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    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
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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.  

      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.

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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.
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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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Opened a natwest account todat in prepartion for reclaiming my bank charges, sending off for my statements first thing tomorrow.

 

i have a defaulted credit card with halifax am i better to wait til my current account is settled before attempting to reclaim from this account ? and also would blair oliver and scott request the payment in full if i attempt this ?

 

 

thanks for your help as im useless at this sort of thing

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anything that can be deemed as retalitory action by a bank against a claimer will not go down well with the OFT.

 

so i would not worry.

your CC & bank A/C are two separate things.

 

dx100uk:cool:

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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To be perfectly honest, Blair & Oliver (Scott has gone!!! lol) tend to do what they want anyway. If they did request payment in full, explain that you are disputing what the 'full' amount is, the debt is therfore in dispute! ;)

AB123uk

 

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Sorry liverpoolfan, not wanting to hijack your thread at all, but I've got a similar thing...my Halifax CC is £200 over its £550 limit. I've been putting off starting action against them whilst my current account is ongoing and also because its in such a bad way. I'm still paying the minimum which has kept them remarkably quiet, but as soon as I get the £3000 back from my current account, I'm paying the CC off, then going for charges refunded.

 

Great result last night, by the way!!!! :)

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thanks for your adive and lets hope i get just as good a result against the banks, my c/c is so high that id never be able to pay it off if i got my bank charges back or not, i currently pay £200 per month to blair and o and s and been doing so since august and since then ive had no other contact should i stop paying til ive claimed the charges ? im not doubting i owe the money just think the charges on the account were pretty highdo i do the same for c/c as i do current account to get my statements

 

 

please help

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Oh - what has happened to poor Scott (of Blair, Oliver &)?? I do hope the reclaimers haven't pushed him over the edge ;)

 

I'm not 100% sure on this, but I'm sure I've seen somewhere on this site that if an account is in dispute then no monies should be going in or out of it (meaning once they know it is in dispute that you shouldn't be paying). Hope I've got that right, but can someone please confirm or otherwise :eek: .

 

Good luck liverpoolfan

(I bet you were happy last night)

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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jaxads, as i believe it, It's more if the debt is in dispute? But obviously if such a time arose that Blair & Oliver were demanding full payment, I owuld refuse for that reason.

AB123uk

 

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If CAG Helped you..... Why not help CAG!

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I would request statements off Halifax, as Blair & Oliver are only handling the account on behalf of them. Correspond with Halifax until they tell you otherwise!

 

Find me helpful? Click the scales!

AB123uk

 

IF MY COMMENTS ARE USEFUL, PLEASE CLICK MY SCALES!

 

Halifax Staff Current Account WON

Lloyds WON

Yorkshire WON

Halifax Staff Visa WON

 

 

If CAG Helped you..... Why not help CAG!

Click Donate at the top of the forum!

Oyster- I fought the Lloyds will have it's mark in history- have you downloaded your Official Charges Track?

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So how does this affect things does it mean they have no power ? without selling the debt on ? very jittery about doing anything other than what they say dont want to end up in court, but ive sent off for my statements and ill have a read and keep you all posted thanks for the advice people loving this site

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liverpool fan, they are a company, a subsidary of HBoS Plc and are authorised/regualated Debt Collectors. There staff are on HBoS payroll, but so are Intelligent Finance, Birmingham Midshires, Esure. So they do still have the same power as any other DCA,

AB123uk

 

IF MY COMMENTS ARE USEFUL, PLEASE CLICK MY SCALES!

 

Halifax Staff Current Account WON

Lloyds WON

Yorkshire WON

Halifax Staff Visa WON

 

 

If CAG Helped you..... Why not help CAG!

Click Donate at the top of the forum!

Oyster- I fought the Lloyds will have it's mark in history- have you downloaded your Official Charges Track?

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