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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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      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.

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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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mcuth v RBoS ***WON***


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Interesting that they're going to try and pay it anyway even if you decline (if I've read it properly). I haven't seen that before. They clearly don't want this one in court.

If you found this post useful please click on the scales above.

 

Egg - £400 - Prelim sent. On hold.

Mint - On the list Est £800

GE Capital - On the list (3 accounts!) Est £4000

 

MBNA - £545 Prelim sent 13/11/2006

LBA sent 1/12/2006

£350 partial payment received 18/12/2006.

Full settlement received 20/1/07

 

NatWest - Est £4000 not incl interest

Data Protection Act Sent 10/1/07

Statements received 24/1/07

Prelim sent 3/2/07

Full Settlement received 22/2/07

 

The contents of this post are the sole opinions of The Cornflake and not necessarily the opinions of any other members of this group. They do not constitute sound legal or financial advice and if in doubt you are advised to seek advice from a qualified professional

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Interesting that they're going to try and pay it anyway even if you decline (if I've read it properly). I haven't seen that before. They clearly don't want this one in court.

 

That's the way I read that also. So if they come in the night and slide £10 notes under your door they can just apply for a judgement because you've received a 'refund'? (Your footprint on this peice of paper signifies your acceptance.)

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does this little snippet from cobbetts' letter drop them in it I wonder?

 

Whilst this letter is written without prejudice save as to costs, in the event that you decline this offer, we will seek to pay you this amount in any event and apply to the Court for summary judgement on the remainder of your claim based on the fact that you have no real prospect of succeeding on the remainder of the claim.

 

are they admitting here that you have a real prospect of succeeding in proving the unlawfulness of the charges within the 6 year timeframe, and that their only defence is the SOL?

 

Although I suppose the fact that the letter is Without Prejudice means that you wouldn't be able to use this in evidence

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oh and something else

 

how can they say this

Acceptance by you of this goodwill payment will be in full and final settlement of your claim against our client and strictly on the basis that: -

 

1. you agree not to disclose to any third party the fact of, or any details relating to, this payment:

2. you write to the Court withdrawing your claim.

 

and then this

in the event that you decline this offer, we will seek to pay you this amount in any event

 

is it a genuine offer - they are imposing terms on the offer and then saying if you don't agree to the terms they will pay it anyway. what I'm trying to get at is if this is not a genuine attempt at settlement they don't enjoy the privilege of the without prejudice that is stated on the letter, as Glenn has recently pointed out to us in one of his claims.

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I am no expert in this, as much as it might not be the answer you are seeking, this is IMHO, a valid offer of settlement 9just because we dont like it doesnt mean its invalid)

 

I doubt a court would see it any other way, they have pointed out their belief about your entitlement to claim based on Sec 5 Limitations acts and offered to pay. So i think that you cannot produce this in court without potentially causing yourself huge embarrassment not to mention the wrath of the judge.

 

And yes they can attempt to pay you, they could lodge the sum in court should they so wish i believe.

 

However, where i believe they are on dodgy ground is that for them to say your claim has been settled they would have to pay or offer to pay, the full amount of the charges claimed i believe, at the moment they are offering partial payment and therefore the claimant can proceed on the basis of the rest of the claim.

 

When it gets to court it would then be up to Mcuth to make his arguments about the limitations act and the principle of laches to offset the banks arguments.

 

Has this claim been allocated yet?

 

If it hasn't then the arguments are likely to be presented by the defence at the AQ hearing, if one is held, to try to prevent Mcuth from presenting all the arguments/evidence as to the unlawfulness of the charges.

 

Personally i would suggest that if you hasvent been allocated that you prepare you case for allowing the charges odelr than 6 years.

 

JMHO

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Hit'n'run post from work...

 

As far as I can see, it's a valid offer under their (mistaken) belief that the pre-6yrs amount isn't allowed. However, I'll be arguing that most vehemently, and producing the letter from their client offering the £2711

 

It's not "Without prejudice" either ;):D

 

Cheers

 

Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

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Michael

 

Be warned though, if you dont already know, that even if this letter is not marked WOP, it can be deemed so, especially if subesquent letters are marked as such and this one is deemed to be part of that chain.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Relevant Para.

Privileged, Without Prejudice, and Without Prejudice Save As to Costs documents. - Alway Associates

Without Prejudice.

Without Prejudice” documents (which are also “Privileged” documents) are those documents that relate to all negotiations genuinely aimed at a settlement between the parties.

Any communications which are intended to be part of a genuine settlement attempt should be clearly marked “Without Prejudice” at the top of the letter.

The courts have held, however, that the principle of “Privilege” can protect subsequent and even previous letters in the same chain of correspondence. Strictly speaking, therefore, it is not necessary that every letter be marked “Without Prejudice” if it is clear that the communication is intended to be part of the settlement negotiations.

The converse of this being that, just because documents are marked “Without Prejudice”, unless they are intended to be part of a genuine settlement attempt they will not actually enjoy “Privileged” status and they will not be protected from disclosure.

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Which track has it been allocated to? Or have you already posted that and i've missed it?

 

No track allocation yet, we're just starting with the cat & mouse stare-out stuff :D

 

It's not "Without prejudice" either ;):D

 

Durrr - where did I get that from? Strange how I missed that at the end of the letter - oh well :rolleyes:

 

Here's my reply to their missive about the Limitations Act & derisory £95.00 offer:

 

Cobbetts LLP

Ship Canal House

King Street

Manchester

M2 4WB

Dear Sir/Madam

Your ref: XXX/XXXXXX.XXXX

In the Swindon County Court

{mcuth} v The Royal Bank of Scotland plc

Claim Number 6SN05490

Thank you for your letter of 16th January 2007, the contents of which I note.

Firstly, notwithstanding your claims with regards to the Limitations Act 1980, I would note that your client offered a payment of £2711.00 to be credited to the bank account in question in full settlement of my claim. I accepted this offer as partial settlement on an unconditional basis only, and that it must be paid separately by cheque. This chain of communication, and the offer therein, was not followed up by your client - I enclose copies of the relevant communication for your reference. NB - the reason that the offer was only accepted on a partial basis was because your client made no consideration of the accrued interest since the charges were deducted from the account.

Secondly, I consider your belief that my claim has no real prospect of succeeding, to be flawed. Not only am I confident that I will be able to proceed with my claim under s32 of the Limitations Act 1980, I am also confident that the claim will succeed for the reasons set out in my Particulars of Claim.

Accordingly, with this in mind, I accept your offer of £95.00 only in partial settlement of my claim, but I reject the conditions that you impose on the offer.

With regards to confidentiality requirements on this and any future offer, please be advised that I see neither a legal necessity for a confidentiality clause, nor any reason to request one. Confidentiality is a service which I may be prepared to offer, but this would be subject to a separate and negotiable fee. Until said fee is agreed upon and paid, I absolutely and completely reject any confidentiality agreement. I would also note that, as laid out in my Particulars of Claim, any payments made with regards to this claim must be made by cheque made payable to myself.

The above should not be taken as an implication that I am unwilling to negotiate a settlement on this matter - I am a reasonable person and will consider reasonable offers to settle this claim without troubling the court. However, please note that settlement out of court in a case that I am bringing against The Royal Bank of Scotland PLC must be on my terms and satisfactory to me

Finally, I would note that I am currently composing my Reply to your Defence, and this will be with you presently.

Yours faithfully,

{mcuth}

 

 

Cheers

 

Michael

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Your letters are just fab! love reading 'em & I'm sure I'll be nicking bits (with your prior permission of course!) when/where possible! :)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Your letters are just fab! love reading 'em & I'm sure I'll be nicking bits (with your prior permission of course!) when/where possible! :)

 

Thanks chezt :)

Of course, you'll be welcome to them - that's why I post 'em up here ;)

 

Cheers

 

Michael

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I'm still following mate, they seem determined to drag this one out but the longer they do the more intrest is added. I have a good feeling about this one. Now the other question! can I nick some of your letters, as it would take me months to draught mine as I am rather slow on the old comp.

Looking foward to your next update, Keep fighting.

 

happyolddog.

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Thanks folks, much appreciated, I hope they do the trick :)

 

Happy - you're more than welcome to ;)

 

Cheers

 

Michael

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Received AQ in this morning's post - it's an N150 (nice :rolleyes:) and I've got til 12th Feb to return it, with £100.00 of course.

 

So, if anyone can help out with this request so I can send in my reply to defence with the AQ, I'd be most grateful :)

 

Cheers

 

Michael

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Received AQ in this morning's post - it's an N150 (nice :rolleyes:) and I've got til 12th Feb to return it, with £100.00 of course.

 

So, if anyone can help out with this request so I can send in my reply to defence with the AQ, I'd be most grateful :)

 

Cheers

 

Michael

 

I am still working on it Michael. ;)

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links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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It's a distinct possibility - plus some other additions methinks ;)

 

I intend to spend most of this weekend going over the whole thing with a fine toothcomb....

 

Cheers

 

Michael

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Good stuff! If you could use that then there will be no need to submit your reply to the defence just yet will there?

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Good stuff! If you could use that then there will be no need to submit your reply to the defence just yet will there?

 

Maybe, but I want to get my reply done and submitted. With them threatening strike out on the SoLA stuff, I want it in there and sorted before we get anywhere near any allocation hearing :)

 

Cheers

 

Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

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That makes perfect sense! Good luck with the fine toothcomb :)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Hi. Am new to this site but am really enjoying reading the RBOS threads. Have sent of initial letter to bank requesting refund of bank charges for the past 6 years. Was lucky enough to still have all my statements. So will keep touching base as and when they communicate with me.

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Hi. Am new to this site but am really enjoying reading the RBOS threads. Have sent of initial letter to bank requesting refund of bank charges for the past 6 years. Was lucky enough to still have all my statements. So will keep touching base as and when they communicate with me.

 

Good stuff, welcome to the site :)

The first thing you should do is create your own thread in this forum - then you can keep all the information on your case in one place :)

 

Cheers

 

Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

Please see the following copyright statement

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