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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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    • 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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.
      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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I'm absolutely fuming today!! Things have been a bit tight over the last few months, and I've only just been staying within my overdraft [and the £25 buffer] limit. I received a letter today from internet banking to say that there wasn't enough in my account to pay a £20 s/o [this was due on Weds], so I phoned the company I owed it to and paid by switch today [payday]. I also had a couple of other dd's due on wed. These went out, but it must have took me beyond my buffer zone. I only realised when I've checked my internet banking today.

 

What's got me really angry though is the fact that they've slapped a £25 'unauthorised o/d fee' on yesterday. The following points are what's really got me annoyed:

a] According to my statements unauthorised o/d fees are £8 per day, and £25 just shows as charges.

b] I can't find the terms and conditions, but I'm sure I've seen it somewhere in the bumph I've had that they write and give you advance notice when a charge [other than the daily charge] is going to be slapped on!

 

Any advice on this? And, how do I go about adding this to my claim now that my AQ's been submitted with my schedule of charges?

 

Cheers PJ x

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer 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. Also visit legal seagulls for more friendly help and advice.

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After a quick search online I found the charges for current accounts.

 

Yorkshire Bank Interest rates and charges

BEFORE starting your claim read through the FAQ's and if there's something you aren't sure of then ask.

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Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.

 

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Thanks for that Blueskies - they've obviously changed it since I last had charges! Am I able to add it to my claim now that my AQ has gone in, or would it be simpler to keep a note of it in case I occur more charges and claim again in future?

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer 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. Also visit legal seagulls for more friendly help and advice.

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Id personally wait until they offer you an out of court settlement and then when they do, tell them you want these charges as well.

 

If it goes to court and you win, which we know you will, then tell them if they dont pay these you will take them to court again

 

(And I still havent had my bin emptied)

Whatever I post is my opinion and should be taken as such, an opinion. While it is what I believe and is offered in good faith, it should not be taken as a statement of truth

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Righteo, YB have sent me a copy of their AQ today. They've said that they wish further action to be postponed for a month so that we can attempt to settle - I take it I just sit back and wait to see if they contact me know to pay me my dosh?? They've also said that are intending to call 2 witnesses to give evidence at the hearing - who on earth could they possibly be??

 

Have any other banks called witnesses? and if so, in what capacity?

 

Any thoughts appreciated

 

Cheers PJ x

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer 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. Also visit legal seagulls for more friendly help and advice.

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Hi

 

They put exactly the same on my Mums AQ, so we are just waiting now, especially since we received the stay from the Judge.

 

We were wondering on the 2 witnesses and came up with shortlist;

 

Laurel & Hardy

Delboy & Rodders

Batman & Robin

2 random people pulled in off the street (in a last minute wedding stylee!)

 

We could go on and on and on, but honestly we have no clue who they could be. I guess if it all goes our way it will remain one of lifes little mysteries..............

 

Rachel

Doing this on behalf of my lovely Mum!!

 

LTSB No1 - £200+£31.70+£30 = £261.70 COURT DATE SET 8TH NOVEMBER 2006

LTSB No2 - £423 +£124.16+£80 = £627.16 DEFAULT JUDGEMENT GRANTED DUE TO NO SHOW FROM LTSB

Yorkshire - £498+£102.64+£80 = £680.64 COURT DATE TO BE ADVISED - ALLOCATED TO SMALL CLAIMS TRACK

Citi - £1600+£361.46+£120 = £2081.46 CHEQUE RECEIVED F&F SETTLEMENT 07.06.06

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As you say PJ, wait for them to come to you. Do we really think they will go to court? No we don't. Therefore do we care about witnesses? No we don't. Is this more intimidation? No I can't be libelous so I hadn't better suggest that.:rolleyes:;)

 

Just sit tight PJ and let us know what they do. You know where to find us if you need help and support. Sit tight and wait for the offer, and don't settle for anything less than your full claim. Finally some movement but they can still drag it out another month.

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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That actually sounds like good news to me. They may be dragging it out a bit longer but the end is nearly in sight. I think an offer will be coming soon :)

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

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That's my opinion too Rob. Am I right in assuming that if the judge agrees the stay, then after that one month it's a case of waiting for a court date and the end is nigh? [i really really don't think it will get that far now - I can't believe I even felt remotely worried the other week Caro!] If they don't contact me to resolve this, I can't imagine the judge would be too impressed would he? And would it be too cheeky of me to ask them to throw the £25 they charged me last week in? or shall I just save that for if I have to claim again?

 

I know, I know, too many questions - my head's running away with me now and I might be getting a bit too giddy a bit too soon lol

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer 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. Also visit legal seagulls for more friendly help and advice.

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If you haven't come to a settlement after the months stay then yes, I assume you will be allocated a court date. I think it may be too late to add the new charges on now, if they offer the full amount you put in your claim you can't turn it down just because you've incurred charges since.

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

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Thanks for that, I thought that might be the case, just wanted a 2nd opinion. At least now I know better than to throw my statements away after a year :)

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer 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. Also visit legal seagulls for more friendly help and advice.

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but,

 

your prelim letter gave them 14 days

you lba gave them another 14 days

the court action gave them 28 days

 

why the hell should they be allowed another month ?

 

its blantant misuse of the court system imho

Halifax Credit Card - £408.16 - Settled in FULL 26/6/06

Halifax Loans - £397.97 - Settled in FULL 25/8/06

GE Money Topman £216.75 - SETTLED IN FULL

Marbles LBA - £475.00 - £250 Offered :rolleyes:

Halifax Current Account LBA - SETTLED IN FULL

Yorkshire Bank Current Accounts £2271.77 - Issued 30/6/06 - Default Judgement Issued - Warrant of Execution Requested

Capital One - LBA - £88 Knocked of Balance

Egg PPI - LBA

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I completely agree with you Dan - it takes them 2 minutes to slap a charge on and, so far, this process has taken me almost 5 months to date. They know, and we know, that they'll settle up so why waste everyone's time

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer 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. Also visit legal seagulls for more friendly help and advice.

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I completely agree with you Dan - it takes them 2 minutes to slap a charge on and, so far, this process has taken me almost 5 months to date. They know, and we know, that they'll settle up so why waste everyone's time

 

They do it because they can.

For them, it's all about control.

This is the basis of how they operate, how they treat their customers, banks are not run on a mutual basis, they are in it for the money and nothing else.

Of course they haven't yet worked out that the longer they stall, the more interest they owe.

You'd think that a bank would know that? Maybe they really do think they can win? :confused:

Headless chickens.

19/6/06 Data Protection Act letter sent recorded delivery.

27/6/06 Confirmation of receipt from Clydesdale Bank. Awaiting statements.

7/7/06 Statements arrived in the post - all 3 accounts as requested. (This took 18 days in total).

10/07/06 3 accounts - £898.00 excluding interest of £216.61 - Prelim letter posted by recorded delivery.

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They've implied they have witnesses to try & put the sh*ts up you thinking it'll make you settle for the first amount of cash they offer to you.

 

How transparent are they? It's like being in a playground!

Yorkshire Bank £2201.24 - Settled in full

My Abbey £731.34 - Settled in full

Hubby's Abbey £1239.49 - Settled in full

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They've implied they have witnesses to try & put the sh*ts up you thinking it'll make you settle for the first amount of cash they offer to you.

 

How transparent are they? It's like being in a playground!

 

Playground? That's the basis of their whole credit scoring system.

 

"Miss, Miss, he went overdrawn so I'm going to tell on him so he can't get any credit anywhere. So Ner"!

 

It's quite pathetic. Whatever happened to having bank staff you could really talk to? They've replaced them with automatons who are unable to make a decision for themselves, and who supplement their wages by selling you an insurance policy you don't need..

I've been with YB since 1975 and it counts for nothing.

19/6/06 Data Protection Act letter sent recorded delivery.

27/6/06 Confirmation of receipt from Clydesdale Bank. Awaiting statements.

7/7/06 Statements arrived in the post - all 3 accounts as requested. (This took 18 days in total).

10/07/06 3 accounts - £898.00 excluding interest of £216.61 - Prelim letter posted by recorded delivery.

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If they think they're going to put the sh*ts up me they've another think coming. Anyone should know better than to cross a p*s*ed off Barnsley lass, eh Trunny ;)

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer 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. Also visit legal seagulls for more friendly help and advice.

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PJ - I genuinly check your's, Caro's & Trundlecat's threads every day, JUST so that I don't miss the point when you finally get to say "I'VE WON!!!!" against this despisable, horrid bunch of people.

 

I hate them so much it gives me goosepimples just picturing that refund hitting my account, and I can quite imagine that it's a similar story for everyone else that's been unfortunate to have been involved with this lot.

 

So, for what it's worth - I, along with many others here, am firmly right behind you!!!

 

C'MON!!!

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Oo JMio I feel like one of the three musketeers, and you can be our D'artagnian (sp?).

 

All for one and one for all. :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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Ooooo, now then. Just opened my mail (bit late but been out all day today) & I have a copy of YB's AQ. They've asked for the 1 month to try & settle but no indication of witnesses on mine. That says to me they are just using the witnesses thing as an intimidation tac-tic (like with my "not in joint names" saga).

 

Make that lasses PJ cos they're really rubbing me up the wrong way now!

Yorkshire Bank £2201.24 - Settled in full

My Abbey £731.34 - Settled in full

Hubby's Abbey £1239.49 - Settled in full

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PJ - I genuinly check your's, Caro's & Trundlecat's threads every day, JUST so that I don't miss the point when you finally get to say "I'VE WON!!!!" against this despisable, horrid bunch of people.

 

I hate them so much it gives me goosepimples just picturing that refund hitting my account, and I can quite imagine that it's a similar story for everyone else that's been unfortunate to have been involved with this lot.

 

So, for what it's worth - I, along with many others here, am firmly right behind you!!!

 

C'MON!!!

 

I couldn't have put it better myself! Getting my money back from YB will be extra extra sweet!

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

DON'T FORGET TO DONATE!

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...... Waiting with bated breath for Mr or Ms "please do not post potentially libellous comments" to incorrectly hack the last few posts to bits.

Yorkshire Bank £2201.24 - Settled in full

My Abbey £731.34 - Settled in full

Hubby's Abbey £1239.49 - Settled in full

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I thought about it Trunny. Any complaints and it will have to happen. ;)

 

Do you know I am getting really excited by all this at the moment. Let's hope things really are moving.

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I like the three muskateers analogy - or is it muskateerettes? lol You lot are an absolutely fantastic bunch to have behind me, and I've got to admit that without all your support I'd have probably jacked this in at the first hurdle.

 

And Trunny, they're not playing fair with you - I'm sure you'd have loved to see Laurel n Hardy, or whoever, in court as much as I would :D

Advice & opinions given by pjdudley69 are personal, are not endorsed by Consumer 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. Also visit legal seagulls for more friendly help and advice.

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