consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-
Come and chat with us here (NB: External site NOT affiliated with CAG)

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Consumer Action Group
> Parking / Traffic Offences

Parking / Traffic Offences A forum to discuss the legalities or unlawfulness of parking/speeding tickets or congestions charges etc.


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 12th October 2007, 16:43   #1 (permalink)
lookinforinfo
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 2,706
lookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritative
Default Wording of PCNs

I have read a number of threads stating that for a PCN to be a
valid one it must include
"the penalty charge must be paid before the end of 28 days beginning with the date of service of this notice".
Does that mean from the date of the PCN, or the date when the PCN arrives
at ones address?
lookinforinfo is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 12th October 2007, 17:09   #2 (permalink)
patdavies
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2006
Posts: 3,087
patdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informative
Default Re: Wording of PCNs

Quote:
Originally Posted by lookinforinfo View Post
I have read a number of threads stating that for a PCN to be a
valid one it must include
"the penalty charge must be paid before the end of 28 days beginning with the date of service of this notice".
Does that mean from the date of the PCN, or the date when the PCN arrives
at ones address?
Neither - although it may be the same as the day that it arrives.

If it is posted then service is deemed to have taken place 2 days later for first class post and 5 days later for second class post.
patdavies is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 12th October 2007, 21:51   #3 (permalink)
bmwman
Classic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jan 2007
Posts: 239
bmwman Novitiate
Default Re: Wording of PCNs

Hi

Can you post the front and back of the PCN after depersonnalizing it will then be able to give you more advice.

Sign upto someome like ImageShack® - Hosting
bmwman is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 13th October 2007, 08:38   #4 (permalink)
lookinforinfo
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 2,706
lookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritative
Default Re: Wording of PCNs

Quote:
Originally Posted by patdavies View Post
Neither - although it may be the same as the day that it arrives.

If it is posted then service is deemed to have taken place 2 days later for first class post and 5 days later for second class post.
Interesting. I understood that PCNs had to be sent 1st class or they were
invalid-has the law changed?
lookinforinfo is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 13th October 2007, 11:30   #5 (permalink)
patdavies
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2006
Posts: 3,087
patdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informative
Default Re: Wording of PCNs

Quote:
Originally Posted by lookinforinfo View Post
Interesting. I understood that PCNs had to be sent 1st class or they were
invalid-has the law changed?
My response was based on the law, as it stands, regarding service of documents (Interpretation Act 1978 ).

It does not relate to PCN's in particular. However, I can find nothing in the London Local Authorities Act 2003 that requires use of first class post.

PCNs issued under the Road Traffic Act 1991 (as amended) may not be served by post
patdavies is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 13th October 2007, 14:20   #6 (permalink)
lookinforinfo
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 2,706
lookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritative
Default Re: Wording of PCNs

Thanks for that Pat. Though I am sure I have seen on one of the motoring
forums that if the PCNs were delivered by 2nd class mail that they were
unenforceable.

On a separate issue, is it sufficient to give the reason for the ticket ie "parking or loading/unloading in a restricted street where waiting and loading/unloading restrictions are in force-camera enforcement in " or does the actual section number of the contravention have to be included.
lookinforinfo is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 13th October 2007, 16:06   #7 (permalink)
patdavies
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2006
Posts: 3,087
patdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informative
Default Re: Wording of PCNs

Quote:
Originally Posted by lookinforinfo View Post
Thanks for that Pat. Though I am sure I have seen on one of the motoring
forums that if the PCNs were delivered by 2nd class mail that they were
unenforceable.

On a separate issue, is it sufficient to give the reason for the ticket ie "parking or loading/unloading in a restricted street where waiting and loading/unloading restrictions are in force-camera enforcement in " or does the actual section number of the contravention have to be included.
Perhaps you are being confused by NIPs (Notice of Intended Prosecution). The first of these (to the registered keeper) must be first class post and normally within 14 days of the alleged offence.

As to you second question the answer is yes, it is sufficient. The law requires that the PCN should state the reason.

Quote:
A penalty charge notice under this section must— (a) state—
(i) the grounds on which the council or, as the case may be, Transport for London believe that the penalty charge is payable with respect to the vehicle;
There is no additional requirement for any code
patdavies is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 13th October 2007, 23:36   #8 (permalink)
tomtubby
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: May 2007
Posts: 1,353
tomtubby Informativetomtubby Informativetomtubby Informative
Default Re: Wording of PCNs

In the Ealing Code of Practice for the Operation of Bus Lame CCTV Camera it states that:

"All PCN’s are to be issued in time to reach the owner within 14 days of the contravention. The PCN ‘is deemed to be served’ when posted using first class post".

I believe that the legal framework for this is contained in the London Local Authorities Act 1996 and the RTA 1991
tomtubby is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th October 2007, 02:28   #9 (permalink)
patdavies
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2006
Posts: 3,087
patdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informative
Default Re: Wording of PCNs

No, the legal framework for service by post is the Interpretation Act 1978.
patdavies is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th October 2007, 16:23   #10 (permalink)
lookinforinfo
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 2,706
lookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritative
Default Re: Wording of PCNs

I knew that there was something that didn't match up -and I couldn't quite put my finger on it.
Two different people -one with a PCN the other with a notice to owner-but both from Lambeth Parking within a month of one another.

The PCN [for failing to comply with a sign indicating a prohibited turn] the
Penalty Charge is worded
Amount of penalty charge Payable £xxx
"The Penalty Charge must be paid before the end of the period of 28 days
beginning with the date of the notice[the 28 day notice]"
It goes on to say that a reduced charge is payable if the penalty charge is paid before the end of the period of 14 days beginning with the date of this notice [the 28 day period]


On the Notice to Owner for parking with a wheel on the footpath the wording is different.
Penalty Charge Amount £xxx
Amount paid £00.00 Payment due now £xxx
"Before the end of the period of 28 days beginning with the date this Notice was served [the 28 day notice].

They appear to conflict. Do they or is it different since one is a parking
contravention and the other is a moving traffic contravention.
lookinforinfo is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th October 2007, 18:53   #11 (permalink)
patdavies
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2006
Posts: 3,087
patdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informative
Default Re: Wording of PCNs

Quote:
Originally Posted by lookinforinfo View Post
They appear to conflict. Do they or is it different since one is a parking
contravention and the other is a moving traffic contravention.
It is not the actual contravention, but the Act under which each is issued.

The first would be a PCN issued under the Road Traffic Act 1991; the second is under the London Local Authorities and Transport for London Act 2003
patdavies is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th October 2007, 19:17   #12 (permalink)
lookinforinfo
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 2,706
lookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritative
Default Re: Wording of PCNs

Thanks for that Pat. Are you saying therefore that both are correct in their wording?
lookinforinfo is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th October 2007, 19:34   #13 (permalink)
patdavies
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2006
Posts: 3,087
patdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informative
Default Re: Wording of PCNs

Quote:
Originally Posted by lookinforinfo View Post
Thanks for that Pat. Are you saying therefore that both are correct in their wording?
Yes. In both cases the PCN must state "...date of notice"

The NtO must state "(c) that the penalty charge must be paid before the end of the period of 28 days beginning with the date on which the notice to owner is served;"
patdavies is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th October 2007, 22:22   #14 (permalink)
lookinforinfo
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 2,706
lookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritativelookinforinfo Authoritative
Default Re: Wording of PCNs

And yet the PCN is worded "28 days beginning with the date of the notice"-and that is correct too?
lookinforinfo is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th October 2007, 22:53   #15 (permalink)
Goldlady
Platinum Account Customer
 
Goldlady's Avatar
Default Re: Wording of PCNs

Butting in , excuse me. My OH has a PCN for obstructing an empty trolley bay for all of two minutes while he dashed to the external cashpoint at a large local shopping centre. No yellow lines and no-one wanted to put their trolley there at the time. Nice photo of car sent back when we wrote to dispute it. Is it worth fighting or shall we pay them the £20 for the nice photo of the car?
Goldlady is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 15th October 2007, 09:45   #16 (permalink)
patdavies
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2006
Posts: 3,087
patdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informative
Default Re: Wording of PCNs

Quote:
Originally Posted by lookinforinfo View Post
And yet the PCN is worded "28 days beginning with the date of the notice"-and that is correct too?
Yes. It is only the NtO and NoR, etc. that use the date of service phrasing.
patdavies is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 15th October 2007, 09:47   #17 (permalink)
patdavies
Platinu