Jump to content


  • Tweets

  • Posts

    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
  • Our picks

    • 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
        • Like

Cheddar V Natwest **WON**


cheddar
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6257 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Yes she puts her direct number on her letters. Am ringing her this afternoon, would have done it this morning but had a screaming child wrapped round my leg for most of it! :p

Ex CAG helper ^_^

Link to post
Share on other sites

  • Replies 204
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Have just tried ringing her, got someone else again and was told she was busy. I said it's okay I will hold, they said no she will have to ring you back, I said I'll hold anyway!!! After a few minutes I spoke to Joyce who very abrubtly said they have dealt with the DPA, I said that someone had sent some statements to me but no actual DPA, she would have to ring me back. It looks like we're not getting anywhere with this..........

Ex CAG helper ^_^

Link to post
Share on other sites

WOOHOO!!! Actually managed to speak to Joyce Tudor and get an answer, conversation went like this:

 

2.50pm

 

Me: Hi my name is Mrs xxxxxx I'm just ringing to see when you will be sending out my Subject Access Request, I sent off payment and authorisation from my husband 3 weeks ago.

 

JT: What is your surname? xxxxx?

 

Me: Yes

 

JT: I'll just look into that for you, I'm putting you on hold.

 

Me: Ok, no worries

 

JT: Is your reference xxxxxxx?

 

Me: Yes thats the one

 

JT: It says here that the SAR was sent out on 23rd March

 

Me: Oh? Thats strange, well I did get some bank statements from Stuart Higley at your Customer Relations dept but nothing extra and no mention of any manual intervention

 

JT: What exactly do you mean by that? What extra information do you need?

 

Me: Well I would like to have any notes on my account that show where a person has had to change something on my account, whether it be changing my address, stopping a cheque or adding a credit/debit to my account manually rather than asking a computer to do it for them or letting a computer automatically change something as if it is has been pre-programmed to do so. This would also show who did it and when etc

 

JT: There wouldn't be any mention of staff names on your notes that we could give you as they have their privacy rights too (?). But when we do an SAR if it includes anything more than the statements then it would have been included in with them.

 

Me: So are you saying that by not sending any details of any manual intervention that means there have been no manual intervention over the past 6 years?

 

JT: Yes thats what it means. There would have been no manual intervention on your account otherwise it would have been sent in with your statements.

 

Me: Ok then, thats fine. Also I have noticed you haven't cashed my £10 cheque, will it be cashed at all?

 

JT: Yes evenetually it will but we are very busy due to the number of SAR requests from people claiming back their bank charges that we are sending all the cheques off in bulk to the department that deals with that. We aren't a branch so can't cash the cheques.

 

Me: So the cheque will come out at some point in the future?

 

JT: Yes

 

ME: Okay I just want to make sure so I don't emtpy my account and then you take the £10 and I get a charge

 

JT: Giggle, no that wouldn't be good would it?

 

Me: No not really, I've had enough as it is. Thanks for your help.

 

JT: No problem, thanks for your call

 

-----------------------------------END-------------------------------

 

Sadly I don't have any recording equipment and I suppose I could have asked for that in writing but am going ahead to ask for the amount I have calculated back now anyway.

Ex CAG helper ^_^

Link to post
Share on other sites

Best of luck with it, Cheddar! Weird that after all that effort to speak to her, she turned out to be fairly nice...

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

If you find me vaguely coherent, click the scales.

Link to post
Share on other sites

Well have sent Preliminary letter today....still worried about the Manual Intervention part of it. I think I will write another letter to Joyce Tudor and say that I want her to put the above call into writing by basically stating that there has been no MI on my account in the past 6 years.

Ex CAG helper ^_^

Link to post
Share on other sites

Usual response from Mr Higley came today (am impressed, very fast indeed). '...charges are fair, reasonable and transparent...' etc etc

 

LBA being typed up now.....ARRRGGHHH!!! Have run out of paper! Oh well, trip to the shops for me! :p

Ex CAG helper ^_^

Link to post
Share on other sites

  • 1 month later...

Okay thought I would update as I've had some time off! LOL! Got a response to my LBA very short and sharp and to the point now, just send claim to reg office.

 

Ok I will! LOL!

 

But I have one question, i am nervous of getting ay of this wrong as I can overlook things sometimes. I won't need to pay for my court costs so can I fill in and print my N1 and take it with me with the exemption form and my proof and sort it there and then? Also on the N1 form i have the template for particulars of claim but where it says Claimant do i need to put my address there as well? Also is it Natwest or RBS I am taking to court? And finally (LOL) where it says value shall i split it into £2149 charges and £xxx interest or lump it together?

 

I have looked on the site/forums and the courts site but can't quite get a specific answer to this. How brief can my 1st details of claim be? How about 'claimant is asking for £xxxx of charges back from Natwest????'

 

Sorry to go on but i really want to get this right.

 

(I also need a mod to change the title of this thread for me as it doesn't really reflect what i'm on about now! LOL!)

 

Thanks

Ex CAG helper ^_^

Link to post
Share on other sites

Like that, you mean?

  • Haha 1

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

If you find me vaguely coherent, click the scales.

Link to post
Share on other sites

Edit the first post?

  • Confused 1

DPA Letter received by NatWest 11/04/2006

DPA Request expires 21/05/2006

Statements received 15/05/2006

LBA sent 15/05/2006

 

If you find me vaguely coherent, click the scales.

Link to post
Share on other sites

Okay thought I would update as I've had some time off! LOL! Got a response to my LBA very short and sharp and to the point now, just send claim to reg office.

 

Ok I will! LOL!

 

But I have one question, i am nervous of getting ay of this wrong as I can overlook things sometimes. I won't need to pay for my court costs so can I fill in and print my N1 and take it with me with the exemption form and my proof and sort it there and then? Also on the N1 form i have the template for particulars of claim but where it says Claimant do i need to put my address there as well? Also is it Natwest or RBS I am taking to court? And finally (LOL) where it says value shall i split it into £2149 charges and £xxx interest or lump it together?

 

I have looked on the site/forums and the courts site but can't quite get a specific answer to this. How brief can my 1st details of claim be? How about 'claimant is asking for £xxxx of charges back from Natwest????'

 

Sorry to go on but i really want to get this right.

 

(I also need a mod to change the title of this thread for me as it doesn't really reflect what i'm on about now! LOL!)

 

Thanks

 

Sorted the title, am bumping to see if anyone can help with my questions. Have done another search tonight and still can't find the answers. Sorry if being thick...

Ex CAG helper ^_^

Link to post
Share on other sites

But I have one question, i am nervous of getting ay of this wrong as I can overlook things sometimes. I won't need to pay for my court costs so can I fill in and print my N1 and take it with me with the exemption form and my proof and sort it there and then?

I believe so but ring your local court and check with them first or alternatively go along and see what they say.

Also on the N1 form i have the template for particulars of claim but where it says Claimant do i need to put my address there as well?

Yes, and a contact telephone number may be a good idea as well.

Also is it Natwest or RBS I am taking to court?

Assuming that you opened the account with Nat West, it's National Westminstar Bank plc

And finally (LOL) where it says value shall i split it into £2149 charges and £xxx interest or lump it together?

You lump it together

 

I have looked on the site/forums and the courts site but can't quite get a specific answer to this. How brief can my 1st details of claim be? How about 'claimant is asking for £xxxx of charges back from Natwest????'

I use "Repayment of amounts charged by the defendant to the claimant for purported breaches of a contract to supply current account banking services in contravention of the Unfair Contract Terms in Consumer Contracts Regulations (1999), the Unfair Contract Terms Act 1977 and the common law. "

  • Confused 1
Link to post
Share on other sites

Filling in N1 now shall i add my other half as it is a joint account? I think we both have authority on the account but remember when i asked for DPA they said my hubby had to put it in writing too.......

 

Also where it mentions in the particulars of the claim where you enter the date it was opened I opened it when i was about 9 years old and it just got upgraded from there really so can i just put approximately 1988?? And where it asks for the sum of £xxxx and any interest charged thereon; what do i put in the xxxx the amount of charges or the full amount (charges+interest)?

 

And where it says A list of the charges applied is attached to these particulars of claim. Can I send the list of charges off the excel spreadsheet?

 

One last thing can i print out these forms in black and white as i don't have a colour printer? sorry to go on! LOL!

 

Thanks

Ex CAG helper ^_^

Link to post
Share on other sites

Sorry I feel really cheeky for bumping but it is the only thing I need to know so I can send off my claim form, I am not adding my husband as it doesn't matter and couldn't get a clear answer from Court Clerk re being able to send B&W copy of the N1, they are either out or terribly daft at my courts!

 

Many Thanks in advance to anyone who could spare a quick glance at this.

 

Thank you.

  • Haha 1

Ex CAG helper ^_^

Link to post
Share on other sites

Hi Cheddar

 

Been trying to work out your q but i think i must be missing something .....

where you say the sum of XXXX and any interest charges thereon, where exactly is that. i cant see it on my N1 samples.

Is that the bit your stuck on or am i being dense.

i've got patricia pearl to hand + all my law books but i think i'm being dense!

 

will help if i can

 

k:rolleyes:

Link to post
Share on other sites

Thanks ever so much Katesage, on the template for Particulars of Claim - Hard Copy Version it says this:

 

5. Accordingly the Claimant claims:

 

a) the return of the amounts debited in respect of charges in the sum of £ 3 and any interest charged thereon;

 

3 - insert sum

 

So was wondering if i put the amount or the amount plus charges.

 

Sorry for all the questions though, i don't want to mess it up. Would it harm anything to add my hubby to the claim? It has been a joint a/c for about 3 years now.

 

Thanks! :D

Ex CAG helper ^_^

Link to post
Share on other sites

did you mean the amount and the amount with interest ? it's the amount as you also add a paragraph saying you wish to claim the interest ..can't remember the exact wording but if you can't find it just ask again .

Don't ever worry about bumping your thread as as you are aware we are really busy so prefer you to bump it if we miss it , that rather then post it again in another thread :D

  • Confused 1

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

Link to post
Share on other sites

hi cheddar

 

sorry for delay, found this

 

The claimant claims interest under

section 69 of the County Courts Act 1984 at

the rate of 8% a year from 1.1.2003 to

17.04.2006 of £112.43 and also interest at the

same rate up to the date of judgment or

earlier payment at a daily rate of 0.31.

think it roughly forms the additional paragraph you need to add to claim the interest. not sure if you need the orange bit?

my pc keeps crashing!

 

hope its a start at least, there must be other examples out there?

kate:)

  • Confused 1
Link to post
Share on other sites

also this was on fredfunks thread, the end bit represents the interest paragraph bit. it hasnt been checked by a mod but sounds pretty good to me?

 

 

Quote:

 

Claimant has had a contract with the Defendant, which is conducted according to its standard terms and conditions, since 1986. Claimant is claiming the return of money taken by the defendant in the way of charges over the last six years, plus the interest it has levied on these charges. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. Further, as a disproportionate penalty they are invalid under the Unfair (Contracts) Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contract Regulations 1999. Para.8 and sch.2(1)(e). In the event that the charges are not a penalty then they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. Claimant has repeatedly asked the Defendant to justify its charges but it has declined to do so. Claimant has had a contract with the Defendant, which is conducted according to its standard terms and conditions, since 1986. Claimant is claiming the return of money taken by the defendant in the way of charges over the last six years, plus the interest it has levied on these charges. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. Further, as a disproportionate penalty they are invalid under the Unfair (Contracts) Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contract Regulations 1999. Para.8 and sch.2(1)(e). In the event that the charges are not a penalty then they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. Claimant has repeatedly asked the Defendant to justify its charges but it has declined to do so. The Claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from June 2000 to June 2006 of £1,166.17 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of 0.022%.

good luck:)

Link to post
Share on other sites

LOL! Yep I just foudnt that too plus there is a link to the courts service site to work it all out. Okay so any answers to my other questions? LOL!

 

Is there any harm in adding my other half?

 

Where it says there is a list of charges attached (as this is a hard copy) do i attach the spreadsheet?

 

Is black and white ok to hand into the courts, no one there could answer me!

 

Thanks. x

Ex CAG helper ^_^

Link to post
Share on other sites

As you are going to the court in person you can.

 

a/ check at the desk if they accept black/white. if not you'll have to fill in a new form on the spot, just copying from your printout.

b/ check if you need to add your husband, probably not but it doesnt hurt to check

c/ yes, the spreadsheet is attached as a hard copy. take at least three copies with you.

I believe other pertinent documents eg letters and copy of contract can also be added, but the spreadsheet should suffice.

 

they are usually very helpful at the court office.

good luck!

k:)

  • Confused 1
Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6257 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...