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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!
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    • 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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NATWEST and DATA PROTECTION ACT COMPLIANCE - READ THIS


BankFodder
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I understand that the NatWest are routinely refusing to suppy more than 6 years of personal data in response to Data Protection Act disclosure requests.

 

I understand that they are tell at least some people that they do not hold personal data going beck further than 6 years.

 

There is some evidence to suggest that this is not correct and complaints are about to be made to the Information Commissioner.

 

If you have been refused disclosure going back more than 6 years you should consider witing to the Information Commissioner about it.

 

Watch this space as we expect to have more news about this in January.

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Bankfodder, I am 100% that NatWest data does go further back than 6 years so if that is what they are saying then it is a lie- and I do not use that word likely. Branches have something called the NatWest Archive a notes system from the old NatWest Bank plc days. It was effectively frozen in time on October 2nd 2002. The old system recorded a note automatically when a DD/cheque/SO was returned or whether it was paid even if it took it over the limit. It contains Marketing notes, complaints and a lot more else besides. All this info is not new info to the forum as I posted it months ago. These notes would go back to 1991.

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I successfully requested statements going back further than six years apparantly they are available from the date of "migration" as quoted from manager .Here is the number I rang 0845 711 4477

 

GOOD LUCK

 

Tumble

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Migration is October 5th 2002, Loristar where are you when we need some statement info on length of time NW can order statements?

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  • 3 weeks later...

Hi Guys

 

I still havent received my charges info. What is the number, or preferably email address of the person who will send them out. I am keen to get started on my claim, but till I have the info, I can't. Want to give Natwest a kick up the backside.

:mad: Fight against Cr*pwest:-o
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Hi

I'm having the same problem, after numerous 'phonecalls to them to chase up my statements, they still haven't arrived! The 40 days is up today, does anyone have the template to send them regarding further action? Any help gratefully received.

Lisa

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It is so annoying. I went into my bank today to see if I could get statements any other way. I was told it would be £5 a statement and i was looking at £300!!!!!!! Just told me to sit tight and wait for them, but it seems they are breaking the 40 day rule quite often.

:mad: Fight against Cr*pwest:-o
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Guest peed orf

I waited approx 50 days for mine! Phone the nice lady [Joyce Tudor] and she'll sort it for you!

After the 40 days, you'll get them nicely jiffy bagged and special delivery!

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For a Subject Access Request it is the Goggarburn Address, if you just want statements then the local branch can order them for the princely sum of £5(if they say more then tell them that there charges leaflet says per request).

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Hi

 

I have had a look at the charges part of the website, and it says £5 for duplicate records. Would a request for all statements going back to 2002 be regarded as one lot of records, and therefore only £5. I have tried and was told £300 :eek: in total, ie £5 per statement!!!! Can you just phone the bank and request this info, or do you have to go in to a branch. Can they refuse. :???:

 

Lots of questions, greatful for any help.

 

Thanks. x

:mad: Fight against Cr*pwest:-o
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Devil- that is nonsense what you were told. Copy statements are £5 per request. So if you wanted back to 2002(I assume that is when the account was opened) then £5. You can phone the branch, walk to a branch send a letter to the branch, your choice but copy statements are £5

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hello I'm posting to say my friend has been with Natwest for 17 years and she hasn't recieved 1 statement in all that time!

and they are charging her like £50 a day, as she is in arrears. just can't believe she never recieved 1 statement when she went into the bank they gave her a basic print out for that month

she need's the whole time so we can calculate charges and proceed with claims.

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When we moved house, Nat West claimed the reason why we hadn't had bank statements for several months was because we didn't tell them about the change of address. Funny how their marketing department did get the address change as we were still sent credit card and load promotions!

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Marketing companies also send out credit card promotions independently of the bank. It is still the case that an address can be changed for a bank account and the credit card address be different.

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this will sound harsh but has she only just now decided to query where here statement has been for the last 17 years?

 

Hi ya well I found out that because she got into overdraft she cut up the card and assumed she would recieve statements.

I have advised her that prints of statements will cost £5 only In the long run it will be worth it as her bank needs to be sorted.

It hadn't occured to her she has been having alot of problems facing up to the debt that has been mostly caused by her ex Boyfriend they have a joint loan and she has only just found out one of the other loans HFC hasn't been paid at all and he hasn't been paying her CSA money I am desperately trying to get her sorted so she can move on with her life, Which will mean going to small claims court for a number of reasons and will be a long battle but worth it, we seem to be hitting a brick wall at every turn as she is unsure of the total amount of debts outstanding total she can't give an exact figure and no one will help. I have been swotting up on the 70% wipe for debt and how to go court for charges, already got her to type a letter to creditors to offer token payments but even paying £5 a month she still finds it hard to live also having a 2 year old baby Isn't easy.

thank you for listening sorry I went off topic It is all information though and if anyone can help in anyway we really appreciate it alot!

from clarissa_D

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clarissa- we can all help on here and you need to start a thread on the relvant bank thread for example clarissa Vs Natwest and we will all help your friend get the lot back

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why not send the bank a SAR she would get all her statements for the last 6 years for £10

My Claims:

 

Isle of Man Bank -

WON £3054.79 (settled at court stage)

 

BarclayCard -

Claiming £701.89 Part 3 letter sent

 

Capital One -

WON £1500 (settled at court stage)

 

CitiCards -

Claiming £1549.41 (at court stage)

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why not send the bank a S.A.R - (Subject Access Request) she would get all her statements for the last 6 years for £10

she needs every statement for the last 17 years we need to see how much money they have charged her in total, and £10 i thought it was £5?

thank you for your help

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A SAR allows you to get information from the Bank without having to pay the £5 pre statement.

The £10 is what you pay for all the statements it would give you everything they have in there system for you even it you get only six years worth that would have saved you £360.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

My Claims:

 

Isle of Man Bank -

WON £3054.79 (settled at court stage)

 

BarclayCard -

Claiming £701.89 Part 3 letter sent

 

Capital One -

WON £1500 (settled at court stage)

 

CitiCards -

Claiming £1549.41 (at court stage)

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John- you are getting confused with charge for statements £5 per request not statement and £10 SAR which means the bank have to provide all info that it holds on you, as an individual, in a relevant filing system

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this is from the ICO – Information Commissioner's Office web site

The Data Protection Act covers computer records and some manual records. Most computer records can easily be found about a particular person and should be disclosed removing any third party information. Manual records need to be in a relevant filing system. The files which form part of the relevant filing system are structured or referenced in such a way that information about the applicant can be easily located. Where manual files fall within the definition of a relevant filing system, the content will either be sub-divided, which allows the searcher to go straight to the correct category and retrieve the information requested without a manual search, or will be indexed to allow the searcher to go directly to a relevant page(s).

For example, a set of legal files containing files divided into sections for legal aid, pleadings, orders, correspondence by year, instructions to counsel, counsel's advice, will not be a relevant filing system because the divisions/referencing do not assist a searcher in retrieving the required personal information without the need to leaf through the file contents.

 

therefore if they have got it then they have to give it to you

if not complain to the ICO

My Claims:

 

Isle of Man Bank -

WON £3054.79 (settled at court stage)

 

BarclayCard -

Claiming £701.89 Part 3 letter sent

 

Capital One -

WON £1500 (settled at court stage)

 

CitiCards -

Claiming £1549.41 (at court stage)

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That way you will attract more attention to your story and get more visitors and more help 

 

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