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    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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    • If you are buying a used car – you need to read this survival guide.
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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.

      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 
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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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Capital bank (Bank of Scotland)


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Sent my prelimenary letter to Capital bank regarding the £400 in charges and today got a very serious message on my mobile telling me its VERY urgent I return the call!!!

 

The urgency was they have recieved my letter and it was too tell me i was very silly and the charges were all legal, they wouldnt be getting returned and they would not be contacting me by letter regarding this issue. Then she went on to ask me to explain WHY the charges are illegal. I said its all in the letter............well I dont have it in front of me she said so can U explain. I said well im not a lawyer and I dont have the info in front of me but can u give me a breakdown of how it costs you £30 to send a letter saying a DD was returned??? NO she said I dont have to!!! Then she 'Strongly' advised me to take my T's&C's into a lawyer so he can point out to me what a fool I am and how they are right etc etc

 

That will be that then lol, im guessing this is where I send my Letter before action???

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Sounds like they are getting a bit p7ssed off with all the returns they are having to do and seeing their bonuses reducing.....shame really:rolleyes:

06th April 2006 Statements requested for last 6 yrs:

Bank of Scotland: Current account Breaching DPA

Royal Bank of Scotland: Style Breaching DPA

Capital One: Mastercard Request for £499.23 on the 17th April. £40 refunded to account on 26th April. Small claim hearing 27th June. Full refund and interest 24th May.

Coop: Crashed and burned into giving in Full and final offered 16 days after LBA ;)

 

Thats enough just now, more to come though

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  • 1 month later...

is it 'moneyclaim'...? Is this action in Scotland? I thought we couldn't use moneyclaim..?

 

Thanks:confused:

Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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Hi m8, is this Capital Bank that do the car finance etc? I finished paying off my car with them in December even though I got hammered with charges over the years. If it is the same could you post their address please 'cause I don't have any of the paperwork anymore, binned it all.

 

As for the Moneyclaim thing if you live in Scotland you more or less have to go through the Scottish system, the sherrif court, I'm afraid.

BOS Prelim : 19/06/06 Owed : £382: offered £90.LBA sent 02/07/06, Delivered: 04/07/06. Offer increased to full £382 but with condition. Settled 4/11/06.

Data Protection Act sent to BOS CC : 19/06/06. Acknowledged : 03/07/06 Statements Received : 11/07/06 owed £845

Statements received for closed BOS account: 27/07/06, Owed £2596.52

First claim on closed BOS account now started - £735 Prelim received 7/11/06 LBA sent 5/12/06, Offered Full £735 but with conditions. Claim filed 22/01/07

CapitalOne-£1247, settled in full.

LloydsTSB- £910, sttled in full.

 

LET BATTLE COMMENCE

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I don't think so... this is Capital One... Sorry

Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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sorry! Thought you were asking me! Wait for an answer from OP. Might be. Yes - I thought you couldn't use moneyclaim in Scotland.

Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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You're right, you cant. Check the sticky at the top of the scotland forum for the relevant paperwork.

RBoS:

Student Current Account: £300

Current Account: £100

Total = £400

 

  • Statements requested 3/4, Received 26/4.
  • Pre-lim letter sent for both accounts 29/5.
  • 'Bugger-off' reply received 7/6.
  • LBA Hand delivered to Branch Manager 9/6
  • Reply received and ensuing email conversation terminated 21/6.
  • Claim Filed with Edinburgh Sheriff court 27/6.

  • Return Date is 01/08, Hearing Date 08/08!
  • Letter REcieved 2/8 offering £280, Declined.
  • Phone call same day offering full amount + fees.


RESULT!!

 

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Hi WSM36

 

Yup Its Capital bank car finance, Ive been having a nightmare with my claims I had to move house and my Ex Cleared the house out with all my bank charges info laptop with all my details etc so im having to start from scratch again.......here is the address I was dealing with.

 

Capital Bank accounts dept

City house

City Road

Chester

CH88 3AN

 

0845 60000655 is a phone number I have, not sure which dept tho.

 

Cheers

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Thanks Steve that's the very one I want, you're a star. I knew I should have kept those letters.

BOS Prelim : 19/06/06 Owed : £382: offered £90.LBA sent 02/07/06, Delivered: 04/07/06. Offer increased to full £382 but with condition. Settled 4/11/06.

Data Protection Act sent to BOS CC : 19/06/06. Acknowledged : 03/07/06 Statements Received : 11/07/06 owed £845

Statements received for closed BOS account: 27/07/06, Owed £2596.52

First claim on closed BOS account now started - £735 Prelim received 7/11/06 LBA sent 5/12/06, Offered Full £735 but with conditions. Claim filed 22/01/07

CapitalOne-£1247, settled in full.

LloydsTSB- £910, sttled in full.

 

LET BATTLE COMMENCE

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  • 2 months later...

Can I stoke this thread alive again....

I sent Capital Bank an RD letter in July to the address above, giving them the 40 days notice to respond with the relevant information of the charges applied to the account over the years. The letter was signed for the next day, but there was no formal reply on any kind - they may have tried to phone but I block anonymous calls.

 

I now discover they've moved to a new address in Chester (not City Road) so I'm wanting to reactive the original demand, or even get them as a default response - as HBOS still operate from that address (the letter was sent to the Chief Executive).

 

Any good ideas on what I should do next to keep them on thier toes?

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  • 1 month later...

MCOL is not recommended, if the action is defended you can lose big time if they use the system to delay and rechedule. Taking action in the correct jurisdiction saves problem later, as it's one less thing to worry about.

 

As to has anyone 'won' I've now received my SAR (and for free) so an action will be prepared once the numbers are crunched!

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  • 3 weeks later...
  • 1 month later...

hi all, new member today, just sent my 1st letter off to them. A certain (most likely) made up Mr G. Stanfield.

 

Also a copy to the banking ombudsman...

 

great site!!

used Govan Law Centre last year for a successful claim of £700 at first attempt, although im hearing Capital are much harder to win with.....we shall see....

 

 

 

that Charterhall address is the new one 100%, so defo correct.

 

Who is Capital Bank Chief Exec?, anyone know??

 

 

My story is a cracker... :

 

They sent 5 letters demanding over 100pounds in letter sending charges after i missed a DD on xmas eve......TO THE WRONG ADDRESS!!!

 

My old neighbor delivered them to me and even though they then sent a 6th letter to my correct address, they kept on the charges knowing they had sent to the wrong address.....

 

keeping aside the whole issue of unfair charging, this is total scumism.

 

may actually just throw my car keys in an envelope and tell them to ram it, as im 50% thru my payments anyway...

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thanks!

 

i must admit i am tempered a little...heres why

 

on my previous repsonse from BOS, they said they will review all my current banking situations with them in light of any further claims..., and close down all my accounts.

 

i have a 1500 pounds overdraught, so dont want to risk having to pay that all back at once..

 

is this threat legal, and do you think this new Capital letter will be enough for them to go ahead with the threats?

 

thanks again

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No CEO to my knowledge. All back office work at Capital Bank is now proivded by Halifax, and all SARs go to them. My last S.A.R - (Subject Access Request) was incomplete and I'm not happy with ther responses.... welcome to the club!

 

 

Tony Baker, director of operations, Capital Bank Motor Finance

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  • 5 months later...

I have fallen behind with some payments with capital bank PLC. We are in a position to clear them off now but are still only 23rd's through the agreement can they take the car back. If it went to court and we said we had cleared the arrears off and would keep up to date what would happen.

 

Also can they close the account if i claim the charges back, as i have had over £150 added in 3 months. I am happy to deduct the amount from the balance of the agreement.

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  • 1 month later...
  • 6 months later...

unsure if you guys know, but Capital Bank falls under BoS Corporate therefore your big buddy would be Peter Cummings CEO of Corporate..Dont have an email address but send to [email protected] and ask him to forward to Peter...I did and got a personal response from Peter Cummings!

 

The joys of bein an ex employee...Nice insider info lol

 

:D

-----------------------------------------------------------------------

UNTIL MY CASES ARE RESOLVED/WON IM GOING TO KEEP MY SIGNATURE BLANK AS IM AWARE THE BANKS TEND TO TRAWL ON SOME OF THESE FORUMS AND AS MY CASE IS A LITTLE COMPLEX IT WOULD BE EASILY SPOTTED

 

DONT WORRY - THE INFO SHALL RETURN ONCE THE CASE IS RESOLVED/WON

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