Jump to content


  • Tweets

  • Posts

    • more detest the insurrectional ex variety dx
    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (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; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
  • Recommended Topics

  • 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
  • Recommended Topics

bennett v abbey


bennett01
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6347 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

Hi All

Posted final letter to Abbey on 17/10/06 requesting full setlment of all bank charges. awaiting their responce+just received information pack from court and will today fill in just in case. :-o:rolleyes:

 

Bank Charges

Direct Debit Charges £1600

Interest inccured Charges £400

Interest Charge for Being overdrawn £460

Link to post
Share on other sites

  • Replies 69
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi Bennett, welcome to the family.

 

Please start your own thread in the Abbey forum....

 

Click on this link............

 

Call it "Bennett v Abbey" or something like that so that you can find it easily.

Post any questions and progress reports there.

 

Good luck with your claim.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

-------------------------------------------------------

LOOK! Free CAG Toolbar.

Follow link for more information.

 

------------------------------------------------------

Please donate,

Help us to help others.

 

 

LINKS....

 

Forum Rules.

FAQs....

Link to post
Share on other sites

Sent final letter 1 week ago given 7 days to here from them but sadly there not contacting me. sent letter to Bradford but when i call re-directed to indie has anyone the phone number for this?also after looking at all my statements they owe me more than i first thought

 

 

 

Bennett v Abbey ONGOING :p

charges for being overdrawn £210

Interest on being overdrawn £339.69

Direct Debit Charges £1414

Link to post
Share on other sites

Contact info for Abbey is here.

 

Good luck!!

HSBC

7th October 2006 - Prelim for £3078

24th October - LBA

7th November - Claim filed

11th November - Acknowledged with intent to defend

11th December - Defence filed

16th December 2006 - Offered full amount but no default removal. Rejection letter sent.

 

Halifax

7th October 2006 - Prelim for £3427

24th October - LBA

3rd November - Offered £913

3rd November - Accepted as partial payment

7th November - Claim issued

21st November - Acknowledged with intent to defend

11th December - Offered full amount but no late payment removal

4th January - SETTLED + removed adverse credit info

 

A & L

19th October - Prelim for £540

26th October - Offered £358

2nd November - Accepted as partial payment and LBA

27th November - SETTLED + removed adverse credit info

Link to post
Share on other sites

Just recieved reply today taken them 7 days. in short

we are sorry we have not been able to resolve your concernce one of our team will look at all relevent facts review any paperwork and talk to the people involved so that they fully understand the problem. it is important that we resolve your complaint quickly a thorough investigation and this can take time IE 4 weeks. after all the complaints they have recieved you would think they would understand plain english (GIVE BACK WHAT IS NOT YOURS). do i give them the time or go directly to court. the letter sent was the 3 letter in responce to their first 2 letters.

 

 

Bennett v Abbey Ongoing

Link to post
Share on other sites

From the FAQs:

 

 

Q. Do I have to send a letter before action?

 

A. Yes, you should give the bank written notice that you will be suing them.

 

From the step by step guide:

 

(4)

 

If you are not offered a FULL refund then proceed to the Letter Before Action (LBA) in the library.

 

However do make sure that you understand that there is a possibility that the Bank may decide to defend and that you may have to present your case to a judge in a Small Claims Court. This is very rare, but you should be aware of the possibility.

 

If you have to issue a court claim, the spreadsheet mentioned earlier will also calculate interest at 8% as allowed by s.69 the County Courts Act (1984) and which you will add to your claim at that point. NOTE: you do not claim the 8% unless you put in a court claim.

 

From the Bank Template Library:

 

3. Letter before action - Consumer version - asking for it back

Link to post
Share on other sites

Sent LBA 17/10/06 recieved letter from them 7 day later. comments we are investigating your complaint but would take 4 weeks.

Second letter recieved today comments we are sorry for the delay and thank you for your continued patience.(7 more days then my patience will be court action. and also today,a further letter they have stopped all direct debits to my accounts(I Cancelled all these 3 weeks ago and also moved my wages to my a Another bank) they also say this account will be cancelled until i pay my overdraft of £700 +£183.32 from last months charges(I phoned them only last week to arrange payment that i can afford off the overdraft not the charges but they said I can not pay anything off this untill I pay the charges first and until i do, the will continue to place further charges at the unauthorised rate + Interest. and also return all cards in 7 days or further action will be taken IE send a feil agent further cost £45 +VAT PLUS their intention to register a default to a collections agency for full recovery of the Debt. there getting tuff but i will continue my fight.

Link to post
Share on other sites

Sent LBA 17/10/06 recieved letter from them 7 day later. comments we are investigating your complaint but would take 4 weeks.

Second letter recieved today comments we are sorry for the delay and thank you for your continued patience.(7 more days then my patience will be court action. and also today,a further letter they have stopped all direct debits to my accounts(I Cancelled all these 3 weeks ago and also moved my wages to my a Another bank) they also say this account will be cancelled until i pay my overdraft of £700 +£183.32 from last months charges(I phoned them only last week to arrange payment that i can afford off the overdraft not the charges but they said I can not pay anything off this untill I pay the charges first and until i do, the will continue to place further charges at the unauthorised rate + Interest. and also return all cards in 7 days or further action will be taken IE send a feild agent further cost £45 +VAT PLUS their intention to register a default to a collections agency for full recovery of the Debt. there getting tuff but i will continue my fight.

Link to post
Share on other sites

Hi bennet,

You seem to have 2 threads going, both with the same content. Ask someone if they can either merge them for you or how to delete one of them.

Prelim request letter sent 19/10/06

Reply from complaints Dept received 01/11/06

GOGW received 11/11/06 for £210

Link to post
Share on other sites

HI

As you have started the process of reclaiming the charges you should write to Shabbey and say that the account is in dispute and therefore they should refrain from adding further charges until the dispute is resolved.

Hope this helps

 

Thank you but have tried this over the phone. They said that it a seperate issue but if successfull in my claim i will be paid this back. in the meantime they said i will have to pay and still gain further charges.

Link to post
Share on other sites

Hi

Get your money claim in and add all the charges up until day you enter the claim. WRITE to Abbey and inform them of your pending court case and that this puts the overdraft amount into dispute and that they should refrain from adding further charges until resolved.

This shoulkd work but if not keep track of anymore charges that they add and either asked them to be refunded as well when you get to the settlement stage or just start a second claim for any new ones.

Once they know you mean business by issueing court claim they should stop.

Link to post
Share on other sites

Hi

Get your money claim in and add all the charges up until day you enter the claim. WRITE to Abbey and inform them of your pending court case and that this puts the overdraft amount into dispute and that they should refrain from adding further charges until resolved.

This shoulkd work but if not keep track of anymore charges that they add and either asked them to be refunded as well when you get to the settlement stage or just start a second claim for any new ones.

Once they know you mean business by issueing court claim they should stop.

 

Thank you for your quick responce i will do this right now.

Link to post
Share on other sites

there at it again as said in a thread yesteday they have closed my account has to my overdraft £700 they will not accept the £40 pound per month they will only accept min of £75 I told them this is too much i am on low income. + the further charges of £183 +a further £230 both these are overdraft and interest om my £700 overdraft in one month IE Octobers. the person I spoke to was dan at the dept management dept Milton Keynes. however this chap said the only way around this is for my wages to go back in to the abbey and he would give me a £1.300 overdraft to pay off what I owe.and then each Month to pay off this one. thus reducing the interest each Month on this new one. but in the next sentence he said no this would not be posible because this would take 18 months to pay off and we only allow 3 months to pay any overdraft off.

I have also put my request to pay of the overdraft in righting and have sent this on friday yesterday. In the end he said the will contact Dept Management Councillor it is the only solution to my problem then I reminded him if it was not for this bank taking between £200 and somtimes £300 a month and every Month from my account

I would not be in this situation and only take home £200 per week. I have sent in my LBA on the 17/10/06 3 day to go before court action but I dont know were to go with the above.

Link to post
Share on other sites

  • 2 weeks later...
  • 3 weeks later...

please help Abbey has given refund of £555.00 week did check my account to see but what the crafty devils had done is paid this of the full balance overdraft at £700 +charges+interest came to £1.109.63. so they paid £555 of the full balance which in avect was their charges but then reducing the overdraft by only 153.25 so the mony that was pain in there so called refund was taken back in charges. could someone please explain to me if i have misunderstand there good will gesture. and they have taken my overdraft away but still say that i have £546 75 to pay of the overdraft and the charges and interest will continue on the £546.75 remaining. and after talking with them today and being a little obstinate i asked the question if you have taken the overdraft away then i dont owe money so the £546.75 is mine then of cause this person said you have gone over your overdraft so you still owe this money. my comment was please explain to me because my brain is not working, you have taken away my overdraft this no longer exist and dont have one so why do i owe this money.woman then said i can not talk to you if you continue to be obstinate. but all this time i was very polite

Link to post
Share on other sites

Hi all just received papers from court this morning abbey have acknowledge also did ring court to ask how long i have to wait before abbey have to send there defence in, have been informed by the 8 dec looking forward to what there defence will read.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...