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    • 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.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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    • 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
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Royal Bank of Scotland **won**


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I see thanks for that information.

I take it you have had dealings with their solicitors then!

Hopefully I may be lucky enough to receive an offer from the bank rather than go into court.

I have already decided if my case is thrown out by a Judge (like in Hull and Birmingham) I will appeal and take it from there, hopefully that will not happen.

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No - I didn't have dealings with Cobbetts...... but I was fully expecting to start the "cat-and-mouse" stuff with them...... Everything i know about them was through following very closely other extremely informative threads - like Mcuth (who is very good and knows his stuff!).....

 

I know that the two major websites: Martin Lewis (Money Saving Expert: Consumer Revenge - Credit Cards, Shopping, Bank Charges, Cheap Flights and more) and CAG have combined and put forward £100,000 in a "fighting fund" which is held at Govan Law Centre. A loss at county court level leading to an appeal would be a lot of work for you and the entire bank charges reclaim business with thousands of customers fates would rest on your ability to win at appeal...... and thats assuming you don't get struck out first. That said and even if it's not you then I think someone will end up appealing and setting a precedent...... and soon too and as I really can't see things going on as they are for much longer....

 

I am sort of glad that the fight'll be over with RBS - all I was really after was getting the cash and going. I really do believe there are more nasty and abusive "fish-to-fry" like Barclaycard for example.....

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I have just been re-checking my statements and files I have ready for court in case I missed something. I had a date wrong and missed a charge or two. The amount come to over £5000.00 but I'm not pushing for that as it may cost me more in the long run.

I have notice though how the charges started, what I would call, rather tame at first. In 2001 they only took £20, but in 2004 they took a total of £1920.00 this year up to now they have had £524.00.

I think they are trying to break a record with me by seeing how much they bleed from my account.

I have also decided not to email them I will just let the time takes its course and see what happens. After all if they dont reply I will be asking for a judgement from the courts.

The ball, as they say, is in their court and will soon be back in mine.

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Well this morning (Tuesday 12 June) I have had a reply from Cobbetts the RBS solicitors saying that they are defending all of my claim.

I dont know what happens next, am I on a loser?

Hope not after all I'm only claiming my charges.

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RBS do tend to say that and then pay up last minute. All about delaying. Read around the RBS forum and you will see that is the case....

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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I have received the acknowledgement from the court today (Thursday 14th June).

What hapens now?

Do the court write and give me a date?

I have all my statements and the printed attachment ready for court. Also getting info off here with regards to OFT statement with regards to bank charges. Hope when I get into court I am ok. Should be I've been in court before a few years ago with a claim for one of my children for compensation. Solicitor gave me the praise for winning at end of day. Hope it is going to be that easy again lol.

I keep saying it again and again all I want is what is rightfully mine by law and the bank seem to not want to return legally what they have stolen. Its a bit like Robin Hood and the Sheriff of Nottingham. They being the latter, glorified robbers.

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Just been reading some of the threads on RBoS. I must admit it is very surprising, Cobbetts seem to be taking RBoS for a ride with their representations for them. They tend to use threatening techniques against the claimant and then when it fails they make an offer.

I bet they dont bank with their client!

All as this does for me is make me more determined to get on and play along with their games (I adore some solicitors) and while their games continue it make makes more money for me in interest for when we get into court.

I am determined to get my day in court now. I am very determined to get what is mine and play along with Cobbetts (or cobblers as they tend to have earned that name).

So if anyone from RBoS or Cobblers visit this site to get an update on what is going on and who is claiming, then I look foward to the battle for my money through the legal system that represents the common person not just the rich.

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it's far from my place to start looking in on a banks relationship with its solicitors........ but going on what I have seen Cobbetts are fairly "tough" for us consumers to get past - which means they are doing their "job" right.........

 

However as for giving the consumer a tricky time only to pay up everything in the end...... well..... I really don't think they have any choice do they? I mean they have an "unofficial" (of course unofficial!) mandate from their client to try and put off as many customers from the scent, but then with the sheer numbers of claimants (well in to hundreds of thousands now) it is not cost effective to spend a huge amount of time on each case - so they can eaither simply pay customers off immediately, which wouldn't go down too well with the powers that be in RBS head office as that in itself would open the floodgates to even more claims or they can continue to do as they are now.......

 

I am certainly no friend of Cobbets (but then no enemy either...) but they do seem to purely be simply doing their job and I don't think it would be any better if RBS were to hire anyone else - purely because whichever solictor they hire the fees are going to be massive and the complete mess that all this bank charges reclaim stuff has degenerated into will if anything continue to get bigger and more messy - until a precedent test case, which will clear the legal system and allow the regulator to step in or the banks to follow the industry practice guidelines of the OFT on competition over bank charges.

 

I think if I were Tommy McClean or anyone in the Customer Relations Unit at RBS...... then being humble retail bankers doing a job that probably feels a bit like sliding down an endless slope with the rapidly growing number of claimants and seeing the absolutely enormous solicitors fees going out then I would probably start asking searching questions about what Cobbetts are doing............ but I think it's just more a case of in this time of system madness there's not a lot of other cost effective options for them......

 

In the mean time ...... I think all the credit cards make the banks look almost like angels in terms of dirty tricks - or the lack of!....although that is ony my personal thoughts...

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I dont know where to start or hardly what to say.

Today (Saturday 16th June) I received a letter from RBoS thanking me for my letter complaining about the charges applied. They say they explained and went on, (at this stage I thought oh I'm in for a fight), but, as a gesture of goodwil have offered me £4918.00 to be applied to my account directly.

Am I going to accept?

I sure am. It is just short of £200 odd of my target.

As far as I am concerned I have won once the money is my account.

I'll let you know how I get on and a donation to the site will be on its way.

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i'm really glad things have worked out for you...........

 

i only went for charges too....... and everyone seemed to be saying that RBS were one of the better ones in paying up faster and quicker, at least on bank charges.

 

RBS's customer relations unit said to me that from the time the receive your acceptance letter (the one with the box that you have to tick and sign) full payment into your account should take up to 10 working days. I wrote 'em an email and it was in the very next day.

 

I've got a feeling they're dead scared to have you claim go anywhere near Cobbetts - as when it does the costs shoot up with exhorbitant solicitors fees.......;)

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Thanks Dolphin. thanks Atlantic.

Once I have had the money credited to my account I will be donating to this site, and every time I have enough money I think I will make a donation for the sake of it. After all without CAG I would not have had the guts and determination to see it through and the stencils helped loads.

The people on here should be very proud of themselves. I am going to help my girlfriend make a claim from Lloyds TSB.

I wont be forsaking this site either i will be logging on and seeing what is happening and if I can i will help others to reclaim their cash.

as it says "RECLAIM THE RIGHT".

Your all great people thanks again.

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I still havent had any thing cedited to my account, not even sure they recieved my acceptance form. I sent it recorded but up to now i cant track it. Going to give it until Monday then send a letter.

The bank said it would be up to 14 days to credit my account as there is a lot of claims to deal with.

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keep checking your account for next 10 days or so and then if still theres nothing there.... then go chase 'em up.

 

Definately don't be shy in chasing money up - just be super polite and take lots of care how you do it and you should be fine..... I know *they* are not shy in chasing us up for money....after all ;)

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