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    • He is still trading.   I won't get anything out of it, no.  But is that the point?  Not charging it means the Govt misses out on important revenue 
    • for whatever reason, if you did not get the original PCN on the car/by hand nor in the post before things escalated you need to appeal using the correct forms, not a soft appeal to the issuing council Which forms to use for which offence pe2/3 & te7/9 - Local Authority Parking and Traffic Offences - Consumer Action Group  
    • as this situation has now come up again for you, how confident are you that if you get on the straight and narrow with having a respite of 60days (Options for dealing with your debts: Breathing Space (Debt Respite Scheme) - GOV.UK (www.gov.uk)... would you then be able to resume ok? if not quite honestly, the very best thing you can do is to get ALL your debts defaulted by the issuance of and the registering of a Default Notice from each creditor. this is done by stopping ALL PAYMENTS, it wont hurt you short term, esp as all the debts are still with the Original Creditors. this of course will kill credit for 6yrs, but, will cause the debts to vanish from your file (paid or not, paying or not) on the DN's 6th B'day, but of course that wont mean the debts are not still owed, legally, just your file will be clear of them all. if you read a good 10-20 of the stories in this very same forum you found to start yours, you'll soon get the idea behind the advice given. as for things like IVA/BK etc NEVER EVER do those, that secures unsecured debt. just contact one of the free DMP providers and get breathing space implemented, that gives you a 60 day buffer to firm up your future actions. but DO NOT enter into a DMP, do one yourself. they can be a bit pushy, but simply insist you just want breathing space invoked, i would only be giving them enough info to achieve BS too, don't give them anything you don't need too, they are funded by the banks and debt collectors and can sometimes be over intrusive and nosy wanting info that is better not revealed. dx    
    • “Not realising it was a no parking zone” doesn’t help you if the timing is correct, as (at least, on Google Maps / View) there is clear signage ('7am to midnight', parked at 15:22) What might be worth pursuing is the "ticket handed to driver" aspect : do you have any view on why they would be  stating that?
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      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.  

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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.
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      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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Bos/Halifax, English & Scottish Courts????


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Good morning to you all. New boy here.

 

Bit long winded but please bear with me.

 

1) HALIFAX (£275.00), I see the main head office address is being banded around a lot, but we have written to our local branch, and been given the usual "sorry youre not happy, but read out rems etcetc" but at least they have acknowledged it I suppose. When we come to instigate court proceedings do we carry on using the branch or is it better to go through the head office in Halifax ?

 

2) Bank of Scotland. (£1200.00)

We live in England, but our account/head office is in Edinburgh. Do we use the english courts (Moneyclaim etc) or is it by way of "Summary Cause" through the Scottish courts, as the defendant lives in Scotland ?.

 

I got really confused as they have merged, but we have been stiffed for charges when they were seperate entitys and as a merged bank.

 

Im sorry if this is asking the bleeding obvious, your website is brilliant and FULL of really good advice, but its taking a while to trawl through it all.

 

Thank in advance guys..

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Hi and welcome to the forum Grantdl.

I would use the Trinity Rd address for the Halifax from now on. the RBOS can be claimed in England as that is where you reside. I would also personally use a manual N1 form as well and not the mcol.. its just a personal choice.

Some useful links..

FAQ’s

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

Step by Step Guide

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/65568-simple-guide-reclaiming-bank.html#post559793

Donation

http://www.consumeractiongroup.co.uk/sitemap.php

A-Z Guide to stuff

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/53241-cant-find-what-youre.html

How to Start a Thread

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/13182-how-make-posts.html

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=84

Letter Templates

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

Rejection of Settlement/Goodwill Gestures

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

Interest Spreadsheet

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

Contractual Spreadsheet

http://upload2.net/page/download/KH5DXXfx6GF1KzW/Copy+of+16_Throughout_cla im_with_compounded_contra ctual_interest.xls.html

Court N1 form

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

Court Bundle

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

Preparing a Court Bundle

http://www.consumeractiongroup.co.uk/forum/barclays-bank/29032-help-preparing-court-bundle.html

Bank Contact Details

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html

Moneyclaim Online

https://www.moneyclaim.gov.uk/csmco2/index.jsp

AQ Guide to Completion

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires.html?highlight=allocation

Court Fees

http://www.hmcourts-service.gov.uk/infoabout/fees/county.htm

Data Prot Act Non Compliance

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

ERC Letter for Mortgages

http://www.consumeractiongroup.co.uk/forum/post-432747.html

Witness Statements for Court Bundle

http://www.consumeractiongroup.co.uk/forum/abbey-bank/57385-examples-witness-statements-etc.html

Banking Code website

http://www.bankingcode.org.uk/faq.htm

Limitations Act

http://www.consumeractiongroup.co.uk/forum/statutes-library/415-limitation-act-1980-a.html

fast track costs

http://www.consumeractiongroup.co.uk/forum/general/22383-fast-track-costs.html#post174519

Scottish Procedure

http://www.consumeractiongroup.co.uk/forum/guidance-notes/11123-scottish-procedure.html

Scottish Forum

http://www.consumeractiongroup.co.uk/forum/scotland

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