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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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    • 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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    • 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.

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      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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Steven4064 v Goldfish *** WON ***


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Sent SAR two weeks ago. Got a phone call from helpful lady saying they wanted proof of ID - at last a financial institution that seems to know what they are doing. Let's see if they can keep it up.

 

Sent certified copy of passport today.

 

Steven

 

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Hi

COuld you tell me which address you sent the SAR off to. I'm chacing them for charges my ex may have paid. The docs he has are from 2003 so not sure if the address is still the same.

 

Mnay thanks

Ellielou x

Halifax 1

WON - £1,355.49 21/07/06

MINT

WON - £273.81 14/09/06

First Direct

WON - £913.50 01/09/06

Capital One

WON - £130.13 03/11/06

Halifax 2

WON - £188.03 01/12/06

 

Kensington Mortgages ERC

MCOL for £6,204.39 Discontinued

Halifax Mortgage Admin fee

WON - £10.00

Direct Line Mortgage Redemption Fee

WON - £99.00

Halifax 3

MCOL for £109.01 reg 07/03/07

 

http://petitions.pm.gov.uk/redemptionfees/

Please sign this petition x

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Hi ellielou

 

The address we used is

 

Goldfish

PO Box 3598

Glasgow

G68 9YG

 

After a week they phoned me (actually I wonder where they got mynumber from? Humm, anyway) and wanted proof of ID. I had to send them a certified copy of my passport - cost me £5 - but they are entitled to that under the Data Protection Act.

 

Steven

 

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  • 2 weeks later...

31 days in and I have receieved a letter saying they want me to pay £10 for the SAR. Now, I sent them a cheque (got the number) with my original request. If they are going to carry on like this, then we could fall out.

 

Steven

 

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Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

 

 

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  • 1 month later...
Hi Steven, any joy yet with Goldfish?
Nope! It's now 38 days since I sent them the second cheque for £10 (they lost the first one) - I'll give them until Thursday - that will be 40 days from when they received the second cheue (Track and Trace says they recieved it on 23 June)

 

.

 

 

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I phoned Goldfish as 40 days is now up since I sent my second cheque.

 

You will never guess what!! They have lost that one too!!

 

They checked on Track and Trace and could see that my letter was receieved on 23 June - the man I spoke to is going down to the post room to find out what they did with it. I hope threir efficiency improves or there is going to be a serious falling out!

 

 

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Goldfish are a nightmare - I originally requested my SAR back in May - have made 10 calls sent 3 cheques and still nothing! Even sent an email to the CEO and it was never acknowledged!

 

Reported them to the Info commissioner and they are now going to write to them - so watch this space!

 

I just hope after all this fuss I actually have some charges - lol:p

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Hey Steven - you're having a time with this lot aren't you. I hope you've lots of nice charges on there that you can claim back ;)

 

Best wishes

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Now I've got the statements we're on my timetable not theirs. Charges are justr over £200 and interest almost doubles it. So, worth going for. Here is the preliminary letter

Goldfish

PO Box 3598

Glasgow

G68 9YG

 

Request for repayment of charges

 

Dear Sir/Madam,

 

ACCOUNT XXXX XXXX XXXX XXXX

 

I have recently come to realise that the fees which were applied to my accounts in relation to late payments substantially exceed your costs in handling these events and amount to penalty charges, which are contrary to common law and to the Unfair Terms in Consumer Contracts Regulations 1999.

 

This letter constitutes a formal request for you to repay £x in late payment charges and listed in the attached schedule, plus interest of £y based on my bank’s authorised borrowing rate of 14.9% compounded, which is what it would have cost me to replace this money, making a total of £x+y.

 

This letter is not a complaint and so I do not expect it to be treated as such. Rather, I expect a positive response within 14 days accepting my request in principle. I believe that this is more than sufficient for a large company such as yours with dedicated staff and large resources.

 

Yours faithfully,

Steven4064

 

 

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  • 2 months later...
  • 3 weeks later...
Let my timescale slip a bit on this as I've been busy with other things. LBA in the post in the morning.

 

It's all too easy to let your timescales slip a bit Steven, I'm about to send a prelim to Capital Bank that should have been sent in October :rolleyes: Never mind, better late than never.

 

Please can I use your prelim above? I propose to tweak it a bit for my own use. TVM :)

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Steven who do you propose to name on the court papers? Is it Morgan Stanley / Lloyds TSB or Goldfish? Reason I ask is i am in middle of claim and they are stating (Morgan stanley) saying it is not there fault? Would appreciate some details if possible

 

Thanks

 

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Hi Mrsfoot

 

I am going to name Goldfish Bank Limited (T/A Goldfish) as that is the company name on the letters they have sent me. Registered office is 2 Hertsmere Road, London, E14 4AB, which I will use rather than the Glasgow address which I have been corresponding with so far.

 

I hope to file the claim Monday or Tuesday this week. I will post the PoC I use later, in case that's of interest to others.

 

 

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I finally received my statements after 6 months from Goldfish - they have requested that I write to Lloyds TSB though as apparently Morgan Stanley didn't own Goldfish when I held my account.

 

I am now at LBA stage with Lloyds and have only had a standard letter telling me about bank charge claims being on hold - not sure what that has to do with my credit card claim.

 

Am due to file at court next week - should I continue with my Lloyds details or go for Goldfish... I am V confused.

 

LS

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You should go with Goldfish as that is the company your contract is with. The fact that Goldfish is owned by LTSB is irrelevant - they are just the shareholders.

 

In you claim, name "Goldfish Bank Limited (T/A Goldfish)" and give their address as the registered office:

 

Hertsmere House

2 Hertsmere Road

London

E14 4AB

 

Keep us informed - do you have your own thread? If not, start one and we'll keep in contact as we go through the process roughly in parallel. (my claim is going to have to be postponed for a couple of weeks - see above).

 

 

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  • 1 month later...

I receieved a reply to my second Subject Access Request on 8 January and there are more charges in 2000 and 2001. I am therefore sending a second LBA (to override te first). I have also revised the interest rate I am going to claim in restitution for Goldfish's unjust enrichment - 17.9%APR. I have also pre-empted a discussion on the Limitation Act 1980:

Goldfish

PO Box 3598

Glasgow

G68 9YG

 

Letter Before Action

Dear Sir/Madam,

 

ACCOUNT XXXXXXXXXXXXXX

 

I wrote to you on 11 August requesting repayment of £xxx in unlawful late payment charges. I also sent a letter before action for these amounts on 6 November 2007.

 

Having realised that your reply to my initial Subject Access Request under s7 of the Data Protection Act 1998 was incomplete, I sent a further request which you replied to on 9 January 2008.

 

Using this information, I calculate that between 4 February 2000 and 13 March 2005 you added unlawful charges to the above account totalling £xxxx and levied interest on those unlawful charges of £xxx. I am therefore requesting repayment of £xxxx. The charges and interest thereon are listed in the attached schedule.

 

If I don’t receive a positive response to this request within 14 days I will make a claim in the County Court without any further notice.

 

I am also requesting payment of interest of £xxx as of today’s date based on your credit interest rate of 17.9% APR compounded, as restitution for Goldfish’s unjust enrichment by making unlawful charges to my account, making a total of £xxx. The interest will continue to accrue at a rate of 0.0451%/day.

 

I realise that some of the charges I am reclaiming were levied before 21 January 2002, that is, longer ago than 6 years. Because this action is based on simple contract, s5 of the Limitations Act 1980 would be thought to apply and the action to be time-barred after the expiration of six years from the date on which the cause of action accrued – the cause of action being, in this case, the levying of the respective unlawful late payment charges.

 

However, I did not seek repayment of the charges at the time because I mistakenly believed them to be lawful and therefore paid them mistakenly. I have also recently discovered that Goldfish have systematically and deliberately concealed the true nature of the charges they have levied, facts that are relevant to my right of action.

 

I will therefore be claiming that s32 of the Limitation Act 1980 applies as the action is for the relief from the consequences of my mistake (s32(1)©) and that Goldfish have deliberately concealed facts relevant to my right of action (s32(1)(b)). The limitation period of 6 years thus begins from the point where I could reasonably have discovered my mistake and your concealment, namely the broadcast of the BBC’s Moneybox programme on 18 February 2006.

 

Yours faithfully,

 

steven4064

 

 

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However, I did not seek repayment of the charges at the time because I believed mistakenly (BASED UPON YOUR OWN INFORMATION)for them to be lawful

would that not be easier based on their mis information steve just a thought to say they were mis leading you

patrickq1

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Thanks patrick

 

I will make a note to include that thought when I file my N1. (too late for the letter now). If I get a reply (none receieved to anything I've sent so far apart from DPA request) I expect it will say their charges are 'fair and transparent' or words to that effect which I will then use as an example of them concealing the true nature or their charges.

 

 

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  • 2 weeks later...

Recieved an offer over the weekend to repay the difference between my claim and the £12 charge they have implemented. No need for me to tell you my response to that ;)

 

Also they say they "do not recognise the value of your interest credit request..." This is hardly surprising since I am claiming contractual interest as restitution for the fact they have had my money all this time.

 

I am sending this reply

Dear Sir/Madam,

 

ACCOUNT XXXX XXXX XXXX XXXX

 

Thank you for your letter of 22 January 2008.

 

In your letter you say there have been four £15 and eight £20 late fees applied since the account was opened. From the statements you have sent me there were one charge of £12, seven of £15 and eight of £20. These are listed in the schedule attached to my revised letter before action dated 21 January.

 

I note that you have offered to repay me the difference between the charges you list in your letter of 22 January as being levied against my account and the £12 charge you have now implemented.

 

I note that your letter effectively seeks to justify this charge on the grounds that it complies with OFT guidance. In that guidance, the OFT says:

 

As a practical measure, to help encourage a swift change in market practice, we are setting a simple monetary threshold for intervention by us on default charges. The threshold is £12. (paragraph 5.3, emphasis mine)

We regard the setting of the threshold as a provisional practical measure to move the market towards compliance. We should make it quite clear that we are not inviting the banks to align their charges at such a threshold figure. We are not proposing that default fees should be equivalent to the threshold, and a court will certainly not consider that a default fee is fair just because it is below the threshold. (paragraph 5.5, emphasis mine)

 

The threshold is not intended to be a permanent feature of our intervention in this market. We will consider further action if trends in the market suggest that this threshold approach is insufficient to bring about appropriate and early change in the market. (paragraph 5.6, emphasis mine)

 

It is also important to note that the threshold for action is a statement of our regulatory intent. We have no power to constrain private civil actions or to determine what a court should decide and other enforcers may apply for injunctions under the UTCCRs. (paragraph 5.7, emphasis mine)

 

It is quite clear from the above that Goldfish cannot claim the charge of £12 to be sanctioned by the OFT in any way.

 

I therefore accept you offer only as a partial settlement of my claim and intend to continue with a court action since the OFT guidelines say that the fairness of the charges should be determined by a court.

 

Should the action go to allocation, I will be seeking an order from the court for Goldfish to disclose the actual costs to them due to breaches of contract. Knowledge of the actual cost base will allow the court to determine if the charges levied are in excess of actual costs. The law on penalties in contracts is well established and this simple arithmetic comparison will settle the issue.

 

In your letter, you say that you do not recognise the value of the interest totalling £xxx I have claimed. I do not recognise it either. In my letter before action dated 21 January I have claimed £yyyy interest actually charged by Goldfish on the unlawful charges and £zzzz in restitution for Goldfish’s use of the money claimed to unjustly enrich itself. For this I claim the authority of Sempra Metals Limited (formerly Metallgesellschaft Limited) (Respondents) v. Her Majesty's Commissioners of Inland Revenue and another (Appellants), House of Lords [2007] UKHL 34.

 

In my action in the county court I will also be claiming interest at a daily rate of 0.0451% from the data of my letter (21 January) until judgement or earlier settlement.

 

Since your letter seems to have crossed with my revised letter before action, as a gesture of goodwill, I will give you a further 7 days to reply before commencing court action.

 

 

I hope this clarifies my position and I look forward to hearing from you.

 

Yours faithfully,

 

me

 

 

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  • 3 weeks later...
  • 2 weeks later...

Another fantastically informative thread from steven4064. I'd like to subscribe but, as per usual, have forgotten how - doh! - hence this post.

NatWest: seeking unlawful charges + interest incurred as a result of those charges of £4,292.82 and contractual interest (compounded) of £4,559.41. Court claim issued 16.01.08; acknowledgement of service filled by Cobbetts on 30.01.08

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