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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 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. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • 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.   
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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.

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      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.
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      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

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lw-d v Halifax


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Hi all,

 

I have just registered with the site and I am now encouraged to proceed with my claim. One initial question I have is relating to the Subject Access Request, if I enter the details of two bank accounts in this initial letter, do I need to send a £20 cheque instead of £10?

 

Thanks

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  • 3 months later...

I know its what the bank wants me to do but I am close to giving up. I sent this letter on the 7th August 2006:

 

Halifax plc

Trinity Road

HX1 2RG

 

7th August 2006

 

 

Data Protection Act 1998 - Subject Access Request

 

 

Dear Sir/Madam

 

 

ACCOUNT NUMBER: xxxxxxxxx and also xxxxxxxx

 

 

Please supply me with a complete list of transactions and charges relating to my banking history with your organisation. Alternatively, a complete set of statements for that period will be acceptable.

 

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you.

 

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 DPA subject access request fee.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable. I would be happy to collect the Data from my local branch.

 

 

Yours faithfully,

 

 

================================================

 

 

I then received this letter on the 29th August 2006:

 

Dear Sir / Madam,

 

Completion of request for a list of transcations and charges - xxxxxxxxx & xxxxxxxx

 

Thank you for you letter requesting specific information on your accounts with us. I can that copies of duplicate statements have been ordered and will be sent under seperate covers.

 

With regards to your request for information relating to manual intervention of your account, HBSOS plc is under no statutory obligation to record this information and therefore, I am unable to assist further with your request.

 

Should you have any general account queries, please contact 24 hour banking on 08457 20 30 40.

 

Yours faithfully,

 

N.J Inett

Data Protection Consultant

Business Risk - Retail

 

 

================================================

 

I have not received any details of my statements, not heard from them at all. Can anyone advice?

 

Thanks

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I have just typed up a letter to send to them:

 

Dear Sir / Madam,

 

In your letter dated the 29th August 2006, you stated that you would be sending out duplicates of my account statements (See the letter you sent me attached).

 

It is now over two months on and you have not sent me these. Is there a reason for ignoring me?

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Please dont give up that is exactly what they are hoping you will do..Know it is annoying frustrating etc etc but it will be worth it if you have money to be repaid. I am fighting MFI at mo and feel so close to giving up but that little voice inside my head says 'dont let the buggers get away with it!' See post if you are interested!

 

Bargaingirl

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Hi bargaingirl

 

Read this it may encourage you!

 

Their was a Pike in a fish tank which was fed six little minow fish everyday

 

One day they then put a glass frame down the centre of the tank, the Pike was at one end and they put six minows at the other end.

 

Now the Pike could see the minows, but everytime he tried to get to them, he would hit his head against the glass frame, he kept trying for about two hours, but eventually give up and just swam around.

 

They removed the glass frame from the centre of the tank, but the Pike still did'nt come across to the minows, because he thought the barrier was still there, in time he died of starvation.

 

This was of course due to the Pike's own attitude of mind, the barrier was not even there, he just thought it was.

 

Don't give up

 

Keep moving forward you will win in the end.

  • Haha 2

Hello everyone I'm a newbie to this forum, or any forum come to that, so be patient with me as I have alot of unanswered questions that I wish to find the truth about.

 

These include bank charges, what my rights are and how I can go about my business without getting ripped of by the banking system and others.:confused:

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I think we all have days when we feel like giving up the fight.. Ive had a week or so recently like that myself..But with the encouragement of others on here Im glad to say I found my fighting spirit again and Now Im gunning for certain companies..lol Sent the a Final Letter Before Action today and If I dont say so myself it was a belter..should shake them up a good bit..lol

 

Never Give Up..maybe have a wee break to recharge batterries though ..lol

 

Keep up the fight, You have all of the CAG Gang behind you ..

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Hi, today I got exact same letter (word for word) that you got. Are you gonna send below letter now or have you sent it. I seriously feel like giving up too.

 

 

LETTER BEFORE ACTION

Section 7 – Data Protection Act 1998

 

Dear Sir/Madam

 

Account: xxxxxxxx

 

You have failed to comply with my Data Protection Act Subject Access Request dated (Insert Date).

 

If you do not comply within the next 7 days I shall seek a Court order obliging you to do so together with damages at the discretion of the Court and without any further notice.

 

 

Yours faithfully

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  • 2 weeks later...

Hi all, in the Preliminary Approach for repayment letter it says that I will enclose a schedule of the charges which I will be claiming. What do I include in this schedule and is there a template to use?

 

Thanks

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Use the Simple S/S here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-interest-calculation-spreadsheets.html

 

Overwrite the existing examples type of charge, amount and date.

 

The days since and 8% will be calculated automatically

 

Save it (for use later at court), then delete/hide the last 2 columns (8% bits) and print out as your schedule of charges.

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