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    • all DYL's are subject to a TRO. looking at this newish, ever increasing as old ind units have gotten removed, estate, there are only lines on one side, on the other there is a parking lane with traffic calming through which you mention. i seriously doubt your mate has any clue what he is talking about.!! its not a private housing assoc estate. so its a public council owned road. no construction co can just decide to draw their graffiti on a road. the DYLs are certainly there pre 2016 even before his home was built. now ive had a quick look to see if the main access to royal park road has signs. there is no royle park road even on your map but there is a royal barn road which leads to where you are parked royal road has a restriction sign on the pole by the fence of the electric substation jnc with gipsy lane there does not appear to be one leading in from the other end - tesco petrol station
    • Hi All. I was driving in Stevenage down a 40 road after coming off the motor way, i noticed my car felt a little "weird" i accelerated, then slowed the car down.  Shortly after i got stopped by a manned police car with a laser. During the stop the officer stated i was doing 54 in a 40, the conversation was short, but he said i would unlikely get a awareness course and it was most likely 3 points and a fine.  Mrs thought it was a good idea to have dairy when she is lactose intolerant on date night, we just got on our way.  At the time, i didnt admit to the offence, but did say i didnt realise and had slowed down in any case. The officers chest camera was recording and on. At the stop, he asked where to send the fine to, as i knew i would be travelling to visit family up north, i provided my temporary details at that location in Yorkshire. It is now 05/05 and i haven't received anything at either my home address in Stevenage or the temporary address. 1. Is there a time limit in which paperwork needs to be sent to me. 2. Should i query the ticket as i don't want to miss any deadlines (if so who do i check with?) OR should i keep quiet. 3. Given nothing has arrived in 20 days, is there a chance of appeal if and when it comes through? Many thanks CrazeUK
    • Hi All. A family friends car was having issues when she was on a trip visiting family up north at the begining of January.  She ended up leaving it at my friends garage in the same location, who parked it on his forecourt to investigate the issue, howver he said most likely it is beyond economical repair as its a serious gearbox fault. In the meantime i replaced her car with one of my spare cars. The insurance on the car then expired in at the end of January.  When the insurance expired, I sent a paper V890 paper as i didnt have her V5 Reference number in hand to do it online (i have a copy of this).  She didnt mention she hadnt recieved any confirmation as she didnt know if she would get one.  She then cancelled her road tax at the end of March (i think) as she was paying by DD. She then was travelling up north so didnt get her ,ail until last week. She recievd a letter dated 09/04/2024 stating she had failed to insure the vehcile and there was a £100 fine which could be reduced to £50 if she respons by 11/05/2024.  As soon as we noticed, i got her to dig  out the V5 and SORN'd the vehicle.   My friend has been a bit slow in checking the fault, however i suspect it will still be scrapped and is still on his forecourt. Is this possible to appeal?
    • worthy to not forget Just to let you know this bunch Kensington have been fined £1.225m by the financial regulator for treating borrowers who were in arrears unfairly. Claim those charges back plus the interest and tell them not to add any more to the account. There are a few news stories here you can get the info for a letter to send to them. http://news.bbc.co.uk/1/hi/business/8615870.stm  
    • Hi All. I went to visit a family friend in Rochdale on a new housing estate opposite a old row of houses. The location is Royle Road, Postcode OL11 3PE. I was originally parked in parking bays outside the old houses, then moved the car, when I noticed my tyre was flat, so parked on what looked like double yellows to use his air pump to check and inflate the tyres before we left the house.   In the time i went inside to sort the pump and power supply i got a PCN.  The tyre then got changed (has a puncture) and we left. PCN Number:         RE######## Date:             04/05/2024 Time:             20:36 Observation:         20:34 to 20:36 Reported location:     Royle Park Road Reason:        Parked in a restricted street during prescribed hours (Code: 01) I believe this PCN is not correct and has grounds to appeal: 1. My friend who moved into the property around 6 months ago, swears that even though it has old double yellows marked, they are not current or council marked.   He said the property development company had said they had marked them for ease of access during development. 2. The road i was parked on was Royle Road.  The PCN was issued for Royle Park Road, which is about 400 yards up the road. 3. There are no sign posts or marking showing parking  restriction hours in the entire area (there maybe on Royle park Road). I have attached a map of the Location where i parked as a red dot. I have 2 questions: a.  Is there a way to check where double yellow lines are marked on some register to check if they are current? b. Can my grounds of appeal simply be, wrong location, wrong offence? Thanks in advance. Map_20240505.pdf
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    • If you are buying a used car – you need to read this survival guide.
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    • 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

Flaura V MBNA - **WON**


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Flaura :p

xx

 

Halifax Bank Accounts - N1 ready to file waitng further advice and pay day !!

 

Halifax Loan - Sending LBA for £150

 

MBNA settled in full for £488.23 - whaa hoo ..:lol:

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:o

 

Sorry ment to say DPA sent on 13th June 06

Flaura :p

xx

 

Halifax Bank Accounts - N1 ready to file waitng further advice and pay day !!

 

Halifax Loan - Sending LBA for £150

 

MBNA settled in full for £488.23 - whaa hoo ..:lol:

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  • 3 weeks later...

only received a standard letter so far from MBNA still waiting for further details ..got til the 27th July !!

Flaura :p

xx

 

Halifax Bank Accounts - N1 ready to file waitng further advice and pay day !!

 

Halifax Loan - Sending LBA for £150

 

MBNA settled in full for £488.23 - whaa hoo ..:lol:

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Still absoutely nothing form MBNA - worth chasing them up ?

 

maybe i'll just give them a call £180 on statments i have !

Flaura :p

xx

 

Halifax Bank Accounts - N1 ready to file waitng further advice and pay day !!

 

Halifax Loan - Sending LBA for £150

 

MBNA settled in full for £488.23 - whaa hoo ..:lol:

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received a letter yesterday from MBNA ! saying blah blah t&c's term 3b of my credit agreement.

 

how they don't agree with OFTs interpretation of the law, but they've now reduced there charges to £12.00

and they'd like to offer me a goodwil payent of £475.00 ? i thought they only owed me £180.00 ?? jesus how much do they really owe me ..

 

So .. what do i do now ? they've said they wil pay the money to link financial who look after the debt for them ? they've apparently already aranged this payment.

 

So....! do i write back and accept the £475.00 in partial settlement, I'm happy for it to go to link .. but ask that they still send me the statments for 6 years ?

 

help !! seriously confused.:confused: :o

Flaura :p

xx

 

Halifax Bank Accounts - N1 ready to file waitng further advice and pay day !!

 

Halifax Loan - Sending LBA for £150

 

MBNA settled in full for £488.23 - whaa hoo ..:lol:

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Any advice on the following would be good before i send it ??:p

MBNA Europe Bank Ltd

LETTER BEFORE ACTION

Section 7 – Data Protection Act 1998

 

Dear Stuart Johnson

 

Account: *******

Your reference: *******

I am in receipt of the letter that you have supplied in response to my Data Protection Act information request dated 26th May 2006.

I am happy to accept the goodwill payment of £475.00, and I am happy that you have arranged to send this directly to Link Financial reducing my balance with them, however, you have not addressed my request and therefore I cannot accept this payment as full and final settlement of this matter until I am in receipt of the requested documents and I have confirmed to you that I happy that this settles the matter in full.

 

1) You have failed to provide a complete list of transactions and charges as requested under the data protection request.

2) You have failed to provide notes, or documents relating to instances of manual intervention.

 

This is not an exhaustive list by any means, it is just an example of some of the information I am missing.

 

Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998.

 

You have until the 23rd July 2006 to comply.

 

Yours Sincerely

Flaura :p

xx

 

Halifax Bank Accounts - N1 ready to file waitng further advice and pay day !!

 

Halifax Loan - Sending LBA for £150

 

MBNA settled in full for £488.23 - whaa hoo ..:lol:

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gone by email and hard copy in post !

Flaura :p

xx

 

Halifax Bank Accounts - N1 ready to file waitng further advice and pay day !!

 

Halifax Loan - Sending LBA for £150

 

MBNA settled in full for £488.23 - whaa hoo ..:lol:

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haven't actually got it yet though ? did you work out how much they owed you i still have no idea.. ?

 

sorry they gave me £25 quid more i have no idea how they work it out... maybe they pick a number and go for it.

Flaura :p

xx

 

Halifax Bank Accounts - N1 ready to file waitng further advice and pay day !!

 

Halifax Loan - Sending LBA for £150

 

MBNA settled in full for £488.23 - whaa hoo ..:lol:

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Share on other sites

I didn't ask for the charges yet.. i suspect they are trying to pay people off before they find out how much they are really due.. costs them less in the long run.. used to work in customer service and we used to do it all the time..

 

joy of joys ! and i thought i was having trouble with Halifax god bless em !

 

anyway i've sent my letter above .. do have dealings with link financial if i don't get anyhting by wednesday next week i'm going to give them a call.. and give em some serious grief after all there call centre debt collectors were never the nicest to me .. my turn to get my own back ..

 

evil laugh and rubbing of hands together .....

Flaura :p

xx

 

Halifax Bank Accounts - N1 ready to file waitng further advice and pay day !!

 

Halifax Loan - Sending LBA for £150

 

MBNA settled in full for £488.23 - whaa hoo ..:lol:

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I received my statements today. showing £495.00 in charges £20.00 they'd repaid me when I winged that I paid late because they didn't send my statement to my correct address !

 

good as sorted then.. ! I'm going to check Link have received the money and then send them a letter accepting the amount and cofnirming the matter as closed..

:D

 

settled in full i do believe ! this brings me to what i believe i really owed them all along ! :D

Flaura :p

xx

 

Halifax Bank Accounts - N1 ready to file waitng further advice and pay day !!

 

Halifax Loan - Sending LBA for £150

 

MBNA settled in full for £488.23 - whaa hoo ..:lol:

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Link haven't received the money yet :( ? arghh

 

sent email to stuart johnson requesting he investigate will also call on monday to find out.. ?

Flaura :p

xx

 

Halifax Bank Accounts - N1 ready to file waitng further advice and pay day !!

 

Halifax Loan - Sending LBA for £150

 

MBNA settled in full for £488.23 - whaa hoo ..:lol:

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checked with link financial again - definately haven't had the money called MBNA and they say that link should be sent the money by the end of this week it's only just been authorised for payment - girl (Kate) confirmed that the total amount authorised for payemnt £485.22 ?

 

confusing as hell - I'm going to check again monday get nothing getting an LBA

Flaura :p

xx

 

Halifax Bank Accounts - N1 ready to file waitng further advice and pay day !!

 

Halifax Loan - Sending LBA for £150

 

MBNA settled in full for £488.23 - whaa hoo ..:lol:

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  • 2 weeks later...

Link should receive money on wednesday 10.08.2006 :mad: have told MBNA if they do not then i will issue claim in the small claimes court plus interest..

Flaura :p

xx

 

Halifax Bank Accounts - N1 ready to file waitng further advice and pay day !!

 

Halifax Loan - Sending LBA for £150

 

MBNA settled in full for £488.23 - whaa hoo ..:lol:

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Got a full refund plus some.

 

Charges totaled £475.00 - they paid me back £488.25 on Monday of this week to Link Financial whom I owe the debt to now.

 

now i only owe £295.23p wha hooooo!

 

I'll be making a donation when i get my halifax money through :lol:

Flaura :p

xx

 

Halifax Bank Accounts - N1 ready to file waitng further advice and pay day !!

 

Halifax Loan - Sending LBA for £150

 

MBNA settled in full for £488.23 - whaa hoo ..:lol:

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  • 3 weeks later...

very interesting thread this as at court stage with halifax plc and I was going to do MBNA next but was reluctant as over my limit at the moment, but after reading your thread and how easy they paid up, I will be sending them a letter requesting statements once the halifax claim is complete. Thanks very much for sharing this info with me.

 

Roberto

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