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    • Hi,   A few pointers from yesterday to take note of evris cpr 27.9 failed again so we should really make issue of this also their WX fail to comply with CPR so again we should take issue with their statement of truth  you cant get tort if you get damages under subsection 7 of CRA because its double recovery  - not sure what we think of this? however its the first time i saw the judges make reference to your non automatic rights from s49 which s54 and 57 assist with. We should start stating this specifically for claims as I think its much better than just 49 and 57 as we need to make it clear where our non automatic rights come from as 54 automatic frankly dont help  I have sent the claim form and defences to the admin email because I can’t upload them for some reason as it wont let me but thought this may help as its the first time we’ve taken tort to trial. although i think the DDJ was honestly struggling to understand some parts of the law because he was asking me about them and how he should interpret them, especially for the automatic. Will apply for transcript if you want it?
    • I decided on confrontation - which I hate.  Omg the arrogance of the driver.  They refused to say who had given them the alleged permission to park on the private land - unless I proved ownership.  I couldn't believe they could be so objectionable.   They advised they couldn't take public transport to work as they lived too far away.  They couldn't rent a local garage as none were available. I simply said that's their issue not mine. It was infuriating that this person had such misplaced entitlement.  However I decided to humour them and show them the title deeds.   They couldn't respond.  Although at this point they alleged some guy in a city up north - whose name they couldn't remember - gave permission!!    They then asked if they could buy the garages and land!! Yet can't afford to park on a meter !! They seemed to back down and agree to now park elsewhere.  I hope so. 
    • I've worked out the contractor invoiced apx 250k - Without adding vat to the invoices.  So based on above he should have added vat to all invoices once he reached 85k?  Obviously he had to pay his labourers - would those payments get taken off what he received?  Or it doesn't matter cos he invoiced for the high sum?
    • Greetings, I'm writing to seek assistance with an ongoing issue I'm having with Manchester Council.  I parked my car in a residential area behind Wilmslow Road to go purchase some food, not realizing it was a no-parking zone. I later received a letter stating I had failed to make the required payment, and the penalty had increased. I appealed the fine, explaining that I had parked there but never received the original Penalty Charge Notice (PCN), so I was unaware of the need to pay. However, the council's reply did not address my initial concern. Is there anything I can do in this situation? I admit to parking there, and I was willing to pay the original fine, but I don't think it's fair for them to demand a doubled amount when they failed to send me the initial PCN.  Any advice or guidance you can provide would be greatly appreciated. Thank you in advance for your assistance.   MK Document.pdf
    • If you look at some of the other debt related threads will see that one of the first things which will be asked will be for you to list out your debts in a brief chronological order, including date of debt, amount, creditor, amount outstanding, defaulted – yes/no – date of default, date of last payment made, have you acknowledged the debt at all to the creditors. That lot at least. I expect that my colleague @dx100uk will be along but will meet to know at least that information
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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.

      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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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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TSB defence


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Hi,

 

Can anyone help the TSB has filed this defence and I am not sure how to defend the claim, I have looked at the court bundle but am not sure what sections are revelant to this response, please see sections of the TSB defence any help would be welcomed. please can any tell me what is deemed as a breach of contract so I am a little clearer on this wording and has any one eles received this type of defence fron the TSB or am I the only one.

 

5) There is no breach of contract; the charge cannot therefore be a penalty, consequently there is no requirement that the charge can be pre-estimated of the bank loss.

 

7) The charges are terms which relate to the price payable by the customer for a service provided by the bank and pursant to regulation 6 of the unfair terms in consumer contract regulations 1999, are not subject to

the assessment of fairness.

 

 

thanks

 

8.2) the charges are for bank services, and are not damages nor penalty

 

8.3) it is denied that the charges are unlawful or contravene and statute or regulation.

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If anyone has a experience or has been through this stressful period then please let me know, I am starting think I be one unlucky people to lose this claim and therefore feel it maybe better to quit

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Hi Superfly,

I see you got your thread started. Now I don't know anything about Lloyds, but don't give up. You will get the right help here, just stick with it

Jo

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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It sounds like they have all the bases covered how does one defend against points?

 

Lloyds are totally predictable and the fact that you have received a 9 point defence is good news in so much as it means that your claim seems to have been well prepared so far.

 

Have you been asked to complete an allocation questionnaire or has this been dispensed with?

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Hi Nic,

For my own benefit as well as Superfly's, Lloyds are trying to say that no contract has been breached, how would you go about proving otherwise?

Jo

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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WHat they are actually saying is that the charges are for a service - they have not deviated from this defence for some 18 months. The courts are well aware of this argument and the term for it is 'cloaking' a penalty charge as a service.

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If anyone has a copy of the the mirror newspaper today I would suggest you take a look at mirror money page 40 'climbdown on bank fees', this article can be accessed online and makes intresting reading it states "Most won back all their bank charges plus 8%" and "so far the ombudsman has not had to rule on any cases because, just like in the courts banks are backing down before a decision has to be made". I though I pass this good news on so whoever is claiming back at the moment can breath a sigh of relief.

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Wey Hey, power to the people

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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I don't know if this is a delaying tatic but last week to my surprise the bank sent me through another set of bank statements, these ones go futher back then the first set. This tatic has now confused me because the orginal claim was lower and would like to claim back all the bank fees plus the 8%.

 

I thought banks were surpose to the customer through all statements for the last six years in one go, not one part now part later when they feel like it, is it true you can amend a claim before the hearing and will it weaken the defence since the bank has already acknowledge and agreed the orginal amount being claimed was a true pre-estmiate. Has another eles encountered this problem and would you agree the TSB is just awful when send out other documents except letters for processed bank charges letters

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I don't know if this is a delaying tatic by the TSB but last week to my surprise another letter dropped through the door, to my surprise TSB sent more bank statements, they forgot to post these ones. The additional statements go back further to sept 01 (yes this is great news). The accompaning letter received with the statements blamed an "processing error" for the delay.

 

I now have the added stress of working out these new charges plus amending my claim, the concern with this is the bank has already acknowledge and agreed the orginal amount is a true pre-estimate, will this weaken my defence if the amount is amended before the hearing and what if the bank then disputes this the higher figure when an adement is submitted. I would like to hear from anybody who has experinced this poor service, the TSB can only get it right when they send you out a bank charges letter.

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