Jump to content


  • Tweets

  • Posts

    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • 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.  
  • Recommended Topics

  • 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
  • Recommended Topics

Some help please!?


Fairycakes
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6261 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

I have today received a letter from First Direct offering £1804 as full and final settlement against my £2179.00 claim. The deadline after the lba was today, so I was going to proceed with my claim.

 

What should I do, should I file a claim with the courts anyway or send the standard letter back to them, saying that I except it but as part payment and then give them another 14 days to respond to it? As they have hit the deadline, should I send the letter, or ignore it? I would like to get all of it back if I can, as I feel I'm entitled to all of it and there's another £375.00 to come yet.

 

Sorry but I'm not sure what's best at this stage and whether to go ahead and file a claim with the courts or whether I should give them another chance and send the letter of rejection but extend the timescales?

 

Any advice would really help me! thanks!!!!

Link to post
Share on other sites

Hi Fairycakes,

 

As much as this advice helps, if it was my money I would stick to my guns and go the whole hog. If you went to Tesco and they overcharged you £375 you wouldn't let it lie (sorry Vic Reeves!), so why should you let a bunch of gits like FD have your cash. I've just started out against them and intend to go to court if I need to.

 

Good luck

 

Dubliner

[sIGPIC][/sIGPIC]

 

First Direct - S.A.R - (Subject Access Request) sent 29/12/06

Statements recieved 15/1/07 - >£3000 owed

Prelim sent 16.01.07

Partial offer received 01.02.2007

LBA and letter rejecting paltry offer sent 02.02.2007

MCOL filed mid Feb 07

AQ 26th March

 

 

BoS - S.A.R - (Subject Access Request) sent 29/12/06

Statements received 1.02.2007 - Prelim sent 02.02.2007

Link to post
Share on other sites

Hi Dubliner

 

Yes absolutely I agree with you 100%. I just don't know whether I should send a letter now giving them another 14 days to respond for the full amount or skip that and just file a claim with the courts.

 

The deadline was today, so not sure whether I should just forget the letter and go straight for the claim.

 

Good luck with your claim!

Link to post
Share on other sites

Well I've decided to go ahead with the claim and ignore the letter from FD. Think it's best to stick to the deadlines.

 

However, I am absolutely terrified of what I'm getting myself into. I've been reading through the site for months but still don't feel I really know what I'm doing once I submit the court claim. I have to get a court bundle together and all these things seem to be worrying me as I have no idea what I'm doing!! I've also seen posts about an AQ and other things!?!

 

Does anyone have any advice to give? any help would be appreciated as I am rather confused about everything at the moment!

Link to post
Share on other sites

If it's any help FD offer to me was about £300 short and I sent them a letter accepting part payment and asking for the rest. That was Thursday and today I received a offer for the whole amount.

You could get them an additional 7 days to give you all your money.

:)

First Direct Gold Visa : WON £120 after LBA:)

First Direct Account : WON £2087.50 after declining first offer and asking for FULL amount:)

Tesco Visa: Sent LBA:|

Nationwide :Filed MCOL 22/01:o They are defending 9What a surprise!):razz:

Link to post
Share on other sites

Good luck Fairy, I'm watching with interest. I'll probably go the same road. Keep the faith

[sIGPIC][/sIGPIC]

 

First Direct - S.A.R - (Subject Access Request) sent 29/12/06

Statements recieved 15/1/07 - >£3000 owed

Prelim sent 16.01.07

Partial offer received 01.02.2007

LBA and letter rejecting paltry offer sent 02.02.2007

MCOL filed mid Feb 07

AQ 26th March

 

 

BoS - S.A.R - (Subject Access Request) sent 29/12/06

Statements received 1.02.2007 - Prelim sent 02.02.2007

Link to post
Share on other sites

Hi Dubliner10, thanks! I've been putting the particulars of claim together and feel I'm doing well with it. I'm not rushing it, I'm just researching what others have done and then I can make sure I have a very good claim. I'm more determined than ever now and will make sure they pay back every single penny...

 

Good luck with your claim!

Link to post
Share on other sites

  • 2 weeks later...

Filed my claim and received a notice that the defendant has filed an acknowledgment of service. FD are going to defend all of the claim. Pretty much what I expected to be honest. It says they have 28 days to file a defence.

Link to post
Share on other sites

Hi Fairycakes,

 

Have to file my claim if I don;t hear from them in the next week.

Did you use MCoL and if so was it relatively easy?

 

Have stashed away my £120 for the fee.

 

Dub

[sIGPIC][/sIGPIC]

 

First Direct - S.A.R - (Subject Access Request) sent 29/12/06

Statements recieved 15/1/07 - >£3000 owed

Prelim sent 16.01.07

Partial offer received 01.02.2007

LBA and letter rejecting paltry offer sent 02.02.2007

MCOL filed mid Feb 07

AQ 26th March

 

 

BoS - S.A.R - (Subject Access Request) sent 29/12/06

Statements received 1.02.2007 - Prelim sent 02.02.2007

Link to post
Share on other sites

Hi Dubliner10

 

No, I didn't use MCOL. Not sure if it was only me but I had real problems with it and it was driving me totally mad! So, I used the N1 claim form instead and attached my schedule of charges. I found it so much easier to be honest. It's a more detailed claim than what you would put on MCOL as you are limited to the amount of characters you can use online which makes it a bit tricky.

 

There's a standard template you can use for the N1 form and I just sent a cheque off with 2 copies of the form. I got a notice of issue from the courts a couple of days later. It was all quite simple! (so far anyway!!)

 

So good luck with filing your claim. It's all very nerve racking isn't it but we've come this far now and we're entitled to all of our money back! You never know, they may pay up before you have to file a claim. Although I have to say, it seems they're doing all they can not to pay up early!

 

Fairycakes

Link to post
Share on other sites

  • 2 weeks later...

I've received my notice of issue from the courts and the bank has until the 19th feb to reply. I haven't heard anything at all from them and the deadline is Monday.

 

As I haven't had anything in the post today, I thought it's unlikely that I will get anything Monday. Has anyone else had this with FD solicitors? I must admit, I thought I would atleast hear something, ie receive an acknowledgement of service or something but so far there's been nothing!

Link to post
Share on other sites

Not to worry, you will be OK.

 

They will more than likely cough up soon. You will more than likely have to do a AQ (costs an extra £100 normally, but you will get this back) and then they settle. Out of all my cases I have done, Abbey were the only one that went to a Court Bundle stage, and they settled on Thursday (that claim was started in June 2006, my longest claim!)

 

Don't worry, and just wait for your money!

Link to post
Share on other sites

  • 2 weeks later...

Help please!

 

I've had a letter from DG Solicitors today, offering a refund of the money and all the 8% interest (well, all of the claim bar £30). However, they have put the following paragraph in:

 

'That payment is made in full and final settlement of your claims arising from the charges applied to your account in the period referred to above and by accepting this payment you agree not to make any other claims relating to charges for the period stipulated above blar blar blar...

 

What worries me is the bit about 'not making another other claims relating to charges in that period'. A request has already gone off for the statements on 2 other accounts at FD, so this would have an impact.

 

What should I do? Send a letter back saying I accept the offer in full and final settlement on that account only?

 

Can anyone help with this please? The deadline for the solicitors to defend the claim or pay up is this Tuesday and this letter was received today.

Link to post
Share on other sites

offering a refund of the money and all the 8% interest (well, all of the claim bar £30).

Does this include court fees? If so and you want to accept the offer you can send your own acceptance letter (amend as you want0

 

Date

Dear Whoever

Ref: Your Offer of Settlement

 

Account: xxxxxxxx

Sort Code xx-xx-xx

Claim No: XXXXX in XXXX County Court

 

I acknowledge receipt of your letter date xx/xx/xx and your settlement offer of £XXX

 

I accept your offer as full and final settlement only for this claim of bank charges made on my account between xx/xx/xx and xx/xx/xx(dates of first and last charge)

 

I accept this offer without prejudice and I reserve the right to make any further claims should you apply future charges that may be considered unlawful under common law or in violation of the Unfair Terms in Consumer Contracts Regulations 1999 or Unfair Contract Terms Act 1977.

 

I will be willing to withdraw my claim and will send a Notice of Discontinuance to the Court upon receipt of unconditional full settlement of my claim

 

I am also not prepared to agree to any confidentiality clauses you try to impose, unless of course your client wishes to make an offer of due consideration in addition to the amount of £xxxxx, in order to be afforded this privilege by myself.

 

I trust that you will find this arrangement acceptable.

 

Yours Sincerely

Link to post
Share on other sites

Hello Michael, many thanks for your help with this.

 

Yes, the money they offered was the penalty charges plus interest plus court costs and the amount they have offered only falls short by £30.

 

Thank you very much for that letter I will send that off. However, I am unsure about the last paragraph and the charge for the confidentiality issue? Should I put this and how much!?

 

Thanks again!

Link to post
Share on other sites

I am also not prepared to agree to any confidentiality clauses you try to impose, unless of course your client wishes to make an offer of due consideration in addition to the amount of £xxxxx,(this is the amount of the settlement offer, not an amount for your confidentiality) in order to be afforded this privilege by myself.

Link to post
Share on other sites

OOPS! of course! Thanks Michael very much for all your help. I am getting the letter ready now.

 

Just out of interest, if I don't hear back from them early next week, should I contact the courts? Their deadline to defend is Tuesday?

 

Many thanks again

Link to post
Share on other sites

  • 2 weeks later...

Success!! I'm over the moon to say the least...I've just come back from a very nice weekend away to find a letter from DG solicitors and payment in my bank account for the full amount plus interest.

 

Many thanks to everyone for their help and advice. I will most certainly be donating to this fantastic site!

 

Now for a glass of wine or two and on to the next claim :)

 

Good luck to everyone who's claiming back their bank charges!

 

Cheers!!!!

Link to post
Share on other sites

Excellent!!

 

Please complete the bank survey……….cheers for the donation.

 

See here for advice after settlement:

http://www.consumeractiongroup.co.uk/forum/general/7261-when-you-get-your.html

 

Please PM a Mod with details of your settlement for the Litigation Concluded forum

 

Congratulations. Enjoy the dosh!!!

  • Haha 1
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...