Jump to content


  • Tweets

  • Posts

    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
  • Recommended Topics

  • 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 
        • 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
  • Recommended Topics

Westy1 v Abbey


Westy1
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6096 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

Early this year I received three cheques from Royal Bank of Scotland amounting to over £8,000 in settlement of my claim for unfair bank charges on three accounts. Spurred on by this I offered to help my daughter recover her charges from Abbey.

 

In February I sent £10 and the standard Data Protection Act S.A.R - (Subject Access Request) - they sent a series of acount charges, but only up to January 06.

A further request resulted in copy statements from August 2006 to close of account.

Telephone requests and assurances that the missing statements would be sent resulted in no further data being sent.

 

So I sent the Abbey a LBA on 14th. May - no result.

 

Finally, on 22nd. May I completed an N1 claim in the Whitehaven County Court for breach of the DPA. So far so good....

 

This week I received a copy of the Abbey's defence - it was a proforma.

As you might expect, they deny liability for unfair bank charges, but also claim that the missing bank statements are microfiched data and that this "does not fall within the definition of a relevant filing system" under the DPA. I looked around this site and found that in view of the Information Commissioner's ruling last year this was simply not true!

 

I have sent a further letter directly to the Abbey's Regulatory Compliance Department, informing them of the impending court action and giving them a final chance to comply - quoting the Information Commissioner's ruling.

 

Let's see what happens...

 

I think if they don't comply I should ask the court to strike out their proforma defence, as advised elsewhere on this site, on the grounds that it is a waste of resources since they have always settled before court in the past.... Failing that I think I have the necessary arguments to hand to put together the court bundle... Can't wait for the court allocation questionaire!

 

I'm also wondering if I should start a new small claim for the unfair charges now, just to get things moving on. I could use an estimate of charges, and when I get the missing data from Abbey I could submit additional information to the court.

 

Anyone else in this position? Anyone been to court with Abbey?

Link to post
Share on other sites

Hi Westy

 

Hope you dint mind JonCris asked me to pop in and have a look at your thread, he is out of contact right now with respect to the forum.

 

Re your questions about Abbey and their non-compliance, if you haven't already done so make sure you have a copy of the ICOs letter regarding their view of both Abbey's and Barclaycards fiche systems.

 

Also check their website for guidance on what is and isn't a relevant filing system.

 

The CAG contact at the ICO told me ages ago they were revising the guidance to confirm their views about what is and isn't caught by the DPA in terms of relevant filing systems.

 

When i discussed this with her it was so wide as to potentially catch my companies personnel files which are buff folders with papers in, so fiche is definitely in!

 

In respect of the way forward, personally if they do not comply i would make a claim against them under Sec 13 of the DPA for damages (use your estimate of charges to determine the level of damages).

 

I have included a claim for non-compliance on my latest claim against abbey which is underway now. i am waiting for a court date sometime soon.

 

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

Link to post
Share on other sites

So..... my claim continues.

Having received a rubbishy proforma defence from Abbey, I have served them with a S18 CPR request for information, to be provided within 14 days. I have also written to the Whitehaven County Court sending them a copy, and requesting permission to ammend my Particulars of Claim, so that I can now include a claim for the unfair charges.... well, they brought the matter to the attention of the court, not me, so it is only fair that they should provide me with the full information regarding their defence, in order that I can prepare my papers for court..... I think they'll fold, but I'm quite prepared to go the whole way if necessary!

Link to post
Share on other sites

  • 3 weeks later...

Well.... now I have gone and done it!

Using the advice from this site I have submitted a ammended Particulars of Claim to include a claim for refund of bank charges which Abbey mentioned accidentally in their defence to my Data Protection Act breach claim.

I also sent in an application for strike out of Abbey's defence together with the suggested draft directions order, requiring disclosure of charges details etc....... all be recorded delivery to the bank as well as to the court.

Abbey have got themselves into a corner by not responding to anything I sent them. Now let's see how they try to get out of this one!

Link to post
Share on other sites

Now what!! I got a letter from the Whitehaven County Court today:

"It is ordered that there will be an allocation hearing on 17th. September at...."

"And it is ordered that the Claimant should attend in person. The defendent may attend by telephone" (My italics).

 

So is this good news? Does anybody have any idea what I can expect at an allocation hearing? Why does the claimant have to attend in person, but ShAbbey can attand by telephone (Darned cheek!).

 

Can anyone help?

Link to post
Share on other sites

FWIW

 

Dont get to excited about the paint and the corner.

 

The court sonly interest is in seeing claim settled, either out of court or if it gets to court, with both parties taking part, unlikley i know.

 

I suspect Abbey will take it to an allocation hearing and settle shortly thereafter if they stick true to their form.

 

Re the strike out have you made a formal request using the n244 or just written in?

 

At the AQ hearing sexpect to see either a barrister or a solicitro from abbey and if there are any contensious issue i.e. charges over 6 years old or CI, they will ask the court to strike them out effecitvely.

 

For your part you need to go along and make your case for the claim going ahead in tact.

 

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

Link to post
Share on other sites

Thanks for the reassurance Glenn - I just wrote a letter to request a strike out. Shouyld I have used an N244? Should I check with the Court if the request is OK, or if they want me to use an N244?

Link to post
Share on other sites

if you really want them to strike out the defence then the best bet is to make a formal application i understand. However, there are potential dangers, although i think they are small, that if you got a hearing to strike out their defence they could ask the court for costs should you lose the application.

 

Generally as far as i can make out courts wont strike out unless they have extreme provocation.

 

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

Link to post
Share on other sites

OoooooK.... So, I'll just leave things as they stand now and hope it works out alright.

I'm printing out the witness statement for the allocation hearing and all the other stuff the website says I should take..... but with a bit of luck the ShAbbey might settle when they receive copies of my statements etc.

Link to post
Share on other sites

  • 4 weeks later...

Well, well.... This week I recieved the statements and list of charges I requested under my subject access request! Pity it is over the 40 day limit for such requests! I think Abbey are hoping that I will not be able to proceed with my court case against them because they have now complied, BUT they don't seem to realise that failure to comply with the 40 day limit is in itself an offence and that I can claim compensation (I think up to £5,000!) from Abbey for that in itself, and damages as the court allows.

 

They reminded me about the High Court case, but I wrote to the judge with new ammended particulars of claim, removing the request for an order to comply with the DPA, but claiming compensation and damages for breach of the Sixth Data Protection Principle, and with revised schedule of unfair charges now I have the actual figures to hand. I have asked him not to grant a stay due to human rights, etc.

 

Well, the Allocation Hearing is on 17th. September... and I'm all ready for it!

Link to post
Share on other sites

Come on - we are almost in the top five of petitions! We have 23,119

Only another 3,000 names required to beat 26,006 for Ghurka pensioners!

Email all you friends and family.....

send them this link Petition to: follow the Bank Charges Reclaiming Charter, which aims to end both the current suspension of reclaiming & the financial misery caused by unfair penalty charges.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...