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    • So @theoldrouge where was farage during the D-day honors/remembrance ? He was quick to trash Sunak - but at least sunak showed his face heh?   Sunak perhaps needs to slip some dosh to led by donkeys to fund some banners in Clacton heh? Suggestions: D-day - Sunak maybe ran, but Farage never even showed Farage I'm the only one who can change my mind - dont you plebs think you can Clacton, who wants to spend time in Clacton? 48/52 is unfinished business - ooops eerrrr no it is  ...  err well unless is what I lose by Reject me 1 times shame on you, Reject me 7 times shame on me    
    • Yep let us have a good laugh eh from today’s Telegraph 🤣😂🤣 the rest must try harder    Farage won Friday’s election debate, a poll finds Nigel Farage won Friday night’s seven-way BBC election debate, according to a poll.  A snap poll of 1,031 voters by More in Common found most thought Mr Farage won the debate, followed by Angela Rayner. Mr Farage received 25 per cent of the vote while Ms Rayner received 19 per cent. The Green Party’s Carla Denyer was the third most popular with 11 per cent, Stephen Flynn for SNP received 10 per cent and Penny Mordaunt, the leader of the House of Commons, took 7 per cent of the vote. Daisy Cooper, the deputy leader of the Liberal Democrats and Plaid Cymru’s Rhun ap Iorwerth took 5 per cent and 2  per cent respectively. The debate saw Britain’s main seven political parties clash ahead of the general election on July 4.  Mr Farage, who returned to frontline politics for Reform this week and is standing as an MP in Clacton, challenged his political rivals on immigration and net zero policies.
    • Hi CAG Team, I'm seeking your skills and help for a NtK my partner received through the post earlier this week. To give a little backstory, my partner and I, along with our young children (4 and 7), decided to go on a camping holiday about 3 hours away from us. We took a car each because we didn't have enough room in one car. We arrived at the services at very similar times as we followed each other the whole way. So, two cars. My partner has received this NtK, but I haven't. This NtK dropped through the front door on Wednesday, June 5, 2024.  We both parked in the Burger King car park, not in BP; we got out, all went for a toilet break, got some food from the BP garage and returned to our cars to eat.  After eating, we took the kids to the toilet again before leaving to complete our journey. I didn't notice any parking restriction signs and can't get back to the location due to how far away it is. I noticed another person had an issue here and reported it to you, and they managed to get the charge dropped. See below. To me, it looks like they have cameras at the complex's entrance and exit. I'm not sure if they own the land/car park by Burger King, I'm not sure if this is a legal contract or not.  I find that 30 mins limit at a Services that serves hot food to be ridiculous and unfair, especially as we had kids to feed and water.  And the fact that I didn't receive the same NtK despite us driving in and out together is just crazy. This is the location - I also uploaded a map image. Google Maps MAPS.APP.GOO.GL ★★★☆☆ · Restaurant 1 Date of the infringement 24th May 2024 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 29th May 2024 3 Date received 5th June 2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] N 5 Is there any photographic evidence of the event? Y - Only entering and exiting the complex/land. 6 Have you appealed? [Y/N?] post up your appeal] N 7 Who is the parking company? MET 8. Where exactly [carpark name and town] BP Blue Boys, Tonbridge TN12 7HE For either option, does it say which appeals body they operate under. POPLA I hope you can help me out with some guidance on how to proceed with this. Let me know if you need anything else. Thank you, Passerby0233 2024-06-08 13_17_52-Burger King - Google Maps — Mozilla Firefox.pdf NtK_29-05-2024.compressed.pdf
    • Which Court have you received the claim from ? Civil National Business Centre (Northampton) Name of the Claimant ? PRA Group (UK) Limited How many defendant's  joint or self ? Self Date of issue – 23/5/24 AOS - Tues, 11/6/24 (19 days)  Defence - Thurs, 25/6/24 (33 days) Particulars of Claim 1. The Claimant claims the sum of £7926 for an outstanding debt owed. 2. On 20/4/18 the Defendant entered into an agreement with Lloyds Bank for a Credit Card under reference [16 numbers]. 3. On 10/5/22 the Defendant defaulted on the agreement with an outstanding balance of £7296. 4. On 28/11/23 the debt of £7296 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the Defendant in accordance with S136 Law of Property Act 1925. The Claimant has instructed PRA Group (UK) to act on its behalf and the CLAIMANT CLAIMS 1. The sum of £7925 What is the total value of the claim? £8481 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes Did you inform the claimant of your change of address? I believe I sent a letter by registered mail of a change in address to abroad in 2021. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? Online Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Not personally - probably sent to my parents Did you receive a Default Notice from the original creditor? Not personally - probably sent to my parents Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not personally - probably sent to my parents Why did you cease payments? Unable to afford, living abroad What was the date of your last payment? Unsure (probably 2021) Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No ................... I have read through a number of similar threads, one thing i'm not sure how to proceed about is that I live abroad in the middle east and have done for several years. The claim letter was sent to my parents address and I really don't want them to be harassed about this. I am sure I sent the original creditor a registered letter with my change of address but can't find this currently. I am not in a position to pay this, and tend to come back to the UK to see family at most once a year (less since Covid),  not particular bothered about my financial score...more concerned about harassment of my parents. I have not registered on the gov gateway or anything like that.  Details below (as best as i can), and thank you for taking the time to look into it. Also redacted claim form attached: Claim form 23-5-24.pdf
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      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.  

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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.

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      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.
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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Up against the Alliance Cont....


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:?: I posted this a couple of days ago and had a very propmpt reply. The suggestion was to post my issue here actually on the A & L Forum for you all to see. hopefully some further advice and input can be added. I would be most grateful. After having read the FAQ's, I am still unsure about the matter of adding Interest. I originally chose NOT to go for Charges Plus Interest and as you can see, the amount still came to just under £5,000! When I go for MCOL do I have to claim for the Interest at £0.00000022 per day or whatever it is? That will push my claim over the Small Claims limit and cause me a potential problem won't it??....................

 

 

Hi People, I have just found you today after following the first few steps from Martin Lewis's MSE site. In short I am pursuing A & L for a significant sum. Nearly £5K to be precise!! I have just informed them that I intend to go to Court to retrieve my money and have received the response that they are looking in to it....Surprise!

:confused: Couple of Qu's if I may please??

How long do I wait for A&L to "look into" my claim before I go to Money Claim in the Court?

Because my claim is for literally just under £5,000 without interest, does this mean that It will be likely that the Small Claims Court will not handle it and perhaps forward it on??

I really would apreciate some guidance please

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Hi there,

 

I believe you have to wait for 28 days from the first letter you send to the bank asking for your money back before you can proceed to MCOL. Martin Lewis suggests giving them 14 days to reply to the initial letter and another 14 days for the letter before action.

 

I'm not sure about the £5k part (although I've no doubt read about it somewhere:rolleyes:). I'm sure someone will be along to help you out on this soon but, if not, give MCOL a ring and they'll put you right.

 

By the way, I'm pretty sure it's recommended on this forum not to ask for interest initially, which means you've done the right thing.icon7.gif

 

Good luck with your claimicon7.gif

 

Mimi

A-Z CAG links to all documents you'll need for

your claim

(Thanks to Michael Brown for all his efforts)

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

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If you use the spread sheets on here, it will add all your interest for you.

 

But dont include it until you are ready to file at court.

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...

:?: :?: Hi All, Sorry to act dumb but I really don't want to mess this up! I have now waited patiently since the A&L sent me a letter on May 18th saying they "Will look into it etc etc" Obviously heard nothing. I sent my LBA on Tuesday 15th May asking for a response within 7 days. They obviously did respond within that time but clearly not positively.

Do I know just Go for Broke now and fill out the MCOL or N1, or do I send another letter to A&L saying that I am not happy with their response so far and that I will give them a final seven days or something. I am just thinking that this will maybe reinforce my case against them by having given them ample opportunity to deal with it???

 

Thanks for the feedback so far, really would apreciate some more!!!!:)

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:?: :?: Hi All, Sorry to act dumb but I really don't want to mess this up! I have now waited patiently since the A&L sent me a letter on May 18th saying they "Will look into it etc etc" Obviously heard nothing. I sent my LBA on Tuesday 15th May asking for a response within 7 days. They obviously did respond within that time but clearly not positively.

Do I know just Go for Broke now and fill out the MCOL or N1, or do I send another letter to A&L saying that I am not happy with their response so far and that I will give them a final seven days or something. I am just thinking that this will maybe reinforce my case against them by having given them ample opportunity to deal with it???

 

Thanks for the feedback so far, really would apreciate some more!!!!:)

 

As above you can start court proceedings within 28 days of first requesting your charges back. No point whatsoever in sending yet another letter ... they've had plenty of time already and, as many of us know, they will not pay out the full amount until after court proceedings have begun and you show you're serious about claiming (although they'll no doubt make you a "silly" offer along the way.:rolleyes:

 

Lots of us have had proceedings transferred to our local courts and have been notified of a court date and had directions from the judge as to what the "court bundle" should contain, so you've got some way to go yet if you want to pursue it. You have to bear in mind that, if you do commence court proceedings, there is of course the possibility it will go to court, but it's unlikely and, even if it does, it's even more unlikely A&L will turn up:rolleyes:

 

Hope this helpsicon7.gif

A-Z CAG links to all documents you'll need for

your claim

(Thanks to Michael Brown for all his efforts)

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

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:) Thanks Mimi. I have just spent the last 40 mins reading your thread! WOW you really are into it all ..I'm very impressed if somewhat daunted by what may lie ahead of me, but hopefully, with your good self and others to help I'm sure I will be ok!!!

Ok, tomorrow I will be taking them to Court...no messing.

I think I will complete the N1 form rather than MCOL so that I can personally deliver it to my Local County Court.

Would you suggest anything different??

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:) Thanks Mimi. I have just spent the last 40 mins reading your thread! WOW you really are into it all ..I'm very impressed if somewhat daunted by what may lie ahead of me, but hopefully, with your good self and others to help I'm sure I will be ok!!!

Ok, tomorrow I will be taking them to Court...no messing.

I think I will complete the N1 form rather than MCOL so that I can personally deliver it to my Local County Court.

Would you suggest anything different??

 

LOL ... yes, it is rather a long thread:rolleyes: Hopefully though, all the stages I and others have been through and the great help we've had along the way will assist others like yourself. Every case is different but, then again, there are many similarities between what we're all going through. The fact that so many of us are way ahead of you is good news for you as you'll get lots of useful advice along the wayicon7.gif

 

I used MCOL but you should do whatever you feel happy with ... lots of people prefer to deal direct with their local court, so go for it, good luck and keep us up-to-date with how you're doing and what questions you need to ask along the wayicon7.gif

 

Mimi x

A-Z CAG links to all documents you'll need for

your claim

(Thanks to Michael Brown for all his efforts)

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

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Awesome! Thanks very much. I'm sure i will be firing off a few more questions over the coming days, weeks and months possibly??

:?: If I file my N1 this week, what sort of timescale do you think I should expect before a conclusion??

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Awesome! Thanks very much. I'm sure i will be firing off a few more questions over the coming days, weeks and months possibly??

:?: If I file my N1 this week, what sort of timescale do you think I should expect before a conclusion??

 

It depends how busy your local court is ... could be weeks, or even months. I'm not sure if dealing with your local court direct might speed things up a bit, quite possiblyicon7.gif

A-Z CAG links to all documents you'll need for

your claim

(Thanks to Michael Brown for all his efforts)

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

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  • 2 weeks later...

Hiya,

Literally the morning of going to file my Court Claim I received a letter from the A&L offering the usual paltrey difference between £12 and the amount they originally robbed off me etc etc. Basically the standard response most people have been getting!

I'm sure Ive seen some response letters posted somewhere on the site but I can't locate them?? Can someone possibly direct me please??

Obviously my intention is to tell them to place their offer in an orrifice where there is no light, only total darkness!

Thanks

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This may help you when if you want to file a claim. Its from Michael Brown via mochamoo..................

 

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html?garpg=13

 

All the best in your Claim - William

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