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    • Hi welcome to the Forum.  If a PCN is sent out late ie after the 12th day of the alleged offence, the charge cannot then be transferred from the driver to the keeper.T he PCN is deemed to have arrived two days after dispatch so in your case, unless you can prove that Nexus sent the PCN several days after they claim you have very little chance of winning that argument. All is not lost since the majority of PCNs sent out are very poorly worded so that yet again the keeper is not liable to pay the charge, only the driver is now liable. If you post up the PCN, front and back we will be able to confirm whether it is compliant or not. Even if it is ok, there are lots of other reasons why it is not necessary to pay those rogues. 
    • Hi 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No  7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice' I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof?
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
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    • 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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.
      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
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fiona v lloyds/tsb - ** WON **


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Well after three weeks of trying to get my statement from India.

 

I decided to go into my branch for one last try before I sent my letter off.

 

To my astonishment they were very helpful

 

Asked them if i could possibly have 6 yrs worth of statements.

 

"yes no problem I will put in a request for you" the spotty cleark told me

"All I need to do is take some details"

 

Gave him all my details and he told me I will ring you if as soon as they come into the branch "be about two/three days"

 

OK

 

In the mean time I've typed my letter address it and enclosed my £10.00.

 

Got to work this morning have a voicemail from Lloyds/Tsb to tell me my statements have arrive.

 

And low and behold got down to the branch and there they are.

 

(Must point out at this point was not asked why I needed them)

 

So tonight going through them all to calculate my charges and interest.

 

Sooooooo much paper

 

Still worth it in the end

 

Fi

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Hi Fi,

 

Did you actually send the DPA request as well? If not, then you should do. This extends the request to 'all transaction history' and 'details of manual intervention.'

 

It is just a precaution, but if they send the details, and no indication of manual interevention, you have covered your back in the eventuality that they claim manual intervention DID take place.

 

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.

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  • 4 weeks later...

Good luck Fiona :D

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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thanks. but it puzzles me why in the template letter it includes it??????????

"THE BEST THING ABOUT PEOPLE WHO PLAY GAMES IS BEATING THEM AT THEIR OWN GAME"

 

old halifax current account and current credit card £1641.53 plus costs---settled after n1 form handed in with no conditions £1761.53:D :D

 

abbey £2638.18 plus costs-n1 form handed in 28/07/20068) WON:wink:

 

wifes lloyds/tsb current account £4600- awaiting settlement offer:D ALL OF IT:wink:

 

neighbours £1800 with lloyds WON :wink:

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As previoulsy wrote in a previous mail their 14 days are up, and am getting ready to sent my lba letter.

 

On reviewing what has previously been sent, i think that I have made a mistake. I have included my overdraft excess fees.

 

I have spoken to the bank this everning to enquire about my the overdraft excess fees and they have informed me that there is a £5 charge for everytime I go over my overdraft up to a maximum of £90 per month.

 

Upon further reading on this site I now belive that overdraft excess fees are not reclaimable. Am I correct in thinking this. If so then my total amount claimed in my perlim letter is incorrect.

 

What do I do ?

 

Can I change the amount in the lba letter without mentioning the mistake or will I have to mention it.

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ok.. realise i hadnt made a mistake as i can claim all the money..

 

handed in my lba today for the full amount to the branch to the same person that sorted out my statements..

 

upon reading my lba he said "oh dear, if i knew it was relating to bank charges i wouldnt have been able to give you the statements"

 

oh well never mind lol

 

14 days and counting:):p:)

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below i have copied my particulars of claim. i have used the rough template and added the section about the 8% interest...

a couple of things

 

1) it comes to 1006 words

2) the very last bit about daily rate of interest???? what do i put here

 

3) please can someone ok what ive done and even better shorten it for me so its under 1000 characters

 

thanks

 

 

 

I have a contract with the defendant bank

dated nov 1997 and which is conducted on their standard terms and conditions. I am claiming the return of money taken by the defendant in the way of charges over the last 6 years. The bank's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. Further, as a disproportionate penalty they are invalid under the Unfair (Contracts) Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999. Para.8 and sch.2(1)(e). In the event that the charges are not a penalty then they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. I have repeatedly asked the bank to justify their charges but they have declined to do so. i also claim interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from 01/08/2000 to 10/03/06 of £917.24 and also interest at the same rate up to the date of judgment or earlier payment at a

daily rate of ?.

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decided that im not going to claim anymore. :(

 

i have 4 1/2 years of a ccj to run and if they close my account ill lose my debit facilities because my parachute account will only give me an electron card. its been a difficult decision as its £4500 and i got into this financial mess because i was robbed of thousands by an ex-boyfriend:-x:-x:-x

 

ive also been finding it harder to get answers recently and feel maybe this isnt such a good idea..

 

good luck to all in your claims, i hope you all win:D:D

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AFAIK Lloyds haven't closed anyones a/c yet. Would it be likely that they would close yours?

 

Whether to drop your claim is your decission. I would personally look at the pros and cons carefully. Is the CCJ related to Lloyds or a different institution?

 

It does seem to take longer at the moment to get advice. I think that having 21,500 users might have something to do with it!!

 

I'm sure a mod will be along soon to give you some more detailed information on closure and ccj's.

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Hey Fiona, I know how you are feeling, but please don't give up. This money is yours, and I can only imagine that the amount you wish to claim will make huge positive impact on your life. The MODS have so many threads to look at/edit etc that it will take a bit of time, but they will get round to yours. Just hang in there. Wait a while, take a deep breath, gather your thoughts, then go out there and get back what is rightfully yours.

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, 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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Fiona, don't give up!!!!! I got a letter a few day ago offering to settle. so there is light at the end of the tunnel.

 

With regards to your questions.

 

No1 use abbreviations and take out any extra words, eg change 'standard terms and conditions' to 'standard T&Cs'. You could start with 'Claimant has account with defendant dated.....' and then shorten the next sentence to read ' Claimant requires return of funds taken by way of charges....' etc

 

No2 work out how much is owed at the date of the claim including the 8% interest. Work out the monetary value of this at 8% and this will be the daily rate.

eg: £4,500 inclusive of 8% interest to 01/06/06. £4,500 x 0.00022 = 99p per day.

 

I've been through this and am now doing the claims procedure for friends and family. So if you need any help of support just PM me and I'll do what I can.

 

Angie

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fiona please don't give up ITS YOUR MONEY! i've to have a ccj i have recived asettlement letter to pay in full you will get plenty of support from people on here this is what the banks want look at my thread i have also though about giveing up but to think that they have £1800 of MY money and i want it back so please don't give up

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well i decided to go for it... thanks for the encouragement... i got the particulars under 1000 words and filled my claim so going all the way now:razz:

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  • 3 weeks later...

Go for it u will get your money back all the best just read your thread, so glad you did not give up i bet so many have, u will soon have your 4500 pounds back.

Good luck

Regards

adamski

 

 

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That's a hell of alot of money - worth the small amount of stress eh?! Good on you for sticking in there.

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, 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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Best of luck Fiona, please keep the site posted with all the details of what happens. We are all in this together, and lots of people read the information on other's threads, and gain confidence and knowledge. Not everyone will be in a position to reply, but everyone is behind you!! Glad you went for it!:wink:

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Blimey, how did I miss this one?

 

Well done for sticking it out Fiona. Remember, we're here for you - although we might be a bit busy and slow to reply on occasion ;)

 

If you need help urgently, you can always of course PM a frequent poster or one of the mods - most of us hang around the site like a bad smell these days, and you're sure to get a response ASAP :)

 

Atta girl!

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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  • 2 weeks later...

Just to keep you guys updated I have recived Lloyds/Tsb defence and my court questionaire today.

 

I have a few questions about it as was wondering if somone could help me.

 

D Witness - I think I should put 0 Can someone confirm

 

E Experts - I assume i put no, on this - Can someone confirm

 

 

Thanks

 

FW

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