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    • I have received a PCN from Euro Car Parks for MFG - Esso Cobham - Gravesend. I was completely unaware that there was any such limit for parking and always considered this to be a service station. I stopped there to use the toilet, have a coffee and made a couple of work calls. I have read the previous topics on this location which suggest I can ignore this and ECP will not take legal action. The one possible complication is that the vehicle is leased by my employer so I do not want to involve them with the associated reminders and threatening letters. The PCN was first issued to the leasing company Arval who have notified ECP of the hiring company. I have attached a copy of the PCN Notice to Hirer with details removed as per instructions. What options do I have or should I just pay the PCN promptly at the reduced rate of £60? img20240424_23142631.pdf
    • What you have uploaded is a letter with daft empty threats from third-party paper tigers.  Just ignore it. What we need to see is the original invoice you received last October or November.
    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
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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.

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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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New user.......heres my story


caro
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Brilliant start - well done. I think I might just give them a ring. Make sure you keep going and get the rest as well though. Keep us posted.;)

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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Ok. Its a ln long story but i'll try to summise.

 

I've worked in banking, mainly mortgages for sometime. I'm 25 and over the past years have worked for Halifax, First Direct and GHL which is an company currently servicing and processing all mortgage applications and accounts for Barclays and Woolwich. I considered my self reasonably knowledgeable to choose a new bank account after not getting on with Barclays.

 

For some stupid reason i chose Smile and have for around 6 years been faced with charge after charge. My account currently stands at £-964.57 and i dont even have an overdraft :x

 

The reason i dont have an overdraft is because i was unemployed for a month several years ago. I missed a payment and rang asking for help. I asked for a £500 overdraft increase taking it to £1000 for 2 months. They kindly gave me that then after 1 month removed it resulting in large charges. After lots of arguing they agreed o give me back half the charges but removed my overdraft. I was now in a position to almost clear it. They removed my credit card facility and said i had to pay that back within 6 month and also suggested i take a new loan to consilidate the £100 or so pound i couldn't afford to pay on my current account. Desperate to have some money to live on i took that option.

 

I am now roughly £7k in debt to smile. I haven't used there account for over a year and untill last week didn't hve access to the internet so have a standing order for the loan plus £50 extra put in the smile account every month. So so many times have i had to ring because they have refused to change payment dates more than once in a year, i have again incurred charges. So i'm now up to 900 odd pounds overdrawn without knowing till last week, they are aware i did not have internet for almost a year and have not informed my by any other means. I have left messages for managers to ring me back which they never do.

 

Im shocked hence my user name notsmilingnow. :sad:

 

I've read some of the info listed on this site and it mentions that a daily interest charge is agreed and therfore not refundable. This month i have been charged £150 daily excess charge, £15 service charge and £11.49 interest. Plus as they have decided not to carry out the standing order within the account the credit card has not being paid and that itself has a £20 odd non payment fee plus interest of about £10.

 

Have i miss read the info on this site or can i start claiming these kind of fees?

 

An estimation so far but i reckon £2000 minimum just in daily excess charges plus a further £1000 in service charges and interest has been added to my account in the last 3 years. I understand you can go back through 6years?

 

Sorry for the long post folks i just felt i needed to get it off my chest and give some background info.

 

:(

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Hi welcome..

 

keep reading the various relevant threads and FAQs it really does help to settle things in your mind.

 

basically yes you can claim back a large portion of the fees and charges you refer to. Particularly the "daily excess charge" as this is just another unlawful charge that is punitive in nature.

 

Effectively smile have the right obviously to charge you interest applied on a monthly basis to your account - eg for the loan, or the amount you may be overdrawn - I see you refer to £11 interst.. this is not what you are claiming back. What you claim back are all the latepayment or missed payment charges, both on your current account and your credit card. it doesn't matter how they arose, they are unfair charges - this includes the daily excess charges.

 

So get your statements from the current account and credit card. highlight all the charges applied and calculate the total.. then crack on with sending your prelim letter (see the bank templates library) requesting full refund of said charges.

 

Good luck.. it is worth the effort my friend!

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"BA Group. The World's favourite CA Group"

 

HSBC 2 claims amalgamated. £1195. settled in full prior to filing claim.

BARCLAYS settled in full 2 days prior to submission of defence by Barclays

CAP ONE settled in full on day 14 of LBA (£210)

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I'm quite well known at smile now and decided just to ring them first. I've got £720 back just by ringing. I mentioned this site and taking them to court. Lots more fees to claim from them yet. Brilliant site and thanks for the info Don.

 

I'll keep you all updated. Already printed 60 odd pages of my account.

 

Smiling a little :-|

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Keep at it mate,

 

Like a lot of us have said before...it's your money. Like the 'Don' says, take heart from the success the forum members have got and always keep that to mind when dealing with them. Add up your daily excess charges and service charges. Also, keep an eye out for 'commission' charges on your statement (these aren't detailed in the summary at the foot of the statement) as these refer to any 'bounced' cheques. Include these in your calculation when you get your statements through.

 

Happy hunting :-)

Smile: £2,522 full payment received,

Citi Cards: £693.71 balance written off. Full value of Court claim,

West Brom Building Society: DPA request sent 15.05.06,

Capital 1: £220 claimed LBA sent 15.05.06.

Barclaycard: DPA request sent 16.05.06

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  • 12 years later...

This topic was closed on 11 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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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Thread Locked

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Please click the "Report " link

 

at the bottom of one of the posts.

 

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Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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