Jump to content


  • Tweets

  • Posts

    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
    • I lived there with her up until I gave notice. She took over the tenancy in her name. I had a letter from the council and a refund of the council tax for 1 month.    She took on the bills and tenancy and only paid the rent. No utility bills or council tax were paid once she took it over. She will continue to not pay bills in her new house which I'm now having to pay or will have to. I have looked online I believe the police and solicitors are going by the partner law to make me liable.   I have always paid my bills and ensured her half was paid then see how much free money is over.   She spends all her money on payday loans and rubbish then panics about the rent. I usually end up paying it or having to get her a loan.   Stupidly in my name but at the time it was because she was my partner. I even paid to move her and clean and decorate her old house so she got the deposit back. It cost me £3000 due to the mess she always leaves behind.
    • Paula Venomous refused to resign for 16 months and eventually did only because a doctor threatened to resign. Interesting snippets and insights in the article. Paula Vennells clung on to ‘plum’ NHS role after Horizon scandal ARCHIVE.PH archived 19 May 2024 21:49:07 UTC  
  • 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

dagrat v rbos ** WON **


dagrat
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6306 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 83
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Correct.....as long as your original claim is under 5k you're fine.

  • Haha 1

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

Link to post
Share on other sites

Received this email last night from Tommy, seems he is determined to pay settlement into their account

 

 

 

 

Apologies for the 2 letters. We have a number of claims where customers

write chasing a response and as a result, it is difficult for us to make

sure we don't respond to each letter. I assume that is what happened in your

case.

 

When we receive an acceptance from a customer who still has an account open

with us, we need to credit the account on which the charges applied. If the

charges helped cause that debt, then it is right that we extinguish the debt

when we refund the charges as a gesture of goodwill.

 

In your case, doing this will still allow you to subsequently remove the

funds from the account, I would anticipate, given that you have an overdraft

limit on the account that would allow this.

 

Tommy McLean

Manager, Customer Relations

Ground Floor

The Forthstone

56 South Gyle Crescent

Edinburgh (Depot Code 045)

 

Tel : 0131 523 5116

Fax : 0131 5238778

So I sent this reply today

 

 

 

Dear Mr McLean

 

Thankyou for your email.

I must say I am very dissapointed in your response.

You made an offer to me and I accepted that offer providing the settlement was paid by cheque to me at my home address.

 

The assertion you make now, at this late stage, that your final settlement offer and my overdraft are linked I totally dissagree with.

 

I can only repeat the conditions of my acceptance.

 

I will accept your offer of £4836:74 in full and final settlement of this claim strictly on the basis that the settlement is paid by cheque made payable to me and sent to my home address, and not into my account with you.

 

Since my letter before action, I gave you 14 days to repond, and since the expiry of that 14 day period, I then gave you another 7 days to respond to my acceptance.

 

As you are aware those 7 days are now over.

 

I think you will agree that I have made every effort to avoid taking my claim via the courts

and given you ample time to settle this. But I feel enough time has been wasted.

 

So regretfully, unless I receive a response from you today I will have no alternative but to start proceedings through the courts tomorrow morning.

 

May I remind you that should this claim go to court then I will be claiming for the full amount of £4940:74 including costs and 8% interest.

 

I sincerley hope you will contact me by email today with your response.

 

 

Yours sincerely

Dagrat

Link to post
Share on other sites

Received this email within the hour

 

It is entirely your decision as to whether you take the legal route or not.

 

I am glad to say that I am not involved in the litigation side, but have

been told by one of my colleagues there that we are within our rights to

settle an offer by refunding by whatever method we deem appropriate. I was

told that this had been tested in court by a customer and the decision was

that the court could only rule on whether we should make a refund, not on

how any refund should be made.

 

I am surprised by your reaction, because as I said, once we have credited

your account it looks as if your overdraft facility will allow you to simply

withdraw it again.

 

Tommy McLean

Manager, Customer Relations

Ground Floor

The Forthstone

56 South Gyle Crescent

Edinburgh (Depot Code 045)

 

Tel : 0131 523 5116

Fax : 0131 523 8778

Link to post
Share on other sites

Guest willowb

Hi,

 

Certainly if it's a closed account they cannot, they have to send a chq.

 

My account was with capquest (their DCA) and so I received a chq directly from Cobbetts and paid the debt off when it was sent back over from Capquest to RBS. Is your intention to pay the debt off? Is the account still active? See, I don't know where you stand if the account is still with RBS....anyone?

 

Wxxx

Link to post
Share on other sites

Hi Willow B

 

Yes the account is still active but i have an o/d with them.

 

Im convinced that they will pay the money into my account and immediately close the o/d down thus swallowing the settlement.

 

Why on earth would they be so very insisatant on not paying by cheque?

 

What do you think?

Link to post
Share on other sites

well, to tell you the truth... they are making amicable means to settle this claim.. I dont know how favourably a judge would look upon this case considering that basically the only reason it went to court was because you were demanding cheque payment.

All of this correspondence will be put forth before a judge remember. They will show that they have tried to settle with you on at least 3 occasions for the claim amount?????? However that is only my opinion.

Link to post
Share on other sites

Guest willowb

Thing is they will close it and demand the money within 30 days of notification (even though banking code tells them they shouldn't- see link at the bottom)and then you'll be left with a huge overdraft to pay off and maybe a default if you don't come to an arrangement with them.

 

Wxxx

http://www.bankingcode.org.uk/bulletins/Bulletin%2021%2027%20Jul%2006%20PDF%20FINAL.pdf

Link to post
Share on other sites

My opinion is they aren't in a position to be making conditions...........

 

BUT given what you've just said dagrat...

I actually do intend paying off most of the o/d but want to keep about £200-£300 of it to keep the o/d facility.

...I'd be inclined to accept. Even if they end up taking the overdraft off you, how much do you stand to lose? £200-300 (presuming you do pay off the rest as you say). Out of nearly a £5k payment (which if you think realistically two months ago you weren't going to have), I think a loss of £200-300 is pretty minimal don't you?

 

I know I've changed my tune a little, but that as a result of their response. I may agree with others on the court bit but you do after all have outstanding charges that you can progress this on - remember you aren't taking them to court because they won't pay it by cheque you are taking them to court for the extra couple of hundred they haven't offered you.

 

Now it comes down to you as this is your money and it's a decision we can't make for you. Are you willing to write off £200-300 (possibly?) or do you want to cover yourself and take it to court. Ultimately this needs to be your decision.

 

One note.....as you've said previously in pms, it could just be your paranoia getting the better of you???

 

Keep us posted!

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

Link to post
Share on other sites

Thanks all

 

Yes I do take your point but I was hoping to keep my o/d facility going even to a lesser degree.

 

Im worried that after the settlement is paid they will close down the o/d facility altogether.

And im not sure if I could open another account with a o/d, my parachute acc is just standard (no o/d)

Link to post
Share on other sites

Always remember that paying off an o/d is JUST as satisfying as paying off a credit card!!! :)

I must be fair, the best thing for me since getting my debt in order, is to look in my account come pay day and actually have a positive figure! THAT is such a great feeling.......

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

Link to post
Share on other sites

Guest willowb

Have you tried opening a parachute account?

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/58685-do-you-need-parachute.html

 

It depends on your credit score as to wether you'd be offered an overdraft, but my advice would be to steer clear of them anyway!!!

 

Is the amount being offered the full amount of your claim or not?

 

If it isn't, I agree with T4FF, you could go on and file a claim on the basis that they have not reimbursed the full claim but email Tommy and ask him for the extra first then at least you have tried.

 

Don't forget that there will be an AQ fee of £100 to pay (which you claim back). S'up to you though but please be aware that when the claim is settled by RBS you need to make some arrangements for the debt to be repaid, don't get yourself deeper into debt!

 

Wxxx

Link to post
Share on other sites

Is the amount being offered the full amount of your claim or not?

 

If it isn't, I agree with T4FF, you could go on and file a claim on the basis that they have not reimbursed the full claim but email Tommy and ask him for the extra first then at least you have tried.

 

 

The offer that I have accepted Willow s not the full amount, but I thought if I accepted their offer then I couldnt then go on to claim for the rest of the claim, thats right isnt it?

Link to post
Share on other sites

Guest willowb
1/ My charges come to just under £5000 and i want to keep it in the small claims route

I'm retyping this.....my whole post just disapeared!!! arrrg

 

Right, do you know that the interest does not get included into the decision for track allocation. So, in your case it is only the £4,800 that decides the track which will be small-claims. The reasoning behind this is that it is only a Judge who can award interest and fees but the banks will settle the claim with interest and fees to avoid Court!

 

You simply put the figure £4,800 in your N1 form with a copy of the spreadsheet PLUS interest and fees attached. Then send a copy also to RBS with a letter informing them that you have filed a claim.

 

Wxxx

Link to post
Share on other sites

Well after a LOT of help from T4ff, i emailed Tommy Mclean back and told him that, as he was so determined to pay the settlement into my account ,that I would accept this, only if the claim was paid in full including all charges recently imposed. He emaqiled back within twenty minutes the following:

 

Dear Mr Dagrat

 

That will be fine. I am happy to cover the additional charges you mention.

It is only fair that we pay charges until your account is actually credited.

 

I am sorry that you mistrust us and 'have your own theory as to why'. There

is no ulterior motive, only what I have already explained that where there

is an existing debt, we are to extinguish that debt.

 

I will arrange for your account to be credited in the next day or two.

 

Thanks.

 

Tommy McLean

Manager, Customer Relations

Ground Floor

The Forthstone

56 South Gyle Crescent

Edinburgh (Depot Code 045)

 

Tel : 0131 523 5116

Fax : 0131 523 8778

The line `I have my own theory as to why`was reference to their determination to pay the settlement directly into my account which has a largish o/d.

 

Im still convinced that they will pay in and then immediately close my o/d.

 

I suppose Il have to wait and see.

 

BUT however you look at it IVE WON !!!!!

So many thanks to all, especially T4ff and Hydra

As soon as the money arrives ill send donation (after Ive bought a large bottle of gin) I dont know how to put this thread onto Successes, Mod maybe?

Link to post
Share on other sites

Like I said in pm congrats! Realy pleased for you! Glad you got the result you wanted. Now on the other accounts eh? Hee Hee.

  • Haha 1

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...