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    • it is NOT A FINE.....this is an extremely important point to understand no-one bar a magistrate in a magistrates criminal court can ever fine anyone for anything. Private Parking Tickets (speculative invoices) are NOT a criminal matter, merely a speculative contractual Civil matter hence they can only try a speculative monetary claim via the civil county court system (which is no more a legal powers matter than what any member of Joe Public can do). Until/unless they do raise a county court claim a CCJ and win, there are not ANY enforcement powers they can undertake other than using a DCA, whom are legally powerless and are not BAILIFFS. Penalty Charge Notices issued by local authorities etc were decriminalised years ago - meaning they no longer can progress a claim to the magistrates court to enforce, but go directly to legal enforcement via a real BAILIFF themselves. 10'000 of people waste £m's paying private parking companies because they think they are FINES...and the media do not help either. the more people read the above the less income this shark industry get. where your post said fine it now says charge .............. please fill out the Q&A ASAP. dx  
    • Well done on reading the other threads. If ECP haven't got the guts to do court then there is no reason to pay them. From other threads there is a 35-minute free stay after which you need to pay, with the signs hidden where no-one will read them.  Which probably explains why ECP threaten this & threaten that, but in the end daren't do court. As for your employer - well you can out yourself as the driver to ECP so the hamster bedding will arrive at yours.  Get your employer to do that using the e-mail address under Appeals and Transfer Of Liability.  
    • good you are getting there. Lloyds/TSb...i certainly would not be risking possible off-setting going on if a choice were there, but in all honestly thats obv too late now..., however..you might not never be in that situation so dont worry too much. regardless to being defaulted or not, if any debt that is not paid/used in 6yrs it becomes statute barred. you need to understand a couple of things like 'default' and 'default notice' a default is simply a recorded D in the calendar section/history of a debt, it does not really mean anything. might slightly hit your rating. the important thing here is a default notice , these are issued by the original creditor (OC) under the consumer credit act, it gives you 14 days to settle whatever they are asking, if you don't then they have the option to register a defaulted date on your credit file. that can make getting other credit more difficult. and hits your rating. once that happens, not matter what you do after that, paying it or not or not paid off or not, the whole account vanishes from your credit file on the DN's 6th b'day. though that might not necessarily mean the debt is not still owed - thats down to the SB date above. an OC very rarely does court and only the OWNER of a debt can instigate any court action (Attempted a CCJ) DCA's debt collection agencies - DCA's are NOT BAILIFFS they have ZERO legal powers on ANY debt - no matter what it's TYPE. an OC make pass a debt to a dca as their client to try and spoof people into paying through legal ignorance of the above statement. an OC may SELL on an old debt to a DCA/debt buyer (approx 10p=£1) and then claim their losses through tax write off and their business insurance, wiping their hands of the debt. the DCA then becomes the debt OWNER. since the late 70's dca's pull all kinds of 'stunts' through threat-o-grams to spoof a debtor into paying them the full value of the debt, when they bought if for a discounted sum (typically 10p=£1). you never pay a dca a penny! if read carefully, NONE of their letters nor those of any other 'trading names' they spoof themselves under making it seem it's going up some kind of legitimate legal 'chain' say WILL anything....just carefully worded letters with all kinds of threats of what could/might/poss happen with other such words as instruct forward pass... well my dog does not sit when instructed too...so... DCA's SOMETIMES will issue a court claim, but in all honesty its simply a speculative claim hoping mugs wet themselves and cough up...oh im going to court... BIG DEAL DCA - show me the enforceable paperwork signed by me...9/10 they dont have it and if your defence is conducted properly, most run away from you . however before they do all that they now have to send a letter of claim, cause the courts got fed up with them issuing +750'000PA speculative claims and jamming up the legal system. so bottom line is two conclusions.... if you cant pay a debt, get a DN issued ASAP (stop paying it!) make sure it gets registered on your file then it stops hurting your file/future credit in 6yrs regardless to what happens (bar of course a later DCA CCJ - fat chance mind!)  once you've a registered DN , then look into restarting payments if the debt is still owed by the OC, if SOLD to a DCA, don't pay - see if they issue a letter of claim (then comeback here!).        
    • Any update here?  I ask as we have someone new being hassled for parking at this site.
    • Any update here?  I ask as we have someone new being hassled for parking at this site.
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Chezzie vs RBS


Chezzie
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Hi,

 

HELP!! I'm new to this so please excuse my ignorance if I am asking stupid questions. I, like everyone else here have been charged criminal amounts by RBS over the years and I want my money back!

 

I have almost all of my statements for the last 6 years apart for the first 6 months of 2001. I was originally just going to claim from Jan 2002 and forget 2001 but having read some of the comments here I am thinking I should get the statements from the bank before completing my calculations, would you agree?

 

Can I also ask if anyone can clarify a couple of other things:

 

Presumably you can only re-claim overdraft interest that was charged while you were still within your agreed overdraft limit?

 

Can you only reclaim charges made for rejected direct debits if the charge was more than the actual direct debit itself?

 

On some of my statements I have a monthly fee which is obviously just for the pleasure of me keeping my money in their bank + overdraft interest. But I also have a maintenance charge of £28.00 + a returned direct debit charge of £38.00 on top. Can I reclaim the maintenance charge and the direct debit charge?

 

Again, apologies if I am asking too many stupid questions but want to be absolutely sure of what I am doing before I go in guns blazing!!

 

Many thanks in anticipation of any help I can get.

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Guest BlueRuby
I have almost all of my statements for the last 6 years apart for the first 6 months of 2001. I was originally just going to claim from Jan 2002 and forget 2001 but having read some of the comments here I am thinking I should get the statements from the bank before completing my calculations, would you agree?

 

Yes, I think you should get all your statements back to when the account was opened!

Presumably you can only re-claim overdraft interest that was charged while you were still within your agreed overdraft limit?

 

I'm not sure what you mean by this but I would do the spreadsheet and claim the overdraft interest. The spreadsheet will do it for you!

 

Can you only reclaim charges made for rejected direct debits if the charge was more than the actual direct debit itself?

 

No, no, no, you are way too nice! Just reclaim the charges - they are all unlawful!

 

On some of my statements I have a monthly fee which is obviously just for the pleasure of me keeping my money in their bank + overdraft interest. But I also have a maintenance charge of £28.00 + a returned direct debit charge of £38.00 on top. Can I reclaim the maintenance charge and the direct debit charge?

 

If you have a Royalties account you cannot claim back the fee for that. But you certainly can claim back the maintenance charge and returned DD charge!

 

Keep us posted and good luck, not that you'll need it. If you need any more help just ask :) :)

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good answers ;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thanks for your help guys.

I only need 6 months worth of statements as I've got all the rest so can I just change the letter provided in the library but change it a wee bit to request the dates I am missing or would I be just as well getting the whole 6 years worth? (actually, ignore that question, it's the same cost no matter how many years I'm asking for isnt it)

 

No doubt I'll be back soon asking more daft questions!!

 

Chezzie

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Thanks for your help guys.

I only need 6 months worth of statements as I've got all the rest so can I just change the letter provided in the library but change it a wee bit to request the dates I am missing or would I be just as well getting the whole 6 years worth? (actually, ignore that question, it's the same cost no matter how many years I'm asking for isnt it)

 

No doubt I'll be back soon asking more daft questions!!

 

Chezzie

 

Not relly daft questions.........but the answers are here either in the Faqs or within other posters threads !!

 

;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 2 months later...

Help ma boab!

 

Sent initial letter requesting £3013.88 taken from my account in charges over the last 6 years be refunded to me.

 

Have returned from hols to find a letter (obviously same letter as some of you guys have received) from bank stating the same stuff "we do not accept the OFT's findings blah, blah, blah so you aint getting no money!"

 

I was a bit hesitant to proceed but having read some of the other threads from people who had received the same letter I'm trying to pluck up the courage to keep going (although concerned about court costs), any words of encouragement?

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You want words of encouragement?????

 

THEY HAVE GOT YOUR MONEY. And the law says you are entitled to it back.

 

end of.

 

 

 

GERRINTAE THEM!

 

j

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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Straight to the point

but absolutely spot on !!:D

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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