's office would have been in touch with them...

 

 

Hello Mr Pembro

 

We're just letting you know that your £2460.00 overdraft is due to end. Unfortunately, due to a recent review of your account we can't offer an arrangement for this amount. However, we have set up an overdraft of £500.00 to be automatically renewed on 24/10/2006 and run until 24/10/2007.

 

For details of the terms and conditions and any charges that apply to your overdraft, please go to help index: tariffs, t&cs. Please note that we reserve the right to vary our charges at any time, but we will always let you know before they change.

 

If you do not want your overdraft to be renewed please contact us within the next 14 days.

 

We offer an optional overdraft protection plan provided by Norwich Union. It offers you cover for the following: accident, illness, involuntary unemployment or death. The cost is 50p per person per £100 of the overdraft limit (regardless of whether the overdraft is used). To take this cover you must be UK resident, working at least 16 hours per week, aged over 18 and under 65. For more information on the overdraft protection policy, please go to http://www.smile.co.uk/images/pdf/overdraft_protection_policy.pdf. If you would like to take our overdraft protection plan, please reply to this message.

 

Thanks

 

smile

 

Cheek!

First of all I wouldn't need the overdraft facility if it wasn't for their illegal charges, and then, to add insult to injury they try and sell me their worthless insurance policy!

Rob - reclaiming what's mine :)

S.A.R - (Subject Access Request) sent to Smile 9/10/2006

Partial repayment - £1700

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Just to point out Rob that the charges are unlawful and not illegal as they do not come under criminal law. Secondly I suggest that you cancel your cheque, send another S.A.R - (Subject Access Request) and a letter (or secure message backed up by letter) saying that you want to place the account in dispute so they cannot take any further action until the dispute is resolved. It may be too late to stop them pulling the overdraft, but assuming that you can't afford to pay it all back at once you need to try and agree a way to repay it over a period of time at a rate that you can afford.

  • Haha 1
The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

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I stand corrected - I didn't realise there was a difference between "illegal" and "unlawful"!

As I stated in my original post, I have already resent the S.A.R.(and had it acknowledged) - but not before they informed me of their actions re: the overdraught. I strongly suspect that, being forewarned of my intentions by the information commissioner's query, they shut down my overdraught to prevent charges escalating. That doesn't get the bills paid though does it? ( well not yet anyway) I am unfortunately in the position of living on my overdraught - largely due to their *unlawful* charges

Thanks for the advice though - I sent them a secure message and a "snailmail" asking to put the account in dispute, and to contact me to arrange a "mutually acceptable" way of reducing the O/D which does not leave me on the street...

Rob - reclaiming what's mine :)

S.A.R - (Subject Access Request) sent to Smile 9/10/2006

Partial repayment - £1700

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  • 3 weeks later...

Partial Success! Following Caro's advice I wrote to the bank via both snailmail and secure message. They rang me and I offered to have a reducing overdraught facility - by £20 a month - to which they agreed! As the 40 day deadline for their replying to my S.A.R. is at the end of this month, (Nov) I'm not too worried about that condition :)

I've since had 2 (standard - type) letters assuring me that "my complaint is being looked into"

Rob - reclaiming what's mine :)

S.A.R - (Subject Access Request) sent to Smile 9/10/2006

Partial repayment - £1700

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Partial Success! Following Caro's advice I wrote to the bank via both snailmail and secure message. They rang me and I offered to have a reducing overdraught facility - by £20 a month - to which they agreed! As the 40 day deadline for their replying to my S.A.R. is at the end of this month, (Nov) I'm not too worried about that condition :)

I've since had 2 (standard - type) letters assuring me that "my complaint is being looked into"

 

This seems to be something Smile are more than willing to do, My overdraft with them hit 800 at one point and they suggested the same thing to me, sliding it down by 25 a month until it was back to its original 500 thus avoiding charges. As luck had it I started a DMP with CCCS at the same time so everything worked well together, and I have managed to not use the overdraft facility since (a couple of successful claims has helped) :D

 

I've said this before and I'll say it again Smile are one of the most helpful banks I have ever dealt with.

 

Now I must run off and see if that credit has cleared into my account yet so I can make a another donation to the site :)

  • Haha 1

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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  • 1 month later...

Well, my complaint was "looked into" and I got a letter informing me that £1700 had been paid into my account - this was before they sent me my statements that I had requested in the S.A.R. - so naturally I waited until that had arrived. As I also have a life to live, it has taken me a couple of weeks to get around to wading through 6 years worth of statements. Having now done my sums it seems that the repayment was about £300 light - so first thing in the new year they will be getting a letter from me requesting that plus the statutory interest on the entire sum - or I will see them in court!

As the interest comes to another £350ish I think that will do nicely as compensation for all the angst they have put me through over the years!

Rob - reclaiming what's mine :)

S.A.R - (Subject Access Request) sent to Smile 9/10/2006

Partial repayment - £1700

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