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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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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
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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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HSBC Paid Up


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Hi. I wasn't going to post until the whole thing was over, and its over so quick!

 

HSBC helped themselves to some hundreds of pounds of my money in the past few months including six penalty charges in one month. After reading the advice here, I sent a letter before action asking for the whole lot back. After more than 14 days (but hey, I'm reasonable), got a letter back saying that they were confident they would win their case in court, but mindful of the irrecoverable legal costs that they would incur, and for these commercial reasons alone, would offer me "x" hundred pounds (less than the total) in full and final settlement. Bull****. Same day I issue proceedings through money claim online. Paid the fee WITH MY HSBC MAESTRO CARD. Total claim now "x" hundred plus my fee.

 

Acknowledgement of Service Arrives. As does letter from solicitors acting for HSBC which states that they are confident they would win their case in court, but mindful of the irrecoverable legal costs they would incur, and for these commercial reasons alone, are offering me the whole lot, plus my issuing fee. Would I sign the letter and keep the details confidential please. So, I've taken the money. I win hands down stage 2, and am mentioning no details here.

 

I have to say what is bizzare about this whole bank charges business is that it operates completely unlike any other business in the world. (With the exception of Direct Debits which are for expected and regular bills,) no other business would simply hand you a fee then help themselves to the money. At least you would get a bill or invoice which you could then dispute. Here, they just grab the cash and run. HSBC have even stopped issuing letters about charges and why. A simple TOTAL CHARGES sits on your bank statement, which is completely unclear what it is for. So they are even saving the price of the computer generated letter, paper, envelope, and second class postage.

 

If the end of all this bank charges litigation is that you have to pay a fee every month for your bank account, at least you are paying for a service. The fact that everyone would pay the same would be fair, rather than people who get into financial trouble coughing up the £3bn the banks make each year from penalty charges alone, furthering the divide between those who have money and those who do not. How did anyone come up with a system to pay for bank accounts en masse by taking money from those who have less of it?

 

Anyway, my case shows the banks DO NOT want this to go to court, and will pay up in full with a little pressure. Thanks to all the advice given here.

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Don't feel worried. The banks do not want this to go to court. Its easier to pay out "X" thousand than to finally have the whole £3bn business proved illegal over the last six years (£18bn!??? repaid??).

 

If it goes to court and...

If you win: you get your money back.

If you lose: they get the money they've already taken (so you won't miss it that much), plus whatever it took to issue the claim. Not a major sting.

 

Good luck, and let us know how it all goes.

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Sorry, I don't understand...this has not even entered my mind. 8)

Well, I've already had to make do WITH the bank helping itself to my money. Which means changing budgets, not buying things you need, putting the car off road until you can cover tax. That stuff, the bank has ALREADY done to me. That I'm getting it back now doesn't mean that the past can be undone. If I'd lost and they hadn't paid me, I'd be more or less in the same situation I am now. I.E. Its pretty hard for things to get worse.

 

Am I clear?

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I didn't want to post litigation in process thought I'd just post after resolving everything. And I've just started another one against Halifax. They shafted me up the gary about three years ago before I closed the account. Anyway, the events were:

 

*I didn't use DPA as had access to all my accounts online. However:

*Letter before action sent 4 April.

*Reply received offering partial refund 27 April (yes, longer than 14 days but I'm a reasonable chap).

*Moneyclaimonline issued proceedings 28 April (but I don't **** about).

*Full refund letter offer received 5 May, retuened same day, awaiting payment.

 

Just over a month.

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  • 3 months later...

An addendum to the thread. The money I got back did not get me out of financial trouble. I am self employed and some of my clients take ages to pay me, so my pay is neither regular, nor reliable, although when it comes its a lot. I discussed my overdraft requirements with them and they gave me a limit lower than what I asked for. Hence I went over the limit. HSBC since helped themselves to a further £200 from my account. I sent a letter explaining the details to them about how I work, and that I've previously taken them to court, and they did not want to defend, and I really don't want to go court again, but if they insist then I will. My complaint was responded to with a straight stage 3 letter saying they will pay back the lot, while assuring me that their T&C's were fair, blah blah. So I win again. Wonder if next month will bring me more charges...?

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Just a further addendum to the thread... I asked for my full charges back TWICE. I got them back TWICE. The second time was quicker than the first and didn't involve going to court. However, yesterday recieved a letter. "Following a review of your account we have made a commercial decision to withdraw banking facilities. Persuant to clause 12.4 in terms and conditions, we hereby give you 30 days notice that we will be closing your account numbered 40-XX-XX XXXXXXXX on XX September 2006."

 

They spat the dummy.

 

:D

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  • 12 years later...

This topic was closed on 09 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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