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    • as you mention the bpa sounds like its a scummy private car park lot blue badges mean nothing on private land anyway.............. so a failure to display something that is meaningless on private land anyway is a money grabbing scam moved to the private parking forum dx dx
    • who is it from  a council or a private parking company?
    • As per the heading, received a parking charge for failure to display a blue badge in a disabled bay on a retail park.  I am a blue badge holder, disabled/wheelchair user with a Motability vehicle. I received the charge as 'notice to keeper' I was not the driver. I don't have a valid driving license so use a carer. The notice arrived a week after the alleged incident. It states that as the 'driver' failed to pay the charge in full  hence, it is now the keepers responsibility ( the notice was dated 2 days after the alleged infringement and as no notice to driver was on the vehicle, I don't know how they expect the driver to be able to either pay or dispute the charge if they are not aware of it) Anyway, really looking for help how to reply. I cannot remember if the badge was correctly displayed or not. Photos taken of car miss a bit where I store my badge if not displayed so it would be possible to see a badge even if not 'correctly displayed" . It was a bit of a sh**ty day weather wise, gusty and raining  (as seen on the photos which reminded me of the actual day) so it is possible that badge blew to the floor as the driver was helping me out of the car into wheelchair. There is no windscreen photo showing that a PCN to "Driver" was stuck on the window either. The car park is free. There are no Parking Signs at all near the disabled bays that one could read to adhere to any terms and conditions. The whole row of disabled bays - of which are there many only state badge holders ( does not stipulate Blue Badge Holders) The notice states that the parking company is a member of the BPA and Operating in accordance with the British Parking Association's Code of Practice. The BPA, section 19.1 State that at least one parking sign should be near the disabled bays, in a position that can be easily  read by by a disabled person without leaving their car in order to decide to be bound by such terms. We returned to look for signage on the retail park and could not find one sign that was near the bays. The only sign we could find was high up on a pole but not near the bays. Someone had to get out of the car and stand on tip toes to be able to take a photo of a sign. I would be grateful if someone could help or point me in the right direction. It is now  15 days since the alleged incident and 7 days since I received the notice.
    • also just to clarify is it required that I physically post to both the county court and Evri? I read in another thread you can just email Evri a copy since they will just rescan whatever you post anyway (if they even read it)
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      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.

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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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Gostew v Halifax


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in the last year ive had enough of excessive bank charges, but didnt think there was anything i could do about it till i found this site.

 

i now plant to go through the process of claiming back charges from both the halifax and the royal bank of scotland. i reckon that in the fourteen years plus, the halifax must have charged me in excess of £3000, most of this was incurred in the last two years. the royal bank charges come to roughly £400.

 

ive read the faq and stuff, so thought it best to post here looking for advice and stuff as there does seem to be a lot to take in.

 

i have asked repeated requests to each bank on their customer service lines for an outline of charges, but have been told by both that they would post them out to me, and have received nothing in the mail, since october when i first asked.

 

 

id like to know if going down the route of claiming back charges means that you have to terminate your accounts with the bank? im a self employed electrician and it helps to have several bank accounts for receiving payments from customers.

 

thank you in advance for any help

 

gordon

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hi gostew, i am also new here but you should send a SAR( statment access request) to your bank including a £10 cheque to cover the costs of your statements u should have a look in the library here and you will get a copy of a template letter, the bank have 40 in which to give you a breakdown of your charges under the data protection act. have a read at all the other threads/forums relating to these banks and u will find out how others are doing, best of luck

PLEASE HELP OTHERS, WHEN YOU WIN YOUR CLAIM GIVE A LITTLE BACK

 

 

Nationwide **WON**- £3,880.00 14/03/07

 

Nationwide Claim 2 LBA sent 13/03/07

 

 

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also forgot to add you do not need to close your account but seemingly the banks dont like what we are doing to them so be prepared open an account at anothr bank as they may close your account!!

PLEASE HELP OTHERS, WHEN YOU WIN YOUR CLAIM GIVE A LITTLE BACK

 

 

Nationwide **WON**- £3,880.00 14/03/07

 

Nationwide Claim 2 LBA sent 13/03/07

 

 

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ideally u should do one at a time it will also let u get the hang of it!!there is a lot of info to take in and i think it would be way too much pressure taking on more than on!! any way best of luck and keep us posted xx

PLEASE HELP OTHERS, WHEN YOU WIN YOUR CLAIM GIVE A LITTLE BACK

 

 

Nationwide **WON**- £3,880.00 14/03/07

 

Nationwide Claim 2 LBA sent 13/03/07

 

 

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Yes, I think one by one would be best!

 

I have just started negotiation with MBNA and already they reduced my card balance by £800. It does get time consuming though if only keeping up with correspondance.

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Hi Gostew..

 

yes you are right, start with the small stuff and the you will have the confidence to then take on the big stuff. Halifax were easy for me, got paid the full amount after filing at court.

 

I have posted some links that may help you along the way.

 

FAQ’s

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Letter Templates

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

Interest Spreadsheet

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

Court N1 form

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Court Bundle

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

 

Bank Contact Details

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html

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Halifax/Bank of Scotland have a policy of making part offers but eventually of settling in full rather than face a court hearing.

 

The other banks probably have the same policy - they all behave that way.

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Moved posts here.

You will need to set up another thread for yourself in Royal bank Scotland group too.

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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  • 4 weeks later...

So ive sent away the sars request on th 22nd jan, for both banks.

Ive no choice now but to do both at the same time, as rbs are threatening me with further action if i dont pay the £577 worth of charges they applied to my account since december.

I have made another post in that forum.

 

One thing im a bit unsure of, how do you go about calculating the interest on the charges? I know halifax are going to give me a load of statments reaching way back, so i want to do this properly, and help out there?

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So at first i just make a list of all the charges, with a date beside them and what they were for, then totall them up?

 

And i should send this with the preliminary letter, and the secondary request, if one is required?

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Use the spreadsheet and calculate interest, just make sure when you're sending it off that the interest column is hidden or removed. Follow the instructions found elsewhere on this site and be careful to take your time with each step.

 

I'm sure someone else will be along shortly that's been around here a lot longer than me to help out!

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  • 1 month later...

Finally, I have received my statements from the halifax....and theres a lot of them!!!

 

So, this weekend i start wading through them and adding up the charges.

 

Can anyone give me any help on this?

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not unless you invite us around to your house...:D :D

 

Seriously though, get your highlighter out and have fun.

 

Check a few times as it is so easy to miss a few.

Mark off all "charges as notified"

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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  • 3 weeks later...

Well arent the halifax a bunch of c***s?

 

They sent me six envelopes worth of statements, and must have got someone to jumble them all up to make it harder for myself!

When sorting them out i found some random pages were duplicated at least FOUR times!!

 

Ready to do the spread sheet now though.

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Just makes you more determined..!

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Well arent the halifax a bunch of c***s?

 

They sent me six envelopes worth of statements, and must have got someone to jumble them all up to make it harder for myself!

When sorting them out i found some random pages were duplicated at least FOUR times!!

 

Ready to do the spread sheet now though.

 

Hi I got 32 letters on same day containing 156 pages of statements, they will pay in the end I was lucky in they paid me in full before going to court some have to file at court then they settle.My claim was 2295 settled in 2 1/2 months good luck dpick:mad:

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just one thing, how do you tell what each charge was for?

they all range from £20 up to £39, but they just say charges as notified in the statements.

is it important when doing the spread sheet to include what the charge is, or can you just leave it blank?

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That is what you put on your spread sheet.

 

"charges as notified"

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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just one thing, how do you tell what each charge was for?

they all range from £20 up to £39, but they just say charges as notified in the statements.

is it important when doing the spread sheet to include what the charge is, or can you just leave it blank?

 

Hi I just put as they did "charges as notified" and they accepted that.

 

good luck dpick:mad:

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