Jump to content


  • Tweets

  • Posts

    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case on this topic that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Should this ever happen to me, I will make an appeal at the first stage to avoid any problems that may occur at a later stage. Although, any individual in a similar position should decide for themselves what they think is an appropriate course of action. Also, I continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
  • 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

Vicki Vs Lloyds **starting out**


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

Thread Locked

because no one has posted on it for the last 6243 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

Hi there,

 

Well I have just printed and signed my letter to go off to lloyds to begin the whole process. Around 5/6 years ago i was a director of a company, which went down the pan. The problem was it was my fathers company, and I took out loans etc to keep it going as long as possible. Obviously this got me into big problems with both loan repayments bouncing and also subsequent unemployment, meaning nothing going into the bank, which of course they hammered me for on unpaid direct debits. Yes, it was foolish to cover my fathers company in the short term with loans, but what could I do! Anyway, now it is time for me to claim it all back, and I think it will be a lot too.

 

I've also got a Credit Card with lloyds, but do I send the same letter? I'll have a look through the templates, but couldnt find one specifically for credit cards rather than bank accounts, so maybe there isnt one.

 

Anyway, here goes - slightly apprehensive, but i can see there is a lot of help around - plus my hubbie is claiming from Barclays and is about a week ahead of me - so hopefully there is a similar process!

 

Here's hoping!

Link to post
Share on other sites

Hello Vicki, I am just coming to the end of my claim against Lloyds, but my situation was completly different to yours. Here are some simple points to follow.

1 Make sure that you have not duplicated any statements.

2 Keep copies of all letters that you send.

3 Know what letter to send and at what stage.

4 Dont panic and accept the first offer.

 

With Lloyds they will drag it out. I started my action in November 2006, once they have received all statements and the first two letters have had 14 days apart. You might be offered a £750 good will gesture, reply to them. Thanking them but you are still after the full amount. Then start with court action by filling out a small claim form and paying £250 if your claim is over 5k. The bank has another two weeks to reply. At this stage i received 3k from the bank still 2k short, and i have just completed the allocation questionnaire for a court hearing. Now is a waiting game. But dont give up.

Keep in touch.

Link to post
Share on other sites

thank you for your comments - i certainly wont be giving up. i have a friend who was owed over 3k and they settled for £300 at the first offer because they werent aware that help like this was around, so of course didnt know the process and have the templates etc, wish i had known about this site then, would have helped him out enourmously!

Link to post
Share on other sites

  • 1 month later...

YES!

 

got my statements of charges through the post today. I have to say that lloyds seem to be more cooperative than barclays both in their tone of response and the added bones of detailing just the charges rather than sending you 6 years of full statements through the post!

 

OK, so my initial thoughts were that for this six year period I am owed around 2500 - we will see!

 

First questions about the charges listed;

 

Which can I claim back from the following which are itemised;

 

Fee : Account Charge

Chg : Overdraft Interest

Chg : Overdraft usage fee

Chg : O/draft excess fee

Chg : Unpaid cheque

Chg : Unpaid D/D

Chg : Unpaid personal LN

Chg : Unpaid S/O

 

I will try to find out myself, but if anyone can help :)

 

ooooh, am excited!

Link to post
Share on other sites

I sent off my preliminary letter to Lloyds on February 22nd. Got no reply so sent second stage letter 8 days ago, still no reply. As neither have even been acknowledged should I send a copy to htem before I start with my MCOL?

 

Anyone advise?

Link to post
Share on other sites

Tommy I didnt get any acknowledgement, just received the statements today after sending initial request on 20th feb. They do have 40 days to send them, and you are only 2 days behind me so hopefully you will get them in the next couple of days

 

Anyone have an answer to my question about which charges to claim from above list?

Link to post
Share on other sites

Tommy I didnt get any acknowledgement, just received the statements today after sending initial request on 20th feb. They do have 40 days to send them, and you are only 2 days behind me so hopefully you will get them in the next couple of days

 

Anyone have an answer to my question about which charges to claim from above list?

 

 

BlindApproach

 

I didn't need to request copies of my statements I already had them, I keep everything (sad I know), what I haven't had any response to is the actual letters requesting my charges back.

Link to post
Share on other sites

Which can I claim back from the following which are itemised;

 

Fee : Account Charge

Chg : Overdraft Interest

Chg : Overdraft usage fee

Chg : O/draft excess fee

Chg : Unpaid cheque

Chg : Unpaid D/D

Chg : Unpaid personal LN

Chg : Unpaid S/O

 

anyone?

 

I am probably being thick, but I am struggling to find the information I need due to the amount of stickies!! Also looking for a good step by step guide, I know I have seen it before!

Link to post
Share on other sites

Hi, I can't find the thread, but out of the following you can claim for:

 

Fee : Account Charge ++NO++

Chg : Overdraft Interest ++Not sure - I did and got it back though!++

Chg : Overdraft usage fee ++if o/d caused by penalty charges++

Chg : O/draft excess fee ++YES++

Chg : Unpaid cheque ++not sure++

Chg : Unpaid D/D ++YES++

Chg : Unpaid personal LN ++NOT SURE++

Chg : Unpaid S/O ++YES++

Link to post
Share on other sites

wow - thats what i hoped for!! so thats everything they detail on the charges they sent through - never thought it would be that straight forward :)

Thank you, you are a star!

 

Better get totaling, now where is that spreadsheet!! :)

Link to post
Share on other sites

I agree Vicki that what you can and can't charge for is really hard to find without trawling through lots of pages.

Wish it was in the FAQs or STEP by STEP guide.

As for the unpaid cheques I am sure that the fee is punitive, i am guessing at around £35 or so, but would prefer someone who knows exactly what you can and can't charge for to reply too!

Just wanted to add that the info above was from a thread "ConsumerAction Group > The Bank action group - against unlawful charges > Lloyds Bank> what charges back in june 2006! so there must be something more recent than that!

That was info from Bookworm - moderator.

sorry cant help more!

Red

Link to post
Share on other sites

Vicki - wow hang on - please make sure that you have read my edited mail as my pc crashed when i was halfway through typing! so i added my notes inbetween ++ ++!!

sorry it happened at just the wrong moment!

Red

Link to post
Share on other sites

Hi, I can't find the thread, but out of the following you can claim for:

 

Fee : Account Charge ++NO++

Chg : Overdraft Interest ++Not sure - I did and got it back though!++

Chg : Overdraft usage fee ++if o/d caused by penalty charges++

Chg : O/draft excess fee ++YES++

Chg : Unpaid cheque ++not sure++

Chg : Unpaid D/D ++YES++

Chg : Unpaid personal LN ++NOT SURE++

Chg : Unpaid S/O ++YES++

 

ah ok. I would imagine that if you can claim for Unpaid DD charges you can claim fr unpaid Personal Loan and S/O too, so will try that.

 

I was thinking I should leave out the interest until the court claim as I have read and will leave out the od usage fee coz i am not sure if all were caused by penalty charges.

 

Damn, I wasnt confused earlier, now I am!

Link to post
Share on other sites

Sorry, was not trying to make this harder for you!

Yes, leave out the interest - that is for court stage only,

I would agree about the charges for cheque and DD, personal loan and SO, maybe someone will be able to advise overnight before you send your letter off!!

Red

Link to post
Share on other sites

no - you werent making it harder! i meant that I thought it would just be a case of totaling up all the charges they sent me and sending it off, but alas it seems not!!

 

I am so desperate not to make a mistake in all this!

Link to post
Share on other sites

Which can I claim back from the following which are itemised;

 

Fee : Account Charge No

Chg : Overdraft Interest Some not all, you need to use spreadsheet to work it out

Chg : Overdraft usage fee Yes

Chg : O/draft excess fee Yes

Chg : Unpaid cheque Yes

Chg : Unpaid D/D Yes

Chg : Unpaid personal LN Yes

Chg : Unpaid S/O Yes

 

anyone?

 

I am probably being thick, but I am struggling to find the information I need due to the amount of stickies!! Also looking for a good step by step guide, I know I have seen it before!

 

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

Link to post
Share on other sites

'Unpaid' anything is completely claimable :)

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

Link to post
Share on other sites

WOW - i dont believe this - i am going through yr 2002 and there are some unpaid d/d items for £85 & £120!!! Thats absolutely rediculous surely! As you get towards 2006 these charges seem to standardise at £35, so they were even worse back then than they are now!

 

Crazy! Anyone else get items listed at this amount?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...