Thank you Crem. Thought that would be the case but just wanted to be sure. Many thanks

can somebody advise me please? my son received a 'Parking Enforcement Notice' London Luton Airport from APCOA in april Today received a letter from Roxburghe Debt collectors stating it is a 'parking charge notice'. does he akcnowledge it or just ignore it. As he is out of the country at the mo I don't want to do anything to give these vultures any leverage. many thanks

Hi jubaxt just a thought - if you have charges on your mortgage account, have you also charges on the account from which the direct debit was being taken. if the d/d was not paid for lack of funds then that account will most certainly have charges on it as well. if it is a N&P account do a claim for that at the same time as the mortgage account. if a different bank then claim against them as well. I claimed for 3 accounts with N&P and did them at the same time, all in the same letter but itemised the accounts and sent separate spreadsheets of charges for each account.

Some will tell you to send the form back crossing out what you don't agree with. Difficult decision. when I claimed it was for my son and girlfriend. they decided to keep account open and agree to charging structure. I think the assumption being - after talking to banking operations manager - that if they claimed again then their accounts would be closed. hopefully now that they are out of the viscious circle of charges + interest = more charges etc then they can keep in credit. having said that now that you have already claimed online I think you should wait until N&P receive that from the court before contacting them again, as you will now presumably want at least the court costs if not the interest. only my opinion of course.

Hi I'm surprised they ignored your letter as they are usually pretty quick in replying. Maybe they are getting quite a lot more claims now than when I did mine. Read some of the threads on penaltycharges.co.uk. I think a couple of them actually filed in court. Try giving the banking operations manager - David Presland - a ring. He is actually a very nice man, quite approachable and easy to talk to. He seemed very keen to avoid court action so may settle quickly.

I think you'll find there have been quite a few successes - many without having to go to court. take a look on penaltycharges.co.uk on the N&P thread - altho' not many compared to the big banks, all successes and relatively easy compared to most of the others.

try phoning their banking operations manager. he is a very approachable guy. tell him you will only accept 100% and want to keep your account open. I claimed for my son and girlfriend and after 2 letters phoned the banking operations manager, told him 100% or court. he agreed but wanted accounts closed. then son's girlfriend phoned him and had a long chat and he agreed they could keep their accounts. open. take a look at the penaltycharges.co.uk site. most people on their did the same as me. my son & girlfriend received nearly £1800 in refunds.

instead of a second letter you could try phoning the banking operations manager again on Monday. he is very approachable. we sent the first lba on 20th Jan and received refunds into bank on 12th March - no court.

second lba we sent : 'We are writing with reference to our letter dated 20th January 2007 requesting refund of the above charges placed on our accounts. We are very disappointed with the reply received from dated 31st January 2007. Due to extensive media coverage on bank charges we are aware that Norwich and Peterborough Building Society have been charging us, charges, that are contrary to the Unfair Terms in Consumer Contracts Regulations 1999. Schedule 2 (e) of the said regulations gives a non-complete list of terms, which may be regarded as unfair, such as a term that requires us as consumers who fail in their obligation, to pay a disproportionately high sum in compensation. These ‘penalties’ total £xxxx, which you will see from the spreadsheets attached. As stated in our earlier letter, we consider these penalty charges to be unlawful and as such we are requesting once again that the sum of £xxxx be refunded to our accounts. We are sure that Norwich and Peterborough Building Society would wish this matter to be settled without court proceedings being instigated. However, should the funds not be refunded to our accounts, or should we not receive your assurance that this will be done, then we shall start court proceedings within 7 days. Should this happen you will be aware that not only will Norwich and Peterborough have to refund £xxxx but also interest, which at the moment stands at just over £xxx, rising daily, and our court costs which we anticipate will be in the region of a further xxx, as well as your own solicitors fees. Furthermore we would wish to continue operating our accounts with Norwich and Peterborough Building Society. We believe any threat to close our accounts would be malicious and a punitive reaction to our "penalty charges” complaint against N&P. In doing so you would act against the advice of the The Banking Code Standards Board. We would draw your attention to the fact that the Financial Ombudsman Service has just adjudicated in a complaint against the Alliance & Leicester, on a complaint regarding the closure of a customer’s account in response to a claim for "penalty charges". The FOS decided that the closure was indeed unfair as it was punitive and retaliatory. The FOS awarded compensation to be paid by Alliance & Leicester. We are certain that you, acting for Norwich & Peterborough, would wish this matter to be settled out of court and look forward to receiving your reply within the said 7 day period' sent it to the Banking Operations Manager and then if no reply within 7 days, or however long you give them, phone him and speak directly to him. He is a very approachable guy and I think is keen for things not to get to the court stage.

Hi kregrs have you tried phoning head office and speaking to the banking operations manager. I claimed from n&p for mny son & girlfriend. sent the lba, and a second chance lba then phoned the banking operations manager who said he would refund 50% and close account. I said don't bother and he sent a letter offering 100% with account closure. girlfriend phoned him and he agree to 100% plus accounts staying open. we never filed in court at all. might be worth a try.

Congratulations Shame all the other banks are not so accommodating as N&P!!

I claimed against n&p for my son and girlfriend. (see my earlier post on this thread) try phoning the Banking Operations Manager and tell him that you are not happy with offer of 50%, want the whole 100% and want to keep your account open. my son's girlfriend did this and he agreed to 100% plus accounts staying open. after signing their agreement money was in their accounts 7 days later. didn't need to file court claim. try phoning him, he is very reasonable and easy to talk to.

Hi have you read the threads on penaltycharges.co.uk. there are a few who have successfully claimed against n&p. several didn't need to get as far as filing in court. I claimed on bhalf of son and girlfriend. I phoned the banking operations manager after 1st response to 14 day lba. he said he would, as a gogw, refund 50% but would want the accounts closed. I said don't bother with that letter I'll just do the court thing. a couple of days later received a letter offering full 100% but still wanted the accounts closed. I then got girlfriend to phone him and he said they could keep the accounts open. he is quite a nice guy to talk to and fairly reasonable. so after the letter offering 50% plus account closure, which is normal for n&p try giving him a ring.

Hi have you checked the threads on the penaltycharges site. some of those who have received same/similar letter threatening account closure have phoned their banking operations manager. He has agreed not to close accounts of at least one of those claiming. worth a go.