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    • Further, i contacted the Torbay Planning Department by telephone and email and they did an investigation for me going back to 1991 and they emailed me back staying there is NO APPLICATION OR GRANTED PERMISSION FOR ANYONE (Land owner or Leese) TO ERECT ANPR OR SIGNAGE FOR ENFORCEMENT OR FOR ANY REASON IN THE CROSSWAYS CAR PARK. So i really hope that helps someone else.     
    • Vehicle was hit today. Really annoying.   A supermarket van had illegally parked on double yellow lines to deliver its crate of food. The lines were on a main road to the corner of a small street.   My car came out of the small street very slowly - like 1-2mph.    The main road had a build up of traffic.  The large van had blocked any ability to see to the left and if any traffic was coming from the left.    So I just had to drive super slow.   As my car started to edge left into the main road a car came fast from the left (on the opposite side of the road - but it was over the centre line)  My car stopped to avoid the fast car - which was fine; nothing happened.  But all of a sudden my car and the van were "attached". I don't know how it really happened.   As I was turning I had had enough space to turn without hitting the van; yet suddenly the rear square-end (and sharp) bumper of the van was embedded in the passenger side of my car. No damage at all to the van.    But the van took a gouge out of the car - at the joint of the passenger door and rear side panel.   The only possible explanation is that the van started to reverse across the exit of the small road at the same time as I was exiting and the driver just didn't see my car.  This is the only way the two can have hit.  I have good spatial awareness and I would not have misjudged the space. No-one was hurt; the van is fine; my car needs to be mended.   So where does the guilt lie?     The van parked illegally on double yellow lines obstructing line of vision and vehicle safe exit from a road?  The van reversing without looking?    Or mine?    The driver immediately said I was to blame.   I took photos of the van reg and how it was parked. It was minor but I was stressed and a bit emotional as it is the first "accident" I have had...    I didn't take the driver's details nor did I give mine. The driver asked me to delete the photos.  I refused. Then I drove off.   Shall I get a quote for the repairs?    Is it worth contacting the insurance?    Will they apportion the blame?    I've never made a car insurance claim.    
    • Yes I have seen other posts on here relating to them. I know that they do take people to court even when it seems they know they will lose. My question would be without a ticket what proof dose SWIM have and what case can SWIM make to defend themselves.    Presumably the Courts in Devon must be tired of having to deal with PPS cases?
    • hoho we know it very well   https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=Crossway Centre Paignton&oq=Crossway Centre Paignton&gs_l=partner-generic.12...17467.17467.0.19981.1.1.0.0.0.0.77.77.1.1.0.gsnos%2Cn%3D13...0.0...2.34.partner-generic..1.0.0.inibz-lzog0
    • Company is Premier Parking Solutions    Crossway Centre Paignton   SWIM deff entered reg correctly but the machines and car park as a whole are in a seriously bad state.   
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies
reallystuck

really stuck v bank of scotland scared now

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:o well 2 days to go till i fill out claim form for courts really scared now as am not to sure how to fill them out (am really stupid) faxed them last night with letter saying no to their lates offer, but do i ring them again or do i just go ahead with court?:o

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:o well 2 days to go till i fill out claim form for courts really scared now as am not to sure how to fill them out (am really stupid) faxed them last night with letter saying no to their lates offer, but do i ring them again or do i just go ahead with court?:o

just go ahead and fill in the court papers.

 

Are you claiming in Scotland or England?


If I have helped click my scales....

 

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got name for bos , jeannette gildea redress assessor core business team customer relations same address and fax no as as 7giverchy given but she was the one that sign my letter.

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If you dont know how to fill in the claims forms then you should wait until you do !!

If you are filing online then its fairly straightforward.

Paste the claim partics frothe temps library.

Make sure you fill in the account details

also add your interest calcs.

The spreadsheet or charges schedule go sep by post.

If you are filing on N1 to your local court read the accompanying notes.

The same applies to the claims partics.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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hi can someone give me the correct address to send the court papers to bos as the one i have is in scotland and moneyclaim bit says it has to be in england please help

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here is the one I used but I issued it by post.

 

Halifax Bank Of Scotland (HBOS)

Customer Relations

PO Box 548

Leeds

LS1 1WU


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i have an address but dont know if it is right one

PO BOX 9901

NEW STREET

BIRMINGHAM

B2 4BW

It is the one I was going to use.

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here is the one I used but I issued it by post.

 

Halifax Bank Of Scotland (HBOS)

Customer Relations

PO Box 548

Leeds

LS1 1WU

I have used this one for my prelim and LBA but the replies came from a Dunfermline address.


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:) Thanks I Just Used The Leeds One ,well Thats It In Now So Hopefully I Wont Have Long To Wait I Know I Have To Send Bank Another Copy Of Charges But Do I Have To Send Anything Eles Soory For Being A Pain:???:

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:) Thanks I Just Used The Leeds One ,well Thats It In Now So Hopefully I Wont Have Long To Wait I Know I Have To Send Bank Another Copy Of Charges But Do I Have To Send Anything Eles Soory For Being A Pain:???:

I think you have to send a copy of your charges spreadsheet by post. I can't use moneyclaim (I am in Scotland) so don't know exactly. Sure someone else can confirm.

I am guessing that the moneyclaim system should have told you this somewhere.


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will use the leeds address only so #I can use mcol from what I have read results seem to be much faster this way. hope so.

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:confused: hi sorry to be a pain, got notice of issue from court but not sure what i do now doesnt say to send any more info i filled in form on internet please help dont want to mess up:confused:

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sorry cant help you on this one maybe look in the faq section?

I have not got that far yet.

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summary cause is specific to scotland dont think you will find that wording on an mcol form as that is an english thing


bos~ Data Protection Act sent

~ statements received

~ owed £1766.82

~ prelim letter sent 30/08/2006:D

~lba handed in 14/09/2006

bos Data Protection Act sent

~ statements received

~ owed £1217.86

~ prelim letter sent 30/08/2006:D

~lba handed in 14/09/2006

court date issued of the 17th november

27th oct full offer totalling everything including 8% interest court costs and £10 dpa sar..... one down next to go.

 

rbs~ Data Protection Act sent off 21/09/2006:mad:

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Hi Reallystuck

 

I did my claim using an N1 through the local court. They sent me the notice of issue, then about a week later I had a letter from my bank saying they were in receipt of my claim number. Then the court sent me a letter to say that the bank had acknowledged the claim (dated) and were preparing a defence, they had 28 days to do this from the date of acknowledgment.

 

I hope this helps, listen when you are really stuck, bite the bullet and pick up the phone, phone the online claim people they are there to help you, dont forget you have paid them for this service.

 

wishing you luck Eyespy xx;-)


.

.

.

Sign the Phil Whitmore petition: http://petitions.pm.gov.uk/PAYUSBACK/ :)

 

 

Abbey Current Account claim for charges £1307.11

 

26/01/07 Awaiting court date

25/01/07 Courts lost my file!! Said it will be sorted soon

23/11/06 Defence recieved from Abbey

20/11/06 Statements a full 6 years received

16/11/06 AQ completed & submitted

30/11/06 Claim number 6SQ06250 recieved from courts

24/10/06 Claim submitted to courts x3 copies

21/08/06 Prelim letter asking for it back, sent to Pam Speed. 14 days up 05/09/06.

21/08/06 Data Protection Act non compliance letter sent. 7 days up 29/08/06

11/07/06 Reply to Pam Speed Data Protection Act fob off letter.

10/07/06 Data Protection Act fob off letter received from Abbey. dated 06/07/06.

29/06/06 Data Protection Act statement request sent

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Hi,

 

I have done two claims now, RBOS were a pain in the ass but follow the process and you will get there. I received a full defence notication from their Solicitors Cobbetts with demands for information etc. I replied using the advice from here and just got an offer letter today - I have them now. Keep going and good luck.

 

Jimbos


__________________

HSBC £3829.00 Prelim letter sent 17/7/06 :wink:

£1996.00 Offered 9/8/06 :rolleyes: .. See you in Court!

MCOL Filed 15/08/06 :)

DG response asking for info 8/9/06

 

RBOS S.A.R - (Subject Access Request) sent 12/07/06 :cool:

Prelim letter sent 29/8/06 £2552 requested!!!

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:-) thanks for getting back to me i just wasnt sure if i had to send them or the bank any more info :-)

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hi all well got letter today fom the bank saying (as a gesture of good will we offered you £xxxxxx which you do not wish to accept. i confirm that we will not refund all the charges that you have incurred on your account since opening your account. i must also stress that furture charges will stand and we reserve the right to close your account if you do not manage it correctly . if you remain unhappy you can refer it to the ombudsman but it has to be within 6 months of our prevous letter.) 1 i did accept their offer but as part payment so i take it that they are not going to give it to me now.their letter is dated 21 november, i issued court claim on 17 november so do i just ignore their letter or do i fax them saying i did accept their offer but only as part payment sorry to be a pain but i dont want to mess it up thanks

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i had exactly the same letter a few weeks ago. i too had already issued a court claim return date 13th december. it didn't mention anthing in my letter about court claim so i wrote them a letter rejecting offer but accepting only as partial payment of full amount, explaining i would carry on with my claim until i received all money and interest due plus costs.


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:) well one week to go beore the court deadline,hopefully i will get a nice letter tomorrow, do they normally wait till the last ? going after halifax visa next:)

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