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    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other!
    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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NW SAR Request Advice please ?


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I am about to send an SAR off to Nat West. I want to request the details of two current accounts ( one they have closed) and one currently still open. Both accounts either still have loans associated to them and / or have done in the past. I am absolutely certain that at some point in the past few years we have paid PPI on at least one of these loans. There have also been horrendous bank charges on both accounts of which I am planning to make a stab at reclaiming under the Hardship Criteria ( longshot these days from what Ive read but I am going to give it a try ).

 

My question is when sending in the SAR should I do a seperate one for each account enc £10 with each or should I send just one letter asking for the info on both accounts / loans etc.

 

Thanks in advance for your help .

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Hi yes in my experience they will expect two

seperate requests send in seperate envelopes

as well.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Is that correct, Brig. I understood that it was £10.00 for ALL information regarding your financial history with the bank/institution ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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It does seem to vary between

financial institutions if a client

has more than on account,

as far as I know there is no

guidance on this it seems to be

pot luck if have as a last resort

to do a SAR I phone the organisation

compliance department for clarification,

even the there are hiccups and different

answers.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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A thought this may be occurring as

habit as most requests are on a specific single account.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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How can I find out what is held about me?

 

If you want to know if a person or organisation holds information about you and what information they hold, you will need to write to that person or organisation and make a subject access request. You should ask for a copy of all the information they hold about you. If you are not sure who to write to in an organisation, address your letter to the company secretary.

 

 

The above paragraph from the ICO website mentions ALL information

 

 

Source is here...

 

http://www.ico.gov.uk/for_the_public/personal_information/how_manage/access_info.aspx

 

Regards

 

ims

 

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PG

 

Natwest have a habit of delaying compliance for a variety of reasons....... if any of the accounts you hold with them are joint and several, I'd be inclined to include their details at the footer of your request authorising data release.

 

Unless things have changed recently you'll get the usual response that you may receive data from a variety of departments within the 40 days. I doubt you'll get much [if anything] within the 40 days tbh, oh and don't get sidetracked into corresponding with or chasing individual departments, stick to the Bishopsgate address for any chasers.

 

Gez

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Sorry me again, who do I make the cheque out to for the SAR, National Westminster Bank, RBS ??

 

This is going to sound obvious but

 

If you are sending a SAR for a Nat West account...make it out to National Westminster Bank

 

If you are sending a SAR for an RBS account make it out to Royal Bank of Scotland

 

Personally I would use a postal order and write on the back of it that the payment is ONLY to be used for the Subject Access Request and not for any other purpose.

 

ims

 

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Ok thanks !! Maybe it was a silly question, I thought that NatWest were owned by Royal Bank of Scotland, so I wasnt sure. :???:

 

Hi

 

No probs....Nat West still retain their identity and trading style even though they are part of RBS group.

 

ims

 

:-D

 

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Thanks Gez, Do you happen to know the address for Bishopsgate , I have come up with a few different ones, 16 , 21 for example ?

 

Hi PG

 

I always go with the ICO register........... saves any arguments about delays at a later date.

 

Gez

 

icologo2.gif

Data Protection Register - Entry Details

 

 

 

 

 

 

 

 

Registration Number: Z4936258

Date Registered: 06 October 2000 Registration Expires: 05 October 2012

 

Data Controller: NATIONAL WESTMINSTER BANK PLC

 

Address:

 

135 BISHOPSGATE

LONDON

EC2M 3UR

Other Names:

 

STREAMLINE

NATWEST

STREAMLINE INTERNATIONAL

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They have 40 days from receipt to comply.. so check your tracking number on the RM site in a couple of days. Plus.. if you have sent the fee by way of a postal order, you can check when that is cashed by telephoning

 

01246 542091

 

You will need the PO receipt you were given when you purchased the postal order.. they will want the ID number in order to check.

 

I would wait until about 30 days have gone by before checking to see if the PO has been cashed :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Both myself and Partner have submitted SAR to Nat west regarding our current accounts .

 

My partner has received confirmation of his request but I have heard nothing yet but as there is a complication regarding a ppi with RBS being uphed on a past loan I had, it could possibly be the answer?

 

Yesterday my partner had rather an odd letter from Nat West regular payments team at Chatham claiming his request for direct debits be cancelled for two transactions can not be actioned until he contacts them by phone.

The mystery is that why should he ring especially as both these accounts were closed years !! ago and are no longer relevant and the fact is that we have no dealings with Nat West now that they foreclosed on these accounts eighteen months ago and we now bank elsewhere .

 

Nat West is so incompetent and I am not surprised they are one of the top banks with high level of complaints

 

I am not confident that the request for SAR will be dealt with in a straightforward manner by them but I will plod on regardless.

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Nat West is so incompetent and I am not surprised they are one of the top banks with high level of complaints

 

I am not confident that the request for SARlink3.gif will be dealt with in a straightforward manner by them but I will plod on regardless.

 

 

 

If they dont comply within the 40 calendar days then you can OH can add to the level of complaints :lol:

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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