Jump to content

  • Tweets

  • Posts

    • if it's a total loss but not structurally damaged it'll be Cat N.   Of course you can insure a Cat N car, there are loads about that have been repaired. It's unlikely that your current insurers will insure it, however.  It is also normally more expensive to insure a Cat N car. Get on to some brokers and run the numbers.  
    • Lol! Yes, lookinforinfo,  I picked up on the word "Must" .... As you say, they have not done what they legally "Must" do I'm going to buy the Dummies Guide to Law and see if DCB(L) will give me a job   I'm also looking forward to CPR 27.1(1)(b)    
    • Well done for boning up on Schedule 4 . I expect you understand the point I was making about not inviting the keeper to pay the charge. At the start of Section 9 the wording includes the word "must" which is a very important word legally. It means that Highview have to include all the requirements stated in that section or subsection. If it's missed out the PCN does not comply with the Act and the keeper cannot be held liable to pay. You have to make allowances for them . The Act has only been in force since 2012 so it will take them a few more years yet before they get it right. But it does emphasise the comprehension level of who you are dealing with. Their solicitors are a tad below that level so most of your snotty letter will doubtless go over their heads. But the Judge will appreciate the humour. if it gets that far. Probably the irony too of the solicitor getting some legal information that they are unaware of.
    • Yes, I read that, that's what prompted me to think of not mentioning it here yet. This is what I was referring to earlier, seems credible, if anyone was interested: (although I don't want to stray of topic ) At the final hearing in 2016 at the Bolton County Court we relied, you might think unwisely, on a defence that the signage was illegal.  ParkingEye’s Claims Handler, David Greenbank, although not attending the hearing, had submitted a Skeleton Argument containing a claim that they had been granted planning permission for the signs retrospectively. The judge found in favour of ParkingEye and anyway we had run out of time and he was anxious to move on to the next case (back-to-back parking cases).  We had evidence to prove our case, but weren’t allowed to present it. Parking Prankster: The great private car park planning approval scam PARKING-PRANKSTER.BLOGSPOT.COM Guest blog from shuteyepark, from the Consumer Action group forums In December 2013 my daughter received a Parking Charge Notice (PCN) fro...  
    • nope. shows where you've been reading up then...though so cag does not recommend filling any defence that plays any of your cards thats not till WS stage if it ever goes that far. when you've done the sticky, scroll down on it further and you'll see the defence section. dx
  • 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

Overdraft removed without reasonable cause?

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3463 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


Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 



Recommended Posts



I am looking for some advice on the action Lloyds made against my account. I am student and have had my £500 student overdraft facility removed. Reason being as they said, I have not used my account since late July this year. I am now on a study abroad course which means I am taking one year as part of my degree in the USA and return May 2015. I left UK August so I have not received some of their letters. However my mother now sends letters to my address in the USA and was only notified once that the overdraft was already removed. I also noticed my account was set to a graduate's account but I am still student. I phoned immediately and they said I will have my account set back to student once I send proof of letter. I have done so as well as letter of complaint. I said I have not received letters since August, I have not used my account recently as I had been using another account for travelling etc, I am not permitted to work here so there be no regular funds in the account however will use the account for regularly transactions but they didn't care and kept saying I breached their policies, they will not put me back to student and my account will be closed and have default on my credit report if I do not settle installments with them now. It all seems immediate.. can they be doing this?!


Any advise thank you

Link to post
Share on other sites

So there is no money in the regular account and no money going into it and the overdraft facility is in the red ??


Not exactly there was no money in the account since late July so I agreed to use the card regularly and put money in the account while abroad but only if they could reinstate the overdraft otherwise I would be paying off an unforeseen debt. They said no to this.

Link to post
Share on other sites

I'm not sure what you are saying there, but you do realise that you cannot have an overdraft by right and it is up to the bank to decided if it lets you have this facility. It can remove the facility as it pleases as well as increase or decrease the limit.

These things are done an a considered risk basis.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?

  • Create New...