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    • I would only rely on your solicitor in this regard. The other two should not have a view.   And, you are responsible for how the court perceive you. They only have your words and deeds to go on. Expecting them to magically see things your way is not a great tactic.
    • Yes, I don't think there is any downside to doing this. If they decline then you can say that in your witness statement
    • Ok! Do you still want me to work on that letter you discussed above in post #26?
    • Thank you for posting up the required details and well done for apparently not revealing the identity of the driver. I am assuming you are the keeper? The depth of ignorance of the parking companies is absolutely amazing. The Protection of Freedoms Act 2012 Schedule 4 is the law relating to private parking and allows those rogues to be able to transfer the charge from the driver [whose name they do not know] to the keeper after 28 days . This is dependent on them complying with the Act. So many of the don't and Alliance is no different. It would help if we could see what you appeal was and to post the back of the PCN as it is lacking so much of the wording necessary to make it compliant so that in your case only the driver is liable to pay the charge. And of course just entering the ANPR arrival times means that they have failed to specify the parking time which is a requirement..  Because the car park was so busy you had to drive around for quite a while before finally finding a place to park which is when the parking period may  actually begin. The poor dears at Alliance have not grasped that particular part of the legislation as yet. To be fair the Act has only been in place for 12 years so one must make allowances for their stupidity . We shouldn't really mock them- but it is fun. You weren't to know but the chances of winning an appeal against Alliance and the IPC is around 5%-and that is high for them. If they allow you to cancel they lose the chance of making money and they would have had a field day when you were there with so many people being caught overstaying because of the chaos in trying to find a parking space then trying to pay.  Your snotty letter could go something like this- Dear Cretins, Yes I mean you Alliance. After 12 years one would have thought that even you could produce a compliant PCN. Did you really think I would pay you a penny extra considering the time I wasted trying  to pay with  long queues at the parking machine, then trying to get a signal to call Just Park. On top of that you then had the cheek to ask for an additional £70 for what dubious unspecified pleasure? You must have made a killing that day charging all those motorists for overstaying because the queues to pay were do long and even walking to pay from the over flow parking fields takes time. And yes I did take photos of the non existent signs in the fields so please don't give me the usual rubbish about your signs being clearly visible. Oh yes that £70. Please tell me and the Court whether that charge included VAT and if it did, why am I being charged to pay your vat? I am sure the Judge would look carefully at that as well as the Inland Revenue. The truth is you had no reasonable cause to ask the DVLA for my data given the chaos at your car park and I believe that you therefore breached my GDPR...................... I expect others will give their views as well.          
    • opps this is going to get messy then if they don't refund. you should never keep util accounts in credit.
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    • If you are buying a used car – you need to read this survival guide.
      • 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
      • 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
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First time user claim from Halifax **WON**


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Hi I have just found this forum and this is my first entry.

I phoned and then wrote to the Halifax about 4 weeks ago and requested details of the last 6 years worth of bank charges - imagine my surprise when last week we arrived home hardly able to open the front door because there were 60 envelopes on the mat each with one months statement inside - what a waste of money - I have had no mention of any charge for receving these statements and nothing has shown up on the bank account so can only assume that the bank is not charging the £10.00 fee. We have gone through the statements and used the bank charge calculator on Martins money page to calculate interest - I yesterday sent a letter to the Halifax requesting a refund of the charges so I am now waiting for their response.

 

I was concerned however to hear on the news about the lost court case yesterday which is typical as I posted my letter yesterday morning.

 

The Halifax bank account is a joint account and just in case I have opened an account with NatWest, and in all honesty we will move once the case is resolved as I have been unhappy with the Halifax for some time now. We have one of their Cardcash accounts and the final straw was when I went in a month ago to pay in a cheque at the counter and also to reclaim a direct debit and was told the branches do not deal with Cardcash accounts, I had to pay my cheque in at the machine and use telephone banking to make the claim for the dd - I phoned the telephone banking from the branch and ended up putting one of the assistants on the phone to talk to them so that they could be told to assist me in the branch. so not only are they charging £39.00 for unpaid direct debits but they are not even offering an in house service and you have to pay to phone them up(0845) cheap rate but it still costs. Anyway thats the end of the whinge and good luck to anybody claiming - I will be reading through postings over the next few days to get a feel about the best way to move forward

 

thank you ChloeJane for your reply - in all honesty I only found this site after reading Martins Money page and when I calculated the interest on his sheet I saw the difference and my husband wanted us to push for all, knowing we probably would not get all, the link to the page is Bank charges: Reclaim them, they're unlawful, so you can get six years money back | MoneySavingExpert: Consumer Revenge, Credit Cards, Shopping, Bank Charges, Cheap Flights and more the letter is already in the post to the bank and I suppose when I get a reply from them I will need to see what we do from there - I will need to start reading and get to grips with things so that I don't mess up again. Do I retract the letter and resubmit or leave things as they are and wait to hear from the bank.

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Hi marysf,

 

On your preliminary letter you cannot claim the 8% interest anyway. If you eventually take the case to court, then this is when you apply the interest charges.

 

I would advise that you thoroughly read through the faq's and the many threads on this site as the better the knowledge the less chance of making a mistake. Also be prepared to take this to court!

 

Hope you win before that stage but you never know.

 

Good luck

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Hi

I have this morning received the refusal letter from the bank stating that I agreed to the terms and conditions on application of the account, they also state at the end of the letter that if they do not hear form me within 8 weeks then they will assume i am happy, time for the next stage. I will however do some reading first.

 

Any advise gratefully received

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Just ignore that letter. Your right it is standard.

 

So as soon as your 14 days are up from your prelim, send your lba, always make sure you send your spread sheets aswell.

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HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Hi

 

I have just reclaimed from the Halifax, to be honest i cannot fault them. It only took two of the templated letters from the moneyexpert.com site before they wrote making an offer that was only just below the full asking figure.

I think it's vitaly important in these types of issues to follow the pattern that works, yes it takes a lot of reading up on the subject,but at the end of the day a few hours reading can have very good results for your bank balance.

 

The recent court ruling makes no diffrence at all, Halifax like all the other banks are still settling claims before action, so the advice has got to be.... follow the system to the letter,be patient and don't forget that at the moment at least we are on the winning side.

 

Good luck !!

 

Jetbags.

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Consumer Action Group, the forum for all of us.:)

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  • 2 weeks later...

Hi all

I have submitted my claim to the courts electronically and it has been issued - it says that the bank have 14 days from the date they are served to respond - can you tell me if the web page will show the date they are served or do I count 5 days from the issue date and 14 days from then. this is really scary but it has to be done.

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All that information will come up on your claim, but it is normally around the 5 day mark.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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i have been reading but I am not very good with working my way round the forum - if the bank does respond, do they respond to the court direct or do they respond to me.

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The bank will respond to the court. But you will be informed of all communication.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Hi

I have just checked my online claim and it shows acknowledged as of yesterdays date. I have called the court and they say it means that they now have 28 days instead of the 14 - is this normal practise?

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Yes this is very normal.

They now have 28 days from when it was deemed served.

 

But still check your account, as it might just turn up. ;)

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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I have today received the notification in writing from the court - the acknoledgement of service is attached and they have ticked the box - I intend to defend all of this claim - is this normal as well or can I expect to have to go to court

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yes thats normal. ;)

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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  • 2 weeks later...

I have noticed that some people appear to be contacting the bank for status on their claims - is this worth doing or do I just sit it out and wait for next week?

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I have noticed that some people appear to be contacting the bank for status on their claims - is this worth doing or do I just sit it out and wait for next week?

 

Have a look here: (Last page)

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/81108-dusary-bank-scotland.html?highlight=dusary+v+hbos

 

and me mate's: (Last page)

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/94286-kennythecelt-1-halifax-bos.html?highlight=kennythecelt

 

That might assist!

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!

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Hi

Just received the post and a letter from the Halifax saying that the money will be in my bank account within five working days - charges + interest + court cost.

 

Holiday here I come:) :) :) :) :)

 

Thank you for all your help - I will let you know when the money is paid

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CONGRATULATIONS...!!!!

 

That is great news.

Let us know when the money appears.

 

They say 5 days but it can go in anytime from today..:D

 

So keep checking. (like you have to be told :D )

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Money is in our account . brilliant - Kefalonia on Saturday here we come - we were planning a holiday next week anyway, just means the budget is not quite so tight.

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