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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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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
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Hi Spikey, welcome to the forum. It sounds from your question like you're new here? - please read up as much as you can as soon as possible and some of your questions will probably be answered straight away. If you've already done that, please post back and I'll try to point you in the right direction for specifics about charges.

 

BTW are you claiming from RBOS or BOS? It makes a difference to how your claim progresses.

 

Cheers and best of luck with your claim.

:lol: Sweetrevenge :lol:

Don't get mad - get even!

If I've helped you please hit my scales 'n' bump my rep!

 

RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12

WON at LBA with compound contractual interest £607

 

RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, £1,278, £4,279 and £7,250(!) all with contractual interest.

 

 

This is now very out of date!!!!

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If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Ok as posted above spend the time waiting for the statements reading the FAQS and step by step instructions this will give you a sound knowledge of what to do. The link below is a list of all charges for RBS. http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/57649-rbs-list-all-charges.html

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Hi

Thanks for your reply, I am new new here, ivé been a member for a couple of months but I have only just got the statements from the bank, I am claiming from RBOS, how does it differ from claiming from BOS?

 

Regards

 

Spikey

 

 

 

Hi Spikey, welcome to the forum. It sounds from your question like you're new here? - please read up as much as you can as soon as possible and some of your questions will probably be answered straight away. If you've already done that, please post back and I'll try to point you in the right direction for specifics about charges.

 

BTW are you claiming from RBOS or BOS? It makes a difference to how your claim progresses.

 

Cheers and best of luck with your claim.

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Hi,

 

Doubt it would differ atall.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Me personally, like to respond to RBS queries because I made claims with RBS, I would guess a lot peeps do that?

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Thanks for responding to my message, I am a bit unsure which charges I can claim for, on alot of my bank statements I see charges, marked CHG, for amounts of 15, 20 and 24 pounds, these were whilst I was overdrawn and were taken on top of the interest charges. there are also some for a referral charge, i'm not sure what that is but one is for 60 pounds. Am I right in thinking I can claim for all charges apart from the interest charges? also what about the times when I have gone over my overdraft limit, is the bank allowed to charge me for this above the normal interest charges?

 

Thanks

 

Mikey

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This should help, I wrote this a while ago...........

 

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/42749-bit-help-you-rbos.html

 

There's also a sticky that has been posted by Livelylad that lists all the charges and the amounts over the last few years, have a look at that too.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Hi

 

I have a royalties gold account, are these a bad idea when it comes to bank charges? I noticed a couple of negative comments about them, does that mean I cannot claim the charges for having a royalties gold account even if they are excessive?

 

btw, I can't find the sticky that was posted by Livelylad listing the bank charges, where can I find it?

 

Regards

 

Spikey

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Livelylad's post is here

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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As for your question on royalties, I'm not sure I follow you?

 

The only thing you can't claim from a royalties account are the actual royalties charges (the 10 pound a month) because you agree to pay that charge. The charges you can claim are the penalty ones - overdraft fees, unpaid dds etc etc. My accounts were royalties accounts and I reclaimed around 3 grand.

 

With all due respect, you seem to be confused with the whole process and I would advise you NOT to rush into this. Read through the first link I posted (the user guide), read through the FAQs, read through other people's posts so you can get an idea of how the process works.

 

A good place to start would be my two claims linked in my signature. I've given detailed accounts of my claim including all letters I sent and received.

 

It is important to ensure you know what you are doing before you start the process. People won't respond to simple questions that you can find out for yourself by simply reading through the FAQs.

  • Confused 1

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Hi

sorry I wasn't very clear about the royalties account question, I noticed in the spreadsheet that you posted a link to that they overcharged you for the royalties account monthly charge, they appeared to have done this to me too, I noticed they have taken 20 pounds a month instead of 10 from my account, I am presuming this is the royalties account charge as there are no deductions for 10 pounds.

 

Spikey

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Hi

I have read through the FAQ and am now ready to make a preliminary approach to my bank, the only thing is I am not sure which spreadsheet I need to use from the library, there are quite a few of these and it is not very clear which to use, I would be grateful if someone could clarify this for me.

 

Kind Regards

 

Spikey

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Mike,

 

They haven't overcharged me....RBS merge lots of their charges together at the end of the month. The link I posted re charges explains how to break this down.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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  • 2 weeks later...

Hi again, I am currently filling in the spreadsheet specifying the charges, I am using the one from Mindzai, one question tho, when filling in the interest charges and the interest period date, for example:

'INT TO 23SEP A/C' do fill in the balance of my account on the 23rd september or the balance on the date the amount is taken from my account?

 

Kind Regards

 

Spikey

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its for the period charged not the date it was charged on, so the 23rd...

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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  • 4 weeks later...

Hello again, it's taken some time but I think I am finally ready and feeling confident enough to send a preliminary approach letter. I filled in the information from my statements into the compound sheet v1.9 and if that is correct they owe me around 760 quid. When I send the letter do I send a print out of the compound sheet? if so which parts do I need to send is it just the notes page and the charges & interest page? Also another question, on the notes page, at the top where you fill in the interest rate and apr rate, which do I need to fill in? these don't actually make any difference to the calculations from the spreadsheet do they?

 

Regards

 

Spikey ;):confused::rolleyes:8-):)

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  • 2 weeks later...

please help, finances definitely aren't my strong point :confused::confused::confused:

 

I thought I had this all worked out, I have filled in the spreadsheet using the charges and interest amounts from my statements but now I have checked it i'm not sure if I have done it right, I have read alot on here but there is just so much information it's not always easy to follow. I have an interest paying current account with the RBS and so I have filled in the chg amounts and int amounts from my statements, the chg amounts range from 15 to 38 quid. when I look on the advice of service charge statements it says these are a maintenance charge, am I right to fill in the whole amount on the spreadsheet or can I not claim the whole amount back? the amounts aren't broken down on the advice sheets, it just shows the whole charge amount. Also on the spreadsheet I know when i'm filling in the interest charges I put the date the interest was charged to, eg if it says int to 25 mar, I fill in the 25 march and put my balance on the 25 march, but when filling in the chg amounts do I also put the chg to date or the date it was taken from my account? the notes on the spreadsheets are somewhat conflicting.

 

Spikey :|:(:confused:

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Spikey, have a read of the link in my signature, it should answer your RBS related questions.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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  • 1 month later...

Hello again, I sent a preliminary approach letter on the 15th march to the RBS Edinburgh office stating in the letter that I would give them 21 days to respond, I changed it from the 14 days in the template letter because I am writing from the Netherlands but I still haven't heard anything. I sent the letter recorded delivery. Would it be an idea to phone them before I proceed with the next stage?

 

Spikey :evil:

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No, just continue as normal.

 

Be aware tho that you will have problems filing a court claim as you need to be here in the UK!

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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What exactly is the problem with me filing a court case, is it the fact that I would need to be living in the UK or that I would need an address there? if it is the latter then it's not a problem as I do have an address in the UK. Anyway i'm going to proceed with the LBA

 

Thanks

 

Spikey

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Well the address helps to some extent but you may required to turn up in court!!

 

Do continue, wasn't implying you shouldn't, just making you aware.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Ah ok :) I thought there might have been some legal stipulation that you needed to be living in the UK to make a claim. I come over to the UK fairly regularly so it wouldn't really be a problem. I just hope it doesn't have to go to court although I am prepared to take it that far ;)

 

Spikey

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