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    • I have received a PCN from Euro Car Parks for MFG - Esso Cobham - Gravesend. I was completely unaware that there was any such limit for parking and always considered this to be a service station. I stopped there to use the toilet, have a coffee and made a couple of work calls. I have read the previous topics on this location which suggest I can ignore this and ECP will not take legal action. The one possible complication is that the vehicle is leased by my employer so I do not want to involve them with the associated reminders and threatening letters. The PCN was first issued to the leasing company Arval who have notified ECP of the hiring company. I have attached a copy of the PCN Notice to Hirer with details removed as per instructions. What options do I have or should I just pay the PCN promptly at the reduced rate of £60? img20240424_23142631.pdf
    • What you have uploaded is a letter with daft empty threats from third-party paper tigers.  Just ignore it. What we need to see is the original invoice you received last October or November.
    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
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ianhduncan vs BOS


ianhduncan
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Hi

I'm a new member and I've been looking through this site for the last few days, trying to take it all in.

 

First of all I live in Scotland.

Since I opened my BOS account in 1998 I have retained all my statements. (I always told my wife they might come in handy)

I've composed a spreadsheet of my last five years charges.

The charges are listed into 2 main types.

1. Excess O/D Charge,

2. Charges to & Interest to

 

charges 2 always appear together in the statement.

 

I therfore do not require to obtain a list of charges to my bank, so I should now be ready to write a Preliminary approach letter.

 

In the template in the section 'What I require' .

The first value, is this all Excess O/D charges + Charges to ?

And the second value, all Interest to amounts ?

 

I know I've more questions, but the answer to these would help get me started.

 

many thanks

Ian

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Not Ian Duncan the piper by any chance?

 

I'm no expert, feeling my way through all this myself, but my understanding is that the first amount is as you describe. The second one is only the interest that has been charged because the charge made you overdrawn - so if you were charged, say, £100, and this made you overdrawn by £200 for two weeks, your interest claim is for interest on £100 for two weeks. Yes, it's rather complicated to work out ;)

 

Cheers,

Calum

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Hi Calum

Unfortunetly I'm not a piper, I couldn't even hold a tune in a bucket !

Thanks for the info, I've now calculated the charges and interest. I've now sent the PA letter via recorded delivery.

 

i'll keep this post updated with my progress.

cheers

Ian

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  • 2 weeks later...

The BOS received my letter on the 15th Sept (posted 11th Sept) and sent me a letter about them investigating and could take up to 4 weeks.

I've now got my LBA letter ready to be posted.

Should this not be posted until 29th Sept (14 days after they've replied to my PA letter ?)

Any info appreciated

Ian

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I have done the same thing. I just got my investigation letter and little booklet on how to complain today. I will give them 14 days from today and then send the next letter. I think your about 4 days ahead of me. Good Luck ! Firey

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  • 4 weeks later...

Right, just back from holiday, received another fob off letter from the bank.

Time for court. I'm going to do it using a Summary Clause as the cost is about £1100, this will save having to do multiple claims.

Any major differences between using Small claims and Summary Clause (Remember I'm in Scotland)?

thanks

Ian

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apart from potentially exposing yourself the the bank's legal costs - nothing really.

 

99.9%chance this wont happen as

a) the judge is highly unlikely to award costs to a bank at the expense of an individual and

b) It wont get to court anyway!

 

in other words......"Fill yer boots!"

 

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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you can get them here:

Summary Cause Forms

 

I believe you only need forms 1 and 1b

 

 

also, have a read through scotias thread at

 

http://www.consumeractiongroup.co.uk/forum/scotland/6165-scottish-procedure.html

 

 

This shoud give you everything you need.

 

j

  • Confused 1

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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