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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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Dozer v Abbey


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Hi everyone am new to this so please be patient, I sent my SAR to Abbey and after about 6 weeks received all my bank statements, when I totalled the list of charges it came to a massive £5+k, I then sent the letter requesting a refund of these charges and after 14 days received no response, I contacted Abbey on their complaints hotline and they told me that they had sent a letter on the 14th March (never received) that stated that on this occasion they would not even be offering a ogw, has anyone else had a similar letter or should I be worried....the 14 days has now expired should I continue with my LBA or wait for the letter to arrive to see why they will not even offer the ogw

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I would definitely continue with your time scale ie send the LBA. Concurrently I would ask them to resend the alledged correspondence that states they are not prepared to refund the sum you have asked.

 

In respect of them not offering to settle, this sounds pretty standard so don't be put off by it :)

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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You want to stick to your deadlines not the Abbeys.

prelim = 14 days. Abbey normally sends a standard letter saying they are investigating your complaint.

LBA = 14 days Abbey will probably send another letter saying that they need another 4 weeks to investigate.

After the 14 days file the claim. You will probably get another letter saying that they could find nothing wrong and that they are acting lawfully.

They are all bog standard letters we all receive and why it's important to stick to your own timetable otherwise they will give you the run around.

 

regards pmahonc

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There are quite a few ongoing threads (and successfully completed claims) for over the magic £5k figure. One current is http://www.consumeractiongroup.co.uk/forum/woolwich/59442-what-if-looks-like.html

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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right with some help from josamolly I have done an updated schedule of charges, (thre were not enough columns for all my charges!!!!!) and I have just sent this along with my LBA, roll on 10th April, now on to my next question, I have printed off 3 N1 forms and have started to fill them out ready for the inevitable court action, do I send these to court or deliver them? it is also asking for a solicitors name? what do I do here, I don't have one do I need one? also what is the interest under s69, I have already put down the 8 percent as overdraft interest, am I missing something?

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Hi dozer,

 

1.N1 forms...send or deliver whichever is convenient. I would deliver them myself because the court staff are very helpful and will point out if you've fogotten anything

 

2. Don't need a solicitor so ignore it

 

3 8% isn't overdraft interest, it's interest that at the discretion of the court you can claim back from the defendant ( ie Abbey). This is s.69 interest.

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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Well just giving you an update, as expected the Shabby have not replied to my LBA at all, so today am sending off my N1, spoke to a very nice girl at my local court who informed me that 99 per cent of banks are responding to their issue letter and that virtually none go to judgement after 14 days, roll on 14 days thats what I say....maybe they will miss mine....will let you know how it goes

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99 per cent of banks are responding to their issue letter and that virtually none go to judgement after 14 days, roll on 14 days thats what I say....maybe they will miss mine....will let you know how it goes

 

She has obviously not been reading up on CAG then.

 

Abbey are 95% of the time acknowledging calims and are defending in full which gives them 28 days from the date it was issued, you will then receive a copy of the defence with a letter offering 50% GOGW (unless they have made an offer to you before).

 

Sorry don't want to be the bearer of bad news but this is how Abbey are dealing with cliams currently.

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Are they actually going to court? the threads I have read seem to suggest that they are settling before the court hearing.....don't really fancy going to court and am getting a bit worried.....

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Dozer,

As I am claiming £5+k does this mean that when I go to court I cannot do it through the small claims and will have to fast track?
Missed this the other day. My claim is >£8K (£5K charges + £3K overdraft interest). I sent my draft AQ to Abbey and offered them the choice of SCC or Fast Track. Guess what - they opted for SCC for "reasons of commerciality" or some such nonsense, and I don't really care. The Judge allocated it to SCC. My Bundle's in the post. Roll on 19 April. Regards, Mad Nick

Abbey £8370 settled 17 Apr 07

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Are they actually going to court? the threads I have read seem to suggest that they are settling before the court hearing.....don't really fancy going to court and am getting a bit worried.....

 

As yet they have not gone to court, but you need to be prepared just incase they do decide to go, don't worry about it just yet keep an eye on the dates that are being set by the courts now you have filed your N1, anything you get through the post and you are not sure about post it here and someone will confirm what to do next.

 

I would suggest that you read as many Abbey posts as possible if you are not doing so already, this way you will know what to expect so you will be prepared and ready.

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  • 3 weeks later...

Right guys just giving you an update on the story so far, I sent my N1 off to the courts and this was deemed served on the 18th April, Abbey have until 2nd May to respond and whilst I think they will do just that, they have now issued a default, I have sent them the letter saying they can't under the data protection act 1998, but they said they will anyway....what is my next move, is there a template letter for the section 6 clause of the banking code?

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Guest Mumofthreeboys

Do you know that they have actually entered a default against you? Chances are if they have just issued it, they haven't yet applied it to your file, but you should check.

 

If they have applied it, I would file an N244 and have the default removal added to the POC.

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  • 2 weeks later...

Right having talked to likelylad on the chat forum, am keeping you up to date on something further. At the moment I have an overdraft with the abbey, which should expire at the end of the year....when I sent my LBA, they requested that I pay back this overdraft or else they would issue a default, I wrote them a letter saying that whilst my account was in dispute they would not be able to issue default proceedings, and followed this up with a phone call, where I was told that they would go a head anyway, I reminded them of section 13 of the banking code, which went totally over their head, but they sent me a letter the following day requesting return of my bank card, I went on line to check my account and found that I could not log on to my internet banking, another call was made to the bank whereupon they informed that due to non payment of my now unauthorised overdraft they had closed my account and that I must return all my cheque books and cards or else THEY would issue court proceedings, I did this the same day, cutting up the card on return, the predicament which I discussed on the chat forum was that as a lot of ppl seem to be getting gogw at the defence stage and mine is due on the 16th May, how will I know if I have been offered one so that I can reject it, or accept it in part payment, and do they give you a time to accept or does it become full and final if not acknowleged.

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You gotta just wait for them to give you GOGW. As for your bundle, iwould wait till you get your directions as you may not have to compile one. You will have at least a month until the hearing which should be plenty time to prepare. And as for them taking your overdraft and cards etc, They are breaking their so called codes because in a leaflet they provided me with following my LBA it said that they would give 1 months notice before doing anything like this. Talk about 2 faced!. I don't even bank with Abbey and i hate them. Almost as much as the halifax but thats because of their crappy adverts which i have to turn off!!!!!!

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iwould wait till you get your directions as you may not have to compile one.

 

Have to agree I held off starting mine until I got the directions back from the judge, and today I have just found out that he has struck Abbey's defence out so I have entered judgement.

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