Jump to content


  • Tweets

  • Posts

    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later the your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)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; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. So if you subtract the time you took to drive from the entrance. look for a parking place and park in it perhaps having to manoeuvre a couple of times to fit within the lines and then unload the children followed by reloading the children getting seat belts on etc before driving to the exit stopping for cars, pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
    • New version after LFI's superb analysis of the contract. Sorry, but you need to redo the numbering of the paras and of the exhibits in the right order after all the damage I've caused! Defendant's WS - version 4.pdf
    • Hi  no nothing yet. Hope it stays that way 😬
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 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

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6136 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

What did the court order say? Do you need to submit a new AQ? Check exactly what it says.

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.

Link to post
Share on other sites

  • Replies 290
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

What did the court order say? Do you need to submit a new AQ? Check exactly what it says.

 

Judge has that this claim is stayed untill 23 april to enable parties to attempt settlement, On or before 7may one of the following steps must be taken The claimant must notify the court if the bank have settled.Or the claimant or defendent must write to the court requesting a extension of the stay and explaining the steps being taken towards settlement and identifying any mediator.expert or other person helping with the process the letter should confirm the aggrement of all the parties. Or all parties must file a completed AQ at the court.Where a settlement of some of the issues in dispute has been reached. a list of those issues should be attached to the completed questionaire.The list must be agreed with the other parties and must indicate that has been agreed.

Link to post
Share on other sites

Right, so you need to submit another AQ by 7 May then as nothing has been settled, but there shouldn't be a fee for it, as you've already paid that.

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.

Link to post
Share on other sites

Right, so you need to submit another AQ by 7 May then as nothing has been settled, but there shouldn't be a fee for it, as you've already paid that.

 

Caro do i ring the courts for this? And will they have one sent (the bank)

Link to post
Share on other sites

Yes both you and the bank should send one, but if the court didn't send one give them a ring and check with them.

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.

Link to post
Share on other sites

I rang the courts I had to write a letter to them stateting i havent heard anything from the bank.Its up to the judge to decide where to go from here.Just waiting for a letter now.I did ring again They are very busy the lady said theyre are behind .Alot more people demanding money back form banks Will ring at the end of the week

Link to post
Share on other sites

Hi maggiemay.

 

When you submit your court bundle then put all charges up to that date.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

 

You may not be aware that you can claim beyond 6 years, please read in here.

http://www.consumeractiongroup.co.uk/forum/general/80486-claiming-beyond-6-yrs.html

 

Good Luck,

Hod.

Link to post
Share on other sites

Guest louis wu
When you submit your court bundle then put all charges up to that date.

Basic Court Bundle

 

I am not so sure this is correct. Its my understanding that unless you change your claim (can't remember the form number, but it costs £35 - non claimable), then your bundle should include everything that was mentioned in your N1 of MCOL form, and not anything extra that you want to add on.

 

 

 

When you get your charges back do they pay you all even the ones your being charged now? i am the stage where i am waiting to get a court date.Will they pay me the lot?

 

When the bank call to settle your claim (which they will at some point), mention the other charges and try to get them to refund you. If they refuse, then you will need to start the process agan and claim anything that has accrued since your last claim.

 

Best of luck

 

Louis

Link to post
Share on other sites

Tried paying a bill yesterday.But it declined.Phoned the bank.They said my overdraft has been took off.I reduced it like they asked asked me.So i have to wait for head office to let me know if i can have it back or not.Well p...d off.Its there way of getting back at me.I am waiting for the judge to see which direction to go from here.As the stay is up.

Link to post
Share on other sites

Ooh Maggie, they are some sods aren't they? I know they had said they were going to review it, but this is out of order when your account is in dispute. Can I just ask if you were struggling to keep within your overdraft limit lately, or have had many charges?

 

If not this seems like retaliatory action to me, which is against the banking code.

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.

Link to post
Share on other sites

Ooh Maggie, they are some sods aren't they? I know they had said they were going to review it, but this is out of order when your account is in dispute. Can I just ask if you were struggling to keep within your overdraft limit lately, or have had many charges?

 

If not this seems like retaliatory action to me, which is against the banking code.

 

I was struggling.But i had £450 that went in yesterday. so it brought me back up i think.But why do they have to ask head office?If i want to up my limmit i ask they usually put it up.They asked if i can reduce it.Which i did.My overdraft was £600.Now i got down to £400.Just waiting from head office to see what they say.I did write to the ombusman expalining i think i am being victimised.Cause i am claiming back my charges.They must have got onto the bank.Because the lad said to me this has nothning to do with you taking us to court.Its a review.Never had one before.So i am still waiting .Dont know weather to ring the bank again

Thinking about it i have had changes from working to going on incapacity benifit.

Link to post
Share on other sites

I think if I were you maggie, I'd open up a new basic account somewhere else, and get your benefits and any other money paid in there as quickly as possible, unless you have another account you can use. Then write to YB reminding them that the account is in dispute, and that they should not take any further action until the dispute is resolved.

 

I opened a Nat West Step account as a parachute account, but lots of banks have basic accounts, although you can't get overdrafts with them. Once your charges are repaid you can clear the YB overdraft once and for all and close the account.

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.

Link to post
Share on other sites

I think if I were you maggie, I'd open up a new basic account somewhere else, and get your benefits and any other money paid in there as quickly as possible, unless you have another account you can use. Then write to YB reminding them that the account is in dispute, and that they should not take any further action until the dispute is resolved.

 

I opened a Nat West Step account as a parachute account, but lots of banks have basic accounts, although you can't get overdrafts with them. Once your charges are repaid you can clear the YB overdraft once and for all and close the account.

 

I have my morgage.Isa accounts. loans. pay all my DDs.My tax credit payed in.family alowance. incopacity benenfit.Every thing gets pay in here.I have opened a other account TSB.I am really peeved of what they have done.

Link to post
Share on other sites

I can imagine. I know it's a pain, but I was just thinking it might be worth changing banks anyway. Get YB off your back once and for all. It's up to you.

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.

Link to post
Share on other sites

I can imagine. I know it's a pain, but I was just thinking it might be worth changing banks anyway. Get YB off your back once and for all. It's up to you.

 

My morgage is with yorkshire bank.so are my loans.

Link to post
Share on other sites

Ah right. Just a thought.

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.

Link to post
Share on other sites

I've got a similar problem with these 'people'. They refunded my charges but paid it straight into my account, then reduced my overdraft by the amount they refunded. I only went overdrawn in the first place because of charges. I have already opened another account with a different bank and transferred everything over to that account, but I was expecting to get the refund by cheque so I could pay it in to the new account.

Link to post
Share on other sites

I've got a similar problem with these 'people'. They refunded my charges but paid it straight into my account, then reduced my overdraft by the amount they refunded. I only went overdrawn in the first place because of charges. I have already opened another account with a different bank and transferred everything over to that account, but I was expecting to get the refund by cheque so I could pay it in to the new account.

 

Hi i havent had refund.Phoned the courts this morning.(They were on strike yesterday) The lady said this is the longest yorkshire bank case she has know.In there courts.I am still waiting for head office to let me have my overdraft back.Still heard nothing since monday.They have returned a cheque for my avon charged me £35. B------s. They said its nothing to do with me taking them to court.Yeh right!

I am still overdrawn by £185.I do have this money in a other acount.If they want this paying i will pay it I will wait till they ask..I live in my overdraft and they know it. Thats why they are being funny i think.

Link to post
Share on other sites

You need to specify how you want paying and can ask for it by cheque. They cannot impose conditions on the settlement, and that includes how they pay it.

 

Having said that, at least you no longer have the debt if it's been used to reduce the overdraft. I take it the overdraft was more than just charges robingetz.

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.

Link to post
Share on other sites

Yeah, my overdraft consisted more than charges, but the extra money from the refund would have been better for me and I could have reduced the overdraft by a little and had the rest for myself. Now they are reducing it by £50 a month until it is paid, out of spite I think.

Link to post
Share on other sites

Phoned head office today.Asking about my overdraft.Guess what they said? Its nothing to do with us regarding your overdraft its your local branch, Who put it back on. I rang customer services explained what head office had said.She said i will put you threw to your branch.Then she came back to me.And said they are in the middle of putting your overdraft back on now.Yet they wouldnt speak to me (my branch) It was them all the time being awkward with me.They have till 7 may to pay out or write and explain to the judge why they havent settled with me.

Link to post
Share on other sites

Great news about the overdraft and here's hoping you get some good news regarding your court case in the next day or two :)

 

Sarah.

Yorkshire Bank

Started Process 19th Sept 2006.

All Stages Followed.

Next Step Court!

Hearing Date 7th June 2007.

WON!!!!! 6th June 2007 :D

 

Frequently Asked Questions

Example Step-By-Step Instructions

Link to post
Share on other sites

Glad your overdraft is getting sorted Maggie. I thought it seemed odd that Head Office got involved in overdrafts.

 

Just to let you know that if you are on benefits, and need your money for living expenses etc, you can send the bank a letter of appropriation listing what you need, and they have to let you have the money, as benefits are the minimum amount of money the Government says you need to live on. I've attached a link for you here in case you ever need it.

 

http://www.consumeractiongroup.co.uk/forum/general-debt/36790-bank-taking-your-benefits.html?highlight=letter+of+appropriation#post289030

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.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...