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    • Peter McCormack says "ambition is big" and Real Bedford's attendances are increasing with promotions.View the full article
    • How does one obtain the permit? The permit team number is only open between the hours of 9am to 3pm Mon - Fri. It says on the website, To obtain an additional 2 hours, the driver must pay a tariff of £3.00 + booking fees in person at our Security Hut, is that how you get the permit also, from the security hut? What a rigmaroll that would be but maybe just another step to take to try and catch people out?
    • Anotheruser0000 bear in mind that not all Judges are equally versed in the PoFA regulations. Fortunately now most of them are but sometimes a Judge from a higher Court sits in who is well experienced  in Law but not PoFA. and so they sometimes go "offkey" because their knowledge can raise a different set of arguments and solutions. It does seem particularly unfair  when the decision is so  bad . it can also be that in some situations the motorist being a lay person is not sufficiently know ledgeable to be able to counter a Judge's decisions in a way that a barrister could.
    • The argument about the date of receipt is now dead because the PCN  does not comply with the wording  of the Protection of Freedoms Act 2012 Schedule 4.  First reason Section 9 [2] [e]  "state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper—(i)to pay the unpaid parking charges;" Second Reason Section 9 [2][a] "specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;" All your PCN does is mark the time you entered and left the car park. It does not include all the myriad things you do in between-driving into the car park, looking for a parking space-perhaps a disabled space or  parent and Child place@ getting the children or disabled person out of the car then going shopping. Coming back; loading the car with shopping [, getting the children or disabled into the car, taking the trolley back to the store; driving to the exit perhaps stopping to let vehicles/pedestrians cross in front of you etc. so subtracting the driving times from before and after parking can make quite a difference from their time to the actual period parking time. So the upshot is now that only the driver is responsible for paying the PCN and the keeper is not liable at all even if the name of the driver is never known by Nexus so well done for not appealing. You obviously want to keep it that way to make it very difficult for them to win in Court if it ever goes that far. Although your question is now moot since  the same objective has been achieved by the non compliant PCN [ie no keeper liability] just  about the only way to dispute the timing of the PCN would be if one kept the envelope and there was a discernible date stamp on it that did not match the date on the PCN. There is a new Act coming out [and it cannot come quickly enough ] and one of the things required is that parking companies will have to prove the date of sending out their PCNs. We are not the only ones who sometimes doubt the veracity of their dates particularly as the later it is sent [unlawfully] the shorter the period motorists have to benefit [?] from the reduced payment. I haven't seen it on your posts but do you know how long you are permitted to park for free?
    • I was so annoyed and frustrated about the fact this case was lost it's been floating around my head all night. Dave962, are you sure that's what the Judge said? .... It doesn't make sense. Did the judge in fact dismiss the case on the grounds that the defendant did not make an appeal within 28 days? Effectively telling the PPC about the error entering the registration number and providing proof of payment at that time? To me, that's an important point.  
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Credit card application


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I've recently discovered my local branch have applied for a credit card for me without my authorisation - i was turned down but is there anything i can do about this fraudulent practise?

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Not that I am disputing what you are saying but it's always a good place to start.....evidence!! How can you prove this??

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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I went in to the local branch to pay a cheque in, i was given a cc application form which is still un filled in in my kitchen. A week later i recieved a letter from the cc company saying ' thank you for you application, blah blah blah, unfortunatley you've been turned down.. etc..

So i rang the cc compnay who told me to ring the bank. I did, i eexplained i hadn't applied and they said someone in the bank must have done it and they would investgate who's computer had been used and who was logged in... i'm a bit peeved now as it's on my credit file and i don;t know what to do or if i could sue the bank for data protection?

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Wow! Unbelievable!

 

Well there is certainly plenty you can do I'm sure although I'll leave you in the hands of mr gizmo 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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Well, first point of call would be the branch again. Give them a chance to try a sort the situation out. If they can't, won't or don't give you a satisfactory response the they will "stalemate" your complaint. It then moves to the next stage which is then making an official complaint (the numbers and address for the CRU unit are stickied on the Contacts section in this thread - it's the same place all the charges comlaints go to)

 

The search can be removed from your credit file but it is RBS who need to instruct Experian and the other agencies to do it. They won't have a problem doing this if they accept they were in the wrong. The fact that somebody did this without you knowing is another matter - it would be your call how you want to deal with that side of the complaint.

 

gizmo111 - I think somebody would do this to help them in their credit card sales targets unfortunately. From what I know about RBS branches, through working there in the past and knowing people working there now, it's more about sales than service. RBS aren't alone though, most banks are the same.

superward vs First Direct - WON!!!

superward vs RBS - WON!!!

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Well I will offer my two pence worth even though I said I didn't really know.

 

Firstly, when did you make your complaint originally (specific date)? This is relevant for escalating your complaint if they don't respond.

 

I would as superward says continue your complaint with the branch stating what conditions you require in order to resolve your complaint. They will be a) the footprint (footprint is the entry that says they made a search on your file) is removed from your credit file b) the account entry is removed from your credit file c) an explanation is provided as to why this happened and what has been done about it d) some form of compensation is provided (optional and I'm not entirely sure if you are entitled to this but guess it's worth throwing in even if they say no).

 

I would also state that you intend to escalate this to FOS (I think the FOS would be the appropriate place although I would appreciate it if someone could give me their opinion) if they do not resolve this matter promptly.

 

Whatever you do from now on, do it in writing. If everything has been done on the phone previous, reference to it in your letters. IE, following on from our conversation on [the date of your first complaint].

 

Basically, RBS have 8 weeks in which to resolve your complaint before you can escalate this to the FOS. I would however, be looking at what other damage you can do (if you want to). The FSA for starters, maybe the press? There are lots of options available to you, this is really out of order and RBS should get a spanking for it.

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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Good :D

 

 

I think the press is always the best place for maximum damage.

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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Update: Having spoke to a solicitor and the police i have been told to push ahead with legal proceedings in this matter as it is classed as fraud in the eyes of the law. I have given the bank ample oppotunity to reply to me and resolve the matter but as they have not a feel obliged to take the matter further.

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