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    • ah - here it is - .. Yesterday UK finance minister: Thames Water must sort out its own issues "I make no comment on Thames because they need to sort out their own issues," Hunt told reporters during a visit to Washington when asked what a government-led administration process for Thames Water could do for investors' confidence in Britain. "What we're never going to do for people who invest in the UK, is say that the state is going to insure you against bad decisions made by management or shareholders. That's what markets are about."   reuters.com WWW.REUTERS.COM       So was the chancellor not informed of this massive encompassing plan ..  or was he lying/misleading Today: Thames Water nationalisation plan could move bulk of £15bn debt to state   Thames Water nationalisation plan could move bulk of £15bn debt to state | Thames Water | The Guardian WWW.THEGUARDIAN.COM Exclusive: Under Whitehall blueprint for water company some lenders could lose up to 40% of their money  
    • Hi everyone, appreciate your help in this. Today (18/04/2024) I received a "Parking charge - Keeper liability notice for Royale Leisure Park - W3" stating that I "parked without clearly displaying a valid PCM UK Ltd permit. The car was parked on the 8th of March 2024 at the car park for Park Royal Leisure Park in London. The letter stated that a notice to keep was sent 28 days ago, but I have not received any charge letter or ticket.  I don't know what permit they are talking about. The leisure park does not have tickets, it has free parking for 5 hours- this is clearly stated on their website. Furthermore, I think the Parking Charge is invalid because, on March 8th, I was a customer at Royale Leisure Park, where I attended to watch a movie at the Odeon Cinema. I can prove my purchase of the ticket. The Royal Leisure Park has free parking for 5 hours as stated on their website (see attached screenshot), so they should not have given me the charge in the first place. Should I contact them to state that I should not have been given a charge? I'm concerned about the charge rising if I don't contact them.  Your advice is greatly appreciated.  Thank you.   parking rules park royal.pdf 2024-04-12 PCM NTK event 2024-03-08.pdf
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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
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Zomerzet vs Lloyds TSB!!! ** WON **


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Hi all,

After exhausting all other avenues I had court papers served on Lloyds on 11/05/2007 for £1,343.87. They have to reply by 24/05/2007. so far I have not heard from them so I'm hoping they will just pay as I do not relish the thought of going to court.

I must say I have gained a lot of encouragement by reading all your posts over the past few weeks though.

 

Many thanks to all.

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I have a questionfor everyone which is not really related to bank charges but would appreciate anyone's advice.

 

I use internet banking and over the last few weeks I have been printing my statements off on sunday nights. I have noticed that D/D's and S/O's that are due to go out on Monday's are being payed on the Sunday BUT.........they have the Monday's date on them!!!

Is this legal?????????

I have even had charges applied to my account because of this!!!

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I Don't See How It Can Be Correct But You Do Need To Check The Dates On Your Direct Debit Because They Could Take It Out At Midnight Sunday / Monday And Still Be Legal And You Would Still Be Overdrawn As You Can't Pay In Money To Cover At That Time , Hope This Helps , Lisam

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Don't know whether it is legal or not but I have noticed it too.

Also, were you aware that on personal accounts they only check for cleared funds at the start of the business day.

I have in the past paid cash in to return my account to credit but still had D/Ds returned!

broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

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This is common practice with Lloyds TSB. You can sometimes see the same thing in the late evening, where transactions are shown for the following day. Also, if you withdraw money at the cashpoint over the weekend / overnight it shows up immediately online but against the next working day.

 

As you are outside banking hours, I do not see any issue with this. It is not possible to deposit funds into the account in time to allow any payment to proceed. (The only possible exception is transfers between 2 personal accounts held with Lloyds, which are advertised as instantaneous, but I'm sure Lloyds will state somewhere in their T&Cs that funds must be available at the end of the previous working day prior to the Direct Debit/Standing Order.)

 

Of course, non of this stops you challenging the charges as unlawful!

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Thanks Pagan

It's the date thing I take most issue with, I don't see how this can be legal?

Also, regardless of what Lloyds say I have requested they make these payments on Mondays not Sundays!

I think I will try complaining to the FOS?

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With so many CCJ's against them, how are Lloyds still able to function as a financial institution?

 

If any of us had this many CCJ's we would be stuffed!!!

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  • 2 weeks later...

Update

 

Have not heard from Lloyds or anyone else for that matter, their deadline to acknowledge was last Friday so i have been into the court today and asked for judgement by default and for Lloyds to pay immediately!

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Update

 

Received acknowledgement of service today, SC&M filed on May 18th.

 

They now have until June 8th to file their defence.

 

Is there any letters I should write or should I now just wait?

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I'm afraid you have to play the waiting game now.

In the meantime you can be doing your homework on information required for your court bundle. But dont print ANYTHING off yet as it may not get that far.

Good luck ... keep us posted

XxXxX

If I have been helpful, PLEASE click the scales

 

 

You may receive differing advice as people have had different experiences. Please use your own judgement in deciding whose advice to take. If in doubt seek advice from a qualified insured professional. Any advice I offer is done so informally, without prejudice & without liability.

 

 

I WON !!!!

 

 

HERE WE GO AGAIN .... BRING IT ON

 

:D

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More Lloyds abuse of dates just to get charges!

 

I checked my account online at 23.58 hrs on May 24th and there were no payments going out of my account.

 

When I checked again at 00.05 hrs on May 25th they had put a payment out dated 24th and my money coming in on the 25th!!!!!

 

They were going to charge me too! After about an hour on the phone and speaking to 2 advisors and 2 managers I managed to get them to stop the charge but only when I said I had printed off statements to prove what they had done!

 

I have now opened a parachute account and transfered all my income and outgoings.:D

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Whilst strolling around this site I came upon the social security administration act 1992.

 

As I have been on benefits (disability) since I opened my Lloyds account all the charges have been taken from my benefit payments leaving me at times peniless!

 

Does this make any difference to my claim???

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Whilst strolling around this site I came upon the social security administration act 1992.

 

As I have been on benefits (disability) since I opened my Lloyds account all the charges have been taken from my benefit payments leaving me at times peniless!

 

Does this make any difference to my claim???

 

Anyone???

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someone on another thread was talking about this but think it was in debt and debt collectors section try there and type in benefits in search see what comes up but i did read something , along lines of they can't take it from benefit money but could be completely wrong so have a check on there , lisam

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