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    • “Not realising it was a no parking zone” doesn’t help you if the timing is correct, as (at least, on Google Maps / View) there is clear signage ('7am to midnight', parked at 15:22) What might be worth pursuing is the "ticket handed to driver" aspect : do you have any view on why they would be  stating that?
    • it's 85k of turnover (well, now £90k). However, you're digging yourself into another hole here. That ship has probably long since sailed. Is it worth pursuing this? You're not going to get anything back from it either way.
    • Hi,   A few pointers from yesterday to take note of evris cpr 27.9 failed again so we should really make issue of this also their WX fail to comply with CPR so again we should take issue with their statement of truth  you cant get tort if you get damages under subsection 7 of CRA because its double recovery  - not sure what we think of this? however its the first time i saw the judges make reference to your non automatic rights from s49 which s54 and 57 assist with. We should start stating this specifically for claims as I think its much better than just 49 and 57 as we need to make it clear where our non automatic rights come from as 54 automatic frankly dont help  I have sent the claim form and defences to the admin email because I can’t upload them for some reason as it wont let me but thought this may help as its the first time we’ve taken tort to trial. although i think the DDJ was honestly struggling to understand some parts of the law because he was asking me about them and how he should interpret them, especially for the automatic. Will apply for transcript if you want it?
    • I decided on confrontation - which I hate.  Omg the arrogance of the driver.  They refused to say who had given them the alleged permission to park on the private land - unless I proved ownership.  I couldn't believe they could be so objectionable.   They advised they couldn't take public transport to work as they lived too far away.  They couldn't rent a local garage as none were available. I simply said that's their issue not mine. It was infuriating that this person had such misplaced entitlement.  However I decided to humour them and show them the title deeds.   They couldn't respond.  Although at this point they alleged some guy in a city up north - whose name they couldn't remember - gave permission!!    They then asked if they could buy the garages and land!! Yet can't afford to park on a meter !! They seemed to back down and agree to now park elsewhere.  I hope so. 
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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
      • 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
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over 6 years???? any MODS reply


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Is there any legal reason why if I have claimed for 2000-2006 successfully from abbey I can not claim from 1994- 2000 with an estimate of charges being the same as 00-to 06. Using the limitations act below...

 

“S.32(1) of the act says:

© the action is for relief from the consequences of a mistake; the period of limititation shall not begin to run until the plantiff has discovered the fraud, concealment or mistake, or could with reasonable diligence have discovered it.”

Only direct action by the masses will work....

 

Look at all successes they have never come from negotiation!!!

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Fergal, did you estimate your charges for 00 to 06? did you request your statements? have you requested your statements for 94 - 00?

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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no I didnt estimate 00-06 I got statements, approx £3k

I have not requested94-2000 as I am sure they are not required to keep this info for this length of time...

Only direct action by the masses will work....

 

Look at all successes they have never come from negotiation!!!

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Fergal, before you estimate any costs you have to show that you have gone to reasonable lengths to acquire the information, so I would get a SAR off to them :D

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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do you think it is feasible to claim back for this period and if yes how far back????

Only direct action by the masses will work....

 

Look at all successes they have never come from negotiation!!!

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sorry found it, they are claiming for 10 years 96-06, in one go...

mine case is a little different but I am sure is still covered by legals..

 

do you think asking for when my account was opened with them up until 2000 and ask for statements.

when I was a student I paid £000,s of charges I am sure.

Only direct action by the masses will work....

 

Look at all successes they have never come from negotiation!!!

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Wotcha..... just watching your thread after luverly Lula's comment. :p

 

Do you not have anywhere copies of your statements from over 6 years ago around your house? The reason I ask is that you wouldn't have to bother Abbey with a statement request as they could easily turn round and say we don't keep info that far back. (If I'm wrong anyone, please correct me :D )

 

No harm in trying however and no harm I'm sure in submitting an estimated claim for that period beyond 6 years ago to a reasonable figure.

 

Have fun ;)

srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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Abbey will say they dont have them, almost guaranteed, but theyre probalby not being entirely truthful.

 

If you served a SAR on them from the temp[late library you did in fact ask them for all your data for the accounthistory.

 

My 1st thought isd to write to them rmeinding them you are still waiting for the rest of your statements. :D

 

If they dont send them post their reply and well think of somehting nice to write back, probalby a LBA giving 7 days for non compliance.

 

GLenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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my abbey account goes back to 95 but they only sent me the last six years of statements when I asked for all statements under the SAR. I would like to go back further too.

 

 

How far back (statements) are they legally obliged to keep and give out?

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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Pugsely

 

I cannot give you a definitive answer since i haven't found one. All i can tell you is that they have to give you all the data you request if its held in a relevant form.

 

I have been unable to find any definitive bit of paper that says they have to hold data for a specific period and then destroy it. The DPA doesn't refer to a period but it does say they can hold it for as long as necessary and leaves it for the data controller to determine, or it implies this anyway. Don't really want to get into an argument about that issue on this thread because its not relevant to the matters at hand.

 

What i can tell you for fact is that abbey hold archived material on microfiche, each record holds hundreds of individual pages of data, statements, letters, etc.

 

I know that for them to remove an individuals records would be difficult and expensive. Two things which make it extremely unlikely that they will destroy your data specifically.

 

Going on further, when we were trying to influence the ICO over Abbeys fiche system, I spoke to a forum member who used to work in the abbey fiche dept. She told me, and i believe provided a sworn statement, to the effect that she was aware that when she worked there that abbey had data going back to 1926 in some cases.

 

All in all unless a bank or CC company explicitly states that your data for account number so and so was destroyed then i would peruse them into court.

 

I would use the courts because it will concentrate their minds since they wont want to lie in court about your data.

 

I would ask the court for an order instructing the defendant to provide all the data you are entitled to under the DPA. I would ask them to confirm if they hold data but will not provide it under the DPA and if so why.

 

If they do not have data for the whole account history then they need to explain why they dont have this data.

 

I am going through this process now with the co-op who told me they were not obliged to hold data for any more than 6 years. I have data from them following the court action over 9 years old.

 

For some reason they wont close out the case by telling me in writing that they have supplied all the data they hold or whether they hold data but i am not entitled to it and for what reason. I have a directions hearing next Friday so will see what they have to say then.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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only me again.

thinking about it, when i settled with abbey this week, christine who dealt with it said that she was taking off £150 approx cause i could only claim 6 years from when court action was started not when i approached abbey.

if this is the case can we really legally claim back further?

 

craigycoops

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craig you need to do your research into the whys and wherefores, theres loads of threads that discuss these issues.

 

you question should really be can she do that?

 

And the answer is 'if you let her'.

 

JMHO

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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