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    • ok well BH aren't known for being nasty etc, they are lloyd a mainstream bank. not like moneybarn motonova etc etc. that cab be very nasty. does she want to keep the car? but its just going to be if truthful there is no chance of being able to pay for it realistically going forward and ofcourse use = running costs too? the cheapest option here is going to be VT (has to write) whereby she will only owe to the 50% mark detailed on the back of their agreement. and as its BH i suspect once that is done and dusted , will most probably be persuaded to accept even lower payments. your thoughts dx    
    • I have now seen her credit file. It only really shows the car loan and the car insurance. I guess this means she can't claim they didn't do affordability checks so what would be advice as to her next step? Thanks in advance Billy
    • could you please also fill this out. and scan up to one mass pdf both sides of every letter she can find/has  
    • please note corrected defence filing date .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.
    • Thanks DX, required info as follows.   Which Court have you received the claim from ? MCOL Northampton Name of the Claimant :  Parking Eye Ltd       Claimants Solicitors: DCB Legal Ltd Date of issue – 20th March 2024 Date for AOS - Today, 13 April 2024 Date to submit Defence - 19th April 2024 What is the claim for – 1. The Defendant (D) is indebted to the Claimant (C) for a parking charge(s)issued to vehicle ******* at Lake Street Leighton Buzzard. 2. The PCN(s) were issued on 03/12/2021 3.The defendant is pursued as the driver of the vehicle for breach of the terms on the signs (the contract). Reason: Vehicle Remained On Private Property In Breach Of The Prominently Displayed Terms And Conditions. 4. In the alternative the defendant is pursued as the keeper pursuant to POFA 2012, Schedule 4. AND THE CLAIMANT CLAIMS 1. £170 being the total of the PCN(s) and damages. 2. Interest at a rate of 8% per annum pursuant to s.69 of the County Courts Act 1984 from the date hereof at a daily rate of £0.3 until judgement or sooner payment. 3. Costs and court fees. What is the value of the claim? Amount Claimed £202 court fees £35 legal rep fees £50 Total Amount £287 Have you moved since the issuance of the PCN? No Did you receive a letter of Claim With A reply Pack wanting I&E etc about 1mth before the claimform? No
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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.

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      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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Select Platinum Natwest Account

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Can someone tell me if Natwest still charge you to have mobile phone, travel insurance and breakdown cover on their Select Platinum Natwest Account for new customers?



I've been a customer for years (formerly Advantage Gold) and I'm still paying £16 for these insurance and breakdown cover.



I've never wanted the mobile phone insurance as my phones aren't that expensive.

I've used the travel insurance once in about 20 yrs but I have used the breakdown cover a few times.


I use online banking and I cannot see any information on how much the package will be or does it mean you will get these benefits for free if you open this account?

I don't want to be paying for these benefits if new customers don't have to.


Thank you in anticipation.

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Looks like it could be £19 a month now, I'm not sure I'm looking at the correct accounts, there's a list here...




Don't know if you've thought about downgrading.

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