Jump to content


  • Tweets

  • Posts

    • Items for sale include five rare Ferraris and a pair of Air Jordan sneakers signed by Michael Jordan.View the full article
    • TECHZONE BUXTON LTD overview - Find and update company information - GOV.UK FIND-AND-UPDATE.COMPANY-INFORMATION.SERVICE.GOV.UK TECHZONE BUXTON LTD - Free company information from Companies House including registered office address, filing history, accounts, annual... thread title updated. dx
    • next time dont upload 19 single page pdfs use the sites listed on upload to merge them into one multipage pdf.. we aint got all day to download load single page files 2024-01-15 DBCLegal SAR.pdf
    • If you have not kept the original PCN you can always send an SAR to Excel and they have to send you all the info they have on you within a month. failure to do so can lead to you being able to sue them for their failure.......................................nice irony.
    • Thank you and well done  for posting up all those notices it must have have taken you ages.. The entrance sign is very helpful since the headline states                    FREE PARKING FOR CUSTOMERS ONLY in capitals with not time limit mentioned. Underneath and not in capitals they then give the actual times of parking which would not be possible to read when driving into the car park unless you actually stopped and read them. Very unlikely especially arriving at 5.30 pm with possibly other cars behind. On top of that the Notice goes on to say that the terms and conditions are inside the car park so the entrance sign cannot offer a contract it is merely an offer to treat. Inside the car park the signs are mostly too high up and the font size too small to be able to read much of their signs. DCBL have not shown a single sign that can be read on their SAR. Although as they show photographs which were taken the year after your alleged breach we do not know what the signs were when you were there. For instance the new signs showed the charge was then £100 whereas your PCN was for £85. Who knows, when you were there perhaps the time was for 3 hours. They were asked to produce  planning permission which would have been necessary for the ANPR cameras alone and didn't do so. Nor did they provide a copy of the contract-DCBL  "deeming them disproportionate or not relevant to the substantive issues in the dispute" How arrogant and untruthful is that? The contract and planning permission could be vital to having the claim thrown out. I can find no trace of planning permission for the signs nor the cameras on Tonbridge Council planning portal. and the contract of course is highly relevant since some contracts advise the parking rouges that they cannot take motorists to Court. I understand that Europarks are now running that car park which means that nexus didn't  last long before being thrown out.....................................
  • 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

Son of Steven4064 vs GE Money **WON**


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5628 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

  • Replies 129
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

CONGRATULATIONS, YOU LITTLE TERRIER.:D you pushed and they caved in. Well done steven.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

Link to post
Share on other sites

  • 2 weeks later...

Please could a mod move this thread to 'other institutions successes'

 

Steven

 

If this post is helpful, please click the scales

Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

  • Haha 1

 

 

Link to post
Share on other sites

  • 2 weeks later...

Final Postscript.

 

We received and banked the cheque, signed the order and sent it off. Today we got the final 'invoice' from GE Money with zero balance and like last time - "Viking Collection Services have been instructed to collect this debt"

 

Muppetts!

 

Steven

 

If this post is helpful, please click the scales

Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

 

 

Link to post
Share on other sites

Congrats Steven

 

I am currently working out the charges after receiveing the SAR from GE Money

 

Can you tell me which spreadsheet you used to calculate the interest and how you got to your interest rate

 

Cheers

Link to post
Share on other sites

Final Postscript.

 

We received and banked the cheque, signed the order and sent it off. Today we got the final 'invoice' from GE Money with zero balance and like last time - "Viking Collection Services have been instructed to collect this debt"

 

Muppetts!

 

Steven

 

If this post is helpful, please click the scales

 

Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

 

 

They really are aren't they!!!

 

Well done tho steven- hopefully i may get good news soon :)

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

Link to post
Share on other sites

Can you tell me which spreadsheet you used to calculate the interest and how you got to your interest rate
I actually used my own spreadsheet but the one I like best on here is Mindzai's. The interest rate came off a leaflet I picked up in Burtons (it was a Burtons Store Card) - 29.9%APR. In the soreadsheet you put the APR on page 1m your charges onpage 2 (if=gnore the interest column) and the interest comes out on page 4.

 

Steven

 

If this post is helpful, please click the scales

Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

 

 

Link to post
Share on other sites

  • 1 month later...

Hi. Can someone advise me on getting my statements prior to 2001 from G E Money. I have had quite a tussle getting just a listing of their charges on my account. They have only provided a listing upto October, 2001, my account is older than that. I have rung them time and time again and have only been given the run around. Anyay I have been able to calculate the interest on the charge and have compounded througthout the six years. It make quite a difference and very much worth pursuing. So can anyone pass on any tips.I would be very grateful

Link to post
Share on other sites

THe trouble with GE Money is that their 'system' is apalling. Almost no one gets all their statements even for recent years. GE Money have had their knuckles rapped because of it. However, that doesn't help you.

 

What statements do you have now?

 

 

Link to post
Share on other sites

Give me some more details: When do you think your account was opened? Is it still open? (if not, when was it closed?) What are the dates on the statements you do have?

 

 

Link to post
Share on other sites

  • 3 weeks later...

Hi Sorry I has taken to so long to reply to you. I did work out my charges and sent a 'before action' letter with a spreadsheet requesting refund of £440. Mark Metcalfe has replied offering me a 'goodwill payment of £32.00 which has been deducted from the balance of my account. He has refused to refund anymore. He says that they have reviewed the OFT's pub. on default fee charges along with (get this) their cost base!!!!! 'Due to the amount of administrative costs GE incur upon customers defaults, our view remains the we are entitled to charge these fees etc etc.' £12. is the charge now. Over half of the £440. is interest and the £32. is not in any way the total of charges they have added sonce 2001. My account goes back later than that but they have refused to send me any earlier copies of charges applied since I opened the account. Can you or someone advise me further. :(

Link to post
Share on other sites

  • 11 months later...
  • 1 month later...
  • 5 weeks later...

Hi Steven, I have followed your advice and am now at the small claims. I have sent the papers to court and the arrogant so and so's have filed a defence and can I tell you it is a pretty pathetic one. I am now filling inthe Allocation questionnaire. Have you any advice on filling this in.

 

Sorry to have hijacked this thread.

 

Regards

Link to post
Share on other sites

Thanks for your advice. However, I have a problem. When I originally sent my SAR request. G E Money sent me just a list in a letter of of the dates and charges made. I requested further evidence but did not get a reply. So I did a schedule of charges using the compounded rate and included monthly compounded rate between the dates of charges. (I hope you understand what I mean). I am worried about this now as (b) says "copies of any statement or other document relied upon as showing that each and every charge has been made" Have you any advice for meas I am unsure what to do.

 

Regards

Linda.

Link to post
Share on other sites

  • 2 weeks later...

Hi Steve, Thanks for that advice. There has been an interesting development. I have received from G E Money's solicitor an offer to credit the sum of balance of my account as full and final settlement as a 'GESTURE OF GOODWILL AND A MATTER OF COMMERCIAL EXPEDIENCY' This amount is just over 240.00. However, my claim is going on for a 1,000.00. I have not answered this yet. They have enclosed a draft order which they do not want me to date????? They also acknowledge that both parties are required to file Allocation Questionnaires. They hope that ' substantive steps in this action will not be necessary'. Well I have file the Allocation Questionnaire and I am not going to accept their offer. I want full settlement of my claim and a negotiated settlement of the balance. I want to squeeze their pips. Can you advise me if there is a letter template I can use for this.

 

Regards

Link to post
Share on other sites

You don't need a template - just thank there for their offer which you accept as a partial settlement only. Tell them you have file your AQ and send them a copy, partticularly and draft orders for directions you have attached.

 

Put their draft order in the recycling - they always send these and I think it is a damned cheek. It is your case not theirs. You inform the court when you are ready using your words and your terms.

 

 

Link to post
Share on other sites

Steven4064

Thanks for you help so far , if you could take a look at my thread and see if the info on the N244 is ok and if there is anything else i need to add?

 

Also along side that document do i need to send any other supporting evidence? Other cases etc? I know havinastella's case is due to be heard on the same date as mine in Gatwick at 11.30 am, i have asked for a copy with personal data deleted to inforce the possibility that they wont be attending the hearing.. what do you think?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...