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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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    • 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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Buttercup79 v Woolwich


buttercup79
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Hi there :)

 

I recently started a claim for the Woolwich, to which I calculated £8351 charges (inc interest) and have sent my LBA, to which they offered £4492.

 

This is a fairly reduced sum and I would like to fight for a closer figure! I have been reading up on the court section and get the impression that it is better to fill an N1 form in than go through MCOL? Is this correct? Also I can't seem to find an address to send this N1 form to and how do I find my local court? (Its something I havent had to do before!!!;) )

 

Hope all you helpful people out there can help me,

 

Thanks in advance,

Buttercup79 :D

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Hi buttercup and welcome to CAG!

 

Well that's a pretty rotten offer by The Woolwich and quite rightly you can, if you follow all the steps on this site, have the full amount of your charges (and any interest thereon) refunded, so a closer figure would be £8,351.

 

You will get all the advice and support you need on this site buttercup so don't panic about the thought of court or that it's a bank - in basic speak, it's your money so you're going to get it back.

 

Okay, just so we know you've got it all right before you file an N1, can you let us know;

 

1) What sort of account is it and how far back are you re-claiming?

 

2) Did you send off the Preliminary Request and then the Letter Before Action at least 14 days later?

 

3) When you say you included interest, as long as it was interest occuring as a result of the unlawful charges you are fine. At this point you cannot have included the 8% Statutory Interest. That gets added only once you file a claim.

 

4) Have you calculated your charges and interest using the spreadsheet from this site? If not, I would recommend you download it and put in your figures as it is self updating and calculates accumulating 8% Stat Interest which you will need once you file.

 

This link http://www.hmcourts-service.gov.uk/HMCSCourtFinder/ will help you find your local county court. If you are still unsure, let us know where you live and I'll look it up for you.

 

Definitely the N1 route from now on as MCOL is snowed under and will certainly delay your claim.

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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Hi Welshcakes and thanks for the friendly welcome.

 

Okay - so in answer to your questions...

 

1) It a OpenPlan account from the Woolwich - and I have claimed back for the last six years

 

2) Yes I sent the Prel Request ( which they actually £4492) and then I sent the LBA to which they replied with the same offer of £4492.

 

3) This bit I am confused on and now scared I have done the wrong thing:o I used the spreadsheet from this site and added the 8% on (which is what the £8351 includes) was this not the correct interest to use? This is what I used for my Pre Request and LBA - I am really scared now that I have messed this all up:eek:

 

Thanks for your advice, I really appreciate it - just a little scared I've done the wrong thing now.

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Hi buttercup

 

Ok, stop panicing - you haven't filed at court so you're fine. what you need to do is 'hide' the 8% APR column and print off the spreadsheet (because what you are legally allowed to ask back for at this stage is just the charges but not the 8%).

 

I presume the total of your claim is significantly more that the offer, even without the 8% - if it is pretty much on the mark, you should obviously consider accepting their offer.

 

So, assuming you still want to reject their offer as being way off the mark of what's due, what you will do now is take your amended spreadsheet (not showing 8%) and enclose it with a further letter to Barclays. The letter you will send is Letter No. 4 from http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html. BUT you will need to make a few alterations.

................................

Here is my offer of the altered letter:

 

YOUR Street

Town

City

Postcode

 

 

 

 

Date

 

BANK NAME

Address

Address

Postcode

Re: Account number XXXXXXXX

 

Response to settlement offer.

 

Dear [named sender or Sirs]

 

Thank you for your letter dated xx/xx/xx

 

I respectfully decline your offer of settlement and request that you return to me all charges imposed on this account, totalling £xxxx as per the enclosed Schedule of Charges.

 

In order to avoid Litigation against you, I am prepared to temporarily accept the sum offered as partial settlement on the clear understanding that the remainder is paid within the next 10 days, namely £ [put in the difference between £4492 and your new spreadsheet figure]. Failure to comply with this request will result in legal action against you for full recovery.

 

*If you do not accept my conditions for acceptance, or you do not respond within 10 days, I shall return any the payment to you OR *If you do not accept my conditions for acceptance, or you do not respond within 10 days, the money transfered to my account should not be viewed as my acceptance and I hereby authorise you to remove this sum accordingly.

For the avoidance of doubt, I wish to stress that I do not accept your offer under the terms stated in your letter.

*(Only put this is if they send you a cheque for the £4492)

*(Only put this is if the bank have credited your account)

I trust this clarifies my position.

 

 

Yours faithfully

 

 

 

[signature]

 

 

[print name]

 

Enc: Schedule of Charges

 

...................................................

 

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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Hi again

 

Thank you so much for your patience and help! but..... I'm a little confused by the astericks sections?!?? how do I know which one to put when they havent sent me any money yet?

 

Sorry if this is really simple - I think I am having a blonde moment....sorry!

 

Thanks so much again for your help - I really appreciate it.

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hi Buttercup

 

If at the point of sending the letter, you haven't received it in any shape or form, you delete both (green and brown). How much £ is your claim without the 8% APR?

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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What is your claim without the 8%?

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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Hi buttercup

 

Okay, well you must pursue this through court and get your full settlement offered. They've tried to pay you off quick with just over 70% of your entitlement.

 

Get the letter off today registered post then on 30th July you can submit a hardcopy claim to your local county court.

 

Have you found the address of your court now?

 

Any worries you have about filling in the forms or your Schedules calculations, drop me a PM and I'll run through all the figures and wording with you :)

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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  • 2 weeks later...

Hi there

 

An update on my case....

 

Sent partial offer letter off and they replied with the same £4492 offer. I was about to start the court proceedings.... but with the new info released at the end of last week about the banks and the courts I am a little unsure of what to do? Is there a chance i could loose the £4492 if i start court proceedings?

 

Please help

 

Thanks in advance

Buttercup

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Hi buttercup

 

Well if you start court proceedings, the bank will almost certainly withdraw its offer which is packaged up as "a goodwill gesture" in full and final settlement to prevent the need for court litigation. You would have to sign an agreement to accept £4492 as F&F settlement so you would therefore have no case with which to go to court - it's one or the other I'm afraid.

 

Their offer is still open to you and they wll honour it.

 

If you decide to hold out for the full amount + 8%, you will likely be waiting another 12 months+ for the cheque (though it will be a whole lot bigger).

 

This is a decision only you can make :)

  • Haha 1

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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  • 1 month later...

Hi there

 

Just after a little advice...... I sent my letter accepting there offer at the beginning of AUgust but they still havent paid me the money.... even tho it said on the letter it would be in my bank account within 10 days??

 

Can anyone help please??

 

thanks in advance

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Hi buttercup

 

I am helping one of my friends who is in a similar stage with the Woolwich. I have printed off a simple letter on their behalf FAO of the Woolly signatory of the offer letter. It is short and to the point requesting a timely settlement for the agreed amount of £xx so that the matter may be concluded.

 

It sometimes accelerates things when you address correspondence/emails to a particular person and 'hound' them.

3 Active Claims:

Barclays Refund of Bank Charges (Sole account) - Applied to lift court ordered Stay

Barclays Refund of Bank Charges (Joint account) - Awaiting court date

Barclays Refund of Bank Charges (Joint account) Pre-6 yrs- LBA sent.

 

 

3 Wins :

Barclays t/a The Woolwich (Data Protection Act breach costs & compliance)

HSBC (on behalf of brother)

Settled Out of Court - £3,874.76

Alliance & Leicester (on behalf of friend)

Settled Out of Court - £723.41

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We did the same thing - accepted their offer when the OFT case was announced. Our money was paid within 5 days, I think due to the fact that I included a letter telling them I still felt that the charges were wrong and I sent it by recorded delivery, so they HAD to acknowledge it existed.

 

Also, I kept calling them daily to check if the money was transferred yet, so I guess they accepted we meant business!

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