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    • 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.
    • 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!
    • Six months of conflict have also taken a heavy economic toll.View the full article
    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
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    • 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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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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Little angel v Natwest ** WON**


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Hello!

 

I'm a newbie on this excellent site and thought I'd chart my progress/success and hopefully will be able to get/give some advice along the way!

 

Sent off first letter on 27 November. Only received statements from 2001-2002 on 29 December. (Was amazed/shocked/embarrassed/angry to work out that just in a 15 month period, I had accrued £1300 in charges!!:shock: )

 

Rang Natwest today and spoke to a really nice guy who said he thought they had sent all statements out, but get the rest sent out immediately today with no charge. He also said I had overpaid £5 for my statements and would refund the £5!!:D Nice start, but we'll see!!

 

So, my journey has just begun but I am in it for the long haul!!

 

Looking forward to this!!

 

:p

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Hi have moved your post into the Natwest bank group seeing as you are on your way to the claim.

You should get help and support here from fellow NW claimants.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Don't forget to enter all the details of these charges into one of the spreadsheets, as this will act as your schedule which must be sent with letter.

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

Recieved letter today from Barclays, they will not forward my info from 2000-2003 other than statments, [i need notification of charges as the breakdown is necessary to calculate thier excess charges. Thier letter says Quote " Unfortunately, due to banks retention of documents policy we are only ableto provide you with a breakdown of charges for the last 3 years" etc etc. I have sent a firm written letter of this site requesting the rest of the info. Is this a new angle or another bull***t blag from this very co-operative bank.

 

help!!!

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I have certain items on statements from Nat West where the 'Service Fee' of £6.00 is charged at the end of each month (rising to £9, £10 then £12 over the years) which i'm ok about as it's a fee i agreed with, but then on the same date there's a UNARRGD BORROW FEE of £14.00 (rising to £20 then £28 over the years).

 

Can this UNARRGED BORROW FEE be claimed back?

 

It's further complicated by Nat West appearing to merge these 2 fees together under one banner of 'Charges' on latter statements. Do i just claim the portion less the 'Service Fee' i believe should be charged at that time?

WON £4000 v NAT WEST

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Yes you seem to have this part sussed out RobberBank, this link will help you determine which fees are for the advantage gold subscription.

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/27521-advantage-gold-unarranged-borrowing.html

 

Also, could you please start your own thread, as this is so littleangel can post her progress. Having your own thread will mean you can do the same. :D

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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Should have mentioned that i was littleangels partner! She does all the spending , i do all the clearing up afterwards.....and the brain dumbing working out and spreadsheeting!:rolleyes:

 

I'd have to add that most of the, erm, 'spending' was made before we were together.........it just needed a firm hand since! :eek:

WON £4000 v NAT WEST

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Contractual Interest.....now i'm confused.

 

Using the link to the Complex-bank-charges-calc1 spreadsheet i'm entering data but it's not making sense (or should i say, i dont understand it!)

 

Question: If i claim at the outset for all the charges plus contractual interest i would be getting a better return than:

 

a) Just claiming the fees and getting no interest (assuming NW pay without a fight).

 

b) Claiming the fees, going to court and getting the stat 8% interest.

 

If so, has this been successful for others?

 

My problem is understanding columns G, H, I and J.

 

G - Interest Date

 

Which date do i enter for a charge for £30 made on 6/6/01?

 

a) The date charge came out of the account (6/6/01)

b) The date the interest was notifed on the account as per the entry "The following charges/Interest for 4/6/01 to 1/7/01 will be applied on 31/7/01". (6/7/01)

c) The date of the end charge period (1/7/01)

d) The date the interest was charged to the account (31/7/01)

 

H - Interest Charged, and I -Account Balance and Interest Rate.

 

As per above charge, on 21/6/01 the statement reads "yr int rate for borrowing up to £200 is 14.99%. Should you exceed........29.9%.

 

The balance on the account on this date was -£380.27 (there were 2 more charges of £105 in the interim period)

 

At the time of the £30 charge, the account balance, after the £30 was taken, was -£163.63.

 

At the time of the interest was notifed on the statement (6/7/01), to be applied on 31/7/01, the balance was +£444.15.

 

At the time the amount was debited from the account (31/7/01) the balance was +£1.37.

 

Which rate do i charge.....14.99% or 29.9%. I'm confused about which level the £30 is being charged at because i'm uncertain about which balance is being used for the calculating of the lower or higher interest rate.

 

J - Interest Free Overdraft

 

I'm assuming this is £0 as there is no interest free overdraft agreement, merely a regular charge for the facility to go overdrawn but be charged an interest rate.

 

 

 

Apologies for the detail, i just want to get it right, and i'm also assuming going for the contractual interest option is the better one.

 

Does this have to be sent to the bank along with letter No.2 requesting a refund of both the charges and the interest?

 

Thanks for your patience in advance.

WON £4000 v NAT WEST

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Guest NATTIE

Bump- the figure looks a bit high any thoughts guys(sorry littleangel, not an expert on interest but just seems a little too high from my reading of other people's threads). I could be wrong.

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Checked and double checked.......their published unarranged borrowing rate is 29.65% and thats the rate thats been used and compounded. Going over almost 6 years a £30 charge could earn almost £120 in interest alone!

WON £4000 v NAT WEST

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Hello. Just thought I'd update my thread, although it's very dull in comparison to the Cobbett's Slayer's news! :p

 

Got the Mr Higley letter today saying they were looking into my claim - exactly a week after I had sent my prelim..so watch this space!

 

Incidently, I've read a few posts where some people had been given a hard time changing from Advantage Gold to a current account. I went to my local branch yesterday, signed a 'Service Request' saying I wanted to change my account and that was it. All done with in under a minute! So, it can be done without any problems.

 

Anyway, enough of this, I'm off to read the latest installment of the Cobbett Slayer! Who needs reality tv!!!:D

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  • 1 month later...

I'VE WON!!!!

 

Just to update on my progress with my claim. Sent LBA off on 24 January, so time was up on 8th Feb. Fully expected to have to file then, but unfortunately RobberBank surprised me with a surprise holiday to Australia!!!:lol: So, didn't have time! So thought I would have to wait until we got back which was fine!!

Got home 25 Feb eagerly expecting some news but there was nothing in the post. I was all set for the long haul, then last Wednesday (28 Feb) I received a letter from Natwest offering the full amount (just under 4k) as a gesture of goodwill! Sent the acceptance off on Thursday - just checked my account and it's all there!!!! :D :D I guess I'm very lucky I had a very painless experience.

Thanks to everyone who helped - youi've been great - a donation will be made!:-)

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