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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
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poza78 v RBS - **WON**


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Hi,

 

I am currently in the process of claiming back charges from the HSBC, and I have stalled with RBS as once I closed my account with them 3 years ago I destroyed all statements and evidence that I had dealt with these thieves due to the fact that they really "screwed" me with charges while in the final year of my degree!! Thus I didn't have an account number to quote when I wrote the letter requesting my last 6 years bank statements. Once I learned about this website I wrote to RBS on 19th December and sent the £10 cheque requesting the copy statements. All mail was sent recorded delivery.

 

My worry is that they have ignored my letter and cheque and are stalling as everyday means less charges for me to claim back.

 

Any advice would be greatly appreciated.

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Not really, the day you sent your first letter recorded will be from where they have the 40 days to comply.

 

Were kinda in the same boat as I didn't have my account number either. Have a look at my thread, Bizarre.Moogle Vs RBoS.

RBoS

Settled At LBA £798

 

Barclaycard

Defence Filed, Waiting For Court Date

 

HSBC

LBA Sent 15-05-07, Still No Reply

 

Barclays

LBA Received 14-05-07, 2nd Holding Letter Sent To Me Stating Should Have Answer By 09-07-07

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Hi Poza.

 

If your cheque was only sent Jan 10th (reading from Moogle's thread) I would expect that RBS will treat the 40days from the 10th.

 

I would think they are well within their rights to do so too (unless someone disagrees?)

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Thanks but I'm still going to go into the branch if I can get out of work early and try 2 get my account number although I did spend a long time in the branch arguing so i tend to loathe the place and one or two of the staff!! even if it is 40 days from the 10th Jan I'll be expecting statements from 19th December. Will fill you in on my progress. Thanks

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You're on the right track - I've read somewhere else that the softly softly approach to lost account numbers works well...go in to the branch with I.D. (particularly if you have moved house since) and the branch staff can be quite helpful in finding things out for you. You don't need to tell them you want the info so you can sue them :D

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Thanks HydraUK I'll do that, i'm basically going to go in with copies of the 2 letters sent and ask for the girl who rang me regarding the cheque if things have progressed any further regarding the info requested. Probably will tell them a porky pie that im trying to sort out debts or something along those lines if they ask why. but what i'll do first is phone them first.

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"Reconciling your accounts" is a good excuse ;)

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Good to hear you finally got yr statements Bizarre.Moogle. I did phone my bank and the girl I spoke to said she'd forwarded the cheque onto central operations and that they would get in touch with a comprehensive list of charges during that period, i dont understand why they're not sending statements unless they're stalling and will send them anyway. I shall wait and see.

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:)

 

Hey guys,

 

great news, I received the same letter from Joyce Tudor yesterday as I didn't have my account number, thankfully they finally acknowledged receipt of the letter and cheque once I phoned the bank 2 weeks after posting my S.A.R - (Subject Access Request) due to no contact. Anyway I just went up into the loft and luckiily digged out my closing statement with RBS dated 14th Jan 2003, ironically closed with a overdraft limit exceeded charge of £20. I thought I'd destroyed everything but thank god I kept that. Right, now that I have my account number, the reply letter which BM wrote up will be going out 1st class recorded tomorrow 1st thing. And I can't believe this Joyce Tudor asked if I could also send the branch name and sort-code when my account was held, Are they completely incompetent? These details were all on the initial SAR.

 

Moogle thanks for posting the template letter :D

 

Will keep you posted hope y'all had a good weekend

 

Regards

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  • 2 weeks later...
  • 2 weeks later...
  • 1 month later...
  • 4 weeks later...

Hi BM,

 

Sorry its took a while to get back on this thread. okay so I finally received the statements and LBA was sent on 22nd March 2007 for charges of £499.99 and charges currently amounting to £167. MCOL was filed on 13th March 2007 and I received a letter today stating that they do not agree their charges can be classed as penalties and offering me £499.99 without admission of liability. I would have probably accepted the off but with the MCOL charge of £80 added this has raised the stakes and I am thinking of going after the full amount. Now I need to know the next step as this is the furthest I've gone on any of my cases. Do I need to contact the courts about this offer or do I write back stating I reject their offer? Many Thanks for all your help

 

Poza

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Go to the library, there is a whole thread on rejecting offers at different stages. Don't forget that now you are in court you are also entitled to 8% interest on top of your £499.99 and costs.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Brilliant, thanks T4FF, I'll start looking thru that right away, also do I need to inform the court about the offer as it looks like they sent this before receiving notification of the claim, however this could be another of their tactics?

 

thanks again

 

poza

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I don't know personally. Never read up on court process because never needed it (until now - Barclaycard :() I wouldn't have thought so....

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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me neither, but i expected RBS to be hard work, not as bad as Capital One, they offered me £140 goodwill gesture on a £989 claim, almost a slap in the face for writing to them. let them just wait a while!! I got my letter sorted and will be sending it first thing

 

thanks

again

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  • 3 weeks later...

okay so first the good news, they have buckled and sent me a cheque for the full amount, with the condition that I write to the courts and discontinue proceedings and not take steps to enter Judgement against the Bank.

 

Thanks for all your help cheque will be on its way once the money has been cashed!!

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  • 2 months later...

Congrats!!

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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