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    • Northmonk forget what I said about your Notice to Hirer being the best I have seen . Though it  still may be  it is not good enough to comply with PoFA. Before looking at the NTH, we can look at the original Notice to Keeper. That is not compliant. First the period of parking as sated on their PCN is not actually the period of parking but a misstatement  since it is only the arrival and departure times of your vehicle. The parking period  is exactly that -ie the time youwere actually parked in a parking spot.  If you have to drive around to find a place to park the act of driving means that you couldn't have been parked at the same time. Likewise when you left the parking place and drove to the exit that could not be describes as parking either. So the first fail is  failing to specify the parking period. Section9 [2][a] In S9[2][f] the Act states  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN fails to mention the words in parentheses despite Section 9 [2]starting by saying "The notice must—..." As the Notice to Keeper fails to comply with the Act,  it follows that the Notice to Hirer cannot be pursued as they couldn't get the NTH compliant. Even if the the NTH was adjudged  as not  being affected by the non compliance of the NTK, the Notice to Hirer is itself not compliant with the Act. Once again the PCN fails to get the parking period correct. That alone is enough to have the claim dismissed as the PCN fails to comply with PoFA. Second S14 [5] states " (5)The notice to Hirer must— (a)inform the hirer that by virtue of this paragraph any unpaid parking charges (being parking charges specified in the notice to keeper) may be recovered from the hirer; ON their NTH , NPE claim "The driver of the above vehicle is liable ........" when the driver is not liable at all, only the hirer is liable. The driver and the hirer may be different people, but with a NTH, only the hirer is liable so to demand the driver pay the charge  fails to comply with PoFA and so the NPE claim must fail. I seem to remember that you have confirmed you received a copy of the original PCN sent to  the Hire company plus copies of the contract you have with the Hire company and the agreement that you are responsible for breaches of the Law etc. If not then you can add those fails too.
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    • I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
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    • We have finally managed to obtain the transcript of this case.

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janeyb v Lloyds - MASSIVE SETTLEMENT !!


Janeyb
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Ok First of all a brilliant site!!!

 

We Sent our DPA letter off requesting details for 2 accounts, 40 days to the day our statements arrive from Lloyds TSB. After calculating them all up over 6 years it came to double what we have originally calculated!!! A whopping £7512.00.

 

On the 21st April 2006 we emailed and sent in the post our Preliminary letter.

On the 26th April 2006 in the morning we recieved a nice friendly email saying our request had been passed to the Complaints Manager.

In the afternoon we recieved an email from DAVID JUST (it seems everyone has heard from him do you think this name is made UP!!!) saying we have conducted our account in a manner that has kept sending us overdrawn and therefore are charged as stated in the T&C' when we opened our account and no we cannot have them back!!!

Thats right a very standard computer generated letter the very one we requested not to recieve!!!

So Today the 26th I have emailed and posted our letter before action and tomorrow go to the court for an N1 form.

 

Is anyone else claiming a large amount?????

Is anyone else getting standard generated letters

HAS ANYONE HAD ANY SUCCESS AT ALL WITH LLOYDS BLOODY TSB!!!!!!!!

 

jANEY XXXX

ps wILL KEEP YOU POSTED IF ANYONES INTERESTED!!!

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YES - they have had success.....

 

See some HERE in the Litigation section. The trouble is, sometimes, that people get rightly excited by their refunds and forget to update our records, so I'm sure there are many more.

 

There are pros and cons to the large amount, as I'm sure you have read here, but others have had larger sums refunded.

 

Keep us posted. You're right on track!

 

John

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Picked up my N1 Form at the county court and explained to the clerk what I needed it for to query costs for filing.

Whilst she explained to me the costs she also introduced me to a local solicitor by the name of Norman Jones who although is old school is completely for justice and hates wrong doings of any kind.

He told me that he has just written a coloumn for our local newspaper about bank and credit companies charging extortionate fees and has quoted the OFT's new ruling in his writings to warn others about being able to claim back charges.

 

I mentioned this website and all the support and stories from others posted here. he was extremely interested and is going to view it himself and mention it in his coloumn next week!!!!!!

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Well done janeyb - good work

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Ok the bank are very quick to answer emails and have now resorted to saying that they still stand on their refusal to refund charges and if I wish to complain further I should write my complaints to the Financial ombudsmen.

 

So my question if anyone can answer me is ...

 

a) Do I now refer my request for refund to the Financial ombudsmen (even though my request is to my bank)...is there a standard letter on this site for that?

b) Write my complaint to the F.O but still carry on filing my N1 Form and carry on to court

c) write to my bank telling them the refusal is not acceptable neither should I write to the F.O as my complaint and request is with Lloyds?

or lastly

d) anyone else's suggestion??????

 

 

PLEASE HELP SOMEBODY!!!!!

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You don't need to worry about this response, and you don't need to write to anyone else...

 

Just proceed to the next stage of your claim for refund.

 

They will eventually get the message that you are NOT going away!

 

You are doing fine, honest :D

  • Confused 1

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Thanks for that advice.

 

My next stage is to file the N1 Form which will cost me £250, although I am waiting until the 14 days are up just in case a miracle happens and the bank change their mind!!!

I have informed them again that I will be doing this after the 14 days unless I hear from them with a full refund.

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At least you are not likely to be without the extra £250 for too long, once that happens.

 

Good luck

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Hi Janeyb,

 

My claim is for £5700 plus any other charges for April 2000 to June 2002 and cumulative effects. Waiting for DPA reply due by 4 June 2006 so I can arrive at a final figure.

 

Presumably you are planning to put it into Fast Track with a solicitor if you don't get a positive reply in time?

 

Also jonni2bad has been a big help to me - you've got excellent support in him and so many others on this site.

 

Best Wishes,

Bean

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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Hi Bean

 

Thanks for support. I am waiting until the 14 days are up before filing my N1 form at court however I have had an email from Lloyds TSB stating that they still stand on their original refusal to refund our charges and that is their final correspondence on the matter!!!!!

 

next week I file the N1 form.....just got to find £250 to do so!!

 

As for a Fast Track solicitor...no I haven't approached that yet not to sure how to go about it either at this moment.

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Anyone any thoughts / advice on a solicitor for Fast Track?

 

Bean

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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  • 2 weeks later...

Ok so here goes filled out the N1 Form but sopped when it come to the 8% apr interest. I went through the spreadsheet to help calculate this and entered every individual amount and the date etc it was charged my claim for £7511 has increased to £16522 with the interest that was calculated.........????? is this right or have I totally misunderstood the spreadsheet.......please help??

 

Janey

 

P.s should i write another letter to my bank stating I am now filing at court or just leave them with the prem letter and LBA?

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.. my claim for £7511 has increased to £16522 with the interest that was calculated.........????? is this right or have I totally misunderstood the spreadsheet.......please help??

 

Janey

 

P.s should i write another letter to my bank stating I am now filing at court or just leave them with the prem letter and LBA?

 

1. It doesn't sound right. Try the online calc, and if no better let me know by PM.

 

2. No need to write a new letter.

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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ok worked out better this time round, god knows what I did.

 

Anyhow I registered with your buddy system and someone has been in contact so we're helping each other out as much as poss..........just goes to show what a great support network your site is so.........

 

 

....... A GREAT BIG THANK YOU VERY MUCH!!!!!!!

 

jANEY

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Sounds like you have it all under control Janeyb, well done,

 

Best Wishes,

Bean

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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  • 2 weeks later...

EXCELLENT NEWS!!!!

 

After filing our N1 form for bank charges of £7511 we also added on our form in relation to the charges we were forced to take out a £10K loan to pay off some of our debts which had been defaulted as the bank cancelled our DD's due to bank charges. lUCKILY WE HAD ALL LETTERS AND STATEMENTS TO BACK THIS UP!!1

lloyds TSB did not file a defence!!!

Lloyds TSB have today credited our account by informing us with a phone call!!!!

a WHOPPING !!!!!!! £17,511.48

 

hURRAY FOR THE LITTLE PEOPLE!!!!

 

a BIG THANK YOU TO ALL THOSE PEOPLE WITH WORDS OF SUPPORT ADVICE AND COMMENTS IF i CAN DO THE SAME IN RETURN JUST LET ME KNOW!!

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They paid the £10,000 on top of your claim???

 

Wow that is amazing!!!!

 

Don't forget to donate!!!

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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CONGRATULATIONS

This is great news and a really amazing result, well done.

 

Would you please fill out our survey - HERE - when you get chance

 

(and don't forget we can only survive if we get donations!! cough cough)

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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I bet you're looking forward to the weekend now !!!

 

Going out, by chance?

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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****ing heck!!!!! Well done - that is fantastic. If that doesn't persuade my OH to take on LTSB I don't know what will.

 

Way to go Janey! WOOHOO!

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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I have sent you a private message asking for some information. I have you don't mind. There are things to learn from this.

 

I suggest that you do not withdraw any claim until you have your money. I am sorry to say that I have had reports of delays particularly by Lloyds and that in at least one occasion they have had to be reminded of the approaching deadline for entering a default judgment.

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Let's hope the celebrations aren't premature. :|

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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Lloyds TSB have today credited our account by informing us with a phone call!!!!

a WHOPPING !!!!!!! £17,511.48!!

 

That is truly incredible - both the amount and the lack of contest.

 

When BF refers to lessons we can learn - my brain is seriously starting to think punitive damages relating to besmirchment of character, requirement to re-schedule financial arrangements, costs on a far wider scale. If LloydsTSB actually paid that £10K as it sounds that really is incredible.

 

BF if you can actually give us an accurate precis on the events that took place and potential implications at some point that would be very helpful?

 

Congrats sounds like the understatement of the year!

"BA Group. The World's favourite CA Group"

 

HSBC 2 claims amalgamated. £1195. settled in full prior to filing claim.

BARCLAYS settled in full 2 days prior to submission of defence by Barclays

CAP ONE settled in full on day 14 of LBA (£210)

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