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    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Though it would be Highview you would  pursue. DCBL are nonentities-on their best day,
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
    • Six months of conflict have also taken a heavy economic toll.View the full article
  • 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

Jayteebee Vs Halifax Bank **WON**


jayteebee
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Thanks

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Hello all,

 

I'm about to embark on recovering money owed within the last two months while I have been struggling a bit with money.

 

I have been into my local branch and asked about all these charges being made and how they can justify (for example an £8 unpaid DD charged at £28).

 

The branch manager blabbed on about reading condition of my account etc.. and that she could not refund the money.

 

So I need a little guidence...

 

1. I will send the Preliminary letter to the bank (do I send to my local or head office?)

 

2. After 14 days I will send the LBA letter.

 

3. To start court proceding I will need help on how to go about it.. I have read the faw's etc but I'm not sure where to go.

 

Please Help with my steps... Once I know precedence of actions I will be fine..

 

Thanks in advance..

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Hello all,

 

I'm about to embark on recovering money owed within the last two months while I have been struggling a bit with money.

 

I have been into my local branch and asked about all these charges being made and how they can justify (for example an £8 unpaid DD charged at £28).

 

The branch manager blabbed on about reading condition of my account etc.. and that she could not refund the money.

 

So I need a little guidence...

 

1. I will send the Preliminary letter to the bank (do I send to my local or head office?)

 

2. After 14 days I will send the LBA letter.

 

3. To start court proceding I will need help on how to go about it.. I have read the faw's etc but I'm not sure where to go.

 

Please Help with my steps... Once I know precedence of actions I will be fine..

 

Thanks in advance..

 

You can send the SAR to your branch.

yes send the LBA after 14 days

Read the step by step instructions for guidance on your whole claim and also read halifax threads.

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Send them to your local branch, you will be informed if they want any future correspondance to be sent to a different address.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Thanks very much for the help... I will keep you posted...

 

Just waiting for another "Penalty to come out tomorrow as inform through a letter last week then I will collect them all together and send the preliminary letter by friday.

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  • 3 months later...

Right, I have finally started the procedure. I sent for the statements and received them just over the 40 days limit. I have been through the statements and found charges. Do I also include "interest debited" Charges?

Please advise

Thanks

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Enter all the details into one of the spreadsheets

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

You are able to reclaim the proportion of interest debited which has been applied due to the unlawful charges, sounds complicated but if you enter all the relevant details into one of the spreadsheets it will do the calculations for you.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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hi im new to this but applied and sent second letter to my bank saying they had 14days untill i apply to the court, 14days has past 2day no letter from the bank do i leave it to the end of the week or just go for it as on limmited funds myself can you let me know as im dealling with halifax myself thank you

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  • 3 months later...

Hello, I really need some adice now.... I have started court proceding with MCOL and now have to wait until 17th July for the 5days action plus 14days required time before I can win by default.... I'm a bit worried now concerning what to do if I do end up going to court.... They may have a fancy talking lawyer and I'm just a humble person wanting my money back with no law background... I have downloaded the court bundle pack and have gathered all the information together. I also have read the pack but obviously it's way over my head... Please advise what I really need to know to win... Thanks

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Hey!

 

No probs.

 

It won't go to Court!

 

Believe me!

 

But if you are the 1:76,000,000,000,003 - then all the info is here in the forum.

 

Keep us informed!

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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  • 3 weeks later...

Hello all,

 

****WINNER****

 

Had a letter from the courts acknowledging the counter claim from the bank...

 

When I got home I had a letter from Halifax Customer Services saying they will pay the WHOLE ammount into my account within 5 days after which I will drop the claim....

 

I WON THE BANK...... YES!!!

 

MY ADVICE TO OTHERS......

 

STICK TO THE PROCEDURES...

BE PATIENT....

DON'T WORRY.....

 

AND YOU'LL WIN.....

 

Thanks to all for the help and advice.....

 

YES....YES.....YES.....

WINNER...................

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CONGRATULATIONS...!!!!

 

You got there in the end!!

 

Well done. Enjoy your money. :D :D

 

Dont forget to do the survey...

http://www.consumeractiongroup.co.uk/survey.php

 

And maybe a donation..??;)

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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