Jump to content


  • Tweets

  • Posts

    • The case against the US-based ride-hailing giant is being brought on behalf of over 10,800 drivers.View the full article
    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • 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  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
  • Recommended Topics

connors


connors
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6248 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

hiya, everyone,

 

can anyone help, thinking of claiming my extortionate crippling bank charges back, i'm a bit worried that the bank would call in existing loans, credit cards etc, can they do that,

 

connors

 

Hi they can not call in loans or credit cards as long as you are making the regular payments.

 

My advice is to reclaim your bank charges, spend some time reading the FAQS and step by step instructions also read some success threads in your bank forum. Then start a thread for each of your claims in their respective forums and post any questions there.

Link to post
Share on other sites

hi,

i have just been reading through some Q&A's, i am worried about them closing my bank account, can they just do that? also it does all seem a bit complicated and a lot of legal jargon, not sure if i could do through all that, saying that, i predict it is in excess of £5,000 if not more, all advice welcomed,

 

connor's

Link to post
Share on other sites

hi,

i have just been reading through some Q&A's, i am worried about them closing my bank account, can they just do that? also it does all seem a bit complicated and a lot of legal jargon, not sure if i could do through all that, saying that, i predict it is in excess of £5,000 if not more, all advice welcomed,

 

connor's

 

Ok start a thread please for this claim, do not be worried about the process we will help you through it, They may close your account but this is very unlikely.

Link to post
Share on other sites

i know i probably sound stupid but i am worried about them closing our bank account, as we are unlikely to find another bank to take us on, what about our mortgage and everything

 

Ok for the third time please start a thread in your banks forum.

 

If the mortgage is with the bank you have the charges with they are highly unlikely to close your account as they want their repayments. Even if they are not the closing of accounts is very rare.

Link to post
Share on other sites

Can you please let me know what bank you are with so I can move this thread into the right forum ,

Thankyou

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

Link to post
Share on other sites

hi connors welcome to the forum.

firstly take your time and read as many threads, faq's as you possibly can and build up your confidence before you start. there are people here every step of the way to help you should you have any queries/questions anything!

hsbc will usally close your bank account ONLY after a second claim, very unusual for them to close on a first claim.

as i said, read as much as you can - we're here to help you ok?

netty

If i've been helpful in any way....then tip my scales over there!

Link to post
Share on other sites

and here's a handy link: Newcomer? Here's A User Guide

keep it to hand - it will help a lot.

and remember, we were all once where you are now and are here to help - but you do the leg work - we advise. so, as netty said - read up as much as possible to get familiar - when you are ready - you can begin.

Link to post
Share on other sites

thank you all for your advice, i was thinking of giving up as i felt so 'stupid' and unaware, really am in unchartered territory, which is why i've joined this forum, (never even joined a forum before!),however we have decided to go ahead as the bank after knowing we are in financial difficulty, have just slapped £200 bank charge in less than 2 weeks on us, letter is being delivered today, by hand, hope this is right procedure, i am claiming on two accounts, but have only put one letter with two acc no's on,is this ok? will keep you posted, once again, thanks

Link to post
Share on other sites

  • 2 weeks later...

got our statements on line and the charges added up to £2,228.50, we have requested charges to be paid back for the sum of £2,034.72, does that sound right, we done that by taking off £4.50 for every charge and adding interest of 8%, sent letter today, will let you know what happens next,

Link to post
Share on other sites

I wouldn't go taking off any money for their benefit either!!! I wouldn't want you setting a precident for other people's claims. Also you shouldn't really include your interest calculation until you start the process of taking them to court at this stage you can add 8% for interest.

Guide to claiming back your bank charges

 

Most of your questions can be answered by following this link.

Link to post
Share on other sites

connors

enter all the charges onto an 'england-simple-excel' spreadsheet. it works out all the interest, days since the 'offence' etc. really easy. don't go doing your own thing as mistakes can be costly. if they pick up on anything not quite right, they'll hang you out to dry!! just do the tried and tested version of events and you'll be fine - there's plenty of people here to help you at every stage... ok

If i've been helpful in any way....then tip my scales over there!

Link to post
Share on other sites

when you send your next letter in 14 days - you can send a "revised schedule of charges" that you are reclaiming - so, start with the oldest - enter it onto the spreadsheet - call it what the bank calls it and put in the charge. work your way to the newest charge - you can count charges right up to the day you file your claim which could be 14 days after the second letter. so, when you finish the simple spreadsheet - you will have a lovely, neat list to send them with the second letter - just fold over or cover over the 8% interest column for the second letter - you need that for the claim - not before. go back to that thread:Newcomer? Here's A User Gu anytime you like - find the step by step instructions and it gives you the time frame and useful links to the templates and other sites which you will need. see if you can get that spreadsheet done within the next couple of days. get back if you need help. next letter - you can hand deliver to the bank (in which case ask for a receipt) or post it and send it recorded delivery - it costs £1 and you can track when it gets there.

Link to post
Share on other sites

the reason i took 4.50 off for each charge was because that is what i thought the Trevor McDonald programme advised, so do i now need to add up each charge with interest as above, also i have just been charged another £100, and i'm not even overdrawn, but they kindly informed me this is for being overdrawn on the 13th of February even though they've taken £225 out up until the 16th of February, is it okay to put that on the next letter? A 'Revised schedule' of charges,before i send next letter i will seek advice from you all, also i will scrutinies new users guide, thanx for all your help

Link to post
Share on other sites

you reclaim what has been taken from you - no more, no less.

once you've read up a little - do the advanced spreadsheet if you are trying to reclaim overdraft interest and the simple s/s if you aren't. the 8% interest you will claim back doesn't come into play until the claim stage.

as for any newer charges - you can add anything they add on - up until you file the claim. cross reference your charges with this:Charges description on statements - Please Read .

just send a revised schedule with your next letter.

Link to post
Share on other sites

  • 2 weeks later...

hi,

it's now been 14 days and no reply from the bank, i have re-calculated my charges, am i right in sending this letter with my revised charges,

 

 

LETTER BEFORE ACTION

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxxxxx

 

 

I am very disappointed that you have failed to respond to my letter of the [XXDATEXX].

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX.

I am enclosing a copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my original letter of the [XXDATE OF FIRST LETTERXX]

Link to post
Share on other sites

What interest are you claiming, as you can only claim the interest charged for the charge they levied and not the total interests debited from your account.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

Link to post
Share on other sites

connors, first - on the letter - i'd put please find a revised copy of my schedule of charges....

 

secondly, as it is so important to get this right -

did you follow the guidelines i sent for doing to advanced spreadsheet to get the overdraft interest total which you are asking for. as jowalshy says you can't just add them on as a charge - it must be done through using the advanced s/s and done properly else you will not get it back.

 

so, did you manage to do the advanced s/s and get a total on both sides one for charges and one for overdraft interest?

 

then, doing it again on the 8% tab - you will have gotten a total for the i

8% interest which you don't show them now (cover it or fold it or whatever) as that interest will be added at the claim stage.

 

just want to make sure it is correct before you post it. get back.

Link to post
Share on other sites

hiya,

 

i put all charges on the spreadsheet as you instructed, most of them say they are for 'total charges', am i okay to claim them? is it okay to cut off the end column? do i need to hand deliver or send to the bank, getting all different advice, help!!!!

 

Connors

 

:confused:

Link to post
Share on other sites

What interest are you claiming, as you can only claim the interest charged for the charge they levied and not the total interests debited from your account.

 

 

oh i finally get what you mean, sorry, takes a bit of time to sink in, not sure if we've incurred charges on their charges, maybe we did in january of this year, is it worth claiming that? :o

 

Connors

Link to post
Share on other sites

Hi Connors, have a look on the charges description part, it will explain what you can claim for. If you had charges applied to your account which pushed you over your agreed limit, you will be charged for that aswell, so charges on charges? Yes you can claim. You cannot claim for pre-arranged charges i.e charges for temporarily extending your overdraft limit etc.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...