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    • Hi welcome to the Forum.  If a PCN is sent out late ie after the 12th day of the alleged offence, the charge cannot then be transferred from the driver to the keeper.T he PCN is deemed to have arrived two days after dispatch so in your case, unless you can prove that Nexus sent the PCN several days after they claim you have very little chance of winning that argument. All is not lost since the majority of PCNs sent out are very poorly worded so that yet again the keeper is not liable to pay the charge, only the driver is now liable. If you post up the PCN, front and back we will be able to confirm whether it is compliant or not. Even if it is ok, there are lots of other reasons why it is not necessary to pay those rogues. 
    • Hi I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof? 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No    Have you had a response?  n/a 7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice'  
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
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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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      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

caro v Alliance and Leicester ***WON***


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Hello everyone. Been lurking a while, but I was only with A+L for a few months last year when I was lured by their promise of interest free overdrafts, high rates when I was in credit etc. I thought I would save a bit of money, but they didn't mention the horrendous way they administer the charges. You will see from my signature below that I have got some bigger charges to claim so I have concentrated more on them.

 

Still, I have had the info from my DP request and tomorrow I am sending a preliminary letter to A+L claiming £177.00.

 

Wish me luck! ;)

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 2 weeks later...

Got the following from A&L this morning.

 

Dear Caro

 

I am writing in response to your recent communication and was very sorry to hear of your disappointment with the service you have received.

 

Thank you for taking the time to highlight your concerns, we are currently looking into the situation and will be writing to you with a more detailed response.

 

In the meantime, I am enclosing a leaflet which explains the steps we will take to handle your complaint.

 

Yours sincerely

 

pp Liz Larkin

 

I hope they don't think it is worth the hassle of "negotiating" or refusing to pay as £177.00 is nothing to them. Anyway they have another 7 days until LBA, although their procedure gives them up to 8 weeks. Like they waited that long to take the charges. I think not.;)

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 2 weeks later...

Been a bit slow, but finally done my LBA ready to post to Liz Larkin from the Customer Contact Centre. Clocks ticking. ;)

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Got a letter from A&L today.

 

Dear Caro

 

Sod off and leave us alone. ....trust that we will meet your expectations in future.(I have no doubt they will!!)

 

Yours sincerely (Ha ha).

 

Now the full version for anyone interested.

 

Thank you for your letter dated 18 May regarding charges incurred on your account which I am sorry to learn have been the cause of dissatisfaction.

 

We believe our charges are reasonable and competitive compared to the industry. They are clearly shown within our literature and on our website, as well as being set out on monthly current account statements. There has been no consultation between the banking industry and the Office of Fair Trading about current accounts. If there is any industry wide consultation on this matter, Alliance & Leicester will participate as appropriate.

 

Whilst I appreciate your dissatisfaction regarding this issue, I regret to tell you that I am unable to make any adjustments to your account.

 

I am very sorry that you have been disappointed with our service on this occasion and trust that we will meet your expectations in future. In accordance with regulatory requirements, I must advise that if I do not hear from you within the next eight weeks our file on this issue will be closed and I am enclosing our leaflet explaining how to progress this matter, either through our internal procedures or, if necessary, via the Financial Ombudsman Service, should you remain dissatisfied.

 

I do hope, however, that we have now resolved this situation and if you require any further assistance please do not hesitate to contact me.

 

Yours sincerely

 

Katie Ellis

Customer Services

 

I posted my LBA yesterday so they must have crossed in the post. I know the answer really, but just want a bit of reassurance and hand holding please.:-| I don't need to do anything at the moment do I because if they didn't get my LBA today they will get it tomorrow. It has gone to Liz Larkin who wrote the last letter.

 

As a point of interest I have serious doubts that my account has even been looked at. Ms Ellis is unable to make any adjustments to my account.

 

OF COURSE SHE IS. IT HAS BEEN CLOSED FOR THE LAST 5 MONTHS!!!

 

I wonder if this is an automated reply.;)

 

Encouraging that the media are picking up on A&L closing claimants accounts though.

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I was planning to do my Moneyclaim on 22nd June, as they should have received LBA no later than 8th June. Given the A&L persons stance on the Moneybox programme on Saturday that they will pay everyone who starts court proceedings before they go to court, I wanted to run an idea by y'all.

 

1. Should I phone them up and give them the option (which they already have anyway) to settle before I do the Moneyclaim? I can point out that it well save them my claim fees, and with my claim being only £177.00 anyway it would seem stupid to almost double it as they will be paying up anyway.

 

2. Should I do my Moneyclaim as planned (assuming they don't pay up first), and try and get something on the form along the lines that A&L have already said they will pay up before going to court, so I regret the waste of court time in having to do claim, and basically drop A&L in the proverbial? ;)

 

Any advice or suggestions are welcome. I started off tentatively looking for my money back, but following Whizzkid and NeilP's recent success with Abbey, I am inspired to be a bit more adventurous, especially as I am only after a relatively small amount.

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I'm not an expert on this by any lengths but after being glued to everyones experiences the general rule of thumb seems to be to stick to guide, it's almost fool proof and is well documented.

 

Did you say in your previous thread that A&L had a spokesperson out on the matter?

 

Em

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There was a programme called Moneybox on Radio 4 on Saturday, and A&L person admitting they were paying everyone who went to court, but before court case. She also stated that anyone who got refunds would have accounts closed. I think you will find a link to this and a thread in the General section.

 

As a rule of thumb, you are absolutely right that you should stick to the tried and tested process. However, given the radio interview and the relatively small amount I am claiming, I am willing to be a guinea pig if there would be any merit in testing the water.

 

You are absolutely spot on.

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Cheers both. Will keep you posted.

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Well times up and not a word. MCOL here we come.

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Still haven't got round to MCOL but I did get a letter from A&L. I haven't got it in front of me so I will paraphrase:

 

Dear Caro,

 

Now look here. We've told you to sod off once. The bank charges are fair. The OFT have not talked to the banks and we are still not going to give you your money back, so once and for all sod off and leave us alone.

 

Yours sincerely

 

P Off

 

A&L

 

All I can say to that is - No I Will not Sod Off.

Hopefully sort MCOL at the weekend. :p

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  • 5 months later...

Well nearly 5 months on I have finally got round to doing something with this. I debated just doing the MCOL, in fact I've even started it, but thought I would send another LBA as the first was so long ago.:o So it went in the post on 22nd November, and 7th December I will do MCOL.

 

This time I will finish what I started.

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I would love to go for contractual compound interest on this one, but as the entire 7 months I had the account it was an interest free overdraft I thought better of it. lol

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi Caro

Glad you have finally got round to this one!!!. (especially after helping so many of us with ours!!)

All the best :D

:cool: Lily :cool:

 

 

Alliance & Leicester;

LBA 22nd July 2006

Reply 31st July

MCOL 6/8/06

PAID IN FULL 25th August 2006.....

DONATION HAPPILY GIVEN.......

 

If you are happy with my help please click on the scales at the side of this message

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Thanks Neath and Lil.

 

Well I got my sod off letter today 7 days after my LBA went. My MCOL is partly done already as I was going to go straight for it but decided it was so long since my original letters I would at least do the LBA again.

 

I still might not get it done this week as I'm off to the Rally at the OFT in London on Friday and then the party at the Princess Louise pub in the evening, and still need to sort a few things before I go. Be great if any of you lot can make it too. I can't wait.

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 1 month later...

Finally submitted my claim on line today for £225.50 including costs.

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Go for it Caro

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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I fully intend to thanks Delboy. I know it's a pain having to go through this, but at least with A&L I know there won't be much delay now. I wish all the banks were this easy.

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 2 weeks later...

Paid in full today. They were quick!:p

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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oh thats great news!! Well done :D

:cool: Lily :cool:

 

 

Alliance & Leicester;

LBA 22nd July 2006

Reply 31st July

MCOL 6/8/06

PAID IN FULL 25th August 2006.....

DONATION HAPPILY GIVEN.......

 

If you are happy with my help please click on the scales at the side of this message

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Thanks Lil.:D

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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