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    • Wayne Ting, chief executive of e-scooter firm Lime, says there's room for improvement. View the full article
    • If you are absolutely certain* that you were parked OK, write a letter of complaint to the Headteacher and copy in the Chair of the school governors.   If you or the car were identifiable in any way from the photo (eg visible registration number, driver's face etc) I would very politely write that you resent the untrue suggestion that you had parked/had stopped/were waiting in a way that contravened any traffic regulations, and that you are sure that the school will understand that you would like an apology and a correction to be printed in the next newsletter.  (You can also clearly state that you were identifiable from the photo because other parents have mentioned it to you).   See if that works.   You don't want to go to court for defamation as you'll need access to about £10k in fees before you get out of bed.  You just want an apology and a correction.  If what you've told us is accurate, I don't see any reasonable school failing to say sorry.     *My wife is a former school governor and my experience listening to her is that very very few parents actually understand the meaning of the no stopping/no waiting signs and road markings outside schools.  Don't complain unless you are sure you weren't stopped where you shouldn't have been.
    • And they haven't offered a speed awareness course either?  (Have you done one in the last three years or is this in Scotland?)   And is one of the notices for 34 in a 30?  As Man in the Middle says, that ought to be below the level at which they take action.   (And sorry - I don't want to appear preachy - but...  there don't have to be any warnings or signs or lines on the road to advise you of the presence of speed cameras.  If you get away with an exceptional hardship argument you will need to stick to speed limits in future - whether you know there are cameras there or not.  NB Don't know if this applies to you, but most 30 mph limits are restricted roads with a system of streetlighting and don't even need speed limit signs - you are assumed to know this from the Highway Code).
    • It's up to you if you want to pay £300 you don't owe plus whatever Unicorn Food Tax with no basis in law whatsoever that they will have made up in the Letter Before Claim.   We'd prefer you didn't.   But you have received a LBC so it's make your mind up time.   So please    - post up photos of the signage in the dark that you'll have taken two months ago (post 14)    - post up details of planning permission for their signs you'll have found out after you got onto the council, again two months ago (again post 14)    - also let us know if you agree with Brassnecked's excellent letter or if you'd like to tweak bits depending on what you've found out    - upload the LBC.  Some of them are appallingly drafted and invariably contain Unicorn Food Tax which is all useful extra ammo    - also, where are you living now (post 35) and are you comfortable with legal communications arriving at your parents'?   If you look in our PPC Successes thread at the top of the page, you will see 275 times these cheats have been seen off with their tails between their legs (and all had the same "well known legal companies" (ho! ho!) on hand).  In reality 275 times is a massive underestimate, in all 275 cases there was a "moment of victory" IYSWIM where the PPC were thrashed in court or discontinued a claim or were called off by a supermarket chain, etc., etc.  There will have been at least that number again where they were told to Foxtrot Oscar and then crawled back under their stone.  They are eminently beatable but logically when you're in legal dispute you have to put some graft in to beat the other party.
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Noobrider V Abbey take 2 *** WON ***


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OK having successfully collected £4340.00 I am now going to recover my wifes bank charges and the remainder of what was on my account that I calculated from the microfiche statements that cameafter the claim was submitted to the courts. This is a biggy over £7000 so will be going fast track. But before I issue the court summons I put together this letter as I haven't sent anything to them regarding this since October.

 

Customer Satisfaction Centre

Abbey PLC

PO Box 5129

Milton Keynes

MK9 2YN

 

 

25th January 2007

 

 

FINAL LETTER BEFORE COURT ACTION

 

 

Account Numbers ******** & *******

 

 

Following several letters of correspondence with yourselves regarding the recovery of the unlawful bank charges deducted from the above two accounts and the successful recovery of £4340.59 already through the county courts via case number 6QZ69704, I am requesting that all bank charges from all of my accounts are now returned within the next 14 days.

 

 

As you are no doubt aware, there has been considerable media coverage of the unlawfully deducted bank charges and in particular that the Office of Fair Trading are conducting a full investigation into the matter further backed by the Houses of Parliament. Therefore you may wish to consider this matter carefully. As you can see I have already successfully recovered one set of charges from yourselves and have funded court action against you. I am committed to fund further Fast Track court action in the recovery of the final amount of bank charges and respectfully request you treat this matter with the utmost urgency and seriousness.

 

 

You may notice that part of this claim covers an account from which the successful court action obtained a settlement. However, that particular claim was made using documentation supplied by yourselves which was incomplete at the time. You failed to comply with a Data Protection Subject Access Request in time for the full amount to be claimed and therefore I will be bringing a separate action for these charges and amalgamating them with the other account number.

 

 

 

 

To date, I have not disclosed details of my successful action against you to the press, nor have I complained to the courts on the conduct of your dealings with the claim. Due to the delaying tactics I and many other customers have experienced, the courts are already unhappy with Abbey's conduct and I will disclose all information regarding your conduct of the matter should you choose to conduct yourselves in the same manner as my previous claim to both courts and the FSA.

 

 

To aid you with the settlement of this request I have enclosed all previous correspondence together with schedules of the charges I am reclaiming. The previous correspondence details the laws and reasons I am reclaiming these charges and I would strongly suggest you clarify this with your legal representative Inga Kirkman at your Registered Office in London who was in charge of my successful claim.

 

 

 

 

I calculate in total you have taken £7073.00. I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice. Please note that the interest would amount to a further £1168.00 at todays date and it is therefore in your best interests to settle at the earliest.

 

 

Yours Sincerely

 

 

Anyone any thoughts?

Abbey £4340.59 *WON* Jan 07

 

Abbey II MCOL 31/03/07 £8800.00

 

Please note..I AM NOT AN EXPERT ANYTHING WHAT I POST IS PURELY MY OPINION AND MAY BE WRONG IT IS JUST BASED ON MY UNDERSTANDING OR EXPERIENCE

 

Read my latest claim its a fast track potentially

http://www.consumeractiongroup.co.uk/forum/abbey-bank/61406-noobrider-abbey-take-2-a.html?highlight=noobrider

 

read my first claim which includes attending a directions hearing in court

http://www.consumeractiongroup.co.uk/forum/abbey-bank/10576-noobrider-abbey.html?highlight=noobrider

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Is there no stopping him now? :D

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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LOL thanks Frenchy, you should be very close yourself now, been keeping up with your thread for a while now, best of luck.

Abbey £4340.59 *WON* Jan 07

 

Abbey II MCOL 31/03/07 £8800.00

 

Please note..I AM NOT AN EXPERT ANYTHING WHAT I POST IS PURELY MY OPINION AND MAY BE WRONG IT IS JUST BASED ON MY UNDERSTANDING OR EXPERIENCE

 

Read my latest claim its a fast track potentially

http://www.consumeractiongroup.co.uk/forum/abbey-bank/61406-noobrider-abbey-take-2-a.html?highlight=noobrider

 

read my first claim which includes attending a directions hearing in court

http://www.consumeractiongroup.co.uk/forum/abbey-bank/10576-noobrider-abbey.html?highlight=noobrider

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well done noobrider on you success, you are taking them on and winning.

 

Could you give me some advice for my own battle? i am a little confused to the wording on the witness statement i need to prepare. I found a example and it says at the bottom:

 

Statement of Truth

I believe the facts stated within this Witness Statement to be true and exhibit Exhibits [your initials 1] comprising of xx pages

 

 

..er not wantng to appear thick but is this my court bundle it refers to completed with a full 94 pages??

 

Anyone??

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Personally I would take that line out. I typed a statement and attached it to a court bundle. The bundle itself had a front page that gave all the page numbers and what each referred to.

Abbey £4340.59 *WON* Jan 07

 

Abbey II MCOL 31/03/07 £8800.00

 

Please note..I AM NOT AN EXPERT ANYTHING WHAT I POST IS PURELY MY OPINION AND MAY BE WRONG IT IS JUST BASED ON MY UNDERSTANDING OR EXPERIENCE

 

Read my latest claim its a fast track potentially

http://www.consumeractiongroup.co.uk/forum/abbey-bank/61406-noobrider-abbey-take-2-a.html?highlight=noobrider

 

read my first claim which includes attending a directions hearing in court

http://www.consumeractiongroup.co.uk/forum/abbey-bank/10576-noobrider-abbey.html?highlight=noobrider

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  • 2 months later...

OK boys and girls Not been around much as I have been incredibly busy. Got promoted at work and have helped 4 other people recover their charges from their banks. I finally got round to submitting my claim on line and It's gone up a bit. £8800... cost me £250 to submit but I know its worth every penny. Here we go again.....fast track this time...

 

Got no responce from the above letter but then I didn't really expect one.

 

I've been investigating all my finances and it looks like I have a few more claims in the pipeline.

 

Welcome finance...bought a car with the obligatory PPI insurance 5 years ago. The policy is a joint one for me and the wife....the wife doesn't and hasn't worked...so that was mis sold. Couple of grand there I think.

 

Same with a loan 3 years ago...more PPI mis sold.. I'll have some of that thank you.

 

PS. The new bike is running beautifully, the new PC is awesome... The kids all got a PC each and my new house got carpets and loads of nice stuff. Life doesn't get much better than this....I'm debt free paid all my bills and I feel like I haven't a care in the world.

Abbey £4340.59 *WON* Jan 07

 

Abbey II MCOL 31/03/07 £8800.00

 

Please note..I AM NOT AN EXPERT ANYTHING WHAT I POST IS PURELY MY OPINION AND MAY BE WRONG IT IS JUST BASED ON MY UNDERSTANDING OR EXPERIENCE

 

Read my latest claim its a fast track potentially

http://www.consumeractiongroup.co.uk/forum/abbey-bank/61406-noobrider-abbey-take-2-a.html?highlight=noobrider

 

read my first claim which includes attending a directions hearing in court

http://www.consumeractiongroup.co.uk/forum/abbey-bank/10576-noobrider-abbey.html?highlight=noobrider

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PS. The new bike is running beautifully, the new PC is awesome... The kids all got a PC each and my new house got carpets and loads of nice stuff. Life doesn't get much better than this....I'm debt free paid all my bills and I feel like I haven't a care in the world

 

Well done, it's a great feeling

Nat West Settled 2 acct's before action:

 

£2194.77 settled £1904.00 08/01/2007 less interest

£650.93 Settled overpaid GOGW £850.00 02/01/2007

 

Applied Abbey statements -40 day up 24/04/06(arrived 30/06/06)

Prem 04/01/2007 - reply rcvd 22nd Jan advising not paying

LBA 22/01/07

 

14/02/07 N1 filed @ local court

21/02/07 issued claim

23/02/07 deemed served

25/02/07 Abbey acknowledgement defend in full.

19/03/07 defence + 50% GOGW

13/04/07 AQ final day for submission

30/04/07 DEFENCE STRUCK OUT "ABUSE OF PROCESS"

01/05/07 Judgement order

8/05/07 Warrant of Execution requested

 

 

Media coverage :D

 

http://news.bbc.co.uk/1/hi/business/6701231.stm

 

http://www.newburytoday.co.uk/News/Article.aspx?articleID=4505

 

 

If you find my post helpfull then please click my scales:)

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Glad to see you back Noob :D

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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  • 2 weeks later...

Timeline update....

 

Today Abbey acknowledged claim...seems rather speedy for them within 7 days of the date served...maybe this one may be a quick one....

Abbey £4340.59 *WON* Jan 07

 

Abbey II MCOL 31/03/07 £8800.00

 

Please note..I AM NOT AN EXPERT ANYTHING WHAT I POST IS PURELY MY OPINION AND MAY BE WRONG IT IS JUST BASED ON MY UNDERSTANDING OR EXPERIENCE

 

Read my latest claim its a fast track potentially

http://www.consumeractiongroup.co.uk/forum/abbey-bank/61406-noobrider-abbey-take-2-a.html?highlight=noobrider

 

read my first claim which includes attending a directions hearing in court

http://www.consumeractiongroup.co.uk/forum/abbey-bank/10576-noobrider-abbey.html?highlight=noobrider

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Hi Noob

 

Your "good feeling" has rubbed off on me.:D

 

Got a letter today from abbey letting me know they are not renewing my O/D limit for £1150 as of 1st June. Great - seeing as I'm over £999

into it :rolleyes:

 

My AQ went in on 11th April - so in the words of Diana Ross "I'm still Waiting":p

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best of luck Cassie, not too long now

Abbey £4340.59 *WON* Jan 07

 

Abbey II MCOL 31/03/07 £8800.00

 

Please note..I AM NOT AN EXPERT ANYTHING WHAT I POST IS PURELY MY OPINION AND MAY BE WRONG IT IS JUST BASED ON MY UNDERSTANDING OR EXPERIENCE

 

Read my latest claim its a fast track potentially

http://www.consumeractiongroup.co.uk/forum/abbey-bank/61406-noobrider-abbey-take-2-a.html?highlight=noobrider

 

read my first claim which includes attending a directions hearing in court

http://www.consumeractiongroup.co.uk/forum/abbey-bank/10576-noobrider-abbey.html?highlight=noobrider

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Hello Noob

 

All the best, mate, with your second claim! Go Get 'Em!

 

I hope you don't mind, but of late a lot of people have been getting quite worried as they all seem to be getting rather close to the date of their 'Directions Hearing' of late, and I keep directing them to your first thread to show them how its done and how to deal with it!

 

Hope this is OK?

Phil:)

This is only my personal, honest opinion!

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Absolutely Phil and if anyone wants to PM me then they are more than welcome to.

 

I tried including a link to my cases in my signature but it no longer seems to be working.

Abbey £4340.59 *WON* Jan 07

 

Abbey II MCOL 31/03/07 £8800.00

 

Please note..I AM NOT AN EXPERT ANYTHING WHAT I POST IS PURELY MY OPINION AND MAY BE WRONG IT IS JUST BASED ON MY UNDERSTANDING OR EXPERIENCE

 

Read my latest claim its a fast track potentially

http://www.consumeractiongroup.co.uk/forum/abbey-bank/61406-noobrider-abbey-take-2-a.html?highlight=noobrider

 

read my first claim which includes attending a directions hearing in court

http://www.consumeractiongroup.co.uk/forum/abbey-bank/10576-noobrider-abbey.html?highlight=noobrider

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Timeline update, received the letter from the court confirming that Abbey have acknowledged and intend to defend in full. They now have until 11th may to submit their defence...oh well lets go and find something interesting to do for a bit then.

Abbey £4340.59 *WON* Jan 07

 

Abbey II MCOL 31/03/07 £8800.00

 

Please note..I AM NOT AN EXPERT ANYTHING WHAT I POST IS PURELY MY OPINION AND MAY BE WRONG IT IS JUST BASED ON MY UNDERSTANDING OR EXPERIENCE

 

Read my latest claim its a fast track potentially

http://www.consumeractiongroup.co.uk/forum/abbey-bank/61406-noobrider-abbey-take-2-a.html?highlight=noobrider

 

read my first claim which includes attending a directions hearing in court

http://www.consumeractiongroup.co.uk/forum/abbey-bank/10576-noobrider-abbey.html?highlight=noobrider

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Foxy, no dont bloody menion Foxes at the moment, they are going down!!

 

 

Anyway, i am on my third claim with them and they still havnt closed the account LOL

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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thanks lula, do i need to update my spread sheet weekly as the intrest is going up daily also should i claim back the money for ink and time etc for getting my court bundle together.

 

I have not notified court that abbey paid £275.00 into my account as a goodwill gesture back in March (yes i did write back saying no i did not accept it)

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  • 2 weeks later...

ok received Abbey's standard defence this moring, funny though I sent James an email asking for them to deal with the claim seriously and I didn't want to see standard letters and enclosed a copy of their last defence....this one is exactly the same.

Abbey £4340.59 *WON* Jan 07

 

Abbey II MCOL 31/03/07 £8800.00

 

Please note..I AM NOT AN EXPERT ANYTHING WHAT I POST IS PURELY MY OPINION AND MAY BE WRONG IT IS JUST BASED ON MY UNDERSTANDING OR EXPERIENCE

 

Read my latest claim its a fast track potentially

http://www.consumeractiongroup.co.uk/forum/abbey-bank/61406-noobrider-abbey-take-2-a.html?highlight=noobrider

 

read my first claim which includes attending a directions hearing in court

http://www.consumeractiongroup.co.uk/forum/abbey-bank/10576-noobrider-abbey.html?highlight=noobrider

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They must have been busy changing names on the templates that they have for thir defence! At least six of us have received the same defence this week!

 

Mine was signed by Willem Basson - Paralegal, (good job he typed his name' I'd never have guessed what it was from the signature!

 

Who signed yours?

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same guy, Willem Basson

Abbey £4340.59 *WON* Jan 07

 

Abbey II MCOL 31/03/07 £8800.00

 

Please note..I AM NOT AN EXPERT ANYTHING WHAT I POST IS PURELY MY OPINION AND MAY BE WRONG IT IS JUST BASED ON MY UNDERSTANDING OR EXPERIENCE

 

Read my latest claim its a fast track potentially

http://www.consumeractiongroup.co.uk/forum/abbey-bank/61406-noobrider-abbey-take-2-a.html?highlight=noobrider

 

read my first claim which includes attending a directions hearing in court

http://www.consumeractiongroup.co.uk/forum/abbey-bank/10576-noobrider-abbey.html?highlight=noobrider

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  • 2 weeks later...

well I thought I would ring my local court to see what was happening as I would have expected to have heard something from them by now. After a bit of a run around I finally had to speak to Northampton. Apparently they have been especially busy lately and had to employ some extra overtime especially over the weekend so I should hear something this week.

 

Looking forward to what course of action my local court will impose.

Abbey £4340.59 *WON* Jan 07

 

Abbey II MCOL 31/03/07 £8800.00

 

Please note..I AM NOT AN EXPERT ANYTHING WHAT I POST IS PURELY MY OPINION AND MAY BE WRONG IT IS JUST BASED ON MY UNDERSTANDING OR EXPERIENCE

 

Read my latest claim its a fast track potentially

http://www.consumeractiongroup.co.uk/forum/abbey-bank/61406-noobrider-abbey-take-2-a.html?highlight=noobrider

 

read my first claim which includes attending a directions hearing in court

http://www.consumeractiongroup.co.uk/forum/abbey-bank/10576-noobrider-abbey.html?highlight=noobrider

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Go on Riding Noobrider. Take it niceand easy enjoy the ride a second time around, I have my fingers crossed for you. I wish you loads ah luck

 

ANDY VS ABBEY

ANDY VS ABBEY 23rd April 2007 -

 

'Don't get mad, get even'

'Patience is a virture'

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cheers pal

Abbey £4340.59 *WON* Jan 07

 

Abbey II MCOL 31/03/07 £8800.00

 

Please note..I AM NOT AN EXPERT ANYTHING WHAT I POST IS PURELY MY OPINION AND MAY BE WRONG IT IS JUST BASED ON MY UNDERSTANDING OR EXPERIENCE

 

Read my latest claim its a fast track potentially

http://www.consumeractiongroup.co.uk/forum/abbey-bank/61406-noobrider-abbey-take-2-a.html?highlight=noobrider

 

read my first claim which includes attending a directions hearing in court

http://www.consumeractiongroup.co.uk/forum/abbey-bank/10576-noobrider-abbey.html?highlight=noobrider

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OK, today received the Notice of Transfer of Proceedings together with an order from the Northampton judge stating:

 

Between Noobrider and Abbey

 

without hearing

IT IS ORDERED THAT:-

 

1. The filing of an allocation questionaire be dispensed with in this case unless the district judge at the court of transfer orders otherwise.**

 

Note: Any party affected by this order may under rule 3.3 (5) apply to have it set aside, varied or stayed. Such a party must apply under rule 23.3 within 14 days of service of this order.

 

** Please note that an allocation fee may be payable in this instance. Please contact the court of transfer for further details.

 

date order drawn 05/05/07

 

I will now be writing to the court asking for the defence to be struck out as per the new strategy.

 

Could be a fairly quick one here. Here's hoping.

Abbey £4340.59 *WON* Jan 07

 

Abbey II MCOL 31/03/07 £8800.00

 

Please note..I AM NOT AN EXPERT ANYTHING WHAT I POST IS PURELY MY OPINION AND MAY BE WRONG IT IS JUST BASED ON MY UNDERSTANDING OR EXPERIENCE

 

Read my latest claim its a fast track potentially

http://www.consumeractiongroup.co.uk/forum/abbey-bank/61406-noobrider-abbey-take-2-a.html?highlight=noobrider

 

read my first claim which includes attending a directions hearing in court

http://www.consumeractiongroup.co.uk/forum/abbey-bank/10576-noobrider-abbey.html?highlight=noobrider

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