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    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
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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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Lloyds victory in Birmingham - in perspective


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Surely the banks must provide a copy of the original contract after a S.A.R - (Subject Access Request). Mine did.

 

I have to say, even if I knew I would lose, I would go to Court simply to expose the banks behaviour and their practices which are gross.

 

If Kevin decides to appeal, I for one am prepared to chip in towards his costs. I've no doubt that given proper analysis, this judgement will be overturned.

 

For a Judge to give judgement on a case without even having sight of the original contract is beyond belief. Banks have far superior filing and document management systems than their customers, and if they cannot or fail to produce a copy of the original, the defence has no basis.

 

Come on Kevin, chin up, get some help and win your appeal.

 

Now that would be news, and would take the smirk off their faces.

 

Let's all learn by this as BF says, and be fully prepared instead of rushing in.

 

Tide

Hi. First post on this great site.I have a few questions which i hope someone can answer.

(1) Relating to the above posting has anyone else requested a copy of their original contract and if so did they receice one? Is the request made through your local Branch or Head office?

(2) Is the terms and conditions the same for whatever type of current account you hold? EG: I have had a current account with Lloyds for at least ten years. I used to have a gold service current account but upgraded to a Platinum account. Are the Terms and conditions the same for each of these?

(3) I have just received a "Notice that acknowledgment of service has been filed" Is shows that Lloyds intend to defend all of this claim. I believe Lloyds have 28 days from the date of service of claim form to file a defence. This will fall on Sunday 27th May. (notice of issue was served on the 29th April) Do i need to do anything with this "Notice that acknowledgment of service has been filed"?

Also as the 27th May is a Sunday and the Monday is a bank holiday do i have to wait until the 29th May before a go for judgement if Lloyds have not filed a defense? A snotty clerk at the County court told me i had to wait until the 29th which i don't think is right. Nowhere in the letters does it state that weekends and bank holidays need to be taken into consideration.

Sorry about all the questions.

P.S I am claiming £2174. This includes the £120 it cost to log a claim and £423 interest as worked out on the interest calculator on another website. I did offer to accept a without prejudice figure of £1800 before i listed it for court. Lloyds have never offered me a figure to settle.

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Please bear in mind that banks also read these sites so if we all start to waiver & panic, or give that impression, they will try harder and be even more obstructive if that's possible. A lot more needs to come out about this case and hopefully an appeal. The lesson seems to be that in the absence of the bank mr berwick should have asked for an adjournment or even asked for the defence to be dismissed as the bank were contemptuous

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i've won 7 cases, 2 in court against lloyds TSB and currently have a court date in august. My whole family used to bank with lloyds and they have all come to me being a civil litigator.

 

they state 'do not comply with rule 16.4 1(a) of the CPR and other things'....not very specific in my view and a generalised attempt.

 

lloyds use standardised text in their defence statement which is hilarious and they'll get the fright of their life when they receive my flawless bundle! what they wrote did not relate to me which i will enjoy bringing to the judges attention if it goes that far! i wouldn't be put off by the case won in birmingham as the principles of law cannot be necessarily applied to all cases.

 

anyone who needs free legal representation in croydon county court, please send me a personal message and i will see whether i can attend - for the good of consumer power!!!!

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I of course agree BF.

 

This judge has just gone against the express wishes of Parliament by completley disregarding Unfair Contract Legislation.

 

Just why this DJ decided to put himself on enquiry we may never know. We all know that the banks are trying to hide their penalty charges behind the generic term 'service'

 

I understand that it is possible to obtain copies of the banks Websites before they changed the wording. I wonder could these be made available to claimants to produce as evidence in future litigation.

 

Also whilst they may be rejoicing at Lloyds I don't think they or any other lender should rely on this bad judgement to repudiate claims.

 

Fiinally I think this judgement may be a blessing in disguise in that claimants will now prepare better. Also if the banks ignore or flout the process by not submitting bundles etc claimants will now demand the courts punish them by granting orders in favour of the claimant rather than allow the amount of latitude extended to the banks at present.

 

I hope that this salutory lesson will have the effect of making us all even more determined to bring the banks to book

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Having just read the judgment, I have the following observation:

 

1. The judge holds that the customer is not in breach of contract where he or she enters into an unauthorised overdraft situation.

 

This is very important, as being in breach of contract is the foundation for attacking any consequent charges as penalties. If the charge is not in response to a breach of contract, the law on penalty charges cannot be invoked to challenge the charges; that law only applies in a breach of contract situation.

 

Breach of contract is also a necessary precursor to invoking UTCCR para 1(e) of schedule 2 to the Unfair Terms in Consumer Contract Regulations.

 

Any appeal against this judgment would require to counter this legal ruling by demonstrating that the customer is indeed in breach of contract when they go beyond authorised limits. This requires an examination of the terms and conditions (Ts&Cs) of the contract to see if it says anywhere that the customer is obliged to keep his account within his authorised overdraft level (i.e. placing them under an obligation to maintain their account within agreed levels.).

 

I should add that the comments which seek to portray this judgment as irrelevant due to its being from a court of little standing are misinterpreting its import. It is a judicial decision that the customer is not in breach of contract and any case which goes the distance again will only be won if the pursuer/plaintiff can show that the customer is in breach. This judge has found this not to be the case on the Ts&Cs he has seen, it is therefore important to look more closely at the Ts&Cs of your own account to determine if your contract imposes an obligation to maintain the account within certain levels. Only then will you be able to say that you are in breach and thereby bring the law on penalty charges and UTCCR into play.

 

This should be the focus for the present. Eyes down...

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Hello all, firstly I will also contribute to an appeal for the Birmingham case. I am in court on 22nd May, and although this means I actually have to prepare (which I am a bit nervous about) we need to get this into perspective. The rulings and reimbursements so far prove that.

 

That sed - can anyone help me....

1- i used a standard letter from this site saying the fees they had charges were unreasonable and not a true reflection of their costs etc

2- unlike some, my banks are still calling these charges

3-they sent a letter today saying a full investigation has been carried out and the 'charges have been correctly applied to the account'

 

I am thinking that my case will therefore focus on the fee's being unreasable and not a true refelction of costs....what do u think?

 

Also

1- what is a bundle, do i have to submit it in a particular format?

 

All help is appreaciated!!!

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I have just joined this forum and i have read the article by Bankfodder but what he hasn't mentioned is this. What if this judge is now sitting with other bank charge claims that he is about to hear. I seen a posting somewhere around here that said he was the main judge in Birmingham who handles Bank claims. This may or may not be correct but if he does have other claims in is control won't that be bad news for all of us? and are there others on the forum who have a date with judge Dread?? Is he likely to be able hand down another damming judgement this time to another Bank??? Any suggestions ???

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JUDGE DREAD ! :mad::confused: GIMPER OR :cool: GENIUS ?

What if the judge is actually on our side ?

Surly Kev is in a far superior position to force his bank into the witness box then Mr. Brennon .

If he appeals it will have to go to full disclosure, wont it ?

And the bank will find it differcult to squirm out of it by chucking cash at kev especially as they are being appealed against rather than litigated against and are now very much in the public eye:rolleyes:

......just a thought !

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I am, like many, very nervous now, however I am not put off. I was willing to go to the court from the very beginning. I have had my account since 1993/94 and no longer have my current account T&C's. If anyone has a copy they would be willing to share they would be very very gratefully received and helpful towards fellow LTSB claimants.

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JUDGE DREAD ! :mad::confused: GIMPER OR :cool: GENIUS ?

 

What if the judge is actually on our side ?

 

Surly Kev is in a far superior position to force his bank into the witness box then Mr. Brennon .

 

If he appeals it will have to go to full disclosure, wont it ?

 

And the bank will find it differcult to squirm out of it by chucking cash at kev especially as they are being appealed against rather than litigated against and are now very much in the public eye:rolleyes:

 

......just a thought !

 

Speaking of Mr Brennan , In the final part of District Judge Cooke's Approved Judgment, he states:

 

"Mr Berwick submitted a letter prepared on his behalf by Mr Tom Brennan, a non practising barrister"

 

I may be barking up the wrong tree, but isn’t he the lad that’s forcing NatWest to court even after they have offered him a full settlement.

 

I’m not one for conspiracy theories but what relation is Tom Brennan to Kev’s claim or is Tom offering some sort of template letter to be included in the court bundle?

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I think you are barking up the wrong tree. Tom Brennan appears to have received a great deal of publicity towards his cause and is a learned fellow of law and therefore, he has kindly offered support to Mr Berwick's cause, nothing conspiring about that is there?

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I'm reading the terms for an RBS account: You will also be responsible for paying any costs incurred by us in connection with the overdraft wether as a result of you breaking the terms of the arrangement or not. Another term states:The overdraft limit should not be exceeded.

 

This term relates to an indemnity clause which if the charge is more than the banks actual losses then it is invalid as per UCTA.

 

It is inconceivable that these charges are a for a service.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Soniam,

 

Do a full SAR then telephone them to make sure any missing information is forwarded, including copies of your contract, and any other documents you think exist.

 

If anybody has to be scared, it is those who have damaged others, been found out, and must now face the consequences.

Time to stand up to these bullies.

 

Tide

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I think you are barking up the wrong tree. Tom Brennan appears to have received a great deal of publicity towards his cause and is a learned fellow of law and therefore, he has kindly offered support to Mr Berwick's cause, nothing conspiring about that is there?

 

Am I right in understanding Tom Brennan was only after 6 years?

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Hi Jobese

I'm really terified of this whole process and think i'm going to mess up as I don't understand all this court business.

I have a claim against Barclays Bank and followed the instructions to make a claim on line. Barclays put in an acknowledgement on the 14th day. I then today another 14 days later put in a defence. Does this now mean i will have to go to court? Croydon is my local court, what should i do now?

with this win by Lloyds I now think that I will loose as Barclays will probably now turn up in court as they seem to be keeping trackof my claim. I would get a solicitor if I could afford one My claim in for £4000 including interest and i was hoping to use this to get rid of my overdraft and other debts.

 

Any help or advise would be much appreciated.

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have to agree an appeal would be good, whether that was the intention? I'm not so sure, but who knows. The judge seems to have left it wide open for an appeal though doesn't he?

 

I wonder if the banks will start to prepare bundles suddenly.

 

BTW can I ask for the terms and conditions without paying out another 10 pounds for SAR (I've got my statements from Abbey already via SAR,but no T & C's).

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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Morning All

Well reading some of the comments about Judge Cooke there appears to be a little bit of panic setting in, dont worry folks just keep pressing on we will win in the end !!! On the Judge, is he on something or a major shareholder in the banking industry, who said the british justice is fair ?

here we have an opinionated, probably well off, man who could not judge flower show, where's his impartiallality, for him to disreard the letter of law and apply his versions is totally unacceptable and must be appealed against. So come on Mr Berwick accept any offer of help and drag this case into the High Court !

 

I've my little rant, ooh I was soo mad yesterday, but today very positive, bring it on Lloyds see you in court.

 

My bundles went to Poole County Court, and [problem], last thursday, and the hearing is set for 29 June 07. Cant wait ! Please everybody prepare well and listen to the advice on here, that way you WILL NOT lose.;)

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Hi all,

having read some of the threads above with regard to T & Cs .I would like to ask whether Abbey having indicated in their defence that I m in breach of contract and the fees reflect adminstrative costs, puts them in a position where they cannot turn around and claim the charges reflect the cost of service?

 

Pandapa

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Thanks Tide. I have got as far as starting the court process now so wouldnt sending an SAR be too late? I suppose I have a right to the information, just worried they may drag their feet now I am about to start court action against them. I am due to submit the court papers today.

Soniam

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Hi All,

 

In light of this is it not wise that we all just stick together? I think strating to panic is just what we dont need. One case, esp in a county court, is not to be concerned about, though I do agree if it is the same Judge on all the other cases in birmingham then we could be in for a roller coaster ride! But again, if Kevins case goes to appeal, then we are sure to win, and actually this is the reason why most banks do not defend!

 

What I do sugest is that we start off postin T&Cs from all the various banks, from before this procedure came into public light (i.e before the banks changed them). This will ensure that then the Banks will no longer have a leg to stand on. We prove this is breach and therefore we can apply the law on penalty charges!

 

Come on everyone, goto to court, even if it means losing. At least this way the banks will have to answer in high court at some point.

Barclays T&C Databse

RapidShare: 1-Click Webhosting

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Hello all,

 

I'm new to this site, having logged on after the recent Lloyds TSB fiasco! With advice from Martin Lewis's site, I'm in the process of taking them to court for £480.72 in charges and interest which doesn't seem alot compared to some, yet they have still issued a defence against the whole claim. Its currently in the 28 day period where they submit this defence -I'm waiting for the Court Allocation Questionnaire and up until 2 days ago was very confident about the whole thing...

 

The bank sent me letter following my last request for the money, talking about regrettably having to charge for the so-called "extra services" they provide - this is such a joke! How can that judge accept this whitewash and rule in their favour?? :confused: Its clearly the banking industrys attempt to justify the extortionate charges they've happily inflicted on people for years!

 

I'd really appreciate any advice on how to deal with this now - if anyone has any success against Lloyds TSB following this judgement please let me know. I's also love to get a copy of their T & C contract as I don't have mine (I opened with them eons ago). I'll keep you updated on any progress here too....

 

Nicky

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