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    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.
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      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.

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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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Hass vs Lloyds TSB - GOT there! ***WON***


Hass
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Hi there

 

I'm in the late stages of this, or so I hope. I have a court hearing on 27 June and I'm preparing the bundle.

 

I came accross this website through a link in the moneysaving site, and it has been extremely useful, especially with the court bundle but I don't know if have to provide the bank statements from when the charges occured (that's a question).

 

If it all goes well I should get my £592 in charges back. If I include interest and court fees it goes up to £675. I'd have never thought I would be able to get my bank to pay back for all the painful I charges that I got while I was a student and struggling with my finances. Thank you everyone here!

 

Hass

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did you reclaim the over draft interest that was showing on your statements? skeggsy

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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did you reclaim the over draft interest that was showing on your statements? skeggsy

 

Hi skeggsy

 

I'm claiming only the charges, not the overdraft interest.

 

Hass

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Thank you Michael

 

I have now managed to find all the statements. I'll spend some time photocopying later. Quite glad it's bank holiday, otherwise I would have had to do this late at night, which is not great.

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I have a hearing on 27 June and have sent the schedule of charges to court.

 

A couple of days ago, while putting together my bundle I found I had made a mistake when I initially did my list of charges, and one of these charges (or part of it) had been waived off by my bank (!!!). It still appears at the end of one of my statements as "notification of charges" to be debited the following month and hence my mistake.

 

I will phone the court tomorrow morning, but i'm not feeling good about this... Will the claim be struck out?:o Should I send a letter to SC&M?

 

I'm worried.

 

Hass

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I will phone the court tomorrow morning,

I wouldn't bother, you'll just complicate matters

Will the claim be struck out?:shock:
No, it doesn't affect the validity of your claim at all

Should I send a letter to SC&M?

No, let them find it. Come settlement, assuming they realise, they will merely reduce the payout by that amount
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  • 4 weeks later...

Hi there

 

After the latest developments with Lloyds TSB cases I've noticed it's now important to include T&Cs in the bundle. The problem is I don't have them and the link to an archive doesn't seem to yield any T&Cs for my account opening date (April 2001). There is a Lloyds TSB page but no T&Cs to be found.

 

Should I find T&Cs for any other date? If so, does anyone know where do I find it? I have to submit my bundle to all the parts in days (12 June) and I don't want to be late or have the bundle incomplete...

 

Thanks for reading this post!

 

Hass

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I really need help on this!!!

 

As I said, I don't know if the "web archive" info is valid as t&cs. All I found was this:

 

Lloyds TSB - Personal Overdrafts (from the Lloyds range)

 

Can I use this to argue that I wasn't offered such thing as a "service" for which I have to pay a fee?

 

One more thing, I had to send my bundle as it is this morning, since I got no reply to my question and time was pressing. It had to go without t&cs (or equivalent) and didn't manage to include the "Analysis of unfair terms in schedule 2" by the OFT (that's quite a mouthful:) ) and the other bit.

 

Is it possible to add all this extra information to the bundle after I've sent it to court and sc&m? After Birmingham, etc, it seems very important to include all this.

 

Any help will be extremely welcome!

 

Hass

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I am at exactly the same stage as you with a court case Hull court 26th June. I am just off out the door so no time now but at some point tomoro i will give you a list of everything in my bundle and you can give me a list of whats in yours. We can then see if one of us missing something the other one has included

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If anyone could offer advice on the technicality of sending extra information after the bundle has been submited (basically, is it possible?), that would be great!

 

Hass

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Hi that list

 

Correspondence

Statements of charges

BBC news report

OFT Report Summery

Orton letter

McNamara interview

Early Day Motion

Relevant case law

Witness statement

Scotts Law Commission Report

Things that i cant find are

Competition Commission Report

Data Protection Act Subject to manual intervention

Automated charge notification letters (all mine have been destroyed)

Cheers

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Hi there

 

Thanks for the list

 

I have included the same as you, only that some of these things (Scots Law and "Analysis of unfair terms in schedule 2" by the OFT, which you don't seem to have) I haven't sent with the bundle. I phoned the court today and they say it's possible to send more evidence, as long as it's before the 14 days before the hearing. Good!

 

As to the bbc news report, I didn't know about that one.

 

I'm sorry to say it's also the first time I hear about the things you haven't found, so I'm not much help on that.

 

As to the "Analysis of unfair terms in schedule 2" by the OFT, you can find that on http://www.consumeractiongroup.co.uk/forum/lloyds-bank/82148-got-court-date-important.html, or directly on http://www.crw.gov.uk/resources/utccr%20guidance-part2.pdf. It's good to check the first link often, as they update it. Now there's a new Orton letter-like document that can be used as evidence (I just noticed that one).

 

I didn't know automated charge notification letters were useful. I threw one in the bin very recently!

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After having sent my bundle both to the judge and sc&m last thursday I haven't had any feedback. Do sc&m always wait until the last few days before the hearing? Do they settle just after receiving the bundle?

 

I hope they settle before the hearing!!!

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Hey, hey, hey... I got a letter from sc&m and a payment into my account. They settled!

 

They made sure I went through all the trouble of sending the bundle, etc. They paid £681.96, including interest, and £80 of court fees.

 

Many thanks. It worked!

 

Hass

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Sorry Hass im going to hijack your thread. As i have said before i have a court date the day after Hass was meant to have his. I have watched this thread closely and was really pleased for Hass when Lloyds paid up. I am due in court this coming Tuesday so was expecting a letter from Lloyds agreeing to pay me out. It still hasnt arrived.

 

Lloydes havent even submitted there court bundle yet. Infact they never sent me copies of my bank statements i requested back in January, i had to use their internet banking to find out what they had charged me. It seems i have played everything by the book using this web site and they have not complied with the court or the law regarding sending me my statements. Im seeing alot of people losing now and im panicking. I have sent SC& M and the Judge letters of non compliance and had no replies. Ive no idea what Lloyds are going to use in their defence. I am panicking big time surely Lloyds and SC&M cant behave like this and still win come Tuesday. PLEASE CAN SOMEBODY GIVE ME SOME ADVICE

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Just checked my internet banking and i have an refund. BC Refund (claim number). They have refunded my bank charges but havent sent me confirmation they were going to. Is it pretty safe to say now they wont turn up in court on tuesday and i should be expecting a letter tomoro or monday.

Just about to go withdraw this money and put it somewhere safe.

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Congratulations!!:D :D

You might not get a letter.

You should let the Courts know they have settled, there is a letter in the link below if you need it:

http://www.consumeractiongroup.co.uk/forum/show-post/post-487345.html

Barty:)

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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