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    • 70 pages of CEL topics here... https://www.consumeractiongroup.co.uk/search/?q=CEL&quick=1&type=forums_topic Fill your boots!
    • I believe so yes on the address it was taken out. no DN and no NoA from OC to lowells. Shall I respond with another CCA agreement etc as before? PO are a pain lol
    • Again, don't worry, the defence is really only intended to stop the other side winning by default.  The "meat" of your case is the Witness Statement. We'll have a good read through what you have prepared today and suggest some tweaks. We need to see what UKPC have put in their WS.
    • Anyone had a bad experience of Civil Enforcement Limited (CEL), Greenwich?  I'm considering taking a complaint to our Greenwich MP, to dig into CEL's unlawful and unethical practices.  CEL is making an incredible amount of money scamming motorists with huge, dis-proportionate fines in many cases - looking for any discrepancy and then attempting to bamboozle motorists with legal fear-mongering. I've just won a POPLA appeal after a few months contesting a private land penalty charge notice (PCN) from Civil Enforcement Limited (CEL).  I used the private car park at 237-259 Greenwich High Road, SE10 8NB several months ago - correctly paying for my full stay.  To my annoyance I received a £100 fine a month later from CEL - and only after my querying and sharing my receipts, CEL stated that the fine was because it had taken me slightly longer than 10 mins to acquire a ticket (their small-print terms on the car park sign states the cut off is 10 mins of entry).  CEL immediately rejected my appeal (that the busy/crowded car park caused delays in securing a parking spot, making it impossible to meet the allotted 10 min cut off).  However, I escalated to a POPLA (the independent appeals service for PCNs issued on private land) - who were incredible.  POPLA truly listened to the facts unbiased and collected fair and appropriate evidence, before throwing out the PCN.  It's been a mild annoyance over the past months - but at least I'm vindicated. With the number of terrible reviews of CEL online (*link below), I'm surprised they've been allowed to continue operating at that location (I'm not sure of their practices elsewhere, so cannot comment there).  If anything comes out of this, I urge anyone receiving private land PCNs from CEL, to closely look at the contravention.  If you've genuinely paid and it's not your fault, I'd urge you to appeal to POPLA.  FIVE TIPS IF MAKING A POPLA APPEAL: 1.  Read the instructions and paperwork carefully, and follow POPLA's guidance - 2.  Be clear, concise, but brief in your responses - 3.  Make sure to address every itemised argument that CEL makes (failure to address specific points may work against you) - 4.  Don't be put off by the number of case laws, rules and codes that CEL will cite and throw at you (these are designed to overwhelm and distract - remember that motorists have protections too) - 5.  Familiarise yourself with the relevant section/s of the 'British Parking Association (BPA) Guidelines' if you can. *https://en.parkopedia.co.uk/parking/carpark/greenwich_high_road/se10/london/?arriving=202405221830&leaving=202405222030
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    • 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
      • 162 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
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Claire C v Natwest

Claire Conway
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I have read your introductory page and it says I should read as much as I can on the CAG web page but there is absolutely loads?? I know I need to be patient and try not to rush things but I was talking to Martin on the chat room and he suggested first getting bank statements as I have only kept them for the last 12 months. Can you tell me if there is a standard procedure (he already advised applying to their HO) such as a letter and do I tell them why I want these statements or would that be as mistake?? How long from start to finish is average to get the charges back please??:confused:

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Right Clair, first things first. You must read the FAQ's before you do anything. Secondly read through the threads in the bank you itend to claim from. The first thing you need to do is send a Subject Access Request which you will find in Bank templates. When you begin the process start a thread in the relevant bank. That way people dealing with the same bank will be able to help you along the way.

Please Click The Scales if I have been of help to you.



Kensington Mortgages withdrawn. no costs

NatWest Settled in full

Abbey Court Settled in Full

Capital 1 settled in full

Halifax settled in full :D

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Hi Claire glad you found it.

Secret is dont try to run before you can walk.

Take things a step at a time.

For now your concern is getting those statements.

Here is the link for the first of the letters you will need to send.Fill in your account details and send it recorded delivery





Yes the request is for last 6 years.


send this to









I am going to start a thread for you in the Nat West forums.There you will be able to progress the claim.

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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Just another point Claire......Is your new user name your real name too?

If so I advise changing user name slightly as Cobbetts (Natwest defence team are very actively monitoring these threads !)

I suggest Clare C:D

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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I believe it pays to remain anonymous, and it is a more relaxing way to conduct your claim.

Crack on with requesting your statments, while you wait for them, you will have the time to monitor this site and learn how the process works. Good Luck.

My advice has hardly any legal foundation whatsoever, however you never know it it might just work!



NatWest Prelim 07.10.206

LBA 21.10.2006

MCOL 30.10.2006

Acknowledgment of Service 06.11.2006

Offer of approx 50% £2200.00 22.11.2006

Full settlement £4500 received 03.01.2007

Smile settled in full

Barclaycard settled in full

RBS Worldwide settled in full

Lloyds TSB settled in full £750.00

Lloyds TSB settled in Full £275.00 11.04.2007

Lloyds TSB business account £1376.00 AQ filed

Lloyds TSB Business account settled in full 21.05.07

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