Jump to content


  • Tweets

  • Posts

    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
  • 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 
        • 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

PM Vs Bank of Ireland


pmcmurrough
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1925 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

Please

Start your own new thread

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

 

Thanks

Recommended Posts

  • Replies 140
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

i had the same situation with first trust and was informed by the court that

1 they have until midnight on the reply date and this can be done by fax

 

2 the court can have a backlog of disputes to be logged onto their system. the court rules say that they have 5 working days to clear any backlog

 

3 their is also something about a return date on a weekend, they will accept first post on monday

 

i applied for a default decree, and the dispute was on 2 days later. my default application was returned

Link to post
Share on other sites

Well big surprise, just received a letter from the courts today saying that it has been disputed by the Bank of Ireland and that the hearing will be on 5th January 2007 at the local courthouse.

 

So any advice from anyone who has been to court against them would be welcomed. Do they actually get to court or settle outside it?

 

or any advice from anyone who has been to court against any bank and won............... It would be greatle appreciated.

 

In the same post today, I've just received a cheque from Capital One for £1122.12 who settled outside court, and last month received £702 from Abbey who also disputed but settled outside at the last minute. Why can't the bank of ireland follow suite? Surely the same rules apply?

 

Thanks

Link to post
Share on other sites

Well big surprise, just received a letter from the courts today saying that it has been disputed by the Bank of Ireland and that the hearing will be on 5th January 2007 at the local courthouse.

 

So any advice from anyone who has been to court against them would be welcomed. Do they actually get to court or settle outside it?

 

or any advice from anyone who has been to court against any bank and won............... It would be greatle appreciated.

 

In the same post today, I've just received a cheque from Capital One for £1122.12 who settled outside court, and last month received £702 from Abbey who also disputed but settled outside at the last minute. Why can't the bank of ireland follow suite? Surely the same rules apply?

 

Thanks

 

I'm sure they will adjourn it. Mine has been adjourned until 16 April, and BOI have to have all papers filed by 1 April. PMcMurrough is also going same day as me - he was adjourned as well. Let me know how you get on, if they don't show up or they settle it will help my case. They offered me a settlement of one quarter of what I was suing for, which is 600, needless to say I told them to get lost.

Link to post
Share on other sites

Well big surprise, just received a letter from the courts today saying that it has been disputed by the Bank of Ireland and that the hearing will be on 5th January 2007 at the local courthouse.

 

So any advice from anyone who has been to court against them would be welcomed. Do they actually get to court or settle outside it?

 

or any advice from anyone who has been to court against any bank and won............... It would be greatle appreciated.

 

In the same post today, I've just received a cheque from Capital One for £1122.12 who settled outside court, and last month received £702 from Abbey who also disputed but settled outside at the last minute. Why can't the bank of ireland follow suite? Surely the same rules apply?

 

Thanks

 

Sorry, also if you go to the NI consumer council website they can help, their address is : General Consumer Council for Northern Ireland : Homepage Consumer Advice, Information, help from the Consumer Council in Northern Ireland and try to speak to Alison Laird - she was very helpful at giving me hints and letters to write, useful snippets of information and she even went to court with me on the day. Hope this helps!! Good luck

Link to post
Share on other sites

Good luck with your case, I am very interested to see how it turns out. I really can't see how BOI intends to back their charges up though. Give em hell!

Northern Bank Ltd.

19/08/06 - Data Protection Letter Request.

26/09/06 - Statements received (October 1999 - September 2006).

13/10/06 - Letter requesting refund of £643 charges sent.

30/10/06 - Letter Before Action sent.

13/11/06 - Refund of £224 Offered. Offer Refused.

11/12/06 - Court Claim filed against NB.

21/12/06 - SETTLED IN FULL - £784.36.

Link to post
Share on other sites

Good luck. I too have claimed against them and have the first date set in magherafelt courthouse on 5-01-07.

 

They are likely to ask for an adjournment like they have with you, and so if my judge refuses it (unlikely I know) I will let you know.

 

If they settle in full (unlikely) I will also let you know........

Link to post
Share on other sites

I think you are in a good position to ask the Judge to reject any additional attempts by BoI for a delay, the tactic is to state you are being seriously disadvantaged by their continuing ploys to escape meeting you in court, and to ask the judge that any extension the court feels fit to allow the defender, should be the last.

Link to post
Share on other sites

Is there a link available explaining the law in NI?

Or can someone explain can we only claim back for the last 6 years or is there a different time limit in NI? Also can you make two claims against one bank (BOI) if your charges have exceeded £2000?

Any help greatly appreciated.

 

Garbage

Link to post
Share on other sites

A good guide is the Courts website: Northern Ireland Court Service

 

I think the statute of limitations is 5 years, but it may have changed. As for 'splitting' your claim, there is an argument that your first claim will be settled as 'full and final' effectively barring your from a similar action for the same complaint. Since you heg the higher costs back if you take the correct track, there's little point painting yoiurself into a corner!

  • Haha 1
Link to post
Share on other sites

Yes, if they settle your action without going to court, any payment they make invariably require 3 things, 1) No liability, 2) No Disclosure and 3) Settlement is in full and final of all claims. You can certainly sue them for a different matter, but if it is again for charges with a different date range, they'll try (and probably succeed) in getting the action dismissed.

Link to post
Share on other sites

  • 3 months later...
Yes, if they settle your action without going to court, any payment they make invariably require 3 things, 1) No liability, 2) No Disclosure and 3) Settlement is in full and final of all claims. You can certainly sue them for a different matter, but if it is again for charges with a different date range, they'll try (and probably succeed) in getting the action dismissed.

 

The abbey have settled two claims out of court for me that i split in two from the same bank account. I knew there was a risk but pursued it anyway, and I am glad because it paid off!

Link to post
Share on other sites

hi guys, just wondering if the BOI has come up with the good yet in that they have submitted the 'full disclosure' evidence as ordered by the Judge for the 1st of April, they'll have to get it in soon if they have anything that is.

 

oh and did you see the OFT have now put back the bank charges report to 'the end of the year'!!!!! The Office of Fair Trading: OFT announces 'quick fix' on bank charges will disadvantage consumers

Link to post
Share on other sites

  • 2 weeks later...

hey there just wanted to wish you good luck for Monday :)

I am waiting on three statements only, due to arrive within the next 3 days - so will be reading your thread again very carefully befoe I start going through the motions to get my charges back

 

Wonder if u'll have to sign a confidentiallity agreement:confused:

Link to post
Share on other sites

i just called the solicitor representing first trust next week. he intends making an application to delay the case until the oft report. he asked me if i would oppose such a motion. it told him about this case and that i expected it would be heard on monday and i would use the outcome to decide if i would oppose the motion but i expect to wim and 8% interest will accrue all the time it is delayed. he told me he is very familiar with the BOI case on monday and that they are watching too to see what happens.

Link to post
Share on other sites

Quick Update:

The BOI as expected asked for an adjournment pending the delayed OFT report. I objected of course, (that would have brought my case to 2 years in court), the judge however seemed set on hearing the case today and so rejected the request for adjournment. We took a 15 minute break during which the bank's solicitor phoned for instructions. She was instructed not to defend the claim. They settled in full. There were no conditions so I accepted.

One interesting thing came up during the the adjournment agruement. The judge asked the solicitor if the bank used default charges to subsidise other parts of the business. She admitted that they did. This was something I wanted to press during the actual trial but of course never got the chance. But I feel that this amounts to an admission that the charges are profit making.

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1925 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

Please

Start your own new thread

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

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...