Jump to content


  • Tweets

  • Posts

    • 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  
    • 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.
  • 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

Peaches' mum V First Direct


peaches' mum
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6223 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

Another question! As Im going through my statments Im noticing 'overdraft fee' £37.50 from 2001 - does anyone else have this? Is it an agreed overdraft fee therefore unreclaimable? Or is it a going over the overdraft limit and therefore reclaimable?

Link to post
Share on other sites

you can claim the charges and the interest you have paid on those charges since they have been taken from you. Some people are also charging "contractual interest" on the principle that the bank has had use of your money so you should be able to charge them interest for this however contractual interest is not straight forward. If the claim goes to court then you charge statutory interest of 8% (but you cant charge statutory interest and contractual interest - its one or the other).

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

Link to post
Share on other sites

Thanks for that Stornoway, at the mo Im just putting all my charges onto a list and will then see if I can get my head around contractual interest... Have another question, do you know whether you can add an 'EFT Inter-Bank' charge (in my case £20) to the reclaimable charges? FD have told me this is what they charged me for same day transferring money into an estate agent's bank account!:confused::mad:

Link to post
Share on other sites

No the EFT charge is also known as a CHAPS charge - its not a penalty charge its a charge for a service provided so you cant claim it.

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

Link to post
Share on other sites

i claimed contractual interest successfully from mbna and teh settled before court but first direct are telling me they dont pay any interest at all so a contractual claim might be hard work with them. Good luck with the claim.

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

Link to post
Share on other sites

Does anyone know if you can claim the following:

status enquiry £10.50

priority payment £17

unpaid cheque £82.26

unpaid cheque £736

renewal fee £15

 

 

:???:

i think status enquiry is where someone has asked the bank for a reference on you and as this is a service you cant claim it. Unpaid cheque is a cheque that someone has given you which has bounced so again cant be claimed. Dont know what a priority payment is. Renewal fee cant be claimed either as it isnt a penalty charge.

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

Link to post
Share on other sites

I dont think you are normally charged for a bounced cheque lodged to your account. The renewal fee is not a penalty so cant be claimed. Cheers

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

Link to post
Share on other sites

  • 4 weeks later...

Hi

 

Have finally received a letter from 1st Direct, They say: "I note that you have included Recall and Unpaid item fees in your total, we do not look to review these fees. In the circumstances where you have authorised a payment that would, if met by us, lead to your account going overdrawn or to exceed an angreed overdraft limit, we have to consider whether to make this payment. A fee is payable for this service provided by the bank, details are published in our tariff. We are confident of our position & believe that if your claim for a refund proceeded to court, we would successfully resist any legal challenge in relation to these fees.

 

So we are going to offer you £1005 in full & final settlement".

 

I have 10 days from 20 March to say yes.

 

My full claim to them is £2099 (with no 8% or any other %s added).

 

What should I do next?

:confused: :confused: :confused: :confused:

Link to post
Share on other sites

Hi, Peaches’ Mum.

 

I was in exactly the same position as you. FD have offered me three different ‘full and final settlements’. In each case they have said that they do not look to refund recall fees for non payments of DD’s.

 

At the end of the day, it does not cost FD £37.50 to not pay a DD.

 

Almost half of my claim (£3,700+) is made up of DD/SO recall fees, yet this penalty is totally reclaimable.

 

My advice (limited as it is), would be to write to them and accept their offer – but only on the clear understanding that you will persue them for the remainder of the claim through the courts.

 

FD only have about seven days left regarding my claim, after which I will win by default, unless I receive a copy of their defence (through DG solicitors).

 

I have claimed the full amount and this includes overdraft fees, excess overdraft fees and recall fees.

 

Stick to your guns and only accept the full amount. If you do add your interest on (if/when you file at court), you’ll see how much difference it make to the total claim.

 

Hope this helps, please keep us all posted.

Link to post
Share on other sites

  • 2 weeks later...

IM SO EXCITED AND I JUST CANT HIDE IT, IM ABOUT TO LOSE CONTROL & I THINK I LIKE IT!!!! 1st Direct responded immediately to my 'refusal of a partial offer' letter and they have offered me £2089 the full amount I'm reclaiming from them for the past 6 years!!!! HURRAHHHHHH!!!

 

Natrually I will be gracious enough to accept their 'kind' offer, so will be signing their 'I accept the sum of £2089.00 in full & final settlement of my complaint against the bank & understand the funds will be credited to the above numbered account' letter ASAP. However no idea is given of when the funds will be credited to my account, I now feel like being cheeky and giving them a deadline!

 

THANK YOU for all of your help, a donation will be on its way to the site once the £ is cleared...

 

THANK YOU

 

:) :) :D :D ;) ;)

Link to post
Share on other sites

Well done peaches very happy for you.

I too have got an offer from FD for approx 85% of my claim. I can’t get too excited yet!

what “refusal letter” from the library did you use to reject your first offer also did you sign their “without Prejudice ” disclaimer on mine it says if it is altered in any way it becomes null and void..is that right?

again well done :D

Link to post
Share on other sites

Hi Guys & Gals

 

The £2089 hit my account Monday 16th April, HURRAHHHHH!!! Thank you for all your help, now I must get on with shouting at the other financial institutions!

 

Peaches' Mum - Peaches is very happy too by the way she now thinks Im going to buy her a Gucci collar!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...