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    • Thank you all   JK, I agree; if they were to accept my full claim today, then the interest would be around 8-9 pounds. If I were them, I would have offered to pay the interest and said no to the 12 pounds for the letters. These have not been mentioned, which is my mistake.   As you pointed out, if the judge were to award at 4% and I did not get the letters, I would get less.   Bank, thank you. I do hear what you are saying. If I am to continue with this, then I will need to pay an additional trial fee of £59. If I win everything, then great, but if I win less the claim and court fee, then I lose out. I am not sure what the judge will think about the interest. I think we have to remember that I won the item and, therefore, did not pay a penny for it. Yes, I have had to purchase an additional one, but maybe the judge will hold this against me. I am content that this is a win. I have not signed any non-disclosure clauses, and they do not ask for this either in their offer. 
    • Are you saying that both businesses were closed? Yet you stayed there for over two hours. . If both were closed than to charge £100 is a penalty since Horizon had no legitimate interest in keeping spaces clear for the company. sake as there were no customers..
    • Well you would think that would be the case. Sadly i doubt there is one honest broker within the BPA or IPC and most of their members. they are there to take as much money as they can from motorists regardless of PoFA.   Take the Consideration  period for example. This is a minimum of 5 minutes to allow motorists to find a parking space, read the T&Cs giving them enough time to leave the car park without having to pay if they decide not stay. Simple. Well it would be simple if it were any other company than BPA [or IPC who have now fallen into line with BPA's "reasoning"].  You see if you decide to stay then despite the fact that during the Consideration period when you still weren't classed as parking , once you accept the terms [with all the underhand little tricks designed to trip you up] that five minutes is now included in your parking time. [No not the parking period because the poor dears who ANPR cameras are apparently unable to work out what the exact parking period is since their ever so infallible cameras [yeah right] are incapable of tracking cars once they are in a car park]. After 12 years they still haven't worked out a way of doing it. Some of them fudge and the majority [with a wink fro their ATA [Accredited Trade Association though it should be Discredited Trade Association] just ignore the parking period all together. This is what BPA claim is the Consideration period Entrance grace period: This is for when motorists enter a car park, read the signs and/or attempt to make payment then leave. In these instances, motorists must be offered a reasonable amount of time before an operator takes enforcement action, but we do not define this time, due to the variance in size and layout of car parks. An entrance grace period for a small, permit-only car park could be below 5 minutes, whereas for a large multi-story this could be 15. But  heaven forbid that anyone should leave 6 or 7 minutes after entering  their member's car parks. . They are dutybound to receive a PCN. This is regardless of how busy the car park would be [Christmas eve for example ] .Our minimum is their maximum. Moving on to Grace periods. Again BPA gobble degook. Exit grace period: This must be a minimum of 10 minutes and this is when a motorist intends to stay – for example, if you paid for an hour but spent a total of 1 hour 10 minutes on-site, you will not receive a PCN. It is important to note that the grace period is not a free period of parking however and should not be advertised as such. If that ten minutes in not free parking what is it. their members all think they can send out PCNs for anything after 1 minute after the exact time never mind ten minutes. Our snotty letters have stood the test of time. Do not try to reinvent the wheel -especially with DCBL . They don't even know what a non compliant PCN is for goodness sake! You already know more about PoFA then they do. However if you include that they will find a way to disabuse the Judge of your logic and the law. So don't give them the chance.  I am sure you have the Parking Prankster going on about the rogues misusing the rules on planning permission by lying and stating that they had "retrospective permission". There is no such thing in English law yet Judges were swallowing it until one Judge pulled up Parking Eye about one of their Witness Statements alluding to "rp" by claiming it was "tantamount to perjury".  It wasn't tantamount,it was plain and simple perjury. Parking Prankster: The great private car park planning approval scam PARKING-PRANKSTER.BLOGSPOT.COM Guest blog from shuteyepark, from the Consumer Action group forums In December 2013 my daughter received a Parking Charge Notice (PCN) fro... Hope it wasn't too long winded Nicky Boy.🙂
    • and more immediate issues WT* is the UK doing. Ukraine needs these funds and weapons NOW Lets sincerely hope this isnt another Tory VIPal skimming issue.   MoD accused of ‘go-slow’ with half of £900m Ukraine fund unused | Defence policy | The Guardian WWW.THEGUARDIAN.COM Delays mean just £404m of the money donated by nine countries has been committed or spent  
    • If everyone who wanted or needed a permit could get one easily how would PCM make any money?    
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    • If you are buying a used car – you need to read this survival guide.
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    • 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.

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      Many thanks 
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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
        • Like

Non Compliance Of S.a.r.


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HELP!

I sent my SAR to Egg on 26th March 2997, they sent me back a letter stating they require ID. This has been sent and acknowledged.

They have still not sent me my statements so am sending a non-compliance letter today.

 

I read on other threads that some people are 'estimating' charges and sending a prelim with an estimate. Should I do this, or go through court proceedings (which I really don't want to do at this stage).

 

Anyone any ideas what I can do now?

 

Thanks :mad:

RBS

13/10 - Prelim sent, 19/10 - Sod Off letter recvd, 27/10 - partial offer received, 27/10 - rejection letter sent, 3/11 - SETTLED IN FULL

Cheltenham & Gloucester (ERC's)

21/11 - Prelim sent, 26/11 - sod off letter recved, 2/12 - LBA sent, 10/12 SETTLED IN FULL!!

 

 

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How long did they take to request the ID?

 

They took 3 weeks to do that with me, I told them the 40 days stood regardless from the day after receipt of my request (as any reasonable judge would consider 3 weeks an unnaceptable time frame in which to ask for ID!)

 

I'd really try go get the catual data rather than an estimate, only use this once they have taken over say, 60 days (at which point you could issue a non compliance in court for the SAR as you have given them every opportunity)

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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No way estimate your charges.

You will not have a leg to stand on in court. Egg will know this and will dare you to go to court.

 

Statements WILL come. But see in V-E Day Thread the wide variation of time required for resolution, depending on different techniques.

 

 

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  • 3 weeks later...

Egg delayed my S.A.R - (Subject Access Request) for ages. After the first 40 days I sent them a warning then they sent me a letter requesting some form of I.D. I sent this then had it returned three weeks later with a letter saying they would now send my information within 40 days. They didn't and I sent them the following:

 

Data Request Team

Point North

Brierley Hill

DY5 1LU

 

Your Ref: XXXXXXXX/XXXX/Box XX

Dear Ms Wiseman,

 

I have written to your organisation on three occasions commencing on 1st February to request a fully comprehensive list of all the default charges I have paid over the last six years.

 

Three months later I am still waiting for this information. Quite frankly I am shocked and disgusted at your blatant disregard for the law concerning the Data Protection Act and I demand that you send the information immediately. Should I not receive this information within seven days from the date of this letter I shall not hesitate to present my case to the Information Commissioner.

 

Yours sincerely,

XXXXXXXXX

 

 

I recieved a very comprehensive bundle of information on saturday - a disgraceful 117 days from the original request. Still, it's here now and I quickly totted up over £300 in charges which I shall request back this week.

 

I think patience is the key, though I will not be so patient for the next stages of the claim.

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  • 1 month later...

Hi

 

I am having similar probs to what you went through with Egg. I first requested my data in April. I have sent my cheque which they returned once. I sent it back but they have not cashed it yet. However, I cannot get a response from them about what ID I need to send. I would be really grateful if you could let me know what sort of ID they requested from you.

 

Many thanks

B.

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Hi,

 

in my case they adsked for a credit card bill

 

Bear in mind though, that if yo are asking for the data to be sent to the adress your Egg bills go to, they are being unreasonable

 

Accordingly, send them the I.D but then complain to the ICO for the length of time taken (as the 40 days begins when they receive your formal request, not when you send the ID back

 

Also, if it goes on to long, consider court action

  • Haha 1

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Bellacat, I believe Egg wants a photocopy of passport or drivers licence, plus one (or two?) utility bill originals showing your name at your address (returned). Uniquely among credit cards, Egg does not post monthly statements. With all communications via secure email, an Egg customer could have moved address 5 years ago and Egg would be none the wiser, so the ID check arguably protects the cardholder as much as Egg.

 

The full option involves a stack of paper an inch thick including numerous screen prints taken individually by hand. The statements contain the flucutating monthly interest rate, so this option would be preferable if you intend to reclaim compound interest accrued on unlawful charges. The £5 option returns just a list of charges levied, and most likely come back much faster. Once you have the statements the rest will be easy, with winners in recent months not even bothering with legal forms, full repayment within a week or two, provided you follow the proven steps, see V-E Day index of winners.

  • Haha 1

 

 

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Or you could try sending them an email through their secure messaging service....i just copied and paste my SAR request and told them to take £10...they hardly need id confirmation this way...try, may work for you as well!

 

Andy

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Thank you to everyone who responded to my email.

 

I tried sending them another secure message - first of all I had a really unhelpful email that did not answer my question. Then I received an egg research survey that asked me how well my query was answered..I obviously ticked all the 'poor' boxes. I then received another email from a different person, apologising for their colleagues response and told me the date that my data request had begun and that I did not need to provide any further ID.

 

Fingers crossed this time!!

 

thanks again

B.

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FWIW if the statements dont turn up after 40 days send them an lba and give them a further seven days then file at court.

 

If they dont ask for Id promptly then they cannot rely on the lack of ID as a reason for holdingup your id. If you are a current cleint then i suggest that when you send the SAR you support it with a request via their secure system as validation.

 

JMHO

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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