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    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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Is it possible to sue an endowment company?


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I've posted this question elsewhere (... http://www.consumeractiongroup.co.uk/forum/showthread.php?t=8543) but am posting as a new thread, well, because its a new subject really.

 

My question is whether there are grounds to sue a company who have mis-managed an endowment?

 

I'm not talking about the possible mis-selling of an endowment, but the professional negligence involved in the general running of the policy. As you will see in my other thread, if we are to cash in the policy (which I think we will do) we will actually get 3K less than we put in.

 

So I can either assume that their charges are exceptionally high, or that they are exceptionally incompetant.

 

I was thinking, from a professional point of view, if I was this incompetant then my professional indemnity would be in use quite a lot!!!

 

Anyone any ideas or experience of this matter.

 

 

Cheers.

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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Think you might struggle with this one but I'm sure someone will be along to prove me wrong!

 

If it's just a question of an investment losing money then I would think there's not a hope in hell. The value of investments may rise and fall etc etc. If you have any luck let me know..... my stockbroker must owe me a fortune!

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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I'm probably guessing not myself, but its a line worth thinking about.

 

Surely we pay professionals to do the job for us...

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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Worth a thought. But even the most professional of professionals can't say which way the stockmarket is going to go.

 

Investments can fall as well as rise etc etc.

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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  • 2 weeks later...

It is/was my wifes policy, bought 12 months before I met her. I can guarantee that she wouldn't know now whether it was unit linked, but whether she was told at the time is a different matter.

 

Unfortunatley, in this day and age, as long as people are seen to tick the right boxes, it doesn't seem to matter whether the other party understand/can afford/will benefit from a transaction. I'm not just talking about my situation here but just life in general. There seems to be very few ethical people out there that care about what is best for the client. This is magnified hugely by the banks, but its rampant everywhere.

 

Thanks to everyone who has helped me in this thread so-far.

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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I complained to one of these "assurance" firms once because the salesperson had actually misrepresented the benefits available under the policy and how much I would have to pay for activating them... I found that when I came to activate particular bits which I thought were included, they wanted to charge more for them. They wrote back and said regardless of what their salesman had told me, I had signed a document saying that I had read and understood the terms of the policy and the documentation provided. Having signed that I was screwed because the terms and documentation told me exactly what they said it did... the salesman had hoodwinked me into buying something I didn't need, and there's nothing whatever I could do about it.

 

You may well be in a similar situation here.

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I think so. Oh well, you've got to learn in life which battles to fight. I think on this one I'll end up selling the endowment and just draw a line under it.

 

Such is life.

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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  • 2 weeks later...

Go to google and type "mismanaged endowment"

 

Seems there are companies out there stating they can claim back thousands, i am looking into these at the moment...

If you find this post useful, please click the Scales of 'Justice' in the top right corner. Thanks ;)

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