Jump to content


  • Tweets

  • Posts

    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • 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.  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 161 replies
    • 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

Help! Ltsb Defending Claim! (scotland)


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6195 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

:o Hi Guys, I hope someone can help me.

My hubby is claiming back £2000 from LTSB. His "return" date for the court was yesterday, with a hearing scheduled for the 17th May. He called their soliciters on Wed to ask what they planned to do, they said "oh your claim has been overlooked, this should have been sorted by now, we'll fax Lloyds and get them to sort it asap". :rolleyes:

However, he called the soliciters again this morning and they have said that Lloyds are "appealing"(?) it and it is going to court (I dont know if this means they are defending it).:eek: :eek:

I have read through various threads looking to see what our next plan of attack is, but I am getting myself confused:confused: . Would someone mind giving me a step-by-step guide to what we have to do next please? (Note, due to this being through the Scottish Courts, there are actually 3 claims ongoing - 2 x £750 + 1 x £500 approx). Thanks for your time guys...appreciated

Link to post
Share on other sites

I'm no expert either arae1 but some of the banks are using an "abusing the system" approach for claims which are broken down into 2 or 3 different amounts.... where about are you claiming ??

Link to post
Share on other sites

Claiming in Hamilton Sherriff Court District. I have just started reading about the problems claimimg this way can cause. We started doing this way back in Feb. My dad was guiding us and he had claimed 3 or 4 times this way successfully. I didnt even know what a Summary thing was till 5 mins ago :rolleyes: . Whats my next step?? Any ideas? My hubby is a bit :eek: :eek: :eek: :eek: :-x right now, I'm trying to calm him down!

Link to post
Share on other sites

I think if you've already got them all underway then its just gonna be a case of keeping your fingers crossed and hoping they pay out... I know Edinburgh and Kilmarnock won't allow numerous claims on the same account as they see this as abusing the system but I'm not sure about Hamilton... sorry I cant be off any more help...... have the bank appealed against all 3 claims ???

Link to post
Share on other sites

I Dont know what they are defending or appealing against. I cant get a hold of hubby at work (I suspect he may be in the toilets crying-he had this money spent already!!!) The 3 claims where entered within 2/3 weeks of each other. We have never had any offer at all from LLoyds regarding any of the claims. Do you think it would be better to withdraw the claims and go via the FOS? Or do we have to wait for an offer 1st?

I have been reading thru threads all morn and am getting a bit confused! :confused:

Link to post
Share on other sites

Not sure how the FOS would view that and being that the bank have already appealed they may take it as a win if you withdraw.... I'm really not sure...... maybe you should try calling the court and asking their advice.... :)

Link to post
Share on other sites

Thanks for the info Jaybabes, it's really appreciated...if anyone else has any other suggestions, I'm all ears!

Starting to panic a bit...I feel a bit out my depth now :sad:

Link to post
Share on other sites

Don't panic!

 

There are some great folks here who'll help you out.

 

Sit tight!

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

Link to post
Share on other sites

Thanks...gonna speak to hubby tonite and get more info from him about what the lawyers are saying. I realise I havent given a great deal of definitive info so far so hopefully i'll come back to you guys tomorrow for some of your "enlightenment" ;) . Again, if anyone has any suggestions from what i've written so far, I'd really appreciate it.:)

Link to post
Share on other sites

Do you think it would be better to withdraw the claims and go via the FOS? Or do we have to wait for an offer 1st?

 

I don't think you can go FOS if you have already at court. But I aint 100% sure on that, just what I've read on other forums.

Have you tried calling the FOS to see what they recommend? Apparently they are very helpful.

 

Regardless which way you go, keep posting up on this board. There will always be someone here to lend a hand.

 

All the best

DT

Link to post
Share on other sites

Hi,

well hubby spoke to the Sherriff Court this morning for more info. They have said that LLoyds are defending the claim. We have to go to a preliminary hearing this Thursday and take "evidence" along with us :eek: .

 

Has anyone been to this hearing before and if so, what is it for/what happens?

Secondly, what kind of evidence are they looking for?

Is it normal for LLoyds to go this far? If not, I think the only thing they can defend on is the "multiple claims" issue. If thats the case, and they (its 2 claims) get thrown out, can we then just resubmit them as a Summary Cause?? Any help is appreciated!

Link to post
Share on other sites

Hi, just picked up on this thread.

From what i can see your hubby has done this all wrong, who ever advised him has also got it all wrong.

If i make this out right, your hubby has made 3 different claims against LTSB on the one account, at the one time? have i got that right?

If this is the case someone has not read the step-by-step instructions, or the rules of engagement or any of the advice found in the FAQ's.

 

If someone decides to make multiple claims (like i did), it is important to wait till the first is settled in full before issuing the next court claim. The reason being, the bank can ask the court to take the 3 claims into consideration, basically roll them into one and bang you have a Ordinary Cause Action on your hands. The reasons the bank can do this is to save the costs of defending the multiple claims individually, and the can also persaude the court they will also being saving the costs of hearing the claims.

 

If the bank were to take the action above your hubby would be left in a position were he would require a lawyer, as only a lawyer can bring a O.C action before the court. This wouldn't seem so bad if you could find a friendly lawyer, but, the consequences of losing an O.C action are great, and should you lose, you would be liable to pay costs and expenses which could be hefty.

 

From my experience with LTSB, on both occasions they paid the full amount of my claim into my bank account 2 days before the date of the prelim hearing. I would suggest your hubby checks his bank account regularly for any deposits.

 

If the money does not appear or you dont receive a letter of offer from the bank before the hearing, if it was me, i would turn up at court never the less, but i would be fully prepared to ditch the case should things show signs of turning belly up.

Remember this IS just prelim hearing, and nothing will be decided for or against you.

The 'evidence' you should take is basically a breakdown of the info from your statement of claim. if you have used Scotias template, make notes from it i.e you believe the charges are a penalty and as such they are unenforceable blah blah.

 

I hope this has a positive ending, and i will be following with interest

 

Good luck

 

S

  • Haha 1
Link to post
Share on other sites

S, thanks for this. Unfortunately, we didnt know about this website when we started the claims, and therefore didnt note the step-by-step instructions. We basically followed the procedure my father was using, although. now we know it was for smaller amounts :roll: .

 

We have 2 claims, placed within weeks of each other. I have been thinking of ways out of this mess. BEFORE interest, the sums are just less than £1500. The only way forward I can think of (and I'm not sure if this is even possible/correct) is to contact the court to withdraw the claims. Then refile as a summary clause.

 

However, I dont know at when to withdraw them (before/during/after hearing), I dont want LTSB to consider the withdrawl a "win" for them.

 

Thanks for coming back to me..

Link to post
Share on other sites

OK, If the £1500 is before interest, from what i can see then the worst the judge could do would be to lump them into a summary cause.

 

If it was me, i would just sit tight and play it by ear, i am confident you will have a positive outcome, (eventually ;-)

 

Just keep an eye on the bank balance in the meantime

 

S

Link to post
Share on other sites

Thanks again. So we go to the prelim hearing, wait n see what the judge says...worst case scenario he makes us go for summary cause (which we will follow step-by-step :roll: ).

Link to post
Share on other sites

Thanks, your support is most welcome! can you tell me about AQ tho? The court hasn't mentioned this yet...am I too ahead of myself? I read the FAQ's and it said the AQ is sent by the court after the bank has entered a defence. Should I call n ask for one to be sent or just leave it? :confused:

Link to post
Share on other sites

Hi Folks - I (my hubby) have my preliminary hearing at the Sheriff Court tomorrow v Lloyds. Has anyone attended one of these before? If so, I have a few questions, if someone can help me out please?:???:

 

1)Can you tell me what to expect and what happens?

2)What is this hearing for...is it to decide if we can continue with the claim?

3)Can anyone also advise EXACTLY what info I need to take along with me the court at this stage please?

 

We are getting really nervous now, just want to make sure I have everything I need and all the facts straight in my head.

 

Thanks again :rolleyes:

Link to post
Share on other sites

To answer your Q.s read this ~~~> http://www.scotcourts.gov.uk/sheriff/small_claims/forms/going_to_court.pdf

 

This is straight from court website and should tell you all you need to know.

 

I understand your hubby has mish mashed his way through this so far, but if you are going to issue a court claim, you should always expect to have to appear, even if it is VERY rare. I have only heard of a handful of cases, and generally, it is only because the banks are so busy they have allowed certain cases to slip through the net and not be dealt with properly.

 

As i have said before, keep checking the bank balance, stranger things have happened. And it might be worth phoning the bank or there solicitors and reminding them that they have a court date for tomorrow, in case they have genuinely missed this one.

 

Remember, it is a prelim hearing for a small claim, you are not liable for anything and worst case scenario is you lose your court fee, i wouldnt consider throwing the towel in just yet ;-)

 

Incidently, which court is it again??

 

I shall see if i can get a mod to give you some encouragement

Link to post
Share on other sites

Hamilton Sheriff Court...cheers again. I know it looks as if we didnt take this seriously to begin with, thats not the case. We were simply misinformed. I'm more than aware that court action is a serious issue - we wouldnt have gone this far if we weren't willing to see it thru. Just lost our way a bit. :o Any encouragement/ advice etc is really appreciated.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...