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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.
    • 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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    • 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.
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letter received now what? please help


Freda_Bloggs
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i sent the first letter with a schedule of charges on the 21st to the colmore row address got a letter today from kerry parfitt at the andover address telling me that they were sorry to hear about my complaint and they are investigating, would take upto four weeks i am due to send the second letter next wednesday i assume i go ahead and send the second letter acknowledging their reply and informing them i am giving them 14 days to reply or i am going to court? (it took me 45 minutes to track the charges i am claiming using the online banking facility so how can they say its 4 weeks to check?)

thanks in advance

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Hi & Welcome!:)

Yes send the LBA next week, their reply is typical, trying to drag it out as usual.

Good luck, let us know how you go on.

Barty:)

 

 

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html I WON!!!!:D :D

If I have helped, please click my scales:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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They do take their time Fred. You will probably have to go all the way to a court date before they will pay up.

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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  • 1 month later...

i sent my cliam via MOL and recieved the letter telling me that TSB had until the 15th to reply, that was yesterday and i have heard nothing no defense or anything else, what do i do now? after reading about the one they 'won' what next please help i really don't want to do the wrong thing now

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ok now i am falling apart have been reading other posts and checked my claim on MCOL, they have acknowledged...... must have gone in late yesterday cos it wasn't there when i checked, after reading someone elses post i re-read my claim and can't see my account number on there anywhere, yet i checked and rechecked everything following the templates on here :eek: feeling a bit sick now

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i claimed with mcol, and just missed the account number off, spoke to a very helpful member from here who suggested i call the court they sent me an email with all the forms i need to send back (with a £35 fee) and i can ammend the original claim and re-serve

i don't know what i would do without this place!!!!!!

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  • 2 months later...

i received a letter today from Lloyds solictors offering full and final settlement for the full amount claimed all i had to do was sign and return leter within 10 days as they had to file defense. letter was dated 25th (wednesday) but i only got it today cos of the postal strike. i have signed and returned letter by fax and will back up by post tomorrow with this oft court thing now happening if they don't have to file a defense will they still honor the letter?? i feel like i have won but they will not have to pay?

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If they have agreed to repay you and you have it in writing then I cannot see there being a problem (my opinion)!

 

Did they say how long it would take to process payment once they receive your signed acknowledgement??

 

Let us know how you get on.

 

Best wishes.

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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I too received full and final settlement letter from SC&M sent reply back last Monday. Telephoned SC&M to get an idea of how long it would taqke for the money to be paid into my account and was advised that it takes 2-3 weeks.

My AQ is due in Court 5th August so I have spoken to Court today and was advised to write a letter to the Court advising of offer of full and final a settlement and asking for the Court to defer my case to a future date to enable payment to take place. I also stated that I would advise the Court if payment was made.

Hope this throws a bit of light on things for you?:p

Good Luck - nearly there:-D

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Don't want to throw a dampner on this, but have a read of this thread:

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/108087-court-hearing-today.html

 

Settlement letter, payment never arrived. Court date came and despite having the letter, and proof that SCM signed for it, the case was stayed.

 

Seriously hope this was a one off but I would not count on anything until that money was safely in the account. And make sure you send the settlement letter so that they have to sign for it.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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i don't have a court date yet i only re-served them last monday (dozy person that i am missed my account number off the original claim) i am honestly shocked to have this happen so i can wait 2-3 weeks

 

thanks Barty i have my fingers and toes crossed now lol

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Don't want to throw a dampner on this, but have a read of this thread:

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/108087-court-hearing-today.html

 

Settlement letter, payment never arrived. Court date came and despite having the letter, and proof that SCM signed for it, the case was stayed.

 

Seriously hope this was a one off but I would not count on anything until that money was safely in the account. And make sure you send the settlement letter so that they have to sign for it.

 

 

i will definately send letter so they have to sign for it but i actually had the branch fax it to them today .... and i have proof the fax was sent just incase they said it didn't get sent (and i checked the number to make sure she sent it to the right place)

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  • 2 weeks later...

can i start with a very sincere thanks to EVERYONE here who helped with advice, i messed up my claim big time and there were so many times i almost gave up ...........the money went into the bank today paid in full just 3 days after posting back a reaffirmation that i was going to accept

thank you thank you

 

i don't know if its possible to knit all my posts together?

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