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    • I spoke to a pro-bono entity this afternoon.  They advise I must initiate a claim in the court v the receiver if I want to then file an application for an order for sale.  I must have a claim/ proceedings to be able to force a sale. The judge in the current proceedings  has told me that I cannot force the lender to sell and the lender cannot interfere either.   If the receiver isn't acting correctly and isn't selling - this means I must make a claim against the receiver
    • Thanks Dave It's not too far away, about 8 or 9 miles, so I will probably venture over on my bike if I can't think of a good reason to drive there again! I'll have a chat with Mrs GB_Joe tomorrow and see which shops they visited, I know M&S was on the list (had to try on multiple sets of trousers!) and they are actually in that bit of retail park. The uniform shop is across the way in the Meridian Centre, so probably not helpful to get them involved.
    • As they have failed to deliver their original PCN you will need to send them an SAR where they should provide that PCN. It should show the address they used . If it is not your current one that would explain the non delivery. If it was correct then perhaps the Post office messed up. A more cynical view would be that UKPC didn't send it so that you couldn't claim the reduction. It appears that UKPC have been there for some time  but I have been unable to find any pictures of their Notices.The leisure park itself is pretty big so while some parts maybe give 5 hours free parking other parts may have restrictions like permits. I haven't been there for years -I went  to Nandos and the bowling centre . I am surprised that they are now infested with UKPC as the place is plenty big enough not to require their dubious services. If you live not to far away it would help if you could get some legible pictures of their signs. Be carful to park in an area that doesn't require a permit and take photos of the entrance signs, the five hour sign and the permit only sign as well as any other signs that are different from the previous signs. Also if their is a payment machine could you please photograph that.
    • This other entity doesn't know what's going on.  To be clear I had huge equity.  No-one would ever expect a lender to erode all my equity.  The question is - if anyone knows the legal answer - on the basis they have a charging order - could they make an application for an order for sale?  
    • Is this place near to you? I ask for two reasons. If you can easily go back, then get photos of the signs.  On GM and Parkopedia there are various comments about the signs being pants. Also go back to the school uniform shop and ask the manager there for contact details for the retail park (which I've Googled & Googled and got nowhere).  The school uniform shop will just be tenants of the retail park, they won't be able to do anything.  It will be the retail park that called EPC in, and we've seen loads of cases where the organ grinder has intervened and called off the monkey.  As for EPC, aye, ignore them until LoC stage.
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    • If you are buying a used car – you need to read this survival guide.
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      • 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
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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 Won**


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Hi All,:cool:

Just started claim to RBoS for a staggering £3,602.57 (before 8% added). Sent prelim letter 05/10/06 almost time for LBA. Received reply today 14/10/06 saying that they are sorry (YEAH RIGHT!!!!!!!!!) and will get back to me.Told me they had enclosed a leaflet for me to read, on how they deal with customer complaints, but no leaflet was enclosed just the letter.Obviously shows how much they care about customer complaints.

I'll do my best to keep you all posted.

Post you soon

Aussie22

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  • 3 weeks later...

Today, 03/11/2006, is 14 days since I sent LBA. I proceeded with the moneyclaim online last night but have received a letter from bank offering a full and final settlement today. I do not want to accept thier offer as it is less than one quarter of what they owe me. Do I still return thier letter stating that I will only accept this as a partial settlement or do I not need to bother as I have already started court proceedings. PLEASE HELP ME SOMEBODY............

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Sent the "partial settlement" letter and state that a claim has already been filed for the full amount.

 

Dont worry, you are right on track.

 

J

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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  • 1 month later...

AQ 149 completed.

Q. I have received a letter from Cobbetts (RBS Solicitors) asking me to send copies of papers to them including copies of legislation. Do I have to send them anything at all or do I just deal with the courts.

Q. Can I sue thier ass for messing me around or better still "penalty charge" them for being late:)

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aussie do claim no.2 or when they offer you full ammount in the next week or so tell them about this charge as well

SETTLED CASES

LTSB (CC) £20 21-8-06

HSBC (CC) £600 19-10-06

HSBC (Ac) No.1 £1900 25-10-06

RBS (CC) £900 25-10-06

Smile (Ac) £1300 17-11-06

A&L (Ac) No.1 £400 23-11-06

A&L (Mortgage ERC) £3900 4-12-06

LTSB (Ac) £200 13-12-06

A&L (Ac) No.2 £120 19-12-06

HSBC (Ac) No.2 £650 29-12-06

LTSB (Business) £1700 13-2-07

RBS (Ac) £4500 + Default Removal 17-3-07

Barclays (Bus) Warrant of Execution 10-3-07 not used yet

ONGOING CASES

Egg (CC) N1 Filed £1300 + Default Removal Judgment Order 9/1/07 In my Favour

Barclays Business loan & 2 accs. S.A.R N1 filed Judgment in Default isued 15/2/07

HSBC (CC) have failed to produce Credit Agreement

TO DO CASES

Egg (Loan)

LTSB (Ac Ltd Company)

LTSB (Loan)

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Take it one step at a time, you have 2 weeks between post, after you have your S.A.R.. Plus lots of help from the lovely, very knowledgeable, people on the form.

 

The hardest parts is waiting and working out the charges they owe you. Once you know what they are you have some lovely pre-made spread sheets you can fill in and the rest is a waiting game.

 

Good luck, keep us posted.

 

StyX

StyX Has Won

 

RBS - £2,500

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Well they're hardly going to just hand it over are they!!!!

 

I thought it was relatively easy but there we go.

 

The only hard thing is just making sure you really know what you're doing and that comes from plenty of reading. If you have any problems, put them in this thread, someone will be bound to help you.

 

__________________

Stuck with RBS charges?

Click here!!

 

Settled

RBS1 £2794

RBS2 £503

Halifax Credit Card £498.14

 

Still to Settle

Barclaycard Est£180

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Thanx T4FF and Styx,

I am awaiting court hearing date at moment.

When I started this claim i was on a role eh. Its just i feel a bit worn down by the RBS solisitors and all the reading i have down on the court process.

I will not give up on this claim.

I will not let those B***ARDS get away with this.

We will all be VICTORIOUS!!!!!!

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Just remember, as long as you have done things to the letter, they won't want to go to court so be positive and expect a settlement soon.....

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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I read somewhere on this site that someone was doing an amendment to thier charges and also had changed thier interest rate to the banks contractual rate of 29.50%. I wonder how they got on????

Thankyou for your reply aswell. I am going to list everything later today.

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  • 2 months later...

Recieved letter from the court, Notice of hearing, asking me to send copies of all documents that I will rely upon in court to them and cobbetts.

Can anyone help me with this one and are there new docs I can send.

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  • 1 month later...

Does anyone know what the Court Bundle documents page is all about.

It asks for:-

 

(i) correspondence ?

 

(iii) statements ?

 

What correspondence do I send and what statements do I send.

Is it correspondence between both parties?

Is it Bank Statements they want or other statements?

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Does anyone know what the Court Bundle documents page is all about.

It asks for:-

 

(i) correspondence ?

 

(iii) statements ?

 

What correspondence do I send and what statements do I send.

Is it correspondence between both parties?

Is it Bank Statements they want or other statements?

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Does anyone know what the Court Bundle documents page is all about.

It asks for:-

 

(i) correspondence ?

 

(iii) statements ?

 

What correspondence do I send and what statements do I send.

Is it correspondence between both parties?

Is it Bank Statements they want or other statements?

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i think correspndence is every letter you've sent and received regarding your claim from the start sar to n1 and statements is your bank statements

Documents Index:

 

S.1 correspondences:

 

A – 04.12.06 LETTER: DATA PROTECTION ACT REQUEST TO Lloyds TSB -1

B – 04.01.07 LETTER: REPLY TO Data Protection Act REQUEST FROM Lloyds TSB

C - 10.01.07 LETTER: REQUEST FOR PAYMENT OF CHARGES TO Lloyds TSB -1

D - 25.01.07 LETTER: ACKNOWLEDGMENT FROM Lloyds TSB OF ©-1

E - 31.01.07 LETTER: LETTER BEFORE ACTION TO Lloyds TSB S-1

F- 05.03.07 COPY OF COUNTY COURT CLAIM FORM ISSUED BY CLAIMANT-1

G - 05.03.07 NOTICE OF ISSUE FROM COUNTY COURT-1

 

 

S.2 AUTHORITIES :

 

A - COPY OF BANK STATEMENTS SUPPLIED BY Lloyds TSB -

B - SPREADSHEET SUPPLIED WITH CLAIM DETAILING SPECIFIC DATES AND COSTS -

C- Relevant Case law Summary

D - DATA PROTECTION ACT (1999)-56

E - DATA PROTECTION ACT (1999)-SCHEDULES-45

F - UNFAIR CONTRACT TERMS ACT 1977-8

F - THE SUPPLY OF GOODS AND SERVICES ACT (1982)-15

G - OFFICE OF FAIR TRADING REPORT APRIL 2006 (OFT842)-39

H - HOUSE OF COMMONS EARLY DAY MOTION EDM (2227)-2

I - UNFAIR TERMS IN CONSUMER CONTRACTS REGULATIONS (1999)-10

J - HOUSE OF COMMONS SELECT COMMITTEE ON TREASURY, SECOND REPORT: ‘TRANSPARENCY IN CHARGING’-14

K - DUNLOP PNEUMATIC TYRE CO v NEW GARAGE AND MOTOR CO LTD (1915) A.C. 79-2

L - ALFRED Mc ALPINE CAPITAL PROJECTS LTD v TILEBOX LTD (2005) EWHC 281-3

M - Peter McNamara, Head of Personal Banking for Lloyds BBC Radio 4 Interview(1994)

 

 

 

mine looks something like this so far have pinched this freom someone else and adjusted accordingly

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