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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.
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    • 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.

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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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Reaver V's Capital one,BarclayCard,Aliiance & Leicester,Lloyds Tsb & Natwest


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Hey All,

 

This is my first post on my first thread on my first forum,been reading bits for a while now. Anyway Reaver's story so far...

 

It started with either an inconviently timed DD or going slightly over my limit, When I quit my job a few years ago Capital one,Barclaycard,Lloyds Tsb and Aliance & Leicester went over the limit and each month due to further charges they went more over the limit until my accounts were closed.I've struggled ever since this and resent DD and banks and credit cards for it. I even complained about the whole set of circumstance a few years back but no success.

 

After reading the FAQ's and seeing what others have done I'm more dettermined than ever to sort out this mess. I have done Data requests for Capital one,Barclaycard,Lloyds Tsb and Aliance & Leicester. Which cost me £10 per request and I now have the statements witht the charges on for all but Barclaycard,who've tried hidding behind the red hearring of having the stored on microfiche. But after watching this thread http://www.consumeractiongroup.co.uk/forum/barclaycard/50148-barclaycard-microfiche-they-wrong.html I've discovered that the imformation commissioner has sided with us. My letter to Barclaycard's in the post and hopefully they'll give in and give me my information.They've only added cost on for them selve's with that one.

 

I'm almost ready now. I've got the recommened small claims pack and book from this site as CAG's helped me massively so far. I have the priliminary letter ready just need to work out the amounts.I've added up my charges. I just need to understand the interest side of things now.

 

Seems to be three rates (8,16.9?,28.9?),im not sure if these are different for each bank and when each gets applied from.From the charge date or claim date,and whens the claim date? getting a little stuck here,so any help would be appreciated. I will all so try to keep updating this thread with my progress to help any others who think it wrong that the banks and credit cards can treat us like dirt and get away with it.

 

Reaver

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Hello to brolidza.

 

Hey to everyone aswell.

 

From the looks of the step by step instuction(http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html) and the faq's (http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/24031-frequently-asked-questions.html?garpg=5) it seems tat 8% is staturary interest which is added from the claim date and during the claim. As I', not that far yet I guess I just need to look at my statements again see if I can work out what interest they've charged me due to the charges.Could be an interesting challenge.

 

I've posted my letter to barclays today,in an attempt to get them to give me my statement they originally refused me.

 

Reaver!

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Hi, Reaver.

 

When you fill in your spreadsheets, the interest is calculated for you.

Easy Peasy !

 

Best wishes with your claims.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

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  • 2 weeks later...

Hi Maroondevo52,

 

Thanks I am inputing the charges now,still a little confused by Interest charged (+),Statement balance (+),Amount of balance paid during subsequent month (+) and the later coloumes?

 

After looking back to the step-by-steps It says:

"Having received either a summary of charges, or copy statements, and calculated your charges (plus any overdraft interest which you can show was caused solely by those charges - not general overdraft interest), enter them into one of our spreadsheets in the Library. This will also calculate a further kind of interest (at 8%) but this is not reclaimable at this early stage and is for future reference only.

 

 

(2)

 

If you know how much you are claiming (i.e. because you already have all your statements), then send the preliminary approach letter - PRELIM LETTER - in the library section.

 

Edit the letter according to your circumstances, removing any details not applicable etc..

 

Enclose a schedule detailing the charges you are claiming, but do NOT include the 8% interest on the schedule yet"

I've totalled the charges but I'm having great difficulty in issolating the "interest which you can show was caused solely by those charges - not general overdraft interest". Does the spreadsheet do this for me????

 

Many thanks all.

 

Reaver

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Hey people.

 

I'm really confused by the spreadsheet I've been looking at. I need to understand whats going on in it incase I need to explain it in court,if I get that far.

 

When's my claim date?when I send the first prelim letter?

I kinda get the 8% statuary interest added from the claim date I guess? is this monthly or annually?

Does the spreadsheet work out the interest originally charged on the charges and if so how?

 

At this rate I mite just send the prelim letter with the total of all the charges?

 

Please help someone? Many thanks all!

 

Reaver

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Guest willowb

Hi:)

 

You don't add the interest until you file a claim. For right now, you are merely asking for the charges back. That is, unless you are claiming contractual interest (a higher rate) inwhich case I suggest you read up a lot more, do some searches until you are really sure about what you are doing.

 

Wxxx

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Hi Willowb

 

Many thanks there. Yes it is contractual interest im alking about. The rate my credit card or bank charged me in interest for the penelty charge.

 

I will follow your advice and go looking for contractual interest.

 

Many thanks again

 

reav

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Please start your own threads in your respective bank groups.

Pm me when you done that and I will move your posts there from here.

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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