Jump to content


  • Tweets

  • Posts

    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
    • Less than 1% of Japan's top companies are led by women despite years of efforts to address the issue.View the full article
  • 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

asna97 v Lloyds


asna97
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6320 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

having problems sent the first letter by recorded delivery on the 15th nov nothing back so rang they said get in touch with my nearest branch so i wrote another letter asking for statments of list of charges and took it down by hand ,they said they would forward it on to the right department that was on the 22nd novit has been 3 weeks now had a phone call from my branch in corsham from the maneger saying thy have lost the letter and could i write another one and they would send it of with priority on it WHOT SHOULD I DO HELP ? does anyone know where you send the letter asking for your statments

Link to post
Share on other sites

Yes, I'd say they are messing you around.

 

If you hand in by hand, get a reciept. If they've lost it, ask for that in writing. Remember, you're building a case here with the view of going to court, so you must document everything. If Lloyds are losing stuff, and messing you around, then you want to record this and present it when (if - probably never get there - you go to court)

 

SAR goes to (and send it recorded!)

 

LloydsTSB

Data Subject Access Request

Drop Zone C49

Charlton Place

Andover

Hampshire

SP10 1RE

 

Send it here, they log it, and forward it to the "Copy Statements" dept in Birmingham.

 

Send it in, recorded, give it 2 weeks, then phone 0845 070 3124 and get confirmation they've recieved it and forwarded it on.

 

one week later, call birmingham on 0121 633 5476 and chase it up.

 

 

Stick with it. lloyds apparently play hardball. (they've not responded only once to me since I started, and I'm filing in court next monday!

 

Hope this helps

 

Steve.

Lloyds

19-10-06- S.A.R Letter

Prelim 20-11-06 £10,492

LBA - 2/12/06

Cap 1

19-10-06 - S.A.R Letter

Prelim 20-11-06 £1,467

LBA 2/12/06

WON-Settled in Full

AMEX

19-10-06 -S.A.R Letter.

Prelim - 20-11-06 £697

LBA - 2/12/06

Morgan Stanley

19-10-06 - S.A.R Letter

Prelm 20-11-06 £1580

23-11-06. £1076 offered.

4-12-06 - LBA

Won-£1580 14-12-06

MBNA

19-10-06 - S.A.R Letter

20-11-06 Prelim

WON-£4010

Link to post
Share on other sites

  • 2 weeks later...

hi here is my story so far wrote 1st letter on the 15th nov recorded no responce rang bank said to send another letter to my nearest branch so i took one in by hand on the 22nd nov still nothing back , so went down said they have not recieved my letters said so one has got them i sent them recorded apoligised gave them another letter to send this time it must of got to the right person recieved list of charged on the 14/12/06 . Threen hours it took me to work out all of them for my own account and a joint one in total they owe me and by o/h £ 6547 and with intrest £6989 sent 2nd letter on the same day the 14th asking for my money hopefully get a responce before xmas will let you know +++++++:evil:

Link to post
Share on other sites

hi here is my story so far wrote 1st letter on the 15th nov recorded no responce rang bank said to send another letter to my nearest branch so i took one in by hand on the 22nd nov still nothing back , so went down said they have not recieved my letters said so one has got them i sent them recorded apoligised gave them another letter to send this time it must of got to the right person recieved list of charged on the 14/12/06 . Threen hours it took me to work out all of them for my own account and a joint one in total they owe me and by o/h £ 6547 and with intrest £6989 sent 2nd letter on the same day the 14th asking for my money hopefully get a responce before xmas will let you know +++++++:evil:

 

Best of luck. Use the time now to read up on the process so you are fully aware of what to do.

Link to post
Share on other sites

Threads merged - please stick to one thread

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

Link to post
Share on other sites

Just to ask...when you say £6989 with interest do you mean the 8% interest you are able to add at a leter stage of the process or the interest they have charged you on your account?? x x

11/08/06 Data info requested

03/10/06 Statement copies received

11/10/06 Letter sent asking for charges to be refunded

19/10/06 Standard no received

21/10/06 Amended letter sent asking for charges to be refunded

27/10/06 Standard no received

04/11/06 LBA sent

18/11/06 MCOL filed

20/11/06 Claim issued

30/11/06 Claim acknowledged

11/12/06 Defence entered

14/11/06 AQ + defence received

17/12/2006 AQ returned

19/12/2006 Copy of their AQ received

04/01/07 Claim stayed - inadequate POC

08/01/07 POC sent

16/01/07 Claim stayed awaiting another test case

23/03/07 allocation hearing set for 17th April

Link to post
Share on other sites

ok just checking as i did it wrong the 1st time and checking u hadnt done the same thing!!

11/08/06 Data info requested

03/10/06 Statement copies received

11/10/06 Letter sent asking for charges to be refunded

19/10/06 Standard no received

21/10/06 Amended letter sent asking for charges to be refunded

27/10/06 Standard no received

04/11/06 LBA sent

18/11/06 MCOL filed

20/11/06 Claim issued

30/11/06 Claim acknowledged

11/12/06 Defence entered

14/11/06 AQ + defence received

17/12/2006 AQ returned

19/12/2006 Copy of their AQ received

04/01/07 Claim stayed - inadequate POC

08/01/07 POC sent

16/01/07 Claim stayed awaiting another test case

23/03/07 allocation hearing set for 17th April

Link to post
Share on other sites

hi i was just wondering if i have done this right i have sent my 1st letter asking for my money £6843 to my local branch is this right or do i have to send it to head office , and where do i send my next letters any help would be great

Link to post
Share on other sites

hi lloyds tsb have untill the 28th dec to get back to me from my 1st letter asking for my money i am just getting prepared so i read through the template letter for the LBA AND I SAYS TO GIVE THE COURT NAME BUT I DONT KNOW WHICH ONE THEYWILL USE WHAT SHOULD I DO HELP PLEASE:-?

Link to post
Share on other sites

Just put County Court assuming you live in England or Wales.

 

Bicester1

 

Please note I am not a Lawyer.

Bicester1

 

MBNA WON £623

:)

GM Card Won £580

:)

Nat West CC Won £525.08

:)

Nat West Bank Won £2346.60:)

Lloyds PPI LBA

Barclaycard defence received. Trial date 30th July. Barclays missed deadline for servicing and filing of their bundle! Going to try for strikeout or summary disposal

HBOS about to issue N1

LLoys Bank LBA

 

I am not a lawyer. Get trained professional advice if unsure of your legal position. If my advice is helpful please tip my scales!

Link to post
Share on other sites

Guest ian cognito

It isn't which one they eill use, but which one you will use, you are taking them to court!!!

 

WHile you are waiting for them to respond, or for your 14 days to pass, have another read through the FAQ's and the Lloyds TSB forums to make yourself fully aware of the process.

 

Good luck

Link to post
Share on other sites

hi eveyone hope you all had a nice xmas? Well time was up today for lloyds to replie to my 1st letter asking for MY MONEY SO SENT LBA recorded of course 7 days and counting for £6984 keep you all posted amy ++++ hope to hear soon

Link to post
Share on other sites

7days? you mean 14days? You have to allow 14days for them to reply. If you have posted more history on this claim somewhere else on this site can you please stick to that thread so we can see your progress and that way we can help you better.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

If you used the LBA from this site, then the period is 14 days from when they recieved it.

Halifax - Credit Card: 14/11/06 sent S.A.R, 29/12/06 sent Prelim, 11/01/07 1st bog-off received, 15/01/07 LBA sent, 01/02/2007 MCOL started for £1801 (inc court costs and 8% int.), 02/02/2007 MCOL cancelled... , 09/06/2007 Court claim started, 01/06/2007 Claim Acknowledged, 07/06/2007 Claim concluded, £1540 to be reimbursed into CC account.

GE Capital Bank Ltd - Storecards (3): 11/06/07 sent S.A.R, 15/06/07 Acknowledgement of S.A.R received

GE Capital Bank Ltd - Wife's Storecards (2): not started yet...

Nationwide - Current A/C: not started yet...

Lloyds TSB Bank Ltd - Current A/C: not started yet...

Lloyds TSB Bank Ltd - Business A/C: not started yet...

and the rest I haven't remembered so far... : not started yet...

Link to post
Share on other sites

The LBA is the letter you send giving them 14 days to repay you otherwise you will begin court action.

 

Here is the Preliminary Letter and here is the LBA. Both of them give the banks a 14 day deadline to respond.

 

Good luck. Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

Link to post
Share on other sites

hi lucid i am a bit confused can i just run through this with you to let you know what i have done on the 21/11/2006 sent letter asking for list of charges recieved them on the 14/12/2006 worked it all out the same day and sent letter asking for my money, got nothing back on the 14th day so sent the next letter threating to take them to court . the 29/12/2006 got a letter of lloyds saying they are sorry blah blah blah they have 7 days to respond is this right amy:confused:

Link to post
Share on other sites

Hi Amy,

 

Right so your prelim 14 day deadline was yesterday and you've sent the LBA. So it sounds as though the letter you got today is their standard response where they try to give themselves extra time to properly respond. This is just a standard fob off though and you just need to ignore it. You've sent your LBA in which youv'e given them 14 days to repay your money, otherwise you'll begin court action. Stick to your deadline - not theirs. Once the 14 days is up you can then begin court action.

 

Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

Link to post
Share on other sites

hi just started mcol and have a question does anyone know the address i put down for the defendant is it my local branch or the head office one if it is the head office one could i have the address pleasr

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...