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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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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.

      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
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NATWEST and DATA PROTECTION ACT COMPLIANCE - READ THIS


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I've already sent in the first letter 2 weeks ago, with the £10 payment attached to it , Today I've received a letter back asking for another £5.00 & that the 40 days will start when they received it is this a con,

 

 

cheers

I PAID THE EXTRA FIVER & I'VE RECIEVED THE STATMENTS TODAY 2ND JUNE 07

WELL WORTH THE FIVER I'LL JUST CLAIM IT BACK

 

POSTING THE CHARGE REQUEST TODAY, So I'll let you know what comes of it

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Issued S.A.R. in Jan 07 and TODAY I received my statements from NatWest covering the period 1994 to 1998 !

 

Excellent, make sure you post your news on any nastywest T & C forums, so other peeps will find out that it can be done, Also dont forget to start new thread when you start your clam.

Good Luck

 

CM

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HSBC personal claim 1 ''WON''.

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Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

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  • 2 weeks later...
I PAID THE EXTRA FIVER & I'VE RECIEVED THE STATMENTS TODAY 2ND JUNE 07

WELL WORTH THE FIVER I'LL JUST CLAIM IT BACK

 

POSTING THE CHARGE REQUEST TODAY, So I'll let you know what comes of it

 

just recieved another letter from natwest saying they hope to sort things out in 6 to 7 weeks (no chance)

I've sent another letter today stating that the 14 days is up on monday & if I have to go to court I'll be claiming the interest on the charges too,

will let you know what happens

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just recieved another letter from NatWest saying they hope to sort things out in 6 to 7 weeks (no chance)
I've sent another letter today stating that the 14 days is up on monday & if I have to go to court I'll be claiming the interest on the charges too,
will let you know what happens

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help please

I seem to have a slightly different tale sent off for my bank statements some arrived but only went back to 2002 this was back in April sent a letter telling them which statements were missing and giving them 7 days to send the rest the 7 days are up and still no more bank statemetns what do I do? :confused:

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conni, I am sure experience natwesters will know what I will say but I can guess the info was from October 2002 to present? (I did say I was good).

I know why and someone has made an error in ordering statements.

I came I saw I helped. I could do no more.

 

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Guest peed orf
help please

 

I seem to have a slightly different tale sent off for my bank statements some arrived but only went back to 2002 this was back in April sent a letter telling them which statements were missing and giving them 7 days to send the rest the 7 days are up and still no more bank statemetns what do I do? :confused:

 

Nat West changed the computers in October 2002, the rest of you statements will follow, just take a little bit longer.

If you wish to follow up on it, phone Regulatory Compliance....Direct Line 0131 626 1165.

No need to be snotty with them they're nice people!

 

 

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  • 2 weeks later...

Well I sent another letter demanding full payment before 14-july or I would be going to court & claiming the interest too ( i calculated the interest) so they new how much extra it would cost , got a letter back in two days offering the full refund without admitting any wrong doing on there part(who cares) I got just short of £1700 thanks to this site,

as soon as i get it I'll be donating some to this site,

 

many thanks

 

ps. don't let them dictate the pace respond & demand & record all your letters:D

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  • 2 months later...

hi every1 well same has u guyz my bank keep charging me unecessary bounced direct debit, now i told my bank which is natwest that i need un over draft limit, so when ever i aint got enough money at that precise moment atleast my direct debit wouldnt bounce , now they said no i cant have over draft limit coz my poor credit history, and this is how they make this money,

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  • 4 weeks later...

Ref your post about banks charges from Natwest.

I have received my copies statements dating back to 2001 promptly. And after highlighting the questionable bank charges etc and sent back. Have been sent an automated letter from Natwest regarding this. Due to the legal battle which is still ongoing with "The Office of Fair Trading", in relation to bank charges. My complaint has been registered but I have been told to retain my banking records. Does this mean I can go know further until notice.

This letter also quoted website, NatWest - Test case - Overdraft Charges - Update, to check the progress.

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  • 6 months later...

They also seem strangely reluctant to part with any manual intervention sheets/notes.... I would press them on this that they haven't fulfilled your request without included these.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Hi, I am going to offer Natwest a full and final settlement, do they accept these? I am currently paying them £1 per month, when I first went to arrears and got in touch with CAB, my overdraft was at £750, however, this has now gone up to £1175!! It seems that when I have sent the £1 late (I send it by postal order), they have been charging me each time, I guess it's been about £30 each time, I am not sure, I would have to get all the paperwork out and check, this is so unfair, I was thinking about offering them £200 out of the lump sum that Ive got (bearing in mind that the original outstanding debt was £750), has anybody else offered Nastywest a full and final settlement? Any help would be appreciated as I am just so stressed about the whole thing, Thanks :Cry:

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