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    • 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.  
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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 
      • 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

Paintball vs The Cooperative Bank ***WON***


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Recommended Posts

SAR sent 14 December 2006

 

Reminder letter sent 4 January

 

List of charges received 11 January 2007

 

Statements requested 11 January 2007 with reminder letter sent 17 January. Statements received 17 January 2007!

 

Spreadsheet completed requesting re-payment of Commission, Daily Excess Charge, Service Charge and some Fees, but not including Interest

 

Preliminary Request for Payment with Schedule of Charges enclosed sent 20 January 2007.

 

Will keep you all posted as to developments ...

 

P ;)

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Hi Paintball.

 

I suggest that you have a look at this link.....

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/15518-charges-description-statements-please.html

 

This is what you can reclaim.

Any charge which is a fee for a service cannot be reclaimed, and if you try to get these, your claim will probably be struck out by the courts.

 

Different banks use different descriptions for their charges. Post the question on this thread......

 

What can I claim back from Co-op Bank?

 

There are many users who have passed this stage already and wil be able to give you a definitive answer.

 

Good luck.

Regards, Rooster.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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Hi Rooster

 

I have posted a number of Qs relating to this subject, what can I re-claim from my bank in relation to charges, and based my claim on the variety of responses and plethora of information available within this site.

 

I've claimed for one Fee only: £10.00. It is not clear from my statements what this fee was for (not the usual fee for my Privilege A/C which I'm NOT claiming for, nor Visa Fee for use of ATMs when I'm abroad which I'm also NOT claiming for). I've included it in my schedule of Charges and if it's rejected then so be it.

 

What seems to be apparent from the successful claims (which I've monitored) is that the claimants have reclaimed charges that are the same as those I'm reclaiming. Phew!

 

I'm fully expecting a 'comedy letter' as my colleague/successful bank charge reclaimer CAG Buddy terms it, and that the Coop will refute some of the charges.

 

I'm awaiting the response ...

 

P :-)

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Hi Rooster

 

I have posted a number of Qs relating to this subject, what can I re-claim from my bank in relation to charges, and based my claim on the variety of responses and plethora of information available within this site.

 

I've claimed for one Fee only: £10.00. It is not clear from my statements what this fee was for (not the usual fee for my Privilege A/C which I'm NOT claiming for, nor Visa Fee for use of ATMs when I'm abroad which I'm also NOT claiming for). I've included it in my schedule of Charges and if it's rejected then so be it.

 

What seems to be apparent from the successful claims (which I've monitored) is that the claimants have reclaimed charges that are the same as those I'm reclaiming. Phew!

 

I'm fully expecting a 'comedy letter' as my colleague/successful bank charge reclaimer CAG Buddy terms it, and that the Co-Op will refute some of the charges.

 

I'm awaiting the response ...

 

P :-)

 

Seems your claiming the correct charges, Co-operative bank (Smile) tend to use various words to describe their charges. Commission is one used since the re-claiming of bank charges gained momentum, another tactic has been to split the charge e.g. Commission and daily charge. Claim everything you think is a charge, you can always defend it if they dispute it.

 

Also, while your claim is being processed keep an hawk eye on your account, I found soon as I requested the SAR, they became quite strict with my account not allowing the slightest slip. (even more so that before anyway!!)

Lloyds TSB: Settled after FO assistance

Co-operative Bank: Settled - Goodwill gesture:)

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Nads

 

Thanks for this, makes me feel a bit more secure after days of agonising over what to reclaim.

 

I've already had phone calls from Customer Care while I was waiting for my SAR data and asked them to put in writing rather than discuss. They've applied additional charges (which I've included in my Schedule) and will apply others in February. I requested that these Feb be dropped otherwise I'll take additional steps to reclaim them as I sai they are unlawful.

 

We'll see what happens.

 

Cheers to all.

 

P.

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  • 2 weeks later...

I WON!!!

Checked my online statement today and found to my great surprise and pleasure that Coop have given me a Commission Adjustment to the tune of £4764.45.

 

There is a shortfall of £114.55 from my claim and I'll give them a couple of days to send a letter of explanation. If this is not forthcoming, I'll continue with the rest of my claim.

 

Hurrah, I can pay off my debts now and make a contribution to CAG.

 

P. :D

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well done.

 

my exp letter for the refund came about 10 days after the transfer

 

dx100uk:grin:

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Letter from Coop received dated 30 January:

 

Dear xxxx

 

Account Number xxxx

 

Thank you for your correspondence. I am sorry that you have had to write in and for the delay in my reply.

 

I can appreciate that you are unhappy with the charges that have been applied to your account. As you are aware, the charges are valid and in line with the terms and conditions of your account.

 

No they're not, otherwise I wouldn't be asking for my money back and you wouldn't be paying it.

After reviewing the charges applied to your acounts. [sic] I can confirm that £4764.45 has been refunded to your account as a goodwill gesture. This will show as a credit on your next statement.

 

It was listed as Commission Adjustment.

I have diarised to waive accruing charges on 06 February 2007 so they will not be applied to your account.

 

Lady, you wouldn't be doing that if you thought the charges were valid and legally enforceable!

Please note Debit Interest was not mentioned in the statement from the Office of Fair Trading.

 

I didn't list this in my schedule of charges, so you're just point scoring there.

Please find enclosed for your information details of our complaints escalation process.

 

I hope this meets with your approval. However if you have any further enquiries please do not hesitate to contact Customer Services on 0845 212 212 we are available 24 hours a day 7 days a week.

 

Yours sincerely

 

Sue Sheehan

Customer Relations Adviser

Folks, it took me five weeks to get my money back from the Cooperative Bank.

 

Good luck to all!

 

Love P. :)

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Done and moved....sorry for delay !!

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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