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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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    • 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
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Schoolholidays v Nationwide ***WON***


Schoolholidays
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Hi Schoolholidays!

Is it not a tad too soon in your daughter's Claim to be submitting a LBA???

If U have ALL the statements for the period of charges that U will be claiming for then fine.

...If NOT send of the £10 S.A.R Letter.

Then after working out ALL the unlawful Charges and any Associated Interest charged send your Preliminary Letter (enclosing a copy of the spreadsheet of the charges etc)

Next comes the LBA.

...Finally, the Filing @ Court Stage!

Hope this helps simplify the well tried & trodden Claiming proceedure for U?!...:)

P.S. Also check out Daily Compounded Unauthorised O/D Contractual Interest

...Which must be Claimed @ the Preliminary Letter stage + onwards!...:)

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  • 2 weeks later...
Can anyone tell me if we are we supposed to reply to this or still take the next stage if we do not receive a reply to the LBA within 14 days from that being received by them. I assume this is delaying tactics. Both letters have come from different addresses.

 

Thanks for any help

U can if U wish, take the Nationwide's advice and make an official complaint. Many people have already done so previously.

 

However...

 

Don't become deflected from the main issue of what U have set out to personally achieve!

Once U have sent the Preliminary Letter, Nationwide (...or any other Bank for that matter!) are obliged to follow YOUR timescales...NOT invent their own!!!

Read through the following Thread link and judge for yourself what U think U should do next:

http://www.consumeractiongroup.co.uk/forum/nationwide/56885-nationwide-defending-after-partially.html

 

 

Hope this helps U focus?!

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  • 2 weeks later...

Hello again Schoolholidays!

 

Firstly...and this is very important...

Inform your daughter that she is adopted...then try to sell her on e-Bay!...lol...:D

 

Then if U haven't already done so...and so as there is NO MORE hidden statements...start with applying for her S.A.R.

 

Unfortunately the more people tend to rush into the Re-claiming process, the bigger the hole they have to dig themselves out of and the longer it takes for them to get their own money back!

 

If there was a short-cut U would have heard of it by now, I'm quite sure of that.

The whole process can take approx 3 months from start to finish.

 

Just keep things simple and enclose a seperate appology letter with the Template PL.

 

...and don't forget to Claim Contractual Interest @ 24.9% APR at the PL stage either...it can double/treble the amount to be Claimed, depending on when the unlawful Charges were 1st debited.

 

Mindzai has updated his spreadsheet to V1.9...Here's a link to it:

 

http://www.consumeractiongroup.co.uk/forum/general/51736-excel-contractual-interest-spreadsheet-4.html?highlight=Mindzai

 

 

 

 

Hope the above has helped?!

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  • 2 weeks later...

Hi Schoolholidays!

I need daughter to keep sorting computer out.
No U don't!

...The ON/OFF switch is located on the wall, next to the plug.

Just trace the lead coming out of the back of your PC...until your head hurts!...rofl...:D

 

 

 

Seriously...
Sure I was only joking?...lol...:-)

 

 

 

 

...I have taken your advice and applied for S.A.R. on her behalf, so waiting for reply now...
They have a max 40 days to get it to U.

I don't envisage an problems, but use the time to check out Non-Compliance of your Data Request...just in case!...;-)

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  • 4 months later...
I understand my daughter...hasn't been able to look at the account on line to see what the balance is.
Tell her to go into her local Nationwide Branch (...with 2 of the usual forms of ID) + ask what her balance is!!!...:rolleyes::)

 

 

 

Have to admit to feeling nervous as to what will happen next and what we will receive next.
If U have followed ALL the recommended advice...

 

1/ The 28 deadline for the Filing of Nationwide's Defence will come + go.

2/ U will panic.

3/ U will post asking what to do next.

4/ U will panic.

5/ U will also wonder whether U can file for 'Judgement by Default'.

6/ U will panic.

7/U will be told to wait a few days.

8/ U will panic.

9/ U will be told to tell your daughter to go into her local Nationwide branch daily + check her Flexaccount balance.

10/ U will panic.

11/ U will post asking what to do next again.

12/ U will panic.

13/ U will be told to just keep waiting for a few days.

14/ U will panic.

15/ U will NOT be able to contact your daughter for some reason or other.

16/ U will panic.

17/ U WILL post + say that Nationwide have paid some, but NOT all the money that U have Claimed on behalf of your daughter.

18/ U will panic.

19/ U will be told to wait for a few days more.

20/ U will panic.

21/ U will post + say that everything that U have Claimed has NOW been paid!

22/ U will be told to inform the Court that your Claim has been Settled in FULL + to PM a MOD/Site Helper to have this Thread moved to the Nationwide Sucesses...;)

 

Of course...I MAY be wrong though!...:o :p

 

 

 

...good luck
???...Why do I need 'good luck'???...lol...:D
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Go to the CAG Forum Home Page.

Scroll down, until U see a list of names of Members who are currently online.

The green ones are MODS/pink ones are Site Helpers.

Click on whichever one U want to.

Their Personal Profile will appear.

To the right, there will be a link for sending them a PM.

The rest of the process is just like 'Posting.'

 

A small word of caution...

 

UNTIL your daughter actually sees her balance for herself + that ALL the Charges (...+ Interest + Costs) that U have Claimed has been Refunded, DON'T inform the Court that your Claim has been Settled in FULL.

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...Thank you MilkTrayMan for you help and support - and patience, we would never have done it without you.
...:oops: :oops: :oops:

 

 

 

Daughter is very grateful too. Thank you
I STILL think the E-bay idea was/is a good one!!!...lol...:D:p

 

 

 

 

...The banks really are fools aren't they. It would have cost them a lot less if they had just paid the first amount we requested. They would have saved solicitors costs, court cost and interest.
Claimants stop proceeding with their Claim/get confused/make mistakes/accept partial payments at EVERY stage.

Banks just play the percentages, by taking Claims all the way to the wire!...;)

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